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The chatter of recessions and credit crunches is ubiquitous. It's coming from every corner of the media, from the boardroom meetings at work, from the bloke at the bar down your local, even the teenage girl at the bus stop is shouting into her More...

Despite their negativity this may actually be an excellent time to better your life and the lives of those around you. Tough times are some of the best times for people to become resourceful, innovative, and make positive More...