Right now in US there are hundreds of companies downsizing or going out of business. In some cases this is due to economy. In others we have seen cases of very poor management and down right fraud. No matter what reason, people have lost their jobs and their income.

In a lot of cases this can't be prevented. If we can't prevent hard times, then just what can we do? Prepare! Prepare! Prepare!

I know you have all probably heard that you should have at least six months income set aside in case you lose your income. Yeah, right! With things as expensive as they are today, you are lucky if you have six days income set aside.

If you don't have money saved for when these problems occur, then just what can you do? First and foremost, you need to have a plan in event this does happen.

Just sitting down with your budget and saying to yourself "What If" will help you know what you need to do to be prepared. Here are a few suggestions that will make it a little easier:

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One Man's Perspective of Love and Creating Work Balance By Dennis Twitchell aka The Big Bear

Do you ever experience pressure from work and home at same time? If you're like most working men you know when things are out of balance at home work tends to be more stressful.

For years I was a partner in a law firm. It never failed, when there were pressures at home, performance on job suffered. When things were good at home there was more balance between team members at office.

Over years I have had numerous conversations with friends and associates regarding work/life balance. There seems to be a common thread of agreement - when our wives and girlfriends feel loved we tend to have more balance not only at home, but at work.

Fact is, men need to feel loved as much as our life partners do. However, love to a man usually means something very different than what it means to a woman. If you are married and have been with your wife for any length of time you know of what I speak.

Having been happily married for many years now, I fully understand that my wife needs, wants and deserves special attention. Yes, that's right…deserves.

Your wife is probably no different. And lest I be misunderstood by any single men and women who are reading this, if you are in a long-term committed relationship, this applies to you as well.

Your loving partner needs, wants, and deserves special attention, maybe more often than you may think to give it to her. You are busy, pre-occupied with work, aggravated with things at work that occupy your time and most likely, stressed out. You're probably tired much of time.