Life is unpredictable. Accidents happen. Sickness strikes at sometimes the most inopportune time. Even with careful management, disaster can derail a family's security and livelihood.

Currently there are numerous skilled workers without adequate paying employment. They sink deeper into debt no matter how hard they try nor their level of education.

We hear about imminent layoffs and strikes on a daily basis. But, there is hope out there. Just about as often I hear from neighbors and friends who are getting wind of the new grants being offered by our government that are created to relieve their difficulties.

It is very disheartening to learn about a father who has given up hope after spending his lifetime working to provide for his family, and still finds himself drowning in debt. There is a big push to help impoverished individuals and small businesses avoid losing their homes or folding.

The state and federal governments are offering help for many downtrodden individuals and families. It is a matter of getting the word out to these people so they can get started on a more positive path. No one likes to feel helpless.

Any US citizen over the age of eighteen can apply for one of these government grants. Best of all, these grants do not have to be paid back unlike a bank loan.

Additionally, consultation organizations have been set up to help individuals or families learn how to manage their debts. Grants are available for single mothers to further their education so they can better provide for themselves and their families.

Hopefully this humbling time in our country's history will teach us to reach out and help each other in times of need. Unfortunately there are still many in our country who have so much that are unwilling to help the poor. Our government is acting as that agent in the meantime.