Tina, my seven children, Jack the dog, and I all wish you a happy new year.  I’ve become famous in my home for reminding everyone that, as we start the new year, we are all back to zero – unless you’ve taken the time to build various forms of recurring revenue!  Regardless, it’s time to pull out your plan for 2009 – the one you were hopefully working on through the month of December.  For those of you who did not…all is not lost.  This morning’s Podcast post http://dstelzl.podbean.com/ starts a three part series on planning – a simple format to walk you through three short 15 minute sessions to plan your year.  Make sure you have something in writing – while laborious details are not so critical, concrete vision, goals, and plans are.  You won’t need weeks of work on this, but you do need some time to think through last year, last quarter, recent news, trends, and futures for 2009.  Since you are going to spend the entire year working, you might as well start with a realistic plan in place.