Three years after US taxpayers bailed Bank of America out by giving them part of the $700 billion bailout, they repaid Congress by slapping their customers in the face with a $5 a month fee for using a debit card. Bank of America may have sparked its "Netflix movement."

I have a will. I tell anyone who comes in my door to get one. No matter how old or young, rich or poor, I tell them they need a document that will specify what happens with their assets when they die.

The phrase "double-dip recession" means little to most of us. To people on Main Street, it hasn't been been a "dip". We took a drop to the bottom two years ago and stayed there.