Do you have a vision in mind of how you want your life to be, as well as a clear plan on how to get there?  It is surprising how many times someone asks this question, only to discover that they are simply wandering along just letting life happen to them, all the while wishing that their dreams would come true.

     Why should we sit back, waiting for life to happen as it will, when we have the power to set our own goals and the energy and desire to make our dreams a reality?  Setting goals puts you squarely in charge of your own life, and that is a very desirable situation,