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	<title>Changing Course News &#38; Notes</title>
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	<link>http://www.changingcourse.com/blog</link>
	<description>Dedicated to helping you find your life mission and live it.</description>
	<pubDate>Fri, 08 Aug 2008 18:55:46 +0000</pubDate>
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		<title>Have a Great Idea for a Business? Test the Waters Before Diving In</title>
		<link>http://www.changingcourse.com/blog/2008/08/have-a-great-idea/</link>
		<comments>http://www.changingcourse.com/blog/2008/08/have-a-great-idea/#comments</comments>
		<pubDate>Fri, 08 Aug 2008 13:01:43 +0000</pubDate>
		<dc:creator>Changing Course</dc:creator>
		
		<category><![CDATA[Changing Course Newsletter]]></category>

		<category><![CDATA[Val's Comments]]></category>

		<category><![CDATA[Business Ideas]]></category>

		<category><![CDATA[career change]]></category>

		<category><![CDATA[quit my job]]></category>

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		<description><![CDATA[




			
						




						Valerie and her rescue dog,&#34;Cokie Roberts&#34;



By Valerie Young

This article originally appeared in Issue 190 of the Changing Course Newsletter.
Now and then I meet someone (usually a young person) who tells me they really like helping with people, so they’re thinking about going into Human Resources or HR as it’s commonly referred to. They imagine themselves [...]]]></description>
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						<span style="font-size: 8pt">Valerie and her rescue dog,<br />&quot;Cokie Roberts&quot;</span></font></td>
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<font face="Verdana" size="2" color="#008000"><b>By Valerie Young</b></font></p>
<p>
<i>This article originally appeared in <a  target="_blank" href="http://changingcourse.com/archives/issue190.html"><strong><font color="#800080">Issue 190</font></strong></a> of the <a  target="_blank" href="http://changingcourse.com/ezine.htm"><strong><font color="#800080">Changing Course Newsletter</font></strong></a>.</i></p>
<p>Now and then I meet someone (usually a young person) who tells me they really like helping with people, so they’re thinking about going into Human Resources or HR as it’s commonly referred to. They imagine themselves sitting in their large private office eagerly awaiting a long line of interesting employees with interesting problems in need of interesting solutions. </p>
<p>Ask most people who are already in HR though and they’re likely to paint a very different picture. Instead of spending time helping people, most people in HR spend the better part of their jobs days dealing with the &quot;administrivia&quot; of the business <br />world – hiring, terminations, benefits, pensions, payroll, and all too often, petty grievances.</p>
<p>A lot of jobs seem different from the outside. Think about your current career or job. Now that you’re there, is it what you thought it was going to be? Probably not.</p>
<h2><b>Fantasy vs. Reality</b></h2>
<p>Entrepreneurs are not immune to this &quot;leap before you look&quot; syndrome. Take the classic bed and breakfast fantasy. Clients often tell me they love the idea of selecting the colors and the furnishings, picking fresh flowers from the garden for the breakfast table, greeting the guests, and generally making everyone feel at home. Once the guests check out, they picture themselves settling into a big comfy chair with a good book or perhaps puttering in a Zen-like perennial garden. Utter bliss. </p>
<p>Once the real estate is purchased, most people don’t have the capital to hire others to do the cooking, cleaning, and bookkeeping. As a consequence, once the decorating is done and the garden is planted, they realize they’ve become a combination short order cook/chamber maid/bookkeeper! </p>
<p>Every business has its more mundane parts – especially in the beginning when you’re bootstrapping your business or are a &quot;solo-preneur.&quot; But still, the goal is to love more of the work than not. So, before you leap, you need to check out just how wide the expanse is between fantasy and reality.</p>
