isn't it perilous for hartford to be up so much? with its commercial real estate-backed paper? considering the plummeting of office, mall and apartment real estate ventures? some of the worst banks, the ones that are most leveraged with bad commercial properties, all up more than 5%. can that be right? how about host hotels and starward, two pieces of roadkill that are now ramping? i mean, do people even take vacations anymore? who has the money to take these trips? aren't we all staying in youth hostels? isn't at the height of absurdity for retailers to rally so hard, given that the consumer's supposed to be on life support? and back-to-school season has been all but officially

canceled? are all these moves just downright insane? have we gone nuts and ventured blindly to the land of 1,000 bull dances? has the market gotten too bullish for us? a question we always have to ask ourselves. the answer? call me the great equivocator. i say yes and no. yes, this whole rally is nuts if things get worse. but no, it's totally reasonable and right if things get better. and today, i believe we got a powerful all-clear signal that things are in fact getting better. a piece of data that's truly definitive and respected, and it's been acted upon time immemorial. i'm talking about that labor department jobs report, that truly actually, yes, all-important jobs report. i know the media likes to report that every, single piece of information is all-important. every one of these is treated by

press as sacrosanct. i mean, they need to have a big story every day or it's too boring. i know, i used to be in the media. the super-duper oil inventories, if that's how the press likes to report it, but the truth is not all pieces of data are created equal. to paraphrase that late great stock picker george orwell. none of these things means a hoot compared to an unemployment number, especially one as positive as we got today. while i've heard over and over how phony and rigged and jimmy d.'s figures are, yesterday these figures are or at least were with the last president, you have to figure the press loves obama so much, they'll conclude he's putting out conservative number. i wouldn't be surprised if the love affair with reporters will start telling obama to say let's underpromise and overdeliver.

like he's the ceo of a tech company. like he even has a chance to look at the number. come on. but the important thing is today's glorious unemployment report shows the continuation of the trend that's pushed this market higher and higher. this is what i've been talking about. things are going from less bad to actually getting better. this rally is about getting better. i trust it. you should, too. now, i've repeatedly told you that all bets are off if unemployment keeps skyrocketing. but the reverse of that is also true. jobs control this market. when you read through the earnings reports that have come out, the bias has been to leave tables of employment alone. the whole panoply of reports i've gone through, people don't want to cut anymore. the oil companies, they want to bring people back. i think the hard job cuts have already been made. i believe companies are trying to get their arms around whether they cut maybe too many jobs.

from citigroup to cisco, to ford. these managers are saying, wait a second. we don't need to cut any more jobs. let's wait and see. that's exactly what i think we're seeing right now, a cessation of firing until the smoke clears. we know that the june/july period of sustained order growth -- that's from cisco's ceo john chambers, not jim cramer, is the real. it's the reason why none of the rallies we're seeing is necessarily phony. i think they're the real deal. these moves are not to be distrusted out of hand. not after important end that says we're transitioning from less bad to actually better. it stands to reason these companies should begin to build again, with the idea that prices are going to appreciate. now, i disagree if that's their thesis.

but they claim to know their business, the hotels, we will travel again. we'll be able to pay off the mortgages that we thought we couldn't. we'll lock in the low advertising rates, we'll be able to model toward 10% employment, not 12%. back-to-school season will be on. and kids will likely get new clothes and shoes. who knows? maybe even spring for pencils and three-ring binders. a lot of good things can happen when the one thing that every company keys on comes through. a lot of goods can come when a company declares cease-fire on no more firing. big profits for the government. t.a.r.p. will produce big profits. especially if -- knock on wood -- health care reform gets emasculated. the bottom line, we can't suddenly downplay the importance, the jobs number, the plays in this economy. not when we worship it. not when it's painting a much rosier picture than expected. the moves we're seeing, they're rational.

well, they're rational now that the less bad to getting better thesis has been confirmed. no, it's not jimmy cliff. it's bob marley. "i shot the sheriff." but i should have shot the short sellers. you got the picture. let's go to brian in california. brian? >> caller: boo-yah from sunny southern california. >> what's up? >> caller: i want to ask you about true religion of peril. i want to ask you about trlg. >> unbelievable numbers. unbelievable numbers. just a second. >> caller: they beat on eps, revenue and gross margins, and still trading. what's your take? >> i think the fact they can charge $400 -- i go into the true religion in short hills mall where i live. and it's like for some holiday or birthday. i forgot what it is.

