circle of competence

Sadly, it seems like every other day you hear about ex-athletes going broke not long after retiring from their respective sport. The reasons are many – spending lavishly on homes, cars, and jewelry, as well as helping out family members and friends.

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SCARF model

Meet Joe, who recently started a new job as a manager at a scarf factory. Joe has recently been given his first big assignment and really wants to make a good impression. His boss, Mike walks into the company kitchen at lunchtime where he finds Joe, who seems a bit out of sorts and is totally

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