Managing Debt: Good Leverage vs. Bad Leverage
Good Leverage Bad Leverage Main goal Grow income or asset value Fund lifestyle or cover gaps Cash flow impact Pays for itself or more Drains monthly cash Risk level Measured, backed by real plan High, tied to hope and guessing Typical examples Profitable business, smart mortgage Credit cards, lifestyle loans Key test Will this create
Designing a ‘Zoom Room’: Professional Video Call Setups (Link to Tech)
Aspect Good Zoom Room Bad Zoom Room Camera Eye level, stable, clear image Laptop angle, shaky, grainy Lighting Soft light on face, no harsh shadows Backlit, blown out, dark Audio External mic, low echo, low noise Laptop mic, echo, background noise Background Simple, clean, on-brand Clutter, distractions, virtual chaos Internet Wired or strong Wi-Fi, stable
The Cost of Hiring: Salary vs. Total Burden
Item Typical Range Quick Note Base Salary 100% The number you usually negotiate Payroll Taxes & Statutory Costs 10% – 18% of salary Social security, Medicare, unemployment, etc. Benefits (health, retirement, leave) 10% – 30% of salary Varies by country, industry, and generosity Overhead (office, tools, admin) 5% – 25% of salary Space, software, equipment,
GDPR and CCPA: Compliance for Online Businesses
Topic GDPR CCPA / CPRA Who it covers People in the EU / EEA and some UK users with UK GDPR California residents (CPRA updated CCPA) Applies to Almost any business processing personal data of people in the EU For-profit businesses that meet revenue / data thresholds Legal basis Need a lawful basis (consent, contract,
Performance Reviews: Why Annual Reviews Are Dead
Topic Old Annual Reviews Modern Performance Reviews Frequency Once a year Ongoing (weekly / monthly / quarterly) Timing Backwards-looking, delayed Real-time or near real-time Focus Judgment, rating, salary Growth, coaching, course-correction Emotion Anxiety, fear, surprise Clarity, shared goals, fewer surprises Impact on performance Low impact, often demotivating Higher impact, tied to current work Most annual
Commercial Leases: Negotiating Terms Before You Sign
Lease Element What To Push For What To Watch Out For Base Rent Fair market rate, clear escalations Steep annual increases, vague “market” resets Operating Costs (CAM) Caps on increases, audit rights Uncapped pass-throughs, vague expense categories Term & Renewal Shorter initial term + clear renewal options Long fixed term with no renewal flexibility Tenant
The ‘Bus Factor’: What Happens If You Get Hit by a Bus?
Topic Quick Take What is “Bus Factor”? How many people can vanish before your business or life stops working. Good Bus Factor 3 or more people can disappear and things still run. Bad Bus Factor 1 person holds all the keys (often you). Main Risk Business stalls, revenue drops, family stressed, brand damaged. Big Win
Fleet Management: Tracking Company Vehicles via GPS
Aspect What You Get With GPS Fleet Tracking Visibility Live map of all vehicles, routes, and status Costs Lower fuel, fewer wasted miles, better routing Risk Reduced accidents, fewer fines, faster theft recovery Customer Impact More accurate ETAs, faster response times, better service Team Impact More structure, less chaos, clear expectations for drivers Complexity Choosing
Cybersecurity Training for Non-Technical Staff (Link to Tech)
Aspect What It Means Why It Matters for You Main Goal Teach non-technical staff to spot and stop common cyber threats Reduces risk of data loss, downtime, and reputation damage Key Focus Email, passwords, devices, remote work, messaging habits Targets where breaches actually start in day-to-day work Approach Simple, story-based, role-specific training tied to real
Safety Compliance: OSHA Checklists for Small Business
Topic Quick Summary Why OSHA checklists matter They keep your people safe, cut accidents, and protect you from fines and lawsuits. Biggest benefit for small business A simple, repeatable system to stay compliant without hiring a full-time safety manager. Core checklist areas General safety, hazard communication, PPE, emergencies, training, recordkeeping, inspections. Startup effort vs payoff