i give my kids a $200 true religion gift certificate. my daughter opens it up and says, dad. that's one pant leg, $400 jeans. but, yeah, the high-end jeans are selling like mad. it reminds me of how great whole foods are doing. how great urban outfitters are doing. in other words, true religion will go higher, not lower. the shorts are all over this thing. they will be wrong. one thing is great hospitality at true religion. they treat you like a king. let's go to matthew in massachusetts. sorry about last night. matthew? >> caller: hey, jim. i have a -- it's always sunny and bright in massachusetts, boo-yah. >> i'm going to give you a smoltz boo-yah. >> caller: boo, smoltz. you make a good case for the stock. what about the pros reverse stock split? >> there's a lot of talk about it. i want to urge them not to do it. here's why. first of all, there's no reason to do it if your stock is coming back as hard and as fast as citigroup. second thing, once this thing

gets to five, what's the point of splitting it? most of the companies i do with reverse splits, it's like a muhammad ali. you can run but you cannot hide. if i knew vikram pandit or any of these guys, i would be in their faces saying please don't do reverse stock split. you don't need to. wee don't we go to michael in my home state of new jersey. michael? >> caller: cramer? >> michael. >> caller: a tgif screaming boo-yah to you. >> 142 off the garden state boo-yah. what's up? >> caller: i'm concerned about the lawsuit of scrips. >> that's nonsense. plaintiffs file lawsuits like they're leaves blowing in the window. i don't want you to worry about that. leaves in the window. that stock is at 16. we'll get that guy, glen tull, jethro tull, jethro glen tull, see if his 's on the "aqualung." i think mdrx is a winner. i would not sell that stock.

dow up 114. the less bad is getting better. that's the right thesis. "i shot the sheriff" i should have shot the short sellers.

on wednesday, after the

bell, one of my absolutely favorite techs on semiconductor, that's onnn, reported a thing of beauty in the second quarter and raised guidance, to boot. i think it's one of most speculative plays out this. it's been propelled by the mobile internet tsunami that i refuse to shut up about, and the $40 billion chinese wireless stimulus, as it gets 40% of its sales from china. and those communist know how to stimulate demand more in an anybody. even on the 30% run since i first recommended it on may 7th. they actually made these so they're custom. so, now, i won't throw them. all right. i'll throw one. wow, that's bad.

it's a commodity to proprietary story. if you can find one of these in any sector, especially in tech, you probably have a big winner. this is a company that's transitioning from making basic components, a commodity business that stinks, because -- well, let's say anyone can come in and compete with a nearly identical product, to creating a competitive market. to making a more proprietary commission. so, some others can come in and make a cheaper product. semiis closing down some of is manufacturing facilities, because they're expensive, less necessary, especially when you have a pro pry tear design. and they're making more money after a hugely important metric for all these semis. now, the company delivered 9 cents of earnings per share. that beat the street, which was

looking for seven. onnn semihas a back lag. that's gigantic. 11% for the previous quarter, on semi also has a stronger backlog that covers 90% of its rises for next quarter. that's up from 80% three months ago. this company has visibility. investors love of visibility. the street will pay more for a company's earnings when it can see them coming. that's another reason i like onnn semi. after they had reported a terrific first quarter, which the stock was trading at $86.22, keith jackson, ceo, came on the show and was very positive. based on the interview i said the stock was still a buy. up 20%. once again i want to hear from this bankable ceo. that's one of the highest compliments i can give, to say a

ceo is bankable. and i want to see if the stock did go higher. mr. jackson, welcome back to "mad money." >> thank you. great to be here. >> all right. keith, there's a couple things that really intrigued me about this quarter. one of them was -- we had an unemployment data piece today which was pretty positive. you say on page 15 of your comp score -- and i always encourage our viewers to read that -- that perhaps your company got too lean. are you to the point where you're going to be hiring? >> yeah, i think one of the things we always prepare for is, whichever direction the market is moving, you need to be anticipating. certainly, as we entered january period, things were not looking very well. so, we took some aggressive actions. and that's shown up. as we look forward to the second half, however, it's clear we're expanding as a rate quicker than anticipated. so, we're hiring some direct laborers back as we speak. >> could that be related to the cash for clunkers? >> not yet, however it would be

