The business world left many dazed and confused after a wild ride filled with economic turmoil and criminal wrongdoing during 2008. It is possible to trust the people on Wall Street, the people in Washington DC and any of the regulators wherever they may be after this train wreck?

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Incredibly, the biggest outcome of the economic debacle and disaster that's facing our country right now is likely to be the evolution of a new set of values for a generation that's grown up on waste and excess. It may just turn out that our parents and grandparents were right and our generation is going to have to get used to a new way of seeing the world. We're going to have to get used to living within our means, using less credit and being sensible in our behavior. The new entrepreneur training is going to be a course in values.

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You might have heard that many of the credit card companies and the home mortgage companies are reducing the lines of their many millions of customers. Millions of credit reduction letters are going out from all manners of companies.

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Readers of this blog frequently write in and ask where my information and insights come from. I review a lot of news articles and a lot of information. I've been around the block a few times and I have a lot of friends who are deep in the money business and who give me insights that outsiders simply don't have access to. But one of my very good friends is someone who is a true insider, and I'd like to introduce you to him by way of this column.

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