Northern Rock's securitisation vehicle issued relatively long-term notes to investors, so it did not face the threat of massive redemptions from this particular quarter.

Mortgages payable, long-term leases, long-term notes payable, and bond payable are a few examples of long-term liabilities.

Getting out and meeting new people will also keep you from becoming isolated, she notes: "Isolation is one of the big dangers of long-term unemployment."