The biggest challenge in business is not the competition, it's what goes on inside your own head

No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.

The productiveness of any meeting depends on the level of thought given to the agenda in advance, and you should never leave a meeting without writing a follow-up list with each item assigned to one person. And go outside. All the big ideas are on the outside. You'll never have a creative idea at your desk.

I've seen innovation come from something as simple as a resourceful multibillionaire who wanted to make even more money.

Refinancing your mortgage usually makes sense if you can lower your interest rate by at least two points. But the most important question to ask yourself is, how long will it take you to break even?

Finding opportunity is a matter of believing it's there.

Buy with your heart, not your head. You can look at all the aspects that make a purchase practical, but that kind of thinking makes it an investment rather than a home.