"Jim, don't talk to me about plans right now. Things are crazy!" I would like all of us to stop for a moment and read that statement again . . . go ahead, we've got time. Before I go any further with this newsletter, I want to make a few disclaimers. The person who made this statement over the phone was not a client, never has been, and probably never will be. They do not read this newsletter, never have, and probably never will. If they did read this little intro, they would not recognize it as their own and, if they did, would probably want recognition for the great advice they gave me.