It’s no secret that the job market is more volatile and unpredictable than ever these days. Depending on where you live, the unemployment rates can fluctuate from a reasonable 7% to as high as 25% and who knows exactly how high they could go in the near future.

Finding a job is almost impossible. Companies everywhere are cutting costs and downsizing like there’s no tomorrow. For many companies there really is no tomorrow; even the “Fail-proof” companies are seeing bankruptcies and buyouts more often than ever in the past 100 years! If you don’t already have a steady, stable job with a well-established company then you definitely picked the wrong decade to be unemployed in. Even if you have a stable job there’s really no telling if it will be there next month, or even next week.