in q-3/q-4 timeframe. it is related to what you mentioned earlier, china with their stimulus, but also places like germany and other places like that that already did their cash for clunkers earlier in the year. that's translating to additional consumer demand and more demand on our products. >> amazing turn from january. now, you talk about -- i want to talk about the internet mobile tsunami. you have oem customers, lg, motorola and samsung. tell our viewers what you do for those companies. >> we make products for all of their consumer electronics. especially guys like samsung and lg, that not only just have the mobile communications, but the application appliances and also the consumer alliances. all of which are being connected. people sometimes ask, where do they go? basically it's doing things like driving the lighting, the displays, driving the audio, things you can hear. driving the batteries, controlling them for additional life. so, anything that has to do with power in the system is where we fit.

>> so, i'm playing rock band. and what -- well, one of the systems that you provide the chips. if i had to say, okay, that's what onnn semi does for my kids, what would it be? >> it provides again the visual they see, the video. we drive those displays, and it provides the audio. we provide the power to the amplifiers. and do a lot of the processing for the signals that go into both of those things. in the joystick controllers we have sensors and drivers that can predict the movement and translates into that electronic signals that makes the game work. >> okay, you really are the brains behind those games. that's very cool. now you talk about on page 8 of your transcript that had utilization rates at 60% for the second quarter. and you're thinking it could close in on 70%. i presume, like intel, when you get up there and start having higher utilization rates, every incremental percent does flow through the bottom line? >> it does.

we're expecting something like 70% fall-through from the revenues increased in q-3 to follow through to operating profits. >> do you think we're at a time -- are we -- i'm just going to say it. i think it's a golden age for the mobile internet. i think -- i have been on a mission to explain to people this could be as big as e-mail was. could be as big as the net was in the beginning. could be as big as when we first had the personal computer. this is a great opportunity to tell me i'm completely nuts. >> no, in fact, there is. there's so many different ways to get at that connectivity, whether it's through your gaming approach, your commuting approach, all of these different sectors are converging, which means they're trying to go after the same market. multiple opportunities not just one like you've had in the past with the e-mail. >> are you taking big share from other companies? because there's got to be at least -- i know when you go from

commodity to proprietary, you must be able to offer something that nobody has. >> yes. we are gaining share in several marketplaces. we've been pretty vocal about the computing games we've had. those continue. they started in the desktops. and now, in the notebooks and netbooks. but also automotive is a good story for us, as well. >> when you talk about what you're doing. you have the computing market, which is 70%. when you think of the computing end market, what am i getting in my pc that i've got that is you? >> basically everything. power for the graphic cards, power for the display, for the cpu, the power supply for the whole company -- for the whole computer, i should say. so, everything in there basically touching something from onnn. >> they've been to go it's not just a regular semi, mixed signal. tell people what mixed signal is? >> we do digital processing. i think that's pretty popular

how signals are processed. but we also have the analog. when you mix the two, you get mixed signal. the analog is good for driving signals, like audio and video. the digital is good for controlling the information going around. >> excellent. keith jackson, congratulations on a fabulous quarter and for making our viewers money. appreciate it. >> thank you. >> guys this is at the heart of it. i know seep press semi is at the heart of it. there's many pieces to this internet tsunami puzzle. and onnn semihas many of the pieces. i want you to stick with on semi, and keith jackson and the personalized disk that he made for me. all week we've been

traveling around the globe, creating the brand-new cramerican foreign legion of high yielders to protect your portfolio from the one thing -- remember all these things we did? from the one thing that -- well, to protect your portfolio from the united states. whether you think this country is going in the right direction or not, you have to acknowledge that the truth is we're not in control of the course we're taking the way we used to be. not with massive deficits, not with the debased currency. or card check, which would put a jackboot right on the neck of the economy. don't take my word for it.

the other day, cramer fave, stephen colbert, had a of santa claus come on the set, in karl marx, confiscate colbert's watch. >> look, it's karl marx in a red suit. >> socialism, ho, ho, ho. >> he's allowed to say that. i'm not allowed to say it. so, i won't. i would have addressed emmitt goldman to more accurately reflect the -- inside the beltway as the ppd. we don't know what will happen in congress. but we do know in order to try to play it safe, you need some international exposure, some stocks that trade on foreign markets but also trade here as adrs. well that's because, as the dollar goes down, the stocks are mostly immune to the weakness.

