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Casual Articles - Taking The Helm: A Dinghy Sailor's View Of Business Startup
Using Discussion Groups in Your Job Search elmsman and crewDiscussion Groups Job Search ResourcesOnline discussion groups are email-based, subject-specific forums. People subscribe to groups that discuss issues that are relevant to them personally or professionally. Discussion Groups provide a quick, easy, and convenient way to share and receive information in a variety of specialty areas. Mailing lists cover a broad variety of topics and fields. Many carry job postings, and they are a good resource for networking contacts, industry trends, and other developments. Anyone involved in a job search can benefit from participating in newsletters and forums.All groups have a list manager who controls the subscriber list, and some groups have a moderator that controls the flow and direction of topics within the group. Once you join a discussion group, you can pose questions and participate in an online dialog with other members. Your question(s) will automatically be distributed via e-mail to all others who have registered to participate in the group. Any responses will be automatically sent to you via email. In addition, you will receive, via email, questions and answers submitted by others.All discussion lists provide some basic instruction about how to join. Interested parties send an email to the list administrator requesting to be added to the list. The list administrator then adds you to the group and sends you a confirmation mailing with information about how to post messages to the list, and information about unsubscribing.Lists and forums usually do not have posting requirements and you can participate without contributing to the discussions. If you don't want to subscribe to mailing The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and Why Choose a Courier Delivery Messenger Service? IntroductionWhen you are in need of getting information or a package somewhere fast then you can rely on a courier delivery messenger service to get your items there in a hurry. You can rely on most of these courier delivery messenger services to get your items there when you need them to be. You will need to do some research on the service that you choose for all your important documents.You should take your time and find the right place to deal with when it comes to a courier delivery messenger service. It is going to be a good idea to find one that has been in business for a long time. You need to find people that have dealt with these companies and can give you feedback about their service so that you can have a good idea of what you can expect.You will want to deal with a courier delivery messenger service that has caring and understanding people to work with. You will have to be able to trust the employees and their services that they offer for you. You should also make sure that they understand that your business is very important and you have to have all deliveries made on time.Many of the courier delivery messenger services have new technology that will help make the deliveries faster and more secure. They will have pagers and phones to make sure that you can reach them at all times when you will need to have their services performed. Another good thing to make sure is that you can access your courier delivery messenger service twenty-four hours a day and three hundred sixty five days a year.Having the right courier delivery messenger service for you will also mean that you will have an impressive company to do the work for you. They should be dressed Sailing involves passion! You have to be impelled to do it. It is not even like riding a bicycle, which may be fun but will also enable you to get from A to B. Dinghy sailing is not a practical pursuit. You will only do it if you really love it. Just like starting a business. Dinghy sailing may not immediately seem to have lessons for starting a business. However, my experience with both convinces me that it offers some valuable learning for entrepreneurs. Read why I think this is so. Watching the wind Before you go for a day's sailing in a dinghy, there is a lot to be prepared. It may look like the sailor is fiddling around, looking at the sky, scanning the horizon and seeming to hesitate before getting launched. He is probably going back and forth to the clubhouse, clutching bits and bobs, as well as looking around at pennants fluttering in the breeze, or burgees swivelling at mast heads. He may change his clothes and life jacket. All this has a purpose. Before leaving the shore, he needs to assure himself about the weather conditions, the wind direction and force. It is almost as though he has a checklist in mind. Watching the wind: business startup version It is not possible to decide to set up in business without making a careful assessment of the opportunity, the product, and your capacity to meet an identified need. But there is no point in taking the trouble to prepare a business plan if you are not passionate about what you are doing. Even so, you may have to test some things out and a false start is not beyond question. You will focus on success, and you will know what you are doing. You will surely have identified the downside risks. Just like the sailor who needs to decide if he has the skill to sail in the prevailing wind conditions and how he is going to get back to shore, you will want to consider how you will cope if things don not work out as planned. Above all, you will need a deep sense of purpose. Now is the time to feel what it is like to be in business—your business. Right here, on dry land before you launch your startup. Rigging the boat There is the jib to rig, the mainsail to raise, the kicking strap to adjust, the tiller to slot in and the rudder to fix. Are the halyards taught? Is the