When Federal Reserve Chairman Ben Bernanke speaks, Wall Street listens - and investors should beware. The Dow Jones Industrial Average (DJIA) has lost over 2,500 points on days he has spoken, including three of the worst point losses ever.

Today's drop in the Dow of 215 points is the 14th time out of the last 20 times the Dow has lost ground on a Bernanke has spoken over the past six months. Bernanke gave a speech at the Federal Reserve System Conference on Housing and Mortgage Markets in Washington today, where he continued to hammer the message the economy is in bad shape.

"The U.S. financial system has been in turmoil during the past 16 months," Bernanke said. "Credit conditions have tightened and asset values have declined, contributing substantially, in turn, to the weakening of economic activity."

Can you remember where you were at any point during the four years of the Jimmy Carter presidency?

Most people who were alive don't look favorably toward the economic situation during those years. But MSNBC "Hardball" host Chris Matthews, who was gainfully employed as a member of the Carter administration, might look back a little fondly.

When he criticized President George W. Bush about the economy following his State of the Union address on January 28, he may have just neglected to remember what the economy was like back then. That didn't stop him from taking a shot at the Republican president.

There’s been plenty of blame placed on home lenders, and that’s led to a call for more regulation by many politicos.

But what about the borrowers who agreed to the loans’ terms and the cost of any regulatory action enacted to protect these borrowers?

Barbara Kiviat disregarded those key points in her article “Ground Zero of the Real Estate Bust,” published in the August 27 issue of Time. She suggested there was a predatory element involved meant to lure the unsuspecting “addictive” borrower to get in over his head.

“Still, the EZ Credit addiction is tough to cure,” wrote Kiviat. “Drive through Green Valley Ranch, and you still see signs for 0 DOWN PAYMENT, 100% FINANCING.”