November 15, 2024

Charlie Munger, the esteemed investor and vice chairman of Berkshire Hathaway, is renowned for his insightful perspectives on life and business. One of his notable pieces of advice is:

“Stay away from people who are always unlucky or unhappy.”

This counsel underscores the importance of surrounding oneself with positive influences.

Munger suggests that individuals who consistently experience misfortune or harbor negativity can adversely affect those around them.

By associating with optimistic and successful individuals, one can foster a more constructive and prosperous environment.

This philosophy aligns with the broader concept that our social circles significantly impact our personal and professional lives.

Choosing companions who inspire and uplift can lead to better decision-making and overall well-being.

For a deeper exploration of Munger’s wisdom, consider reading “Poor Charlie’s Almanack,” which compiles his speeches, lectures, and thoughts on various subjects.


The ASCEND Copywriting Model, developed by Scot Smith in 2024, offers a structured approach to crafting compelling sales communications.

This framework is particularly beneficial for mortgage brokers, agency founders, and independent consultants.

The model emphasizes the importance of value stacking—combining multiple elements to create an offer that feels irresistibly valuable.

By listing all features and benefits, assigning monetary values, including relevant bonuses, and communicating the total value, businesses can make their offers appear more valuable than the price, effectively overcoming price objections and differentiating from competitors.

Scot Smith, based in Scottsdale, Arizona, is an internet marketer and PPC expert.

He is associated with Automated Inbound Holdings, LLC, which oversees various innovative business strategies and projects, including the ASCEND Copywriting Model.