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In these up and down times in terms of personal finances, it's important to have a back-up plan and most of us just don't have one. Over the past few years we have seen what massive unemployment can do to individuals and to society as a whole. When dad or mom—or both—lost their jobs, families were devastated and had no place to turn except the unemployment lines, food stamps and welfare. Some are just beginning to recover. Senior citizens, who saved and planned for retirement, thinking their efforts would pay off in retired enjoyment—traveling, enjoying hobbies, living comfortably—find that t
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