Transform Business By Reform

Transform Business By Reform

  With the reality of business economics being under increased pressures, the debate on the sustainability of small businesses will continue. There is no silver bullet for businesses with models at tipping points; competition and alternative channels, profit margins and budgets,  cash-flow  and supply chains, each have an impact on the demand. Customers want convenience and [...]
In Business: Notes To Connect The Dots – November 2013

In Business: Notes To Connect The Dots – November 2013

Mean Business Once-Upon-A-Time (in the real past) a Builder Developer was in the middle of  developing an industrial estate when he came stuck   (Historical note: *even in pre-recession days, High Street Banks changed lending rules as deftly as the Academy of Dark Arts).  Having cast comfort blanket salaries aside, he and I both were in the [...]
Shock Value

Shock Value

I wonder how many will choke on their coffee when they hear of  the brilliant idea that Banksy recently set up? A market stall  in New York, part of his contribution illustrating Art without a price tag, filled with original work at $60 a pop..... and few takers. Marvellous. Collectors for profit, missing-out to those genuinely [...]
The Sum Total Of Cash Flow

The Sum Total Of Cash Flow

The pound has risen, there’s optimism amongst the financial industry and sterling is looking strong as record low interest rates are still in place  - Business surveys have recently been consistently positive; retail sales are up, car sales are good, mortgage approvals have increased. But..... Most of these figures are set against previously declined figures, [...]
Business Finance Junction – October 2013

Business Finance Junction – October 2013

Phase Two of Help-To-Buy (HTB), in which taxpayers guarantee up to 15% of a new mortgage, means that Applications will now be allowed from early October. However, lenders will not be able to buy guarantees for the mortgages they offer until January 1, 2014.  Lenders will be able to start writing loans but it’s still unclear [...]