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A second point is to break down your goals into three categories: short, intermediate and long term. I would advocate that you should have a separate list for your personal, professional and life goals. The personal goal list would cover areas like: personal relationships, use of free time, personal growth activities, reading up on a particular topic, taking continuing education classes or seminars, etc. Your professional goal list should be clearly focused on building your business, increasing revenues, cutting costs, strategic planning, marketing, employee management, creating partnerships and meeting beneficial business contacts. Your life goals would cover the broader picture of what you want to accomplish in life and what who you want to be remembered for.

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I guess I should be thankful. The small business credit crunch is good for (my) business. When sources of capital dry up, business owners just have to make do with less. Good cash flow planning and decision making is critical. SurvivalWare shines in this environment.

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It didn't take long for me to realize that this was no way to make money in real estate. Consequently, I got rid of these houses as fast as I possibly could. There were plenty of buyers, willing to take over my headaches, because they had the ability to make it work, they believed.

avoid paying california state income tax I finally worked out a repayment schedule with AmEx. One thing nice about doing detailed cash planning, is that it strengthens your resolve, and helps you avoid commitments that come back to bite later. At first they let me get by with paying $100 every couple of weeks as a sign of good faith. Of course, what really hurt was losing all the points I had accumulated. I was tempted to use them up prior to becoming delinquent, but figured that would not look so good.

Children are extremely inventive beings. They come into this world with no preconceived notions of doing things. In their minds there are no limits to what they can do or how they can do it.