Three years ago the economy was roaring. stock prices rose, interest rates remain low, unemployment was reduced. A few months later, all indicators were in opposite directions. Now, it's hard to say from one day to where we stand.

I am optimistic that the current situation is short term and long-term prospects are for growth and good times. But that does not mean that there will be falls, sometimes deep, along the road. The question is: Are you able to build on the good times and bad surf?

You have to wait one or the other. Fortunately, there are "changes" that you can take that will serve you well in both.

1. Getting out of debt. The sooner the better. You can not take advantage of opportunities when they are deeply in debt. And there are opportunities in both good and bad. Meanwhile, debt prevent you from benefiting from the opportunities presented. In the bad, which extends the negative, since the cost of price increases and debt service becomes an increasing part of their expenses.

2. Think globally. We can no longer afford to think and act locally. We have a wider

vision. We must think about how our vocation, our business and our industry operates in a global economy - it already does.

3. Being an entrepreneur. This is the age of free agency. Even if we are and plan to continue working in a larger company or organization, at least we think like an entrepreneur. We have to be "entrepreneurs." Seniority and experience is the value that it did. Producing results - and profits - is what matters.

4. Become a capitalist. Asset rich, with other responsibilities - things that cost money to own and maintain. Capitalism is not a dirty word. The capitalist, by definition, is someone who holds assets - assets that produce income. File, the computer and business are income-generating assets. In the United States, 80 percent of all millionaires are self-made. Be one of them.

5. Be flexible. Things are moving at a rapid pace. This requires adaptability. Things will not remain the same, or become the way it used to be. We must be willing to change direction quickly. It is dodging and weaving time. It's time to embrace change