With rising oil price and higher rate of unemployment, job cut is a normal practice at most companies.

When become an unemployed, most of the office workers have ho idea of how to build a business of their own.

It is luckier if you were getting laid off younger. There are still job opportunities out there in the job markets for young and challenging people.

However, most of elder worker are not that lucky. For them, looking for jobs is just like looking for needle in a hay stack.

The last resort for elderly unemployed always relies on pension fund plus meager frugal savings.

Almost of the middle age workers however already invested most of the earnings on home, which they believe is the most valued asset, long before considering of being a retiree.

The fact is that home is the least liquid assets when in needed of money. Moreover, people usually thought of their home as the last resort to be sold, if needed. Several large-home owners let their small business collapsed in exchange to keep their home as long as possible even though its market value is much larger than the business.

Penn, 42, got fired five years ago as accountant of a company she had been working for over fifteen years when she launched a serial of disputes with a newly recruited supervisor.

Penn, managed to get a new job shortly afterwards but she found that it was utmost uncomfortable to get along with new colleagues at the new job. She kept hearing workmates gossip bout her decision to leave the former company, which is one of the world’s most reputed conglomerates.

Penn filed a resignation letter with a manager of a new company barely just three months after she recruited.

Instead of looking for job, she later spent most of the times watching TV, reading, petting and gardening to keep her spirit lively.

It has been five years now that she depends largely on parents’ hand-out as only source of income.

Just like most people, Penn decides to keep her house until the very last. She sold her car three years ago and spent all the money on activities that keeps her from boring such as attending a cookie and bakery making courses.

So if that unlucky happened to land on you, how do you cope with the situation with limited resources?

Except that you get fired at younger age, the best way to get out of the crisis in cheap way is applying for a Social Security’s skill labor training program.

Apart from considerable cheap admission fee, it provides virtually everything necessary knowledge to start your own business or service: from cookie making to bartending to chef, from mechanical technician to electrical technician, and from computer technician to programmer and to website designer.

The courses offer wide range of time spans to complete from just only three weeks to six months and are all conducted by professional trainers.

Initial funds are also available for loan and approval bases on case by case.

So in hard time and hopeless, look at the Social Security office in your city.