<p>How do you test out a business idea? Well, if you truly do want to run a bed and breakfast (and for people who are natural hosts, there are lots of wonderful aspects of running a B &amp; B) the best way to get your feet wet without taking a financial soaking is to become a B &amp; B sitter. Just like it sounds, sitters take over the day-to-day operations of established inns so the owners can go on vacation or otherwise get away. Companies like <a style="text-decoration: underline" href="http://www.deserveabreak.com.au/">Deserve a Break</a> actually match B &amp; B owners in Australia and New Zealand with experienced relief workers. Similarly, in the UK, farmers can turn to a decades old company called <a style="text-decoration: underline" href="http://www.lklservices.co.uk/">Loring, King and Loring</a> for relief and contract milking and agricultural staff. </p>
<p>Another option is to go to &quot;school.&quot; Sticking with our B &amp; B example, you don’t need to earn a four year degree in hotel and restaurant management to learn how to run an inn. Many B &amp; B’s offer weekend workshops for aspiring inn-keepers and some owners do individual consulting. If there are no classes in your area, contact a local B &amp; B and ask if they’d let you intern with them in exchange for some free staffing time once you’re trained. </p>
<h2><b>Getting Prospective Customers to Put Their Money Where Their Intentions Are</b></h2>
<p>Even large, well established companies look before they leap. Hotel giant Hyatt ran an ad in the <i>New York Times Magazine </i>for its new Life Care community in Briarcliff Manor, New York. What caught my eye was not the fact that a hotel chain is branching out into senior housing, but rather the clever way Hyatt went about testing the waters before making a significant financial investment. Here is the fine print:</p>
<blockquote>
<p><i>Through this marketing material, Classic Residence by Hyatt is exploring the market demand for a Life Care community in Briarcliff Manor. By joining the Priority Reservation Program, you are expressing your interest in future residency at Classic Residence by Hyatt at Briarcliff Manor. A Priority Reservation agreement is not a Continuing Care Residency Agreement. All deposits will be held in escrow at Bank of New York. You may obtain a full refund of the reservation system deposit, with interest earned at the prevailing rates at any time for any reason. If a refund is requested, however, you forfeit your priority number and benefits. Your status in the program is subject to the terms of the Priority Reservation Program, which are explained in the Priority Reservation Agreement. Classic Residence by Hyatt is currently under development, with a proposed opening date of 2009. Hyatt is a registered trademark of Hyatt Corporation. </i></p>
</blockquote>
<p>How smart is that? In this case, it paid off. Hyatt withdrew plans to open the community due to escalating construction costs.</p>
<p>Think you’d like to borrow from the Hyatt model to explore market demand for your own high priced product or service? Before you start cashing any checks, keep in mind that the people sending you money are not investors. And as such you can’t use prospective customer’s money until you actually decide to move forward with your enterprise and your customers have signed a clearly spelled out agreement on the front end. This is definitely one place where you’ll want to employ the services of an attorney. But still, if your business idea lends itself to a similar approach, it’s a fascinating example of testing the waters by getting prospective customers to put their money where their intentions are.</p>
<p>There are lots of ways you can look before you leap into a new business. For example, you can:</p>
<ul style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in" type="square">
<li>
<p style="margin-bottom: 9pt">Talk to people who are doing the kind of work you think you’d enjoy. Find out what they love – and don’t love – about their work, what a typical day is like, and what they would have done differently if they had to do it all over again. </li>
<li>
<p style="margin-bottom: 9pt">Read &quot;how to&quot; books. It may not give you the total picture, but at least you’ll know more than you did. </li>
<li>
<p style="margin-bottom: 9pt">Search for &quot;how to&quot; Web sites. As with reading books, it is not the same as test driving a business idea, more like sticking a toe into the information pool. </li>
<li>
