Sign of Hard Times

My wife is now convinced that we are in economic hard times.

While she has seen the financial disaster unfolding via the nightly news, the front page of the daily paper, and the Yahoo! headlines, for her the true sign came tonight.

There was an ad on prime time television for K-Mart that featured the fact that they offer lay-away plans for Christmas purchases.

If you're under a certain age, you probably have no idea what that is. Click on the link there to learn.

For my wife, the fact that a major retailer is pushing a plan that predates easy credit is more chilling than any financial institution failure.

Hard times are upon us.