and they pay hefty yields. so far i've got -- let me go over the names. i've got sig and cpl. the two brazilian utilities. i've got the trp, which is the canadian pipeline. stat oil, the norwegian mad vikings of oil producer/adrian peterson. and yesterday, i have ako, a coke bottler and beverage distributor in chile, argentina and brazil. i think you should keep about 20% of your portfolio in foreign stock with juicy yields. it doesn't have to be these stocks. just make sure you have international diversification. this is more like legioniere disease. what if you have a foreign dividend payer, something you can still catch the currency gains from a weaker dollar and you still have exposure to a

more stable foreign market, but one that gives you exposure to america. that's iesibfi. the canadian garbage company, with ibmible, b.i.n. they've gotten me some really big -- this is why they call it the loony. no matter where you are, garbage is a stable business. the last season of "the sopranos" has some great insight. i've recommended other garbage stalks in the past. none of them trashy. because we have a limitless capacity to create waste in this country. and somebody has to get raid of it. waste management, wmi, which you know we like. republic services, rsg, those are great companies. i want you to consider b.i.n., a

canadian way, the takeover of the units by the great white north. it's the second biggest waste company in cad are canada. 34 transfer stations, 22 landfills, 20 recycling facilities. it has its roots in canada. but a few years ago, it decided to enter the u.s. and now gets 32% of its revenue from canada, that's all. the majority comes from the u.s., though the canadian business is more profitable, because they've been doing business there longer. it is question is why buy b.i.n. over a great company like waste management? maybe the garbage collection version of william shatner? waste management has the higher yield as b.i.n., which is expected to pay out 50 cents a share in dividends. yields only 3.7. but that's still pretty good. the answer is b.i.n. seems to have more room to improve. that should mean more room to increase earnings. the two big drivers are internalization and consolidation. for garbage companies, the internalization rate is the

percentage of waste they collect that gets disposed at their own landfills. b.i.n.'s internal inflation rate is just 52%. that's low. the average guy is 65%. so, they're looking to fill the gap by acquiring waste-holding company, a move that should give the company's margins and cash flow a boost. b.i.n. has a cleaner balance sheet than its peers. its dividend is marathon man safe. and yes, olivier would back me up on that, since the company's free cash flow per share is -- they could boost this payout big. here's the bottom line, garbage is as good as gold when it comes to protecting your portfolio. a garbage collector produces so much cash, it might as well be an atm. which is why i like b.i.n., the last member of the cramerica of foreign legioneers.

pert your portfolio in the dumpster, just don't swill that juice. tony in california. tony? >> caller: boo-yah. >> familial boo-yah. how are you? great to have you. >> caller: i called before about republic services. and they were having a bit of trouble. now that their earnings are bit better, what do you think? >> i like republic services. i think it's fine, but of the three, i like b.i.n. and waste management much more. republic services is good. i would love to see them merge with b.i.n. but we have a new antitrust department, no longer in the commerce department. so, it's entirely possible that deal wouldn't get done. i like all three, but republic is my least favorite. let's go to rob in california. >> caller: hey, "mad money" boo-boo-boo-yah, where i'm looking at the pacific ocean right now? >> are you really? just make me feel awful. i'm looking at a toxic waste pit. what's up? >> caller: jim, i'm afraid the federal government has taken a

bad lesson from california. with all the wealth, income tax and revenue stream, we have out here, we can't balance the budget. florida, nevada, other states like that don't even have income tax. i'm afraid we're going to end up with a weaker dollar or inflation. and in keeping with the foreign legion week, i'd like your opinion of yamana gold. >> i think they've lost their way. i'm not kidding. i think they've had a series of mishaps. i used to like the company. but then, i deserted it for agniko eagle. i like agniko eagle more. i like el dorado more. and you might as well buy the elg, too. we had t.j. rogers from cypress, saying the same thing you just did about california. can i go to dan in maine, please? dan?

