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Category: Business

When a Vig Equals Ownership: The Forever-Cost of a 401k Plan

Wall Street — by which I mean the overall business behemoth that makes its money by holding investments of other people’s money and by trafficking in investments and money generally — is vigging all of us to death. I mean this pretty much literally, i.e., I mean that, from the […]

Self-Employed People Almost Always Underprice their Services

I help people improve their overall financial health, wherever that task might lead, and, since a lot of my clients are self-employed people, I help a lot of them improve their self-employed financial health, i.e., I provide business consulting services to them. This can range from helping them decide whether […]

A Scale-Tale: How Big is a Business with 400 Employees?

I am a student of scale — a collector of scale-tales. It all began decades ago with the wonderful book The Seven Mysteries of Life, by Guy Murchie, a life’s-work sort of undertaking for him, full of interesting notions interspersed with the author’s cute drawings and beginning with a chapter […]

Friedman’s Law of Triangular Relationships

I’ve said it before, and I’ll say it again: the odds of a commercial relationship involving three or more parties going off the rails are far higher than commercial relationhips involving two parties. There’s a reason for this. Say that three parties, called A, B and C, are working together […]

Paying for Financial Services: The Hidden Balls, the Magician’s Hands, and the Dollars Effortlessly Eased Away from You

I get a lot of value from listening to Dave Ramsey on the radio. His politics are about as far removed from mine as possible, and I often disagree with what he says, but he often serves up a lot of food for thought, which, on a good day, can […]