". . .the economy has lost jobs for five straight months, and the unemployment rate spiked to a nine-year high of 6.4 percent in June. Even for people who are comfortably employed, the specter of unemployment is pervasive, while for millions of unemployed workers, there is a sense of near-desperation. My savings, which I have been using to supplement the unemployment, is gone, said one reader in an e-mail to MSNBC. I have NO idea what I will do.