First, I think you have done a fantastic job, and you have a lot to be proud of from this blogging experience. I look forward to hearing more from you in the future.

Second, your ten observations are right on. I especially like the luck one since that one didn’t hit me upside the head until I was in my mid 30s. Hard work and determination are great, but I have seen too many bone-heads become multimillionaires because they were in the right place at the right time.