For the past 3 decades (at least) YOU have been told by us (media) that there is ‘good’ debt and that there is ‘bad’ debt. Good debt is a beautiful concept ‘created’ by lenders with a great, benevolent image to say that: interest rates are low it is tax deductible and it is used to […]

Read More →

  Whenever you interact with people and are in some service – or when you are taking risks, making things happen, interacting with others, or in the public eye – you are bound to make mistakes. This is like if you are cycling the question is not ‘have you fallen’, the question is ‘when did […]

Read More →