Today, I start with a serious story about business, which will be particularly interesting to owners of small businesses. I frequently get mail from business brokers who want to help me sell my business, and I always throw it away. I consider Cabot to be a family business; we’ve been serving individual investors for 38 years and I expect we’ll keep on doing so for decades to come. But I recently took a phone call from a salesman who was very good at his job. He invited me to an all-day seminar west of Boston that would provide attendees...