My name is Fran and my husband Ben of 13 years was a realtor and got caught up in the whole mortgage debacle, real estate slow-down and sub- prime mortgage mess.

I was a stay-at-home mom with two boys (ten and twelve) and was perfectly content with my home life, but now that Ben's commissions were dwindling down to nothing, I had to take a job to help support the family.

I didn't have much in the way of employment skills, I didn't type very fast and wasn't interested in being a barista or a store clerk, especially since I wanted something with a bit of flexibility so I could...