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Our fund raising round was not successful.  As a result, IDB will be going off line and into cold storage.  If our competitors should stumble, I may re-active the site in the future but for now, we're turning out the lights.

I had planned to go off-line on April 4th.  Due to some important and unplanned changes in our maintenance schedule, I am now bumping that up to next Tuesday morning, March 27th, 2018.  PM 'admin' if you need to reach me. 

You should use the next 5 days to find a new home for your community.

Running IDB has been fun over the years and I hope you enjoyed your time here as well.  Sincerely,  Paul

P.S. News on IDB Funding -- this is now on it's own page to clean up the site a bit.

Get to work on building your unemployment fund

Get to work on building your unemployment fund

As if being laid off weren’t stressful enough, most Americans don’t have enough money saved to pay monthly bills if they’re jobless for more than a few weeks.

But you can avoid that added stress: Create an emergency fund now for potential unemployment.

A recent NerdWallet study found that Americans don’t save enough to weather several common emergencies, the most expensive being unemployment. Even factoring in state unemployment benefits and average annual savings, most people come up thousands of dollars short.

Among those who lose their jobs in the U.S., the average length of time spent unemployed is 26 weeks. Coincidentally, most states’ unemployment benefits are paid out for up to 26 weeks. Even the most generous state benefits aren’t very high and won’t cover most Americans’ bills.

Continued: https://www.usatoday.com/story/money/personalfinance/2017/04/27/get-work-building-your-unemployment-fund/100893378/