That is not an exclusive club...
Quite a few that post on these financial oriented threads fit that bill. (That was a hint, BTW.)
My original point still stands. The more people that are flinging around the "!!!!!!!" to whatever daily news comes out as this _______ unfolds, the worse the ______ will be.
I am only too willing to acknowledge that the party is over, much in way that it was over in May 2000. Guess what? We're still here, some of us are in better shape than we were 7-8 years ago, and not every home buyer, investor, hedge fund, or mortgage bank doing their things in the past 10 years were complete idiots.
So, with the rate cuts, how long should I hold out before I refi?