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Ms. Weiner says that separation often brings "instant poverty" for women, who are forced to take marginal jobs in an effort to maintain their family's style of living. JFS can offer immediate financial assistance, direc- tion on legal issues and emergency food relief. Ms. Weiner says it often takes women up to two years to put their lives back on track. "There are always issues of sadness and loss, even when money is not an issue," she says. In addition to financial burdens, some newly divorced and widowed women are instantly del- uged with tasks which they may never have expe- rienced because they have never acted as the head of a household. For some, separation from their husbands means they will be filing their first tax return, pur- chasing their first insur- ance policy, or making their first mortgage pay- ment. Many will have to learn how to raise their children singlehandedly while looking for full-time employment and drawing up a household budget. "It's a new stage of life that no one ever expects to be in, and whether or not you're prepared for it, you're there," says Anita Gilbert, 47, whose hus- band died three years ago and only 10 days after being diagnosed with can- cer. Ms. Gilbert manages an eyewear store in the Summit Place Mall and credits her relatives and four children with sup- porting her through her grief. She used her 12 years of bookkeeping experience to get various jobs, including one at the Ira Kaufman Chapel, before taking her current position. She has found that employers sometimes prefer displaced home- makers because they are perceived as more depend- able. "The employers see sta- bility, they see maturity. This is not a person who is going to run off and get pregnant and leave you," she says. The employment chal- lenges faced by single mothers are generally not as severe for the younger generation, Ms. Weiner says. Younger women typ- ically have college degrees and solid experience in the workforce before their marriages and are more prepared for single life, she said. But for women in their 50s, 60s and 70s, separation can be a disas- ter. "These women have nothing to do with their time. They have no social role," she says. In looking for work, a significant number of dis- placed homemakers choose sales because of the potential for quick earnings and the flexibili- ty of hours, according to Dorothy Schmittdiel, who coordinates the Displaced Homemakers program for JVS. The program, which receives 20 to 50 applica- tions per month and usu- ally has a waiting list, "It's a new stage, whether or not you're prepared." helps these women identi- fy skills, choose careers, and land jobs. Ms Schmittdiel says office positions are the best because of the potential to learn new skills on the job, and that the single most needed skill for women is computer train- ing. However, Ms. Schmitt- diel remarks that even women who have never worked before usually have some skills. "The volunteer work many of them have done involves a lot more skill than most of these entry- level jobs, like fund-rais- ing, event planning, orga- nization, and so on," she says. Ms. Schmittdiel says about 60 percent of the women who go through the Displaced Homemaker program take jobs right away, while about 25 per- cent go back to school. In addition to employ- ment, child care can be a pressing issue for dis- placed homemakers, says Irma Starr, director of the National Council of Jewish Women's SPACE program, a support group for families in transition. The increased mobility of Americans means women can no longer (