Hi Hunny --

We are going to need an awfully big boat to hold all of us sailing with you in this rough economy.

It sounds as if you are doing every practical thing under the sun. You sound so well-organized. Do you think it would benefit you to start a local group for "how to survive in hard times" to share everything you know. Perhaps as a step toward your coaching career for experience.

I admire the way you have made plans and figured out the steps.