More often than not within your circle of friends and family, perhaps even neighbors and co-workers you are seeing the effects of our economy which is on a roller coaster. Every day, hardworking people are coming into the office only to find a memo on their desk which notifies them of company cut backs and lay offs. It is absolutely devastating to an individual and their family when they are faced with the reality that their weekly paycheck is gone and the bills just continue to pile up. No one is safe from this, job security has all but become a thing of the past and people are getting very nervous. They may already be faced with a mountain of debt while they are in the throes of the workforce. What will happen when they find themselves without an income? The thought is staggering![Read more]