What's a "Cool Free Download?"  It's cool (and very useful) if it makes you think, helps you plan, provides you with new and unique information, helps assist you with solving problems, or simply makes you smile.  We're always looking for useful and interesting articles, materials, lists, worksheets, and information to put in front of you.  You need not have Personal Safety Net expertise or knowledge to enjoy a Download - our aim is to cover the bases of life's challenges.  

Most of the Downloads are in PDF format and can be read or printed by you at your convenience.  Very rarely will we take you to another site to read a Download - but if we do (as in the case of our story: 8000 Free College Courses) then you'll see: it's worth it! 

We try to cover a wide variety of subjects and needs with the Downloads - from planning to send your child to college, to planning for a new roommate, to getting prepared for retirement. We also provide supplemental pages to our book and workbook - for those of you want to keep current on Safety Net trends and knowledge. We're also continually adding new Downloads - so check back from time to time.  We also take suggestions, so feel free to write or send us your suggestions. 

Our biggest Cool Free Download is our Workbook: Get Ready/Get Started, by Judy Pigott and Dr. John W. Gibson available to YOU for FREE. Simply download the entire book by clicking here Personal Safety Nets Workbook.pdf - and you'll have all the pages, table of contents and the entire appendix. You can then choose to save or print off the pages and have them all for yourself - FREE. Now's the perfect time to get started on working on the forms and ideas you always wanted and needed to get down in writing. Filling out this workbook will get you started on the road to a complete and very useful personal safety net.