Real estate is not without risks, to be sure, but there is good reason to expect that this dividend will keep up with inflation.

FORBES: The Case for a 7700 Dow

But in a crunch you can take back your initial contributions (not the earnings)without penalty at any time for any reason.

FORBES: Investment Guide: Taxes

Second, companies which might normally hire a middle manager, but held back in the recession, reason that as they have coped thus far without one, another year would not hurt.

ECONOMIST: MBA careers special