The End of the Financial Year

The End of the Financial Year

The end of the financial year is always a chaotic time. Decisions and action that should have been taken weeks, even months ago are suddenly upon us. Whether it’s using your annual ISA allowance or switching before a regulation change, that deadline is upon us and...
Learning From Your Financial Mistakes

Learning From Your Financial Mistakes

Learning from your mistakes can be a real asset. There is nothing more demoralising that realising you have been through this once before and how did you manage to let it happen again! Learning from the mistakes of others is just as useful – and a lot less stressful...
The Pensions Revolution

The Pensions Revolution

The new rules and regulations, announced by chancellor George Osborne in last year’s March Budget, were long overdue after successive generations had suffered under the “annuity” rule.

Playing the Equity Card

Playing the Equity Card

The ‘baby boomers’ are sitting pretty, property-wise. Some have lived in the same house for over quarter of a century and seen its value rise many times, and that increase is all tax free.

Tax Avoidance or Tax Evasion

Tax Avoidance or Tax Evasion

Once again, the blurred edges of “tax avoidance” and “tax evasion” have been highlighted. The waters have been muddied to such an extent that making any effort to save tax might be regarded as “dodgy”. It started with the revelation that the bank, HSBC, had been...
Theo Paphitis in Plymouth – on Business

Theo Paphitis in Plymouth – on Business

Theo Paphitis is one of the best-known names in British business. Having already established his name and reputation as a specialist in turning around ailing businesses, he hit public fame as one of the panel of entrepreneurs on Dragon’s Den. Theo Paphitis...
Start-up Stories: Plymouth Carpentry

Start-up Stories: Plymouth Carpentry

Thomas and Jack have been working at one of the world’s leading producers of luxury yachts for over ten years between them. They have recently taken the bold step of starting up their own business, Plymouth Carpentry. Sticking to their roots in woodwork and...
Start-up Stories: Let Them Eat…

Start-up Stories: Let Them Eat…

When Lisa Hackett decided to take her own dietary issues in hand, little did she know that it would provide the ingredients for a new Plymouth business. We caught up with Lisa for Start-up Stories and asked her all about it. Where did it all begin?  I have...
Start-up Stories: My Fabulous Cakes

Start-up Stories: My Fabulous Cakes

Less than a year ago, Abi Noall gave up a career in management to pursue her dream of making luxury chocolate cakes, here in Plymouth. Now her new business, the aptly named My Fabulous Cakes is showing signs of sweet success. Early Beginnings The roots of her business...
Business Networking Groups in Plymouth

Business Networking Groups in Plymouth

The funny thing about networking is that every business has to do it. Exactly what form that takes is up to each business, but there is no such thing as a successful business that never did any networking at all. In short: networking is an essential part of your...
The New Normal in Business

The New Normal in Business

New normal is not just a TV programme it is a way of understanding what is confronting your business. As I have said before, most businesses are confronted with a severe case of five-year-old-itis. They are running (and planning and taking decisions) based on...
Five-Year-Old-Itis

Five-Year-Old-Itis

95 per cent of businesses I see at the moment have what we call five-year-old-itis. Their problems are five years old; in the last five years, everything and nothing has changed. How Old is Your Business Model? 95 per cent of businesses that I see and work with are...
Event Planners – Do You Have a Plan B?

Event Planners – Do You Have a Plan B?

Not so long ago, with disruption being caused by the volcanic ash eruptions in Iceland, enquiries came in from people asking for insurance cover to pick up the costs. This is not a new or unusual request especially at a time of crisis.

Cancellation Insurance – The Facts

Cancellation Insurance – The Facts

This paper looks briefly at the subject of event cancellation insurance, the likely claims and how insurance companies evaluate proposals. What is cancellation insurance? Cancellation insurance is to protect the financial interests of the organiser or stakeholder of...
ROBUST (Risk Management and Insurance) Principles

ROBUST (Risk Management and Insurance) Principles

Today Risk Management is a key area for organisations and one that continues to grow. Here are some sound principles to assist you. One of my favourite advertising strap lines in recent years from Scottish Widows was ‘looking good for your money’. When...
Contracts – The Devil is in the Detail

Contracts – The Devil is in the Detail

In the world of insurance we know all only too well about small print and how much it matters. If you want your insurance policy to respond then you need to know about the small print and what it means. Damaging Reputations Event organisers who simply refuse to return...
Dieting, Business Success Recipes and Teams

Dieting, Business Success Recipes and Teams

I have spent the last twenty years of my life as a consultant and businessman working in and around organisations both large and small. The businesses’ search for the Holy Grail often seems to be about looking at the latest management fad and seeing whether it...
How To Keep Your Customers Happy

How To Keep Your Customers Happy

In a world where everyone tries to delight us, why are we not so very delighted? Ten Ways to Keep Your Customer Happy Companies lose customers because they go elsewhere. And the reason why customers go elsewhere is that the people who serve them are indifferent to...
Survive and Thrive, My Foot

Survive and Thrive, My Foot

In our attempts to be polite, everything recession-oriented has the strapline “survive and thrive”. My book… workshops run by accountants… and seminars run by banks, business support organisations and consultants now give everything the S&T...
How to Find Niches and Opportunities

How to Find Niches and Opportunities

How to find niches and opportunities to fight the recession blues. A useful tool for any business is a checklist to find niches and opportunities in a recession: You can look at new customers and markets You can look at developing or changing your product or service...
What’s The Problem with Marketing?

What’s The Problem with Marketing?

For many of us the problem with marketing is that it just doesn’t seem to be working as well as it could. Typically our clients say things like: ‘We don’t have a clear view of the future…’ ‘Our pricing is easily matched/bettered by...

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