I once heard a Texas oil tycon say, after he had lost everythnig, that things are looking up. When the interviewer asked what he meant by that, the tycon said that when you are down on your luck and flat on your back, the only way you can look is up.

Is all your income riding on one customer or one job? If yes, you need to consider multiple streams of income.

With all the down sizing over the past several years, many people have found themselves in just this position. You work hard and after many years you find yourself at the top of your field.

Every job I have ever held in sales, I was required to make "cold calls". Being green, I thought the boss knew better. So what did I do? I made cold calls. Did I close any sales and make any money? Some but I heard "no" more often than not.