Maybe time for me to start selling and wait for the fear to arrive once again and pick up some more amazing opportunities.

Get yourself out there and don't be afraid to pick up the phone and actually talk to someone. 

Let's use 6% interest just to pick a more reasonable cost of money (ie. not todays crazy rates).  

I picked them bc the credit card and mortgages reported.

It seems you have your seasons a little bit off: February is a slow month for Sedona and March is when things start to pick up.

I am thinking about picking up my Private Money Broker certification, as way of adding an additional stream of income, but I want your advice if you feel the certicication is worth the effort?

Law students and lawyers have to pick it up along the way.

For example we paid for designer that made multiple errors including one that we caught too late and pushed the schedule (but designer picked up the cost impact but not the schedule impact).  

It would seem logical that enrollment will pick back up again now that we're operating under a budget.

Pick a subject/day of the week and we'll give it a go.