6. Put on your shield and armor when you enter your workplace. Everyone should learn how to create a psychic shield. Imagine that you are surrounded by an outer shell that is made of a solid material -- so strong that nothing can get through to hurt you. Some people prefer to imagine a protective golden light, but I think solid shield is stronger. Take two or three minutes to put on your shield, every day, before you enter workplace.

7. Do one nice thing for yourself every day -- a splurge of time or sensual taste buds. A special book, time with a friend or special person, special food. Don't deaden your senses with alcohol (although if you're a wine connoisseur, your special wine can be a gift) or spend big bucks at mall. Think simple.

8. Find at least one thing in your life to appreciate: softness of your cat's fur, winter sky,the spontaneous hug from a friend. Appreciate as much as possible about your job: money, view from window, new computer, your friendly conversations with guy down hall. Savor experience. Appreciation is engine that attracts good things into your life.

9. Stay tuned to your intuition before deciding what to do next. Meditate and listen to world around you. The saying "frying pan into fire" is real. If your goals and desires do not come from a secure place within yourself, you will find yourself paying undue attention to those who say, "You'd better stay even if you're miserable -- you'll look unstable," and those who say, "Just quit! Get out of there! Just start your own business -- you won't starve." Sometimes same "advisor" proposes both ideas in same week. If you're getting worn down by bad advice or you want an objective sounding board, find a mentor, counselor or coach. They should help you gain confidence in your own intuition, not impose their views of what you should do now.

COBRA ALTERNATIVES For majority of healthy workers who just want to be protected from unforeseen medical expense until they land another job, short term medical coverage is best answer. This coverage is issued online within minutes, covers all ordinary any necessary medical treatment from any medical provider in United States and requires no referrals. The cost of this coverage is less than 1/2 of price of COBRA plans. The two downsides are that this coverage does not cover pre-existing conditions and you must re-enroll after 6 months.

ELECTING NO COVERAGE Individuals in some states may wisely elect to keep no health coverage while unemployed with knowledge that they can join a health plan at any time, even after they are receiving medical treatments, and have all of their medical expenses for pre-existing medical conditions covered by new plan. Three of these states are New Jersey, New York and Vermont. The negative is that this type of health coverage, if needed, is ridiculously expensive. Some plans in these states run more than $2000 per month for family coverage.

RESOURCES IRS Notice 98-12 provides this information in form of questions and answers. The IRS publication on this subject can be found at ftp://ftp.irs.ustreas.gov/pub/irs-drop/n-98-12.pdf

Www.MedSave.com offers online enrollment for short term medical insurance nationwide and professional enrollment support by telephone at (877)-529-7435.