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When, where and how to take risks is often a stumbling block for people.

FEAR has been known as "False Evidence Appearing Real" and fear stops us short of our dreams.

When determining the risk of a particular investment, whether it is business, financial or personal, contingency and back-up plans are keys to long term survival.

Consider that you are the captain of your ship on your life's journey.

So-called opportunities will come along as you go from the beginning to the middle and toward the end of your journey.

You have your map in hand and look at it to consider this next decision will impact your journey in regards to where you want the destination to end up.

If an investment you make has the potential to blow a hole in the structure of your ship, consider the location of the hole.

A hole above the water-line is less likely to sink your ship than a hole below the water-line that could completely stop you on your journey.

Rest assured that you will make some bad decisions or "Murphy" will visit so consider the damage to your life's ship when a bad decision happens comes to reality.

We humans love risk and this is why people climb mountains, jump out of planes and go white-water rafting.

We constantly seek more risk in an effort to grow, expand our courage and find meaning to our existence.

When you climb a mountain, you have the best clothing, gear and training available our failure of one component could cause you to fall.

If you jump from a plane, you have the best parachute that is folded and packed the right way so that it releases properly to gently guide you to the ground.

These are calculated risks and the safety is in the back-up safety line or the back-up parachute or calculating where the hole could blow in the sidewall of your ship.

Risk only enough so that if a failure does happen, you will survive to recover and continue on your journey.