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Countless finance magazines, analysts, economists, stockbrokers and cable business programs too often feed you what they think you'd like to hear. They pander and they blather, but they rarely tell you the truth. 

That leaves it to us Dolans to crawl out on a lonely limb to give you the facts that you'd probably rather not hear but need to know. Rose-colored glasses don't do you any good in times like these. 

So here's the straight talk on what you can expect for 2009, warts and all, along with the tools to make it through the muck and mire.

Without further ado, here is our first fearless prediction for 2009…