You hear about it everyday. Either you, or someone you know, has been downsized. Restructured. Laid-off. Retired early. Whatever you call it, it is a stressful time. Job loss ranks in the top 10 stress factors of the Holmes-Rahe Social Adjustment Scale, just behind marriage. What can you do? For starters, you can take control of your finances. To help, here are some common questions and answers:

Am I in Danger of Being Downsized? Steps to take if you are being downsized What Do I Need to Know About Severance Packages? Information on severance packages What Are My Health Insurance Options? Health insurance when you are between jobs Does Being Laid-Off Affect My Retirement Account? What happens to your retirement account What Are Some Budgeting Tips? Suggestions for budgeting money

How Can I Reduce My Debt? Tips to help reduce your debt What if I Need a Loan? How to go about getting a loan Tips on Surviving a Volatile Economy Suggestions for managing finances Collecting Overdue Bills in a Tough Economy: 10 Tips for Business Owners How to get the money you are owed

• Did You Know...?
  If you are a foreigner, working in the U.S. with an H1B visa, downsized can mean being deported. Here are some Web sites to help you get more information:

• Basic facts about H1B visas from Employment Standards Administration (Department of Labor Web site, www.dol.gov  ).
• Self-described as the "immigration portal," this extensive immigration law publisher's site posts information about H1B visas. (ILW.com  , The Immigration Portal).

The Retirement Consulting Group (RCG)—an experienced team of retirement consultants who understand the nuances of retirement planning—is designed to supplement the relationship you have with your financial professional. Contact RCG for all of your rollover and retirement related questions.

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