Globalization, outsourcing, contracting, downsizing and recession have all had an impact on many small and large businesses and, the days when company loyalty and hard work provided job security are becoming a thing of the past. Insufficient income, living from pay check to pay check, working in a dead-end job, or, dissatisfaction with where you are right now provides the opportunity to change for the better. Don’t rely on the traditional 9-to-5 job and one source of income for your financial security. It is impossible to get ahead on low income or that is never enough to make ends meet. Relying on just one income source makes planning ahead difficult, it provides little or no extra cash on hand and debts could get out of control. What’s more, if you happen to lose your job life can become extremely difficult.