There is no denying that this past year of 2009 has been tough economically for nearly everyone.  In the U.S., 35 states were reported to have an unemployment rate of over 5% as reported for October on CNNMoney.  That is a lot of people without jobs and income.  My home state of California currently has an unemployment rate of 12.3% according to today's CNNMoney report - even … [Read more...]