Mike Ornelas, EA

Often the difference between a successful man and a failure is not one’s better abilities or ideas, but the courage that one has to bet on his ideas, to take a calculated risk and to act.Maxwell Maltz

What's your favorite candy?

70% of Americans don’t have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn’t too complicated, you can even do your own with software like Will Maker from Nolo Press.

What's your favorite pizza?

Small biz tip: Consider every company-sponsored business, PR, product and sales event a recruiting opportunity where you might be able to identify potential candidates.

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Don’t be afraid to talk to the media. Media contact is a great way to gain exposure for your business or to advance your professional career. Contact local newspapers, radio, and tv stations to learn about possible media appearances.

If you think you have nothing to contribute to the global conversation, you are wrong. Everybody has something that they are passionate about or an expert on --- share this with the world.

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Commit to contributing to retirement accounts, establishing a minimum 3 month emergency fund, and getting out of debt. The long-term financial benefits of these three things will outweigh the vast majority of any other personal finance decisions.