I’ve heard from so many investors who are saying the same two things: First, they aren’t doing anything until they hear about the stress tests today and second, they wish the government would stop hyping things up (or down) the way they are.

Are you one of those people who are having problems paying the mortgage? Is your home “under water” where you owe more than what your home is now worth? The next piece of the Obama Stimulus Plan announced today may provide you with some assistance. As with all legislation, it’s not light reading but let’s take a look at the important parts of the Homeowner Stability Initiative.

The stock market plummeted nearly 400 points today on the announcement of Treseury Secretary Timothy Geithner’s new bailout plan. This should have been something that sent the market soaring but instead, it sent it the other way. Why?