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tmeri asks:Are PT jobs with health benefits readily available? I have a big concern that such jobs are hard to come by.

I know that Starbucks and Wal-Mart both provide health benefits to PT workers who work at least about 25 hours per week. I am sure that most national retail stores are similar. I know this isn't an ideal scenario, but it's a far cry from going hungry or liquidating your investment portfolio.

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