In these times of economic distress.

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We are in a recession but the truth is that it has a different meaning to different people. For those who are looking to buy a home...it is truly a buyers market, however not good if you're trying to sell. There are so many foreclusures everywhere which is a steady sign that people are struggling to make it. Whether it be that they have been layed off, or completely lost their job due to downsizing, work for a corporation who goes completely under because they are not getting enough business...pretty much anything that inhibits the loss of income can be very stressful and it creates a ripple effect. When one isn't making money, they aren't spending money, therefore many more companies suffer. I myself can attest to the fact that living on a budget is more important than ever. The cost of living is not going down...it's steadily increasing, but the job market is slowly going down the drain. I hate to be so blunt about it, but the truth is that alot of companies are in just as much financial as I am, therefore they are also not as willing to pay people what they are really worth.