Thanks for the upbeat news.

I am still nervous.

I still see people in homes they are trying to keep, where they are upside down.

None of the financial bailouts helped them. Either their incomes were too low (just hanging on by their fingertips, getting paid sporadically), or their incomes were too high (but half of what it used to be) to qualify for any reduced interest rates or loan modifications.

Believe it or not, there are still people who are stubbornly trying not to go into default.

They don't show up in the stats (enemployment or defaults), because they've taken lesser work just to try to keep minimum payments up. Or they're off the grid because they've been unemployed for so long they can no longer collect benefits. Or they have taken dramatic pay cuts on their present jobs, simply in order to keep their jobs.

But they're paying their bills.

These are my heroes!

Thanks to you and your team for being here!

Eva

Your TaxMama