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Dear Friend,
You're tired of living paycheck to paycheck. You know that unless you take matters into your own hands, you'll always be at the mercy of employers and companies that could cut down your hours without notice, or worse, lay you off without anywhere to go.
The economy sure isn't helping matters. With hundreds of thousands of people abruptly losing their jobs, and companies going under, there is no longer such a thing as "job security".
Regardless how dedicated you are to your job, how hard you work or even how long you've been there, it can all be swept right from under