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If you have a job you might be suffering pay cuts and shorter hours. The company you work for seems unstable. You maybe hearing rumors that the company you are working for might file bankruptcy or simply just shut down if the economy doesn't get better.
You can become homeless because of health problems. The homeless are not drunks and drug addicts anymore there are more families with children becoming homeless.
The question is how close to homeless are you and do you have a plan?