<p style="margin-bottom: 9pt">Work for someone else in a similar business. Depending on the business, you may be asked to sign a non-compete clause. Then again, if your goal is to start a specialized summer camp, the smartest way to see if you’d like running a camp is to first work at one. </li>
<li>
<p style="margin-bottom: 9pt">Take classes. Check with your local adult education program, do a search for schools specializing in your area of interest, or seek out online courses. You never know what’s out there until you look. For example, The Institute of Culinary Education in New York City offers courses in how to write a proposal for a cookbook, breaking into food writing, and how to be a food stylist/ photographer (<a target="_blank" href="http://www.iceculinary.com/professional/index.shtml">ICECulinary.com</a>).</li>
<li>
<p style="margin-bottom: 9pt">Join an industry association. In addition to getting their publications, most associations offer conferences, seminars, and other opportunities to learn from and connect with people in your prospective line of work. </li>
<li>
<p style="margin-bottom: 9pt">Hang out with people who are already doing what you think you’d like to do. If you’ve got an inventive mind but have never acted on it join a group like the Inventors Network in Minneapolis (<a target="_blank" href="http://www.inventorsnetwork.org/">InventorsNetwork.org</a>), Washington, DC (<a target="_blank" href="http://dcinventors.org/">DCInventors.org</a>), or Springfield, MA (<a target="_blank" href="http://www.irnetwork.org/">IRNetwork.org</a>). You’ll find a list of networks by state at <a style="text-decoration: underline" href="http://www.inventnet.com/invorg.html">InventNet.com</a>. </li>
<li>
<p style="margin-bottom: 9pt">Find a mentor. Some people will mentor you for free. However, depending on how much time and training you need, you should expect to pay your mentor. If that person is successful in the business you’re considering, it will be well worth the investment. </li>
<li>
<p style="margin-bottom: 9pt">Volunteer, intern or apprentice. I had the opportunity to chat with Steve Curwood, host of <a style="text-decoration: underline" href="http://www.loe.org/about/steve.htm">Living on Earth</a>, an engaging environmental news and information program heard on over 300 National Public Radio stations. Naturally the first thing I did was pump him for information on how someone would go about getting their own program on public radio. Before trying to pitch an idea, Steve urged anyone interested in being on the air to first volunteer at their local station so they can learn first-hand how public radio works. </li>
<li>
<p style="margin-bottom: 9pt">Take on a few clients or assignments for free. In addition to gaining experience, building confidence, and developing a portfolio or track record it’s a great way to see how you like the work before making a larger investment of time and money. </li>
<li>
<p margin-bottom: 9px">Start small. Everyone wants to go from nothing to having their own full blown business in a day. Not only is it not possible but you’d miss invaluable lessons. But perhaps most importantly, starting small once again allows you an opportunity to dabble in a new enterprise before deciding if it’s right for you. Small steps add up. Changing Course began when I sent away for a cassette tape on how to break into the newsletter business. That was over 10 years ago. Today I have over 22,000 subscribers. The key is to just begin. </li>
</ul>
<p>Do you have a great idea for a business? There are lots of ways to test the waters before you dive in head first. Ralph Waldo Emerson once said, &quot;<span style="TEXT-DECORATION: none">Don&#8217;t be too timid and squeamish about your actions. All life is an experiment. The more experiments you make the better.</span>&quot;</p>
<h3><small>Tags</small></h3><p class="mytag"><small>
<a href="http://www.changingcourse.com/blog/category/changing-course-newsletter" rel="tag">Changing Course Newsletter</a>, 
<a href="http://www.changingcourse.com/blog/category/vals-comments" rel="tag">Val's Comments</a>
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		<title>Business Success Bootcamp for Fitness Enthusiasts</title>
		<link>http://www.changingcourse.com/blog/2008/08/business-success-bootcamp-for-fitness-enthusiasts/</link>
		<comments>http://www.changingcourse.com/blog/2008/08/business-success-bootcamp-for-fitness-enthusiasts/#comments</comments>
		<pubDate>Fri, 08 Aug 2008 12:49:12 +0000</pubDate>
		<dc:creator>Changing Course</dc:creator>
		
