Why Is My Import Duty Higher Than the HTS Rate?
September 30, 2026
If the HTS says your product has a 2.5% tariff but your customs or broker bill is much higher, the difference may come from Chapter
Author: Tom Goodheart
Tom Goodheart
Tom Goodheart gravitates toward business, finance, health, and the peculiar rules, incentives, numbers, and edge cases that make otherwise ordinary subjects unexpectedly interesting. He has a knack for finding the question behind the question, especially where financial systems, consumer decisions, medical evidence, or institutional quirks do not behave quite the way people assume. Tom keeps the finer details of his background characteristically understated, which suits him just fine.
Was the Internet Built for Government Surveillance? What ARPANET, the NSA and Data Brokers Actually Show
September 30, 2026
A viral AI conversation claims the government designed the internet from the beginning so Americans would voluntarily build their own surveillance system. The origin story
Why Do ACH Transfers Take 3–5 Business Days If ACH Can Settle in One Day?
September 28, 2026
About 80% of ACH payments settle within one banking day or less, according to Nacha. Yet banks, apps and payment processors routinely quote three to
Was Fight Club Executive Producer Arnon Milchan Really an Israeli Spy? The Nuclear and JFK Records Explained
September 28, 2026
Arnon Milchan really did work clandestinely for Israel before becoming one of Hollywood’s most powerful film financiers. The documented story connects Israel’s nuclear procurement program,
Susan Collins FBI Investigation: What the Navatek Evidence Actually Shows
September 24, 2026
Federal records establish that Navatek executives illegally routed government-contractor money to a super PAC supporting Susan Collins and through conduit donors to her campaign. Collins
Can Humans Communicate With Plants? What Science and AI Can Actually Decode
September 23, 2026
Humans cannot have an open-ended conversation with a plant, but scientists can already detect plant electrical signals, classify some stresses with AI and translate biological
Why Is Business Internet More Expensive Than Home Internet at the Same Speed?
September 21, 2026
A home connection and a business connection can both advertise 1 Gig while carrying very different prices. The reason is not simply that business internet
Why Do Stripe and Square Charge the Same Rate for Debit and Credit Cards?
September 21, 2026
A regulated debit card can generate only a few dimes of issuer interchange while Stripe or Square still charges the merchant several dollars on a
Walmart Collected Life Insurance on Hourly Workers. Can Your Employer Still Do That Today?
September 21, 2026
Walmart really did collect life-insurance proceeds after hourly employees died. Corporate-owned life insurance still exists today, but what Congress changed, when employees must consent, and
Why Does an SBA Loan Require a Personal Guarantee if the SBA Already Guarantees It?
September 18, 2026
An SBA 7(a) loan can be 75% federally guaranteed while still requiring an unlimited personal guarantee from the owner. That is not a contradiction: the