Cunningham cleated, the outhaul stretched and the clew tied down in a reef knot? Is there a figure of eight knot at the inboard end of the main sheet? This all takes time. The sailor may have announced that he was only going to sail for a couple of hours and since arriving at the club he has already been preparing to set sail for half an hour or more. Rigging the boat: business startup version What business model will you use? You will want to be clear about the value that your customers will get from your products and the most effective way to deliver them. No doubt you will know what resources and equipment you will need to set up shop. What business structure is right for you? Are you going to be a sole proprietor or do you need to incorporate? If the latter, which is right form for your business? You will be deciding how to get sales and orders filled. The business plan is great, but it is only a plan. Now you have to put all the pieces in place. It is more than walking down Main Street with a bag of samples on your arm. You cannot do any of this unless you have already cleared the decks for action. Setting sail and leaving the shore The sailor is finally ready. The boat needs to be pointing into the wind with the sails flapping freely so that it does not suddenly take off before the he is ready. He is probably by now knee-deep in the water and and jostling the hull. If he is setting off from the jetty, the method will be different and he may prefer to have the painter held by someone onshore till he has pushed off. Of course, he will have to determine how he is going to leave the shore, depending upon the wind direction. Then he sets off in a frenzy of activity, with eyes everywhere: sails, rudder, centreboard, other boats... Setting sail and leaving the shore: business startup version For the business startup, setting sail is getting the first sale! Now that you have achieved your first bit of revenue, you will also probably get some customer feedback. This is vital information; what is good about the product; how is the price; what does it lack? Just like the sailor who gets feedback from the boat's reaction to the wind. He can adjust the trim and sail more sweetly. At this early stage the startup entrepreneur's attention needs to be unwavering. This is the point where economy is vital. Keep cash in the business by avoiding spending too lavishly and making sure that invoices are settled on time. You will need to make many early adjustments to the business. Reality will be very different to the plan. That is OK and only to be expected. Keep your focus, but be prepared to change the forecast, seek more funding, delay hiring—taking the actions necessary to stay afloat. Positioning the helmsman and crew The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and Resume Writing Tips usiness without making a careful assessment of the opportunity, the product, and your capacity to meet an identified need. But there is no point in taking the trouble to prepare a business plan if you are not passionate about what you are doing. Even so, you may have to test some things out and a false start is not beyond question.Resume Writing doesn’t have to be a solo gigResume writing can be the bottleneck to advancements in your career. If you find yourself getting writer’s block consider getting help. You can find experts who have written hundreds of resumes; they can help you, too. A good first place to look for help is online job search sites such as career builder or monster.com.Get help writing resumes that will get you hiredThere you’ll find a number of expert writers who can provide you critiques as well as do-overs for resumes. There are some services that specialize in niche markets for executive resumes. You can also find help distributing resumes.Even if you’re a professional writer, you’ll recognize that these people know their stuff. They’ll help build resumes into effective marketing brochures that people can use to interviews. People often put too much or too little information in their resumes. They may not have the distance to critique their own resumes to decide what should stay in and what should be taken out.Online job search sites have a number of sources that you can use for your career search. Getting help writing resumes is just one of them. You can also pick up interview tips, learn about career fairs, and get the low down on continuing education. Not only can you learn how to improve your interview skills, you can also learn more about hot careers.Resume writing tips for the InternetYou need resume writing tips for the Internet because not all resumes are created equally. Sometimes employers will want their resumes in ASCII format only. That means you produce something in Notepad, not Word. You can write your resume in Word but then You will focus on success, and you will know what you are doing. You will surely have identified the downside risks. Just like the sailor who needs to decide if he has the skill to sail in the prevailing wind conditions and how he is going to get back to shore, you will want to consider how you will cope if things don not work out as planned. Above all, you will need a deep sense of purpose. Now is the time to feel what it is like to be in business—your business. Right here, on dry land before you launch your startup. Rigging the boat There is the jib to rig, the mainsail to raise, the kicking strap to adjust, the tiller to slot in and the rudder to fix. Are the halyards taught? Is the Cunningham cleated, the outhaul stretched and the clew tied down in a reef knot? Is there a figure of eight knot at the inboard end of the main sheet? This all takes time. The sailor may have announced that he was only going to sail for a couple of hours and since arriving at the club he has already been preparing to set sail for half an hour or more. Rigging the boat: