To the administration, at least pretend that you understand how the economy actually works; bring in some advisors that have credentials and experience outside academia. Do something about estate taxes. Levying a 55% tax on estates over $1 million? Really? Great for family farms and family businesses.

To the leaders of the House, Senate, and Executive Branch, would you please be good examples and actually try and lead for a change? Stop the "I won" or "we won," the election garbage, and try and get something done ... together. Overall, neither party won a decisive victory in the election; you can take that as a sign that many don't trust either of you.

Please, if this year-end "save us" stuff is all for show, just go home.

This article is commentary by an independent contributor, separate from TheStreet's regular news coverage.

Jonathan Heller, CFA, is president of KEJ Financial Advisors, his fee-only financial planning company. Jon spent 17 years at Bloomberg Financial Markets in various roles, from 1989 until 2005. He ran Bloomberg's Equity Fundamental Research Department from 1994 until 1998, when he assumed responsibility for Bloomberg's Equity Data Research Department. In 2001, he joined Bloomberg's Publishing group as senior markets editor and writer for Bloomberg Personal Finance Magazine, and an associate editor and contributor for Bloomberg Markets Magazine. In 2005, he joined SEI Investments as director of investment communications within SEI's Investment Management Unit.

Jon is also the founder of the Cheap Stocks Web site, a site dedicated to deep-value investing. He has an undergraduate degree from Grove City College and an MBA from Rider University, where he has also served on the adjunct faculty; he is also a CFA charter holder.

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