Business
The right way to fire a client (and when you should)
Firing a client is uncomfortable but rarely as costly as keeping a bad one. Map the decision against four signals: payment behavior, scope creep…
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Business
Business
Personal finance in your 30s: a four-account system
In your 30s, the personal-finance question shifts from "how do I save more" to "how do I make my saving automatic." The four-account system…
Business
The annuity pitch your parents got — and why it’s wrong
Annuities are not inherently bad, but the way they are sold creates strong incentives that aren't aligned with the buyer. carmannews walks through three…
Business
Why your workplace retirement account is set up wrong
The default 401(k) settings at most companies are calibrated for the average employee, who doesn't exist. carmannews walks through the three settings worth changing…
Business
Side businesses that survived 2025 — and ones that didn’t
Across 2025, print-on-demand, dropshipping, and reselling struggled while service businesses, niche newsletters, and digital templates grew. The pattern explains both groups.
Business
Service-business pricing: why cost-plus kills margins
Cost-plus pricing — calculating your hourly rate and adding margin — is the wrong starting point for a service business. carmannews walks through value-based…
Business
The cap-table mistake that kills founder-team trust
A vesting cliff that nobody explained, a 1% sliver for an "advisor" who disappeared, an unrecorded loan from a parent — the cap-table mistakes…
Business
Most “passive income” advice is from people who never did it
Most "passive income" advice comes from people earning off courses about passive income, not the income streams they teach. Here is how to tell…
Business
Choosing a business bank account: 5 fees that add up
Free business checking is rarely free. carmannews compared 12 popular business accounts and found the five recurring fees that most owners don't see until…
Health
The dental cleaning schedule that fits the evidence
Twice a year is a default, not a prescription. carmannews health looked at the evidence on cleaning frequency by individual risk profile, and the…