by John F Kettley | Mar 30, 2026 | SMEs
Debt should buy appreciation, never depreciation Debt isn’t good or bad. It’s a tool. Like any tool, it depends who’s holding it and why. My simplest rule is this: debt should buy appreciation, never depreciation. If you borrow to fund something that creates durable...
by John F Kettley | Mar 2, 2026 | SMEs
TURNOVER IS VANITY. PROFIT IS PROOF. Turnover is a loud number. It’s easy to celebrate, easy to post and easy to hide behind. Profit is quieter. Profit is where the truth lives. I see the same pattern in businesses that come across my desk. Revenue is growing,...
