How To Recession-Proof Your Life
It's no secret that business is down, unemployment is at all time highs,  in-store traffic has slowed to a snail's pace and retailers are losing millions and millions of dollars in sales each month.  In other words, we're in the middle of a Recession.

Every day I hear of more layoffs or businesses going under. It makes me sad to know that thousands of families all across the country are having their lives turned upside down. Out of work and with very little training what are these people supposed to do?

Whether your nearing retirement or just starting out in the working place, this recession is affecting most everyone. The reason I say most everyone is that for a select few, we are living a Recession-Proof life.

What do I mean by that? Well, did you know that in spite of these market conditions, online businesses and e-tailers have actually increased their sales?   We're not talking about just surviving the current economy but, actually thriving in it!  How are these businesses prospering at such terrific levels of success you ask...?

They have Recession-proofed their life!

In order for your to fully understand what I mean by this you have to understand the world's current landscape. In the 19th and early 20th century we were still living in the Industrial Age and workers where compensated based on their skill in a certain trade. The better you were at a given trade the more money you made.

In order for companies to keep you around, they would offer several benefits to ensure your loyalty. They offered anything from pension plans to health benefits, etc. With a pension plan your company would pay you, even if you were no longer working for them, for as long as you were alive.

So the goals during the industrial age were to go to school, get an education and then get a "good" job with a company that would pay for your life until you were gone or in other words a Pension Plan.

As the rest of the world caught up to the industrial revolution that had happened in the US, they were able to reproduce the same work at a much lower cost. Therefore, companies started moving their manufacturing to these lower cost countries.

With the launch of the World Wide Web and regular commerce turning to e-commerce the Information Age was born. Today, an employee is valued for the information they possess not their trade.

Companies realized that pension plans were too expensive and therefore no longer offered pension plans. To help employees feel comfortable, programs like the 401k were set up. Now, you as an employee would set up a plan to pay for your life after you retired. We've all seen how successful these programs have been, in 2008 alone I lost over 41% of what I had in my 401k.

What are we to do then? If our companies aren't going to take care of us and our 401k's and other such investments are going down the drain, where do we turn...

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