business startup version What business model will you use? You will want to be clear about the value that your customers will get from your products and the most effective way to deliver them. No doubt you will know what resources and equipment you will need to set up shop. What business structure is right for you? Are you going to be a sole proprietor or do you need to incorporate? If the latter, which is right form for your business? You will be deciding how to get sales and orders filled. The business plan is great, but it is only a plan. Now you have to put all the pieces in place. It is more than walking down Main Street with a bag of samples on your arm. You cannot do any of this unless you have already cleared the decks for action. Setting sail and leaving the shore The sailor is finally ready. The boat needs to be pointing into the wind with the sails flapping freely so that it does not suddenly take off before the he is ready. He is probably by now knee-deep in the water and and jostling the hull. If he is setting off from the jetty, the method will be different and he may prefer to have the painter held by someone onshore till he has pushed off. Of course, he will have to determine how he is going to leave the shore, depending upon the wind direction. Then he sets off in a frenzy of activity, with eyes everywhere: sails, rudder, centreboard, other boats... Setting sail and leaving the shore: business startup version For the business startup, setting sail is getting the first sale! Now that you have achieved your first bit of revenue, you will also probably get some customer feedback. This is vital information; what is good about the product; how is the price; what does it lack? Just like the sailor who gets feedback from the boat's reaction to the wind. He can adjust the trim and sail more sweetly. At this early stage the startup entrepreneur's attention needs to be unwavering. This is the point where economy is vital. Keep cash in the business by avoiding spending too lavishly and making sure that invoices are settled on time. You will need to make many early adjustments to the business. Reality will be very different to the plan. That is OK and only to be expected. Keep your focus, but be prepared to change the forecast, seek more funding, delay hiring—taking the actions necessary to stay afloat. Positioning the helmsman and crew The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and Make Money On Wall Street And Main Street couple of hours and since arriving at the club he has already been preparing to set sail for half an hour or more.An Adventurous way of making money in the bank is through the purchasing of money making funds - stocks, bonds, and mutual funds (Mutual Funds are technically known as the open end investment company.)Each Investment Company must state its objective whether it be to preserve principle so its purchasing power keeps up or beats inflation. The investment company might have as its objective to speculate in new companies with great upside potential for growth, while others invest in blue chip common stocks and high grade government bonds. Whatever their objective is it must have its mission statement expressed and the company can not later change its mission in its mutual fund.Open End Investment Companies and Closed End Investment Companies are the two types of investment companies. With Open End Investment Companies or Mutual Funds, the shares of their fund are available for sale or purchase at all times and the price is usually valued after the close of the market each day. Closed End Investment Companies sell their shares over the counter and the purchase price is based strictly on the principle of supply and demand. Open End Investment Companies are much more prevalent and you can buy mutual funds at all types of Financial Institutions.Mutual funds have a mark up since it costs the company money to get shares sold. This surcharge is known as a loading charge. Some funds have no loading charges. With the funds that do add loading charges, some you pay at the beginning and they are known as front end funds, and with other you pay when you sell and they are known as back-end funds.There are three major ways of buying mutual funds. With the regular account you Rigging the boat: business startup version What business model will you use? You will want to be clear about the value that your customers will get from your products and the most effective way to deliver them. No doubt you will know what resources and equipment you will need to set up shop. What business structure is right for you? Are you going to be a sole proprietor or do you need to incorporate? If the latter, which is right form for your business? You will be deciding how to get sales and orders filled. The business plan is great, but it is only a plan. Now you have to put all the pieces in place. It is more than walking down Main Street with a bag of samples on your arm. You cannot do any of this unless you have already cleared the decks for action. Setting sail and leaving the shore The sailor is finally ready. The boat needs to be pointing into the wind with the sails flapping freely so that it does not suddenly take off before the he is ready. He is probably by now knee-deep in the water and and jostling the hull. If he is setting off from the jetty, the method will be different and he may prefer to have the painter held by someone onshore till he has pushed off. Of course, he will have to determine how he is going to leave the shore, depending upon the wind direction. Then he sets off in a frenzy of activity, with eyes everywhere: sails, rudder, centreboard, other boats... Setting sail and leaving the shore: business startup version For the business startup, setting sail is getting the first sale! Now that you have achieved your first bit of revenue, you will also probably