We (owners, bosses, managers) are always attempting to peer around the next bend when making business projections. Are we looking at another dip? Are things going to take off? How does that affect my budget and cash flow?

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Sitting like the proverbial 20,000 pound, hungry white elephant in the corner of the room, you try not to acknowledge or even pretend it exists. You've been told you must have one. Everyone in business has one.

Here's a secret: Not everyone in business needs one.