		<category><![CDATA[Changing Course Newsletter]]></category>

		<category><![CDATA[Recommended Resources]]></category>

		<category><![CDATA[Fitness Training]]></category>

		<category><![CDATA[How to Be a Personal Trainer]]></category>

		<category><![CDATA[make money with fitness training]]></category>

		<category><![CDATA[Ryan Lee]]></category>

		<guid isPermaLink="false">http://www.changingcourse.com/blog/?p=44</guid>
		<description><![CDATA[Are you (or is someone you know) a personal trainer, fitness instructor, conditioning coach, or other independent fitness professional… or want to be? Are you passionate about being healthy and fit and helping other people do the same? Do you want to stop working twelve hour days and still grow your business by an extra [...]]]></description>
			<content:encoded><![CDATA[<p>Are you (or is someone you know) a personal trainer, fitness instructor, conditioning coach, or other independent fitness professional… or want to be? Are you passionate about being healthy and fit and helping other people do the same? Do you want to stop working twelve hour days and still grow your business by an extra $4000-$5000 a month?<img border="0" src="http://changingcourse.com/archives/images/MPj04387420000[1].jpg" width="200" height="150" align="right" alt="Turn Your Enthusiasm for Fitness into an Income Stream"></p>
<p>Then I encourage you to seriously consider grabbing a seat at fitness entrepreneur Ryan Lee’s third Personal Trainer Business Success Bootcamp happening this September in Connecticut (Fair warning: his first two Bootcamps sold out fast). The theme of this year’s mega-event is Work Less Make More.</p>
<p>It would be impossible to share all the rave reviews from past attendees but here are a few standouts to give you a feel for what it&#8217;s all about…&nbsp;</p>
<p><i><font face="Times New Roman">“[The workshop was] awesome, fantastic, fabulous, fun, informative, high energy, non-stop excitement. I will be back. Thanks Ryan, I am amazed and awed.”<br />
</font></i>~ Susan Ripley, Fit for Teens</p>
<p><i><font face="Times New Roman">“I can surely double or triple my income in the next year. I can’t wait to get back to London and start kicking a_ _!”</font></i> ~ Gavin Walsh</p>
<p><i><font face="Times New Roman">“As a newcomer to this industry, I learned more valuable and immediately useful information in 3 days than I learned in 12 years of attending events in my previous industry!”</font></i> ~ Lindee Goodall</p>
<p><i><font face="Times New Roman">“Ryan Lee’s Bootcamp is the single best fitness event of the year. The quality of successful independent fitness professionals is on post above all the best. If you have any aspirations of running your own successful business in fitness, you must attend this event.”</font></i> ~ Jason White, Strength Radio</p>
<p>Ryan is bringing together a world-class group of speakers on a wide range of income-generating and time-saving topics including…</p>
<ul>
<li>
<p style="margin-bottom: 6px">How to earn an extra $100.00 a day with your own fitness blog</li>
<li>
<p margin-bottom: 6px">How to go from being a local fitness professional to an international fitness celebrity (gotta love those big dreams!)</li>
<li>
<p style="margin-bottom: 6px">Secrets of $75,000 per year part-time trainers: How to transition away from traditional one-on-one training</li>
<li>
<p>How to put your entire fitness business on autopilot (I happen to know this speaker and he absolutely knows his stuff)</li>
</ul>
<p>Ryan has helped over 17,525 fitness professionals to dramatically increase their income. In addition to knowing Ryan personally (you will LOVE him), I’m also in a “mastermind” group with one of Ryan’s star students – a really great guy named Craig Ballantyne out of Canada who is rapidly closing in on a seven figure income. (And speaking of rapids, I’ll be white water rafting, rock climbing, and mountain biking with Craig and a buch of other entrepreneurs next week in Aspen – I’ll be the one returning in a cast! But I digress…)</p>
<p>When you read about the speakers and all of what will be covered I am confident you will be as impressed as I was. But what I KNOW will blow you away is the price. Ryan has made this event affordable and accessible to just about anyone.</p>
<p>To learn more about this impressive business- and income-growing training event for fitness professionals at all stages of their careers, go to <a href="http://www.changingcourse.com/recommends/fitnesstraining">ChangingCourse.com/recommends/fitnesstraining</a> <br />
&nbsp;</p>
<h3><small>Tags</small></h3><p class="mytag"><small>
<a href="http://www.changingcourse.com/blog/category/changing-course-newsletter" rel="tag">Changing Course Newsletter</a>, 
<a href="http://www.changingcourse.com/blog/category/recommended-resources" rel="tag">Recommended Resources</a>
</small></p>
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		<title>Be a Part of Valerie&#8217;s New Book</title>
		<link>http://www.changingcourse.com/blog/2008/08/impostor-book-2/</link>
		<comments>http://www.changingcourse.com/blog/2008/08/impostor-book-2/#comments</comments>
		<pubDate>Fri, 08 Aug 2008 12:31:58 +0000</pubDate>
		<dc:creator>Changing Course</dc:creator>
		