>> caller: cramer, a by chitown voice from houghton, maine. >> i like it. what's up? >> caller: first, i am up here in real bear country. but i'm all bull. if would you rip the head off one of those bears for me, i would consider it a personal favor. go ahead, stld. with this cash for clunkers going into extra innings, there will be a glut of scrap on the market. is that good or bad for their bottom line? >> my mother always said don't talk with your mouth full. just a second. all right. scld. if you want to play the steel game for that, play aks. not one of my favorites, i was discussing it with my friend, stephanie, i said, no. not high quality.

so, i say no to it. hey, you can play alcoa. that actually would work better. b.i.n. is the foreign legion trash stock that could be a treasure. don't forget about the other legioneers. stay with cramer. next, try to keep up with cramer, as he takes your calls rapid-fire. with the mr. clean

magic eraser. it is time. it is time for "the lightning

round" on cramer's "mad money." where everything is tired or kicking back, i just ramp it all up. it's rapid-fire calls, one after another. you stay the name of the stock, and i say whether to buy or sell. i don't know the stock questions ahead of my time. my staff prepares the graphics on the fly. they work even harder on monday's show. are you ready? no. not yet. let's say that's the lightning round. are you ready, skee-daddy? it is time for the lightning round. why don't we start with john in california. john? >> caller: cramer, a usc trojan spot on boo-yah. >> what's up? >> caller: my stock is rating on rdn. >> no, come on, man, that's a short squeeze. don't play it. don't get into that game. that's a pure short squeeze. don't you dare. let me throw in abk and pmi while i am at it. let me go to louis in new york. louis? >> caller: a big football boo-yah, jim.

we're getting ready for the crimson. i smell red, jim. but i smell green with targa resources. ngls, what do you think? >> was that something about josh beckett? no, okay. look, i think we just had michael in from l.i.n.e. i say no to yours. i say l.i.n.e. we've already done the homework. let's stick with it. let's go to michael in maryland. michael? >> caller: jim. >> michael. >> caller: happy dow jones industrial average friday boo-yah to you from annapolis. >> i'm loving that. go, navy! >> caller: my question is about water transportation, general maritime. i know you like nordic american. >> a lot of people didn't like that quarter. i liked it. they reported the dividend. they give you what they want. they still have no debt. i have to side with that over general maritime. i'm sorry. how about steve in texas? steve? >> caller: yes! >> steve.

>> caller: big old texas howdy boo-yah to you. i like that. michael crabtree boo-yah. >> caller: what's your take on lp, el paso? >> i saw that quarter come out. i've got to recommend. that one is going up big. that stock is headed up and headed up higher. you played the game right. let's go to mike in indiana. mike? >> caller: big hoosier boo-yah, skee-daddy. >> how much fun did we have to when we went to see the hoosiers? although, that brannan ripped my armani suit. what's on your mind? >> caller: pbct. >> i like it. they have a balance sheet that is a man of steel. that balance sheet is the best of any regional bank i know. once sheila bair deciding to stop trying to kill citigroup. and decides it's not working and the banks are paying too much on cds.

she's be transfer, memo to sheila, i actually no what i'm talking about. i love her, a lot. i mean, i love her. let's go to charles in umass. charles? >> caller: draper utah boo-yah to you. >> i don't have a boo-yah there. >> caller: what do you think about comcast? >> it was a good quarter, i didn't think it was a bad quarter. did it have the growth i wanted? no. i would, but i prefer verizon, just because of the yield. there's room for everybody. but i like verizon's yield. nate in louisiana, nate. >> caller: hey, cramer, this is nate from shreveport, giving you an lsu baseball world series boo-yah. >> holy cow, shreveport. i've been trying to get the show at lsu. tigers, bengals, everything. hey, marcus is going to start this year. >> caller: that's right. >> yeah. he's starting. he's starting. what's up? >> caller: i want to know about oxy, occidental petroleum. >> i like oxy.

it's a very well-run company. i think it has a place for your portfolio. i would sanction owning it. no, no. i'm going down to hector in florida right now. hector? >> caller: boo-yah, skee-daddy. >> what's up? >> caller: h.a.l.? halliburton. >> i couldn't believe how well that stock acted after a quarter i didn't really care for? but you know what? i think oil is going higher. i think natural gas is going higher. that's good news for h.a.l. i want to buy it, not sell it. i think you got to keeper. let's do one more. let's go to kevin in florida. kev? >> caller: hi, jim. big old boo-yah from the liquid sunshine state of florida. >> i loved florida, lived in the big bend. what's up?

