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laid off employees from pre covid times carrying boxes of belongings out of office Way back in the old days, before March 2020, layoffs sometimes looked like this.  We realize that at present, few people are carrying belongings out of offices, at least not without social distancing. (Photo: Shutterstock)

In the coronavirus pandemic, probably the only sure thing these days is that change is coming.

And since that change could include a layoff or a furlough (yes, they are different), it makes sense to be prepared in case you end up in the next wave of the millions of people who have already joined the ranks of the unemployed.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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