Howard Ruff, who has been publishing The Ruff Times (www.rufftimes.com) since 1975, is the author of How to Prosper During the Coming Bad Years (1979), Survive and Win in the Inflationary Eighties (1981), Making Money (1984), How to Prosper During the Coming Bad Years in the 21st Century (2008) and How to Prosper in the Age of Obamanomics: A Ruff Plan for Hard Times Ahead.