Think that a recession will be beneficial to you? Ask if you have these: 1. Certainty that you will not lose your job or take a pay cut if you still need the income. 2. Certainty that you do not have debts which might turn crippling. 3. Certainty that you have the funds to take advantage of any value for money investments. Of course, you know what they say about the only two things which are naturally certain in this world and they are none of the above. The first statement is basically the most important for the majority of us. How to have a secure income? Work in the civil service? That is the closest to an iron rice bowl I can think of. If we do not have an iron rice bowl, we better be thinking of having more than one rice bowl just in case. The second statement is ......