		<category><![CDATA[Changing Course Newsletter]]></category>

		<category><![CDATA[Impostor Syndrome]]></category>

		<category><![CDATA[defining success]]></category>

		<category><![CDATA[Dr. Valerie Young]]></category>

		<guid isPermaLink="false">http://www.changingcourse.com/blog/?p=43</guid>
		<description><![CDATA[Do you secretly worry that others will find out you’re not as intelligent and competent as they seem to think you are? Do you often dismiss your accomplishments as a “fluke” or “no big deal?” Do you sometimes shy away from or obsess about taking on greater challenges because of nagging self-doubt? Are you crushed [...]]]></description>
			<content:encoded><![CDATA[<p>Do you secretly worry that others will find out you’re not as intelligent and competent as they seem to think you are? Do you often dismiss your accomplishments as a “fluke” or “no big deal?” Do you sometimes shy away from or obsess about taking on greater challenges because of nagging self-doubt? Are you crushed by even constructive criticism, taking it as evidence of your ineptness? Are you waiting to be exposed as an impostor, fake, or fraud?</p>
<p>If so, join the club!</p>
<p>It’s estimated that 70 percent of people have experienced these feelings of intellectual fraudulence which are especially common among first generation professionals, creative types (Mike Myers says he’s always waiting for the “no talent police” to show up at his door), students, and others. Fearing that we have somehow managed to fool others “impostors” live in fear that sooner or later we are going to be “found out.”</p>
<p>In March I signed a *big* book deal with Crown Publishing Group to write a self-help book on the so-called Impostor Syndrome. And I am committed to including as many voices and experiences as I can. Simply said, I need your help. </p>
<p>For the next few months I’ll be posing a different question designed to help me better understand how impostor feelings manifest in the lives of my readers. I hope you will take a moment to share your thoughts, stories, fears, and solutions with me so that I may in turn, help more people to feel as smart and competent as they truly are.</p>
<h2>Question of the Week </h2>
<p><strong>The theme this week is “success.” What does success mean to you… or in other words, how do you define success? Do you see success as being the same or different from “achievement” or “ambition” and if so, why and how?</strong></p>
<p>Please include as much information as you feel comfortable sharing – first name, current occupation, age, race, state/province/country. Share as much or as little as you like. No matter what you share, I think just reading other people&#8217;s stories will be enlightening to all.</p>
<p>Thank you in advance for your input and support. I couldn’t do this without you! </p>
<p>Valerie Young<br />
Recovering Impostor<br />
<a target="_blank" href="http://ImpostorSyndrome.com">ImpostorSyndrome.com</a></p>
<h3><small>Tags</small></h3><p class="mytag"><small>
<a href="http://www.changingcourse.com/blog/category/changing-course-newsletter" rel="tag">Changing Course Newsletter</a>, 
<a href="http://www.changingcourse.com/blog/category/impostor-syndrome" rel="tag">Impostor Syndrome</a>
</small></p>
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		<item>
		<title>Turning Problems Into Opportunities</title>
		<link>http://www.changingcourse.com/blog/2008/07/turning-problems-into-opportunities/</link>
		<comments>http://www.changingcourse.com/blog/2008/07/turning-problems-into-opportunities/#comments</comments>
		<pubDate>Thu, 24 Jul 2008 12:45:14 +0000</pubDate>
		<dc:creator>Changing Course</dc:creator>
		
		<category><![CDATA[Changing Course Newsletter]]></category>

		<category><![CDATA[Val's Comments]]></category>

		<category><![CDATA[Deb Cohen]]></category>

		<category><![CDATA[entrepreneur]]></category>

		<category><![CDATA[Homeowner Referral Network]]></category>

		<category><![CDATA[HRN]]></category>

		<category><![CDATA[iVillage]]></category>

		<category><![CDATA[The Complete Guide to Owning and Operating a Successful]]></category>

		<guid isPermaLink="false">http://www.changingcourse.com/blog/?p=42</guid>
		<description><![CDATA[      
&#160;



 			 						



 						Valerie and her rescue dog,&#34;Cokie Roberts&#34;


