My Open Letter to Ernest Garcia II and Ernest Garcia III about Carvana’s Financials

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Initial Disclosure: This article is for informational purposes only and should not be considered financial or legal advice. The views are that of the author of this article and should be understood as such. In addition, the author of the article has purchased puts in Carvana, which means that the author is investing with the …

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The Financial Threshold for Repairing or Replacing a Hail-Damaged Roof

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Homeowners may end up needing costly roof repairs or replacement due to hail damage. The financial threshold is when replacement is cheaper than the cost of replacing parts, as well as the likely future cost of repair. This is not an actual amount or percentage of damage. So, the matter of how much hail damage …

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Why Business Owners Should Separate Personal Wealth From Business Success

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I know a guy who ran a print shop for nineteen years, sold it on a Tuesday, and by Friday figured out the sale price barely covered what he’d have earned working the counter. Every dollar he owned had been sitting inside the equipment, the lease, and the receivables. His personal bank account looked like …

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Best Honolulu Pickleball Discount Code (October 2026)

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Updated: 10/15/2026. This article contains links that help support this website. Honolulu pickleball is my favorite pickleball paddle brand, so I wanted to find out what is the best Honolulu pickleball discount code that you can use to get savings if you are not military, government, senior or a teacher. Discount code: PICKLEBALLER20Potential savings: 10% …

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Building a Small Testing Laboratory Budget Beyond the Equipment Purchase

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Photo from Restek Planning a small food-testing lab? The talk usually starts with instruments. Fair enough. A major piece of equipment is visible. It’s easy to quote and easy to picture on a bench. But the instrument is just line one.  The budget has to keep the lab running month after month. Say a lab …

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