I recently attended a meeting of credit counseling professionals from around the country and liked the advice of economist Morris Segall, president of SPG Trend Advisors.

Segall did not have a lot of good news about our current economy, but he did have some excellent advice on how we all might consider weathering this difficult time for our personal finances. Here are his recommendations for what Americans can do to get through the bad times and to best ready themselves for a recovery that eventually will come.

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