Last, but perhaps most important: Learn how to be less annoying to the non-procrastinators around you.

WSJ: How to Be a Better Procrastinator

The last, but probably most important reason for the Bank of Japan's stubbornness is that it is unwilling to stimulate the economy until the government cleans up the banking system and forces firms to restructure.

ECONOMIST: Japan��s economy

Last but not least, what is most important is this.

FORBES: David Bach on How to Build a Career Without Going Broke

My last piece of advice -- this is simple, but perhaps most important: Persevere.

WHITEHOUSE: President Obama Speaks at Barnard College Commencement Ceremony | The White House

As I wrote last year, perhaps the most important development in the U.S. mobile landscape in 2011 was that all but one of the major carriers have abandoned unlimited data plans in favor of tiered service.

CNN: Analyst: iPads, Kindles, GPS units to be cheaper in 2012