Wow ! Since Christmas, my life has been a series of milestones. It has been a year since I left the workforce, and it's been so long I am probably not even classified as someone as someone who is unemployed any-more. instead, I am now someone who is no longer participating in the labour force. The economy has really changed a lot, I'd just like to speak about two trends which was not anticipated when I quit my job last year at about the same time. a) SIBOR is up. Real-estate bulls are in for a beating of a lifetime. I have had a balanced real-estate/equity portfolio for quite a while. What is really irritating and I believe this is being shared by many readers all these years are the kinds of fools who would never believe that a bear market in real estate is possible. With SIBOR being up so ......