Just remember to pay your premiums in good time.

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Remember to compliment your prospective client on good shots and putts.

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To substantiate your deductions, remember to keep good records.

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So take a good look at your mobile app and remember that you could do this too.

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Meanwhile, Grenaches remain the world's most undervalued great wines, wines that cause people to love you for your warmth and good taste, even when they can't remember what wine it was.

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However, if you are a winner, you can deduct your offsetting losses (up to the amount of your winnings) on IRS Schedule A. Most important, you must remember to keep good records such as losing keno, lottery or racetrack tickets.

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Whatever comes, good or bad, try to remember why you began in the first place: Starting your own business is a commitment, to yourself and your future.

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