In Business: Notes To Connect The Dots – September 2013

In Business: Notes To Connect The Dots – September 2013

Business As Normal... Small firms are on the whole still feeling austerity chomping at their heels from which many are facing heavy additional burdens. Consequently, doing the bare minimum to get the job done means ‘right’ or ‘wrong’ decisions aren’t always considered, and we’re seeing a distinctive two-camp pattern of  those who acknowledge that changes continually [...]
Business Finance Junction – September 2013

Business Finance Junction – September 2013

HSBC is to increase its charges for 700,000 small business customers with many losing their free banking service as part of an overhaul of accounts. HSBC’s move is towards a more ‘transparent’ system of charges. Current account holders will be able to switch banks this month after the Payments Council confirmed a new switching service (account [...]
Should I Stay Or Should I Grow?

Should I Stay Or Should I Grow?

Currently ‘forward guidance’  has been given that, providing unemployment remains above 7%, interest rates will not go above the four year static 0.5%, which theoretically could mean interest rates staying at 0.5% for yet another couple of years, which has been a ‘norm’ for the past few years. Although low rates haven’t proven to assist [...]
Banks: Top-Down

Banks: Top-Down

The Governor of The Bank of England recently said, of the banking industry, “The cultural issue is fundamentally important. There has to be a change in the culture of these institutions". Generally little-understood, retail banking institutions, with business-principled kernels, have sometimes amused the public with their comforting marketing campaign strategies that carry messages of a [...]