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The sick day thing is always a tough one. You don't want people who are sick coming in and spreading things around, so you give people sick days. Then you get people who are always "sick" to milk an extra day or two out of their beach weekends.

I had an employee who was playing fast and loose with his retirement money during the stock market boom in the late 90's. He was in his mid-50s, far too along life's path to be taking such risks with what little he had saved. I tried to talk some sense into him, tried to show him how to use the...