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Major disasters, such as the September 11 terrorist attacks and Hurricane Katrina, grab the headlines, but more common events, such as fires, power outages or burst pipes, can also cause businesses significant problems – work stoppages, lost income and even termination of operations. Whatever the cause, business interruption insurance is essential, and businesses that conduct their own forensic accounting analysis immediately after the event can expedite the recovery process, maximize reimbursement from the insurance carrier and generally improve their chances for survival.

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From time to time, economic and political events make people anxious and fearful about their futures. At Strategic Coach, our business is helping successful entrepreneurs increase their sense of direction, confidence, and capability in all areas of their personal and business lives. In response to many requests from our clients for insight on how to thrive when events seem to be beyond their control, we offer them strategies for transforming negativity and unpredictability into opportunities for growth, progress, and achievement. We hope these strategies support your creative thinking, communications, and actions.

About the Author
Dan Sullivan is founder and president of The Strategic Coach Inc. A visionary, an innovator, and a gifted conceptual thinker, Dan has over 30 years' experience as a highly regarded speaker, consultant, strategic planner, and coach to entrepreneurial individuals and groups. Dan's strong belief in and commitment to the power of the entrepreneur is evident in all areas of Strategic Coach® and its successful coaching program, which works to help entrepreneurs reach their full potential in both their business and personal lives. He is author of The Great Crossover, The 21st Century Agent, The Producer Group Future, How The Best Get Better®, The Advisor Century, and Creative Destruction. He is co-author with Catherine Nomura of The Laws of Lifetime Growth. This article has been reprinted with the author's permission.

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As the April 15th tax return due date approaches, you might want to make a contribution to a traditional IRA for the 2008 tax year. Not only will this boost your retirement savings, you may be able to deduct all or part of the contribution on your return. However, deductions are not available if your income exceeds a specified level and you (or your spouse if you're married) are considered to "actively participate" in an employer-sponsored retirement plan. There's usually little disagreement over the amount of income. But taxpayers and the IRS often differ over what constitutes "active participation" for this purpose. As one recent Tax Court case illustrates, the courts can interpret this term quite broadly.

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