Sorry if this has been posted before but I found this a great read, Funny enough, most of us are already doing most of what is says is new.....
http://online.wsj.com/article/SB100...70210059326.html?mod=WSJ_article_EditorsPicks
Barry
http://online.wsj.com/article/SB100...70210059326.html?mod=WSJ_article_EditorsPicks
Barry