I am a happily retired Banker. I now enjoy working from home, world travel, my dog and my family. I believe we can change the economic climate by creating our own employment. There are Business Opportunities that cost nothing to ones that cost money to start. There is no reason anyone should be broke! Here are just a couple sites: http://allsolutionsnetwork.com/NM/NM16441 (Free-always/no upgrades ever-everyone should have this if they're alive!) and http://ntcm.sbcpower.com (start for $75.92!) Income -unlimited.