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Before our economic woes got our undivided attention, one of the greatest fantasies for employees and business owners was the idea of being able to take early retirement. But with the staggering unemployment numbers, it means that for far too many, early retirement has become a forced retirement.

If you are one of the millions of Americans trying to get back into the job market or back into businesses,  

The economy might be tough, but I believe the entrepreneurial spirit is tougher. Recently the news has paid an inordinate amount of attention to the plight of laid off workers who are desperately searching for new jobs. In previous periods of high unemployment, the banks were still relatively healthy and in a position to lend money, which fueled an increase in the number of small business start ups.