Congratulations to Steve on his fine book. With reference to the 11 second rule and the division factor of 2 – I find from my own experience that there are too many opportunities at that level and to narrow down the better investments I use a division factor of 3 or 4 – even 5 if you can get away with it. You can get where you are going just so much faster. Note that all my investments under this format are in rural New Zealand. So you make an initial good buy hence giving yourself Capital Gain at the start, then all you need be concerned about is the yield which is usually extremely favourable. People wanting to get ahead in a hurry, investment wise, could do well to study my theorem which I have found to work in practice.Good luck, Peter (Stamps)