The other morning I was sitting in the hot tub at 24 Hour Fitness with my friend Jim. He is and has been a very successful business man for over 40 years. Owning homes from Rancho Santa Fe to Laguna Beach he did well in the auto business, owning German branded dealerships. My guess is Jim is in his mid to late seventies. He reminds me of someone you might refer to as an old salt of the earth. I was to meet with a...