I borrowed an e-book from the NLB (National Library Board) last week. I love our NLB -  books are easy to download and it is free. There is quite a good range of e-books to borrow. I want to get into the habit of reading 2 books a month. The Latte Factor caught my attention and I decided to borrow it. After all, it is from the #1 NEW YORK TIMES BESTSELLING AUTHOR - David Bach. The concept of the book was simple. The Latte Factor isn't about lattes. It is about the trivial discretionary expense we incur daily. I can totally resonate with this. I have this Thai colleague (or Australian - which he claims) that has one Starbucks coffee in the morning. Another Starbucks drink in the afternoon. Some days, he has his 3rd drink from Starbucks. I always “joke” that Starbucks should make him a VIP in...