Around here, now that the school year is underway, the house has reset—earlier alarms, carpool waves, and a calendar finally finding its rhythm. We hope the season is easing in gently for you as well.
A quick reminder as the month gets going: on October 1, Charles Schwab will run its annual billing for accounts that hold privately held or alternative investments. Good news—fees are lower this year: $100 per holding, capped at $200 per account (previously $150/$300). If applicable, you’ll see this reflected on your October statement.
This month we’re sharing a concise set of timely reads—on housing, college ROI, family online safety, practice value, and compensation. We hope you enjoy. If you have questions—or want to talk through year-end strategies to reduce taxable income—please reach out to your advisor.
Warm regards,
Matt Lessman
 | The Success-Then-Happiness FallacyYou don’t have to choose between success and happiness. You can obtain both. But you may have to reverse your usual order of operations, says this article from Harvard Business Review: Instead of trying first to get success and hoping it leads to happiness, start by working on your happiness and serving others, which will enhance your success.
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 | As Kids Go Back to School, Get Educated On Scams That Target StudentsToday’s kids are more digitally active than ever, making them vulnerable to online scams. Here’s a look at some back-to-school scams—and how to avoid becoming a victim.
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| The 25 U.S. Colleges With The Highest PayoffFor many families, it can be hard to justify the cost of college, especially if it includes taking on debt. These 25 public and private schools, from CUNY Brooklyn to Princeton, offer the best return on students’ investment, according to Forbes.
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 | Why a Landmark Settlement on Realtor Fees Hasn’t Cut CostsExperts point to everything from buyers’ reluctance to bargain to the housing-market slump for reasons that commissions remain stuck
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 | Buyers Pay More for Clean Businesses — Here’s How to Make Yours Exit-ReadyBuyers don’t fear imperfection. They fear uncertainty. Clean businesses get offers faster and at better multiples.
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 | I’m a salary negotiator. Here are 6 things I’d never do — and one tip I always follow to get more money.Jeremy Barnyak is a salary negotiator who helps senior-level executives secure better job offers. He said job seekers should go into a negotiation with a plan and look into others’ experiences. Barnyak said the discomfort of the negotiation process can be worth it, and it’s OK to hear “no.”
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| Child Care in America Is Broken. Here Are Five Ideas for How to Fix It.Parents are paying more than they can afford, but daycares and preschools can barely make ends meet. It’s a market failure—but it doesn’t have to be.
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