Anyone who has ever purchased a physical asset knows that the upfront cost to buy that item is just the “tip of the iceberg.” Maintaining that asset to ensure that you use it optimally throughout its expected lifespan is where the true cost of owning it becomes apparent. Let’s take a simple example that we can all relate to such as buying a car. The money you will pay before driving it out of the dealership is just an initial expense. After some months (depending on the age and the initial condition of the vehicle), you should expect to start…











