Organizational belt tightening has made retirement accounts seem much more fragile as companies reduce or eliminate the traditional 401(k) match employees have valued and relied on for planning.

People schedule financial disasters all the time. How? They fail to plan for predictable expenses that have yet to surface. As the old saying goes, failing to plan means planning to fail! Let's not fail to plan.

If you're sending out resumes, keep in mind the SEO nature of today's Human Resource departments. With the economy sending more applicants to fewer jobs, HR managers are using software to examine the content, key words, and design of your resume.