Make an appointment with a financial advisor, write your will, get life insurance: one at a time these less drastic changes will help you build confidence and improve your financial situation.

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Anyone who develops mouth ulcers or suspicious lesions and lumps, or sees red or white patches in their mouth or tongue which do not heal within two weeks, should make an immediate appointment with a dentist.

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Make an appointment with an attorney to prepare a will and durable power of attorney.

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"Be formal and make an appointment with your boss, " recommends Tanya Maslach, a San Diego, Calif.

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The PCB is keen to make an appointment with major home series against South Africa and Australia and a tour to India coming up between October and March 2008.

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With these caveats, how much difference would a new conservative appointment make?

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"If this were next year, while you are at Comdex your secretary could make a new appointment for you, put it in your calendar, and it would synchronize wirelessly with your RIM, " a source said.

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