3. Spend government money in the future only on things that will create wealth and provide a 20% return on the expenditure / assets. Most good companies would consider a 20% return very conservative on their investments. There is no reason our country can’t get that level of returns.

4. Realize that (A) good health, (B) good education and (C) adequate housing are always worthwhile wealth producers. The government should spend whatever is needed in those three areas.

5. Pass laws that will prohibit mortgage banks from selling off the loans they provide for mortgages. That will insure that the lenders want the loans to succeed and be paid off. It will make sure that the lenders have skin in the game. That should stabilize the future housing markets by removing the temptation to "bundle" mortgages into strange financial instruments. The lenders will have to learn to live on the interest from their loans. That should not be difficult -- it was always the way things were done in the past.

6. Change the Federal Reserve to “manager / bankers” who will follow rules set down by Congress. Take away the money creating powers which were “farmed out” to the FED in 1913.

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