SMART

Have you suffered some significant challenges recently? Family disaster Natural disaster Business setback Health setback Personnel problems Legal problems Other Are you still IN CONTROL OR NOT? Are you: threatening to spin out of control? panicking? unsure about what to do next – what to touch or leave well alone? disoriented – cannot find the […]

Suddenly everything seems different… You don’t feel certain about anything anymore… you are rattled / shaken… You’re uncertain about some of the big decisions you’ve made… You’re unhappy with some of the people in your life… You confidence has taken a serious dip! You doubt everything… You even feel trapped… depressed! So, what brought this […]

Always in the “opponent’s” shadow? Regularly missing the target / goal / mark? Performance / workmanship often substandard? Plans often don’t work out? Often walking a legal tightrope – risking fines, sanctions, judgements, etc. Regular breakdowns (ignoring maintenance schedules, etc.) Partners, colleagues, subordinates, superiors frustrated with you Always having to make excuses, explain yourself, etc.? […]

There are things we won’t get unless we ask for them: That desirable job / promotion The big sale A big favour / Needed assistance Substantial discount Upgraded seat Permission Approval Special concession The longed for date Desirable access Etc. Why don’t we ask when we should? Fear? Pride? When we don’t ask we miss […]

Feel like you are not getting through? Do you: often have to repeat yourself? frequently have people misunderstand you? experience regular conflict? feel the need to shout to be heard? feel frustrated with co-workers/subordinates? What could the problem be? Are you: explaining yourself well enough? using the most appropriate communication medium? careful not to “fight […]

You have set your life up nicely: great goals great family great friends great work environment/business great subordinates/associates/co-workers great product/service BUT: You have lost your passion! You feel: unmotivated everything is just too much an unexplained, persistent, and relapsing exhaustion fatigued – a lingering tiredness Possible causes: Depression due to a chemical imbalance or other […]

DANCING TO YOUR OWN TUNE? working abnormally long hours? taking work home? distracted on weekends? little or no time for yourself? neglecting family and friends? overwhelmed? YOU ARE NOT DANCING TO YOUR OWN TUNE! YOU ARE DANCING TO SOMEONE ELSE’S! Saddest of all is that, in spite of your “dedication” to the job/sacrifices you still: […]

Sales numbers down? Sales volume down? Sales coming through late? Orders “pending”/deliveries suspended? Order cancellations/sizes reduced? Few new enquiries? SHOULD YOU WORRY? It IS a problem if: Your sales team’s morale is low Your activity level is poor (waiting for clients to approach you, not cultivating existing clients, etc.) You are not trying new, innovative […]

On paper you are profitable but you don’t see or feel the money? chronically short of cash? bank facility overdrawn? spending most of your day chasing money? stealing from Peter to pay Paul? don’t know where the next wages will come from? having to make excuses for late payments? creditors knocking on the door/worried? embarrassed […]

Lost your creativity? passion? joy? Are you bored? going numb? playing solitaire for hours on end? spending more and more time away from the office/job? feeling old? What is the problem? Is your business ticking over and not stimulating you anymore? Are you on the wrong path. Is your sub-conscious perhaps telling you there are […]

Not returning important calls? Out-of-control e-mails? Chaotic workplace/-space? Poor/risky stock control? Unsafe money handling disciplines? Neglected team? Behind on important paperwork? Not planning your movements/activities? No time for yourself? CANNOT GET TIME TO MAKE TIME? A bad place to be! BREAK THE CYCLE! HOW? Put EVERY SINGLE THING that needs to be done, GREAT AND […]

Determined to take extreme action? Sick of crippling overheads? Dreading month end? Feel like you’re bleeding to death? Simply not profitable enough?  Be careful that you don’t kill yourself in the process!                                                […]

Ready to burst out crying or attack someone? It is unusual for you but now you feel on edge, frail, vulnerable, insecure… What could be the cause? Been drinking more than usual lately? Fooling around with non-prescription drugs? Not eating healthy? People drama in your life right now? Stressed out by looming deadlines? Feeling financial […]

