How did we get in this financial mess? It’s complicated, but anyone with common sense would know that you can’t buy insurance to go to Las Vegas to guarantee you’ll win- but that’s exactly what we’ve been letting the wizards on Wall Street to do- with disastrous results.

We need to put Glass-Stegall back on the books. And it’s time to redefine what the word “investing” means. 70% of stock trade volume is 11 seconds or less today- that’s not investing – that’s playing games with the numbers- and those numbers included your pension funds, your 401K, and your mortgage. That’s not good for you or this country.

It’s time to force ownership and responsibility back into the market. You don’t do naked short sales, you have to put up or shut up. Speculate on fantasy football- not on our economy.