Your posts are always very impressive Kevin and your points are definitly appropriate, educated and appreciated. 'Hope for the best and plan for the worst!' I would humbly suggest, however, that sometimes folks just need a little commiseration and a pat on the back.
Speaking for myself - I know I should unleash the lawyers (no offense!) on the deadbeat clients that owes me over a grand. I have their home address and I could make their life a living hell and maybe even break even financially in the long run. And I know that I should believe that by doing so I will help to slowly change our industry and show the other deadbeats that they can't get away with it. And sometimes I do just that and I embrace my rightful indignation and applaud myself for doing the right thing.
And sometimes I sigh deeply and shake my head and wonder how people can be so nasty to each other, all in an effort to make a buck. I think back on the conversations I had with those people that screwed me about their family and mine and the weird industry that we work in. And sometimes I just write off the loss and try to have enough faith to take on yet another new client that might stab me in the back tomorrow regardless of how much I 'plan for the worst.'
... sorry, it's Friday and I'm feeling Zen :-)
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