What a blessing it is to be on this journey of life!  It's a journey of highs and lows, twists and turns, achievements and disappointments.  Despite the challenges, the time, every day, we have between opening our eyes in the morning and closing them at night, we should be thankful for the privilege to be on our journey. O ur personal journey consists of the past, the present, and the future.  Each of these moments have significant value in life.  Reflect on the past.  Be in the present.  Build towards the future.  Each day is an opportunity to use your past to work in the present to build your future. The idea of this book was born in 1994 as I set on a path of personal excellence.  It represents my attempt at chronicling the lessons I have learned thus far in life as a gift for my children and their offspring.  My wish is to pass on my knowledge and wisdom to those who might be receptive. Take the information presented in this book and think about it.  If it makes sense, d