When looking back on her previous journal entries, Virginia Woolf remarked that she often found the significance to lie where she never saw it at the time.

Reading your old journal entries is a bit like reading a great book for a second time. You pick up on new se...

For instance, a $20 stock with $2 per share in annual cash flow has a 10-to-1 ratio, which is standard. A ten percent return on cash corresponds nicely with the ten percent that one expects as a minimum reward for owning stocks long term. A $20 stock with a $4-per-share cash flow gives you a 20 p...

1. Identify Your Current Level

• Don’t Compare Yourself to Those Who Are at Level Ten
• You Can’t Leap From Level One to Level Ten

2. Identify What the Next Level Looks Like

3. Identify the