The difference between fee only vs fee based is one word, and that word decides whether the person managing your money can earn a second income from the products they put you in. It sounds like a technicality invented by a compliance department. It is not. It is the single most useful thing you can […]
In 2025 Morningstar published a number that almost every financial advisor in America now quotes. Investors, it found, earn about 1.2% a year less than the funds they own, because of when they buy and when they sell. Over the decade to 2024 that adds up to roughly 15% of the gains, simply given away […]
Learning how to value a small business usually starts with a number the owner already has in mind, and ends with the discovery that nobody else arrived at it. The gap between those two figures is not a negotiation problem. It is an arithmetic problem, and it is usually visible years before anyone is at […]
How much do financial advisors charge is one of the hardest questions to get a straight answer to, and that is not an accident. The number is usually quoted as a percentage, the percentage sounds small, and the actual amount leaving your account never appears on a bill you have to look at. This is […]
Lerner and Rowe Injury Attorneys continues to strengthen its presence and build partnerships in Northwest Indiana. The firm’s Merrillville office has been open for more than a decade, and its Valparaiso office opened in September 2024, expanding access to its legal services in Lake and Porter counties. Through its nonprofit arm, Lerner and Rowe Gives […]
Discover Africa writer Thaakiera Ackerdien was on the ground in Zimbabwe’s Matusadona National Park for Discover Africa Safaris, a Cape Town-based operator building tailor-made safari itineraries across Southern and East Africa, as African Parks completed a rare translocation: 17 black rhinos, the first wild rhinos in over a decade, now inside a 175-square-kilometer zone set […]
Second order thinking is the discipline of asking what happens after the thing you wanted happens. Most bad business decisions were not stupid at the moment they were made. They were correct at the first step and disastrous at the third, and nobody in the room was looking that far. You cut prices to win […]
I had a music teacher in elementary school who corrected everything. I could not play the flute, and every attempt produced a fresh explanation of what I had done wrong. He was accurate every single time. I did not get better, and I stopped wanting to pick the thing up. I thought about him recently […]
Every working system looks good on a Tuesday morning in a normal week. The test is what it produces on the week everything goes wrong at once.
Most advice here is some version of "charge what you're worth." It is unanswerable. Worth is established by evidence, and evidence is the thing you do not have yet.
The offer email arrives. The number is fine, maybe slightly less than you hoped, and the recruiter is waiting for an answer. Most people say yes. Knowing how to negotiate salary at this exact point is worth more than at any other moment in the […]
The busiest office workers are interrupted every two minutes during core hours. That figure comes from Microsoft’s own data on how people use its software, and anyone who runs a team will recognise it. Most productivity hacks are written for a calendar you control. The […]
The alarm goes off at six. You hit snooze twice, get up at half past, and spend the first hour of the day feeling like someone else is driving. Most advice on how to become a morning person starts with the alarm: set it earlier […]
A project lands that your team cannot carry. The product launch is in four months, the two engineers you need do not exist on your payroll, and a permanent hire will take most of that time just to find. Staff augmentation is the usual answer: […]
Most people meet Alex Hormozi through a video clip: a muscular man in a T-shirt explaining, with some impatience, why your business is not making money. The books are better than the clips. Alex Hormozi books are short, blunt manuals on three problems every business […]
Most of the decisions that shape a company are made on an ordinary afternoon, between two other meetings, by someone who is slightly tired. Decision making in business mostly happens in small moments: a yes sent from a phone, a hire approved because the role […]
It is a Sunday evening and you are dreading the morning again. Not the workload, which you can handle, but the sameness of it. You have been good at this job for fifteen years and you can picture the next fifteen with no surprises in […]
The email from HR arrives on a Friday afternoon. Your last day is in three weeks, and in the attachment there is a line about what happens to your 401k. Within a day, somebody in your network has suggested an advisor who can “help with […]
The biggest client calls at nine on a Monday to say they are leaving. By ten, two things need to happen. Someone has to work out what the lost revenue does to payroll, which projects pause and who tells the team what. And someone has […]
You open a document to write one paragraph. Four minutes later you are reading an email you did not need to read, with two new tabs open and the paragraph unwritten. If that sounds like most of your working day, you are in good company, […]
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