get some customer feedback. This is vital information; what is good about the product; how is the price; what does it lack? Just like the sailor who gets feedback from the boat's reaction to the wind. He can adjust the trim and sail more sweetly. At this early stage the startup entrepreneur's attention needs to be unwavering. This is the point where economy is vital. Keep cash in the business by avoiding spending too lavishly and making sure that invoices are settled on time. You will need to make many early adjustments to the business. Reality will be very different to the plan. That is OK and only to be expected. Keep your focus, but be prepared to change the forecast, seek more funding, delay hiring—taking the actions necessary to stay afloat. Positioning the helmsman and crew The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and Don't Become Stale in Your Job, Move On he painter held by someone onshore till he has pushed off. Of course, he will have to determine how he is going to leave the shore, depending upon the wind direction. Then he sets off in a frenzy of activity, with eyes everywhere: sails, rudder, centreboard, other boats...A common trap that employees fall into is sometimes staying with a company for too long. Especially if you are doing a specialised job that may be quite particular to that company.As time goes on you become more and more valuable to your employer and they will likely pay you accordingly, however and here is the trap, from this you are becoming less valuable to other employers as your skill set becomes more and more centered towards the company you are working for.If you recognize this as being a problem for you, you really need to get out now, quickly before it is to late. What is going to happen if you wait for another 5 years? Well you will be paid a lot more money, however it is possible that if you were to apply for another job at a different company the value to them would be conceivably less. Meaning that you would need to do the dreaded backwards step.One way to avoid this problem and continue to work for your present employer is by making sure that you keep your industry skill set up to date and relevant. From an IT perspective this means improving your skills as much as you can in technologies that are widely used.These are the signs that it is time to get a move on as things are becoming a little stale..The new things you are learning are only applicable to the company you are working for.You look at jobs advertised and realise the only ones you could apply for would pay you less than you earn now, as your skills are not easily transferrable.Boredom has set in with your job, and you see no way forward or position you would like to aim for.You are the one that has been there for 10 years and everyone else l Setting sail and leaving the shore: business startup version For the business startup, setting sail is getting the first sale! Now that you have achieved your first bit of revenue, you will also probably get some customer feedback. This is vital information; what is good about the product; how is the price; what does it lack? Just like the sailor who gets feedback from the boat's reaction to the wind. He can adjust the trim and sail more sweetly. At this early stage the startup entrepreneur's attention needs to be unwavering. This is the point where economy is vital. Keep cash in the business by avoiding spending too lavishly and making sure that invoices are settled on time. You will need to make many early adjustments to the business. Reality will be very different to the plan. That is OK and only to be expected. Keep your focus, but be prepared to change the forecast, seek more funding, delay hiring—taking the actions necessary to stay afloat. Positioning the helmsman and crew The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and Business Intelligence in Healthcare elmsman and crewThe main goal of each Healthcare Institution in a highly controlled & competitive environment, is to reduce operating costs while maintaining a consistently acceptable level of patient treatment. Reduce operating costs at all levels:Cost of healthcare Professionals Cost of lab equipment & consumablesCost of pharmaceuticals / medical material Cost of a treatment per Diagnosis related grouping (DRG)Cost per type of medical intervention (e.g. specific medical operation)On the other hand, an acceptable level of patient treatment involves: Evidence based medicine, accurate diagnosis and efficient treatmentOn time admittance in the Hospital and healthcare treatment Treatment with respect for the Patient- analysis of optionsReduction of risks during treatment (e.g. related to the use of medicine, biomedical equipment, blood transfusions) Capture of medical history of the patient in order to support evidence based medicineMoreover, goals of each Healthcare Institution are: Reduction of medical errors and exposure of the patient to medical hazards (e.g. inappropriate levels of radiation)Support medical research with patient & treatment dataParticipate and support a larger Healthcare system, with the exchange of medical information on a patient, as well as statistics on population morbidity & mortality.In Private Healthcare, the excellent Patient service is critical to Customer retention & loyalty and business growth. In order to achieve these goals, each modern Healthcare system aims to enhance its Organisational capability w The helmsman always sits on the windward side of the boat. The crew sits towards the bow and has the job of trimming the jib and counterbalancing the helmsman. The two must work together, both reacting to shifts in the wind, especially gusts, and the set of the sails. Both also pay attention to the boat's trim by adjusting their positions fore and aft, as well as pulling in or letting out the sails. The purpose of all this is to improve