"The Real Secret of Success Choose Your Suffering.Everything you want in life; every goal you want to achieve; every dream you want to manifest: all comes with a price tag.Legitimate success in any endeavor requires that you pay upfront, in full and with your own sweat.There is no other way.To achieve any goal, you must choose the suffering that is right for you.Subsequently, you must live with the consequences of that decision.The moment you choose to not continue to pay the price of success, is the moment you choose to suffer the consequences of failure, which is, the WORST kind of suffering.The suffering cost of failure is ALWAYS higher than the suffering price of success.The cost and consequences of success in a job, relationship, career, or any area can cause a monumental amount of disruption and chaos in your life.Here are some examples of the suffering costs of failure:If you lack financial discipline, you will suffer the consequences of debt, harassing bill collectors and sleepless nights.If you do not manage your diet, you will suffer the cost of diabetes and poor fitting clothing.By not keeping your promises or honoring your commitments, you will suffer the loss of reputation and contaminated character.Sooner or later, each of us must choose to pay the price of success or pay the cost of failure.Sooner or later, you will come to the understanding that you MUST choose your suffering.The price of success is often more than people are willing to pay.

Is this a symptom of a bad market or am I just not finding the right deals?

He is very knowledgable, and helped setup my law firm with a health insurance package for our needs (younger work force wanting higher deductible plan at lower price point - next year will be challenge for him when I need to incorporate coverage for spouse with type 1 diabetes). 

I've actually had this happen before but the symptoms were different.

Unfortunately, I think what will ultimately happen is that voucher programs will be greatly expanded, as the government tends to favor "solutions" that require massive amounts of taxpayer dollars be directed to treat symptoms without addressing the underlying problem (too high of costs), thereby fueling the continued rise in costs (see healthcare and higher education).

Personally I am a fan of fixing the problem rather constantly spend money to alleviate the symptoms.

NODs is not just a symptom of a bad real estate market but it can also be a cause of it.

I have had some symptoms for several days that are probably reactions to the paint, similar to what I had when doing my ceiling.

Too many are getting tunnel vision of the symptom, and ignoring the infection. 

Sometimes, there may be multiple different "symptoms", but all result from the same underlying problem.