Appreciation-sharing is a cost to the borrower and, if the terms are set correctly, those with the means to get through the decline in their collateral without giving up some of their upside will find it in their interest to do so.

FORBES: Home Truths

Consultants and companies are at risk if systems are not set up correctly and each could face audits, penalties and a loss of work.

FORBES: Time To Hang A Shingle? The Era Of Independent Consulting

In fact, if done correctly, declining an offer today can help set up a future successful job search.

FORBES: Decline a Job Offer -- The Right Way!