But when you lose the desire or ability to watch out for those around you, you might as well go gracefully, as your end may be near.

FORBES: The Essentials Of Staying In Power

Debt-protection services, which cover your credit-card bill when you can't, can help out if you become ill or lose your job, protecting your credit score, the Government Accountability Office said in a report last month.

WSJ: Getting Going: The Financial Fear Mongers

If the company goes bust or becomes seriously impaired, you not only lose your job but your savings gets wiped out as well.

FORBES: The Riskiest Stock to Own: Your Employer's