Here are the top three warning signs [you're at risk of foreclosure]:* You used to think nobody cared when your phone rarely rang. Then you missed a couple of house payments.* You're glad gas prices have fallen so you can afford it if you have to move into your car.* You're ready to say, "Let's make a deal" and trade your upside-down house for whatever's behind Door #3.

A popular myth is that learning is largely a matter of motivation. Increasingly, the key to effective learning in the information era is how you think, not how you feel.

It's not a good idea to cut back indiscriminately on what you read. The reason is that reading can save you time, because it gives you the opportunity to learn from other people's experience.

Time is a most versatile resource. It flies, marches on, works wonders, and will tell. It also runs out.

Traditional ways to deal with information--reading, listening, writing, talking--are painfully slow in comparison to "viewing the big picture." Those who survive information overload will be those who search for information with broadband thinking but apply it with a single-minded focus.