I have decided that the best course of action for me is to start my own business. The fact is that my current employer is retiring and I just do not trust his sons to keep things on track to be perfectly honestly. Both of them strike me as over privileged and not all that qualified to operate a large business. Then the two of them are always bickering over minor things. I have a lot of what I need, plumbers own their own tools and I have a big van. I need to get a life quote though, because I will need to borrow a bit of money and no one is going to give me a small business loan without having the type of life insurance policy that they want you to have. It is not a very big deal. I am 46 years of age and I am in really good shape.