Our Insights

In uncertain times or slowing sales, you need to move quickly to protect your bottom line.

Ignoring or delaying a decision to cut the fat from your business will significantly impact your business performance, cash flow and future survival.

Bankruptcy and corporate collapses were the highest ever recorded in Australia in 2012, with only 5% ever paying a dividend. On top of this many more businesses and individuals entered formal debt arrangements.

So what are the typical warning signs?

One of the questions that we get from business owners is "if I am going to sell my business, do I sell the shares in my company, or do I sell the business and keep the company?"

I'm an avid Crossfitter, the intensive functional fitness regime (www.crossfitshoalhaven.com).

Some would say obsessive.

But a big part of what CrossFit is about is Community, and on the weekend while competing at Survival of the Fittest 3 in Nowra I really saw that at work.

Sounds pretty easy doesn't it? Just save $15 a week.

If thats true, why aren't more people doing it, and getting the advantage in retirement?

Lately theres been a fair bit of stress in my life; enough to potentially drag me down and bury me underneath it.

But its not been of my doing, and this morning listening to a podcast by Barbell Shrugged (who's have thought, huh??) on diet and nutrition, I realised why Ive been able to work through it.

More and more businesses are thriving through clever online marketing.

And many businesses push into this strategy without getting the first things right.

Online marketing is generally a cost-effective way of increasing your exposure and expanding your customer reach.

Building and growing a business doesn't happen overnight - it takes hard work, and a lot of it.

You'll get some things right and some things wrong - but you'll learn a lot from what happens.

If you're a start-up or considering one, don't think its going to be all sweet from the get go.

For every business that shoots to the top theres a heap on the scrap pile below. 

Financial skills are an important part of life.

But schools dont teach them.  So it’s up to parents to educate their children how to properly save money, spend wisely, stick to a budget and turn into financially savvy adults.