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Most consumer sentiment polls now contact us that American consumers are more pessimistic with respect to economy today than any kind of time other level of the past decade. Imagine if it were consumers are wrong? We cannot expect to inherit retirement savings from my parents; increasingly we probably have to help our parents in their retirement set about are living longer and long term health care costs are rising drastically. To make matters worse, most US Corporationsare slashing their pension plans, forcing US citizens to be ent