At the end of the new millennium’s first decade the financial markets are churning, to use one of the few action verbs that hasn’t yet been applied to the seemingly endless mess. The fact is, though, that life does go on, and it is going on even now, as if a few setbacks can beat down the human spirit. Like any other challenge in life, it is how you respond that counts.

You’ve started a business and now you need to start acquiring items for that business, everything from inventory to the office supplies. Plastic in hand, you run full steam ahead toward – debt! Instead of making your dream of profit come true, you are watching said profit going out the door to pay your credit card payments that include high interest.