the boat's performance, sailing more comfortably and faster. It is the helmsman who directs and he uses the tiller to steer an effective course, combined with the set of the sail and the position of the crew. Positioning the helmsman and crew: business startup version Now that you are actually in business (sailing) and the planning stage is over, you need to start thinking about growing the business and expanding your horizons. It is more than just staying afloat. The advantage of a small boat or a small business is that you can tweak things easily, but you need to be aware that the business climate can change abruptly, just like the winds on the water. Your pre-launch expectations will prove to have been wide of the mark. You will find you have probably too many resources in one area and not enough in another. Products that fared well in tests may flop in the market or the prices that looked right on paper will not wash with customers. When you launch and for a while you will be keeping your hands firmly on the tiller, but soon it will be important to let your crew take a hand on it. They watch you for a while and then you need to get out of the way and let them feel what it’s like to take the helm. You are not handing over control, for you remain the skipper, but they get to share responsibility and learn the ropes. Points of sailing Reaching involves the wind blowing at right angles to the boat from behind the helmsman's back and is generally a good steady state. The secret of it is to keep the sail trimmed to sail a straight course. A dinghy cannot go straight into the wind, so you use beating, with the sails forming a kind of wedge to the wind at about a 45? angle to the wind to propel the boat forward—tacking from one side to the other. Going about can be hazardous because the boat has to have good speed to effect the change of direction. There is a dead point when facing directly into the wind, where you can lose momentum and direction, making the boat is unstable. When the bow has swung around, both helmsman and crew have to change sides, readjust the sails and their balance to pick up speed again in the new direction. Running is sailing with the wind directly behind you and the mainsail fully out to one side or the other. You pull up the centreboard and for me, this is the scariest, though often the fastest kind of sailing. The boat becomes very skittish. It is very exciting, but it is at these moments that you risk uncontrolled gybing - i.e., when the sail flips over from one side to the other and the boom travels almost 180?. Even a controlled gybe I find hard. You are traveling fast and need to pull in the mainsheet quickly to avoid the boom hitting you on the head. Points of sailing: business startup version Of course, the business will not be plain sailing, either. Marketing campaigns will not only change according to available budget, but the focus and type of promotional activity will need to be adapted. If you are picking up speed, you should not assume that sales volume will get rid of all your problems. Chances are that hikes in sales will require more finance in the short term, rather than less. Bear in mind that if revenue is, say, $50,000 a month, for example, with an average settlement of 45 days you will need cash of $75K in the business, just to cover those sales. If settlement stretches to 60 days because you are so busy chasing other things, you will need $100K. If your sales double at the same time, so will the cash need—to $200,000. Seasonality or the business cycle may mean sometimes sailing as near to the wind as possible, cutting variable costs and maintaining fixed costs at a minimum. In periods of rapid expansion, you may need more hands on deck. It could be wise to subcontract rather than adding to the permanent payroll that could sink you when things slack off. Dealing with surprise—the capsize Everyone capsizes. If you don not, you not really trying. You get wet and you may panic, and even with your life jacket on you will be flapping around in the water with lots of decisions to make. The water is cold and you will tire quickly. Experienced sailors do not have to think about capsizing, but the nervous newbie tends to develop mental pictures of flipping over. This is a mistake. A positive image of successful sailing will most likely have you returning to shore exhilarated and dry. The inner game plan will have a strong effect on the real outcome. If you picture capsize, that is what you will surely get. I know this from experience. It is most important to stay with the boat, not attempt to swim ashore. You will have some uncomfortable actions to get the boat upright and to scramble back aboard. You may scrape your limbs and find that your ropes are in a tangle. Dealing with surprise—the capsize: business startup version Small business survival rates are notoriously low. Most startups fail and some capsize very quickly. Even good ones can keel over, which is why it is wise to consider downside risks and have back-up plans. What if the sales do not come in as quickly as hoped, what if it takes longer than expected to get into full production? Having a fall-back position is not to be pessimistic. It is rather to be prudent. There are very few startups whose business plans work out to the letter. That is why, when you are learning to sail, it pays to stay near the shore, where getting help is easier than in open water. If you grow too fast, you may get out of your depth. Having a life jacket makes sense; it does not mean you are a greenhorn. Organize a line of credit at the bank before you need it; if you wait till you are on the verge of capsizing, it will probably be too late. If you sense you are getting into trouble, take early action. Like the sailor who can luff up (point the boat into the wind)
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