The recent economic climate has been one of the most difficult and the most personal that almost every one of us has experienced. Each of us has been affected by the downturn in one way or another, and we all have family members, friends, or colleagues that have lost their jobs. Those of us who have kept our jobs, have had to tighten our belts, eliminate wasteful spending, and build our reserves. If you look hard enough, however, there is usually a silver lining in every cloud!
