Although certain occupations obviously offer more security than others, I can think of no sure-thing, recession-proof occupation.

DEAR JOYCE: At 38, after closing my failed business, I'm debating returning to school in an accelerated bachelor's degree nursing program. Because I already have a bachelor's degree in another area, I hope to complete the bachelor of science in nursing degree within one year. Is this a plausible idea? -- J.T.

Only the nursing program admissions specialist at your chosen institution can answer your question with certainty -- and will only do so after looking at your transcript.

But, as a concept, yes, you may be able to fast-track your new career. What lies ahead? Although observers expect a rosy future for nursing employment, especially as baby boomers go geriatric, don't forget that hospitals keep importing nurses from other countries.

Accelerated nursing programs are available in 43 states; browse for "accelerated nursing programs." For general nursing info, hop onto these two sites: campaignfornursing.com and discovernursing.com.

DEAR JOYCE: Although I'm searching for a job, I turned down one yesterday because the boss looked like trouble ahead. My husband had a meltdown because we need the money. I think I have a right to turn down a job offer that I know in my soul isn't going to work out. Yes? No?

When you're unemployed and off benefits and have a family to feed, you may take an iffy job and, under the radar, hunt harder than ever. Instead, you may move in with your parents and turn down that bummer job. There's peril both ways. You'll have to decide this one. Job-recovery projections continue to be bleak.