>> caller: i wanted to ask, with the recent cash for clunkers and the big demand for sodium silicate if ppg still has room to run. >> ppg has room to run, because it's still got a high yield. i don't want to put too much on autos. and go much more into china. but it has some exposure to the good ones. the reason you own ppg is natural gas prices low, and a great ceo. and best of all, it's moving to asia as fast as they can. get off your duff. stop drinking duff. and join cramer in ending "the lightning round." mary in california. mary? >> caller: can you call me on -- when i call in can you call in on your house phone? when i call back, can i call you on my house phone? >> sure, i'll give you my cell

number. >> caller: okay. >> you've got cramer. >> caller: yeah. hey, this is cramer. hi, cramer. hi. >> hey, mary. how are you doing? >> caller: i want to know about deutsche telecom. >> all right. all right. i'll tell you about deutsche telekom. >> caller: yeah. >> oh, definitely. i've made sure, by the way, i washed my contracts with this juice before i came out. let me put something in my eyes. it's like visine. that's other real estate-owned. also known, of course, as -- oh, god, someone licked the middle part off. man, that's disappointing. tonight i'm creating the "mad money" foreign legion. that's right. we're going traveling. norway.

tonight i'm a proud honorary norseman, with viking-like abilities. and i ain't talking about those losers in minnesota. chile. so, that's why we brought our the chilean sea bass. brazil, the land of plastic surgery, giselle and carnevale. we're heading to canada. the great, white north. the land of celine deeian. not bad in concert. and jim carrey. personally i giselle and plastic surgery. i'm jim cramer, i got four seconds left. i'll see you tomorrow. see? i had all the time in the world.

earlier this week we expressed tremendous outrage about the s.e.c. decision to fine the shareholders basically

from bank of america, because of the merrill lynch fiasco. we questioned why the share holders should get hurt. why don't they go after the executives? we also couldn't figure out where the $33 million penalty came from. and why if this is a $5 million matter, we don't know more about it. judge raycroft, a traffic judge, agreed with us. and in a rare action, he actually stopped it. he halted the settlement agreement. we encourage this kind of courageous behavior. and we want to thank a judge who obviously thinks like we do that the whole thing was outrageous. and we need to know more. there should be more judges like that, willing to stand up and make a statement that the government is doing everything right. let's get some e-mail now. this is from jamie. jim, is it possible that we're seeing a "u," and "w" recovery at the same time? the stimulus funds only give a

recovery spikes. but once unemployment stabilizes, i think we'll see an actual "u" turnaround on this. am i on the right track? >> believe it or not, after today's unemployment number, we could be transferring from a "u," to a "v." next week, the fed meets. if the fed says, we're back on track, you're going to see first, a market that's going to be happy because it will be anti-inflation. and second, a sense that we are certainly on the "v." here's one from jim. oh, wise cramerisky. how is it that chico's fas, chs, get no, sir attention after quarterly sales report that was seriously noteworthy? they blew out analysts expectations, when nay went positive year-to-year. are they too small for everyone to care? i saw that thing go up. and i said i ought have gotten on it. and i didn't.

and because i didn't, i said, i missed it. i should have focused on it. that was my bad. here's one from mike. i know you talked about cole pcx. it recently was $5 and climbed over $9. is the coal stock going to run out of steam? i think it will. if you want a coal play, i recommend joy global. that's doubled since we first recommended it. and that's coal directly on china. that's what matters because the chinese are serious users of the coal. here's one from keith. i have about 30% gain in applied materials. from the earnings announcement coming out next week? should i hang on to this? neither. there's a turn in the semiconductors. when they turn, they start buying new equipment. we're closer to the cycle turning than before. i want you to stick with amat. do not sell it here. "mad money's" back of the break. miss out on some "mad

money"? you can get cramer sent to your phone. ccccccccccccc

with huntington bank moving up, citi is the next play. citigroup will be there forever. i programs to find it just for you on "mad money." i'm jim cramer. and i will see you monday.

don't miss a second of cramer. you can find each episode on itunes. and take cramer. get "mad money" on itunes today. for more info, go to madmoney.cnbc.com.

a lot has happened over the last year, hasn't it?

real estate come and go, the whole thing. do you ever wonder what we have to take away from it? i think we got beyond our lifestyles. i think we got so far beyond what every, single of us could afford. we had so say get real again. get values back into your life. make sure that you are living a life that you can afford. the problem afford. the problem is that so many of you continue to look at what you had, not at what you have. and that is the biggest mistake that you will make, given what has happened in this economy. it is essential