By Valerie Young
This article originally appeared in Issue 189 of the Changing Course Newsletter.
&#34;In the middle of difficulty,&#34; observed Albert Einstein, &#34;lies opportunity.&#34; Some of the best opportunities often originate from problems &#8211; either yours or someone else&#8217;s. For example, like [...]]]></description>
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<p align="center" ><font face="Verdana"> 						<span style="font-size: 8pt">Valerie and her rescue dog,<br />&quot;Cokie Roberts&quot;</span></font></td>
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<p><b>By Valerie Young</b></p>
<p><i>This article originally appeared in <a target="_blank" href="http://changingcourse.com/archives/issue189.html"><strong><font color="#800080">Issue 189</font></strong></a> of the <a target="_blank" href="http://changingcourse.com/ezine.htm"><strong><font color="#800080">Changing Course Newsletter</font></strong></a>.</i></p>
<p>&quot;In the middle of difficulty,&quot; observed Albert Einstein, &quot;lies opportunity.&quot; Some of the best opportunities often originate from problems &#8211; either yours or someone else&#8217;s. For example, like a lot of parents, Deb Cohen&#8217;s problem was that after her first child was born she wanted to find a way to be a stay-at-home Mom. </p>
<p>Around that same time, Deb became aware of a real problem for most homeowners &#8211; namely, finding someone reputable to do home repairs or improvements. By putting these two problems together, she came up with the perfect solution for both her problem and that of her neighbors.</p>
<p>Since 1997 Deb has been owner of a highly successful company called Home Remedies of NY, Inc. (HRN), an organized referral company that matches homeowners with skilled, pre-screened independent home-repair workers.</p>
<p> HRN offers homeowners referrals to reputable home improvement contractors free of charge; the contractors represented in the network pay a commission to HRN for any work secured. If you&#8217;ve seen any of NBC&#8217;s Dateline segments on unscrupulous home repair men (I would say home repair &quot;people&quot; but I&#8217;ve never seen a segment that featured a woman) then you can imagine what a relief it would be to homeowners to be able to easily find trustworthy and competent contractors. </p>
<p>In fact, a few years back I remember picking up a brochure at my local hardware store about a service that sounded a lot like this one. I only wish I&#8217;d looked into it before I hired the fly-by-night guy who replaced my roof last summer. What a NIGHTMARE!</p>
<p>I first learned about Deb when the Work from Home channel at iVillage.com featured her as their &quot;Mompreneur of the Month.&quot; I was very pleasantly surprised to learn that Deb&#8217;s business has become so successful that she has expanded to offer others the chance to launch a Homeowner Referral Network in their community. I felt instantly reassured when I read that, to date, there are more than 400 Homeowner Referral Networks operating in the U.S., Canada and abroad. </p>
<p>What&#8217;s nice, too, is that aspiring entrepreneurs can choose from a range of business start-up kits at different price points. The kits offer step-by-step procedures on how to start a network in your area and include contractor commission structures, liability information, a complete direct mail and advertising campaign, and how to locate, screen and represent a comprehensive network of home improvement contractors.</p>
<p>All kits include <i>The Complete Guide to Owning and Operating a Successful Homeowner Referral Network</i> and unlimited leads from the <a target="_blank" href="http://www.ChangingCourse.com/recommends/hrn">HRN Web site</a>. Kits range in cost from $1,995 &#8211; $6,495 with the higher priced kits including options ranging from business forms to individual phone consultations with Deb to a turnkey website and an online marketing tool designed for HRN owners to stay in touch with their clients.</p>
<p>This also seems like a good opportunity for someone who wants to start their own home repair/improvement business because HRN takes care of all of the marketing and you are instantly affiliated with a company that is known for referring only quality professionals. If you&#8217;ve had a good experience with a home repair person, HRN is actively seeking referrals from satisfied homeowners. </p>
<p> Deb’s business is just one of an infinite number of ways to turn a problem, complaint or threat into a money-making business opportunity. For example, when the news was filled with horror stories of tainted pet food from China, enterprising people leapt on the opportunity to make and sell organic pet food. </p>
<p> The key to being a successful entrepreneur is to become adept at being what I call an “Opportunity Analyst.” The easiest place to begin is to consciously stay on the lookout for examples of problems, complaints or threats and see if you can come up with interesting income-generating ways that you – or someone – could solve them. Look around you. What kinds of things do you, your co-workers, friends or family complain about? Study news sources. Drive through your local neighborhoods or commercial areas. </p>
<p>If you would like to learn more about this interesting business, visit Deb online at <a target="_blank" href="http://ChangingCourse.com/recommends/hrn">ChangingCourse.com/recommends/hrn</a> and you can read Deb&#8217;s <i>Top 10 Misconceptions About the HRN Business </i>at <a target="_blank" href="http://ChangingCourse.com/hrntopten.htm">ChangingCourse.com/hrntopten.htm</a> </p>
<p>Trust me – there are plenty of problems out there for an enterprising person to turn into a great small business opportunity! If you’d like a little help developing your “opportunity muscles,” join me for my monthly Teleclass, “Turning Interests into Income Opportunity Hour.” Learn more at <a target="_blank" href="http://ChangingCourse.com/courses.htm">ChangingCourse.com/courses.htm</a></p>
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<a href="http://www.changingcourse.com/blog/category/changing-course-newsletter" rel="tag">Changing Course Newsletter</a>, 
<a href="http://www.changingcourse.com/blog/category/vals-comments" rel="tag">Val's Comments</a>
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