Dissatisfied with how things turned out last year? Are you uninspired / bored? Or do you perhaps feel like you’re fighting a losing battle? Getting nowhere? STOP DOING THINGS THE SAME WAY! WHY? Things don’t change until we do… Insanity: “Doing the same thing over and over expecting different results” – Albert Einstein We cannot […]

Cannot get started? New Year’s challenges daunting? YOU NEED SOMETHING TO LOOK FORWARD TO!      YES!           NOW ALREADY! You need something exciting to look forward to in 6 weeks’ time 3 months’ time 6 months’ time a year’s time… yes, at regular intervals! Like what? a theatre performance, concert […]

Deep down you know exactly what to do…! Your gut is never wrong! And – you’ve done your homework! But making up your mind and taking decisive action, is very difficult. It is threatening to overwhelm you and you’re a little scared… You’re even looking for a way out…   BE CAREFUL! INDECISION IS A […]

You really need this break!.. But, if you had a choice you would not take it… You cannot afford it! YOU ARE GOING AWAY WITH A HEAVY HEART… The problem with this is that you might: Drink and eat too much to dull the pain… Take your stress out on your loved ones / neglect […]

Wondering how to get an unsecured business loan? For small business owners, that extra cash boost can be the difference between a thriving business and one that is merely surviving. Having access to capital allows you to concentrate your efforts on improving the business and gives you the freedom and time to work on other […]

Unsecured business loans are a great alternative to traditional bank loans because of their flexibility and accessibility. For small businesses in particular, unsecured loans don’t require the same mess of paperwork and large unmaintainable collaterals. In that way, it makes far more sense for small business owners to get an unsecured business loan. Here are […]

Cash is king, and that little extra boost to your finances can really make a difference. Some of the best investments you can make is to bring on quality staff and the best industry standard equipment and technology. Having these at your disposal will make all the difference to your business to make it stand […]

One of the most exciting and gratifying aspects of running your own business is being able to watch it grow. Growing your brand and social following, securing new clients, and increasing production volumes are the standard indicators for your business’ success. Things like realising you need to hire more staff and purchase more equipment to […]

If you’re a small business that needs more staff or new equipment, but is having a hard time securing finances for it, it might be a good idea to consider taking out an unsecured business loan. Keeping a lot of staff around may be difficult to finance – but when you look at people, you […]

Growing your own business can be both exciting and stressful, but the long term benefits they present make them all the more worthwhile. If your company is getting busier and you’re meeting lots of new clients, it’s time to consider giving your business a bit of an upgrade. These are the long term benefits that […]

Small businesses need to master the money problem in order to be able to stand on their own two feet. Obtaining funds is not always an easy task, especially when faced with the various obstacles that are characteristic of traditional bank loans. Here are the three biggest hurdles you have to cross when applying for […]

Starting and maintaining a business is no easy feat, and when it comes to cash flow, even the most diligent of owners can make mistakes when it comes to invoicing. This is not to say that you’ve forgotten to send a bill for a client to pay off, it’s simply not passing on the costs […]

Cash flow is subject to seasonal changes and many outside factors beyond your control, but there are small but effective ways you can give it a little boost with the correct management skills. One of the most important skills to have as a small business owner is identifying opportunities to maximise cash flow through careful […]

The Australian dollar has followed a downward trend for some time now, so if you’re an importer of foreign goods, or even just a small business who buys equipment or product from overseas, this can mean a tighter squeeze on your cash flow. So how do you make your business flourish while the economy is […]

Cash is king no matter what type of business you’re running. However, access to capital is especially crucial to sustain the day-to-day running of many small businesses. One of the most obvious advantages of having an unsecured business loan is that you don’t have to be an asset holder to apply for one. Perhaps all […]

Does the change of season signify a slow or peak for your business? Most businesses will be affected by seasonal changes, and it is wise to ensure that your company is well-equipped to face any changes in supply and demand. The key to equipping your business for seasonal changes is proper cash flow management. For […]

Alternative lending or alternative non-bank lending solutions describes a broad range of loan options that fall outside traditional bank loans. These loans are often an attractive alternative to consumers and business owners who prefer not to adhere to the rigid structures and processes attached to traditional loans. Consumers and business owners choose alternative loans for […]