Given the significant and profound changes which occurred all over the globe in 2011, it can be helpful to review where we have been to see where we need to go. 2012 could be a very pivotal year. The economic forces at play in various parts of the world could propel us forward or cause us to slide backwards.

How well prepared are you to move forward or to thwart any slide backwards? Are your personal and business goals aligned to maximize your efforts? Is your financial house in order? If greed is bad, debt is worse. Make 2012 the year you marshal all the resources you posses to achieve the goals and aspirations you strive for.

Dale (Andy) Sheets is the President of Lyman & Sheets Insurance Agency. He has more than 30 years of experience in structuring risk-management insurance programs for businesses worldwide. To learn more about Andy, click here.