In the United States during the period since about 1980, the labor market has been beset by several unmistakable trends: * full time employment -> part time employment * permanent employment -> temporary employment * union shop -> "open" shop * defined benefit -> defined contribution (retirement benefits) * benefits -> no benefits It is important to provide informational tools that can help people milk the most out of whatever income they can eke out of an increasingly risky and competitive global economy.