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In business or in our personal life this question is very important. However, many of us do not have an answer for it. The fly by the seat of your pants mentality has more than likely landed you in a situtation or two that did not turn out to your benefit. Today join the conversation and have you pen and paper handy as Ms. Joyce Saint-Cyr will get you prepared with a plan for 2013. Do not miss this episode that will impact your new year. http://joycesaintcyr.com