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Asked of many business owners how they deal with financial stress, the answer mostly is "keep working." Asked how they deal with personal stress at the family level, the answer mostly is either "ignore the financial stress," "play hard," or "keep working." I have asked many owners if I understand this correctly: That the answer to business and stress improvement is to keep working, ignore the financial stress, play hard and keep working. To which I usually get either a laugh or a sigh in recognition of just how stupid that is. Once they realize that the root of the improvement opportunity is...

In the real estate world, the landlord usually holds the cards. It was the landlord who builds or buys the building, arranges the financing, constructs the interiors, as well as hires the leasing agent and property management company. The landlord writes the leases, and pays for the attorney to avoid the leases being changed. The landlord knows exactly how much money he will spend on construction, leasing commissions and concessions; he knows exactly how much he will spend on operating expenses and exactly how much he will charge the tenants. Finally, in office leasing, there is a book...