As Robert Schuller says, "Fail to plan; plan to fail." Sometimes we forget to think ahead, and so we suffer the consequences of our lack of preparation. Two weeks ago, the weather in Albuquerque was so nice, many of us forgot to plan for the weather to change. We thought fall would just become spring and then summer and we forgot that winter comes in there too. Then suddenly there were a flood of panic calls to the gas company to come turn on the heat! "What? I have to wait how long? Oh no— I've blown it again." We find that life is a great teacher. It is helpful and saves much pain and discomfort to plan ahead. In business and in life it is important to have a plan. Goals give meaning and direction to our life and save us needless wear and tear.