-FROM THE YESTERDAY'S NEW YORK TIMES-
By RON LIEBER
In the last month or so, it has become much harder to take out our wallets without feeling guilty.
No single authority figure has told us not to spend. But people are scared, and that fear is showing up in lower sales on all sorts of big-ticket items, from autos to electronics.
Homeowners had already been feeling poorer, and the devastating investment losses have made thrift a necessity for…
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