From my observations and experience as an owner-manager and in training and advising other owner-managers over the past few years, I have observed a three-phase pattern of small business development. This is by no means a universal model but it does help to understand the development process. In some cases, new firms fold or their [...]
During financial trouble, people are often crippled with high debt and unable to make full debt payment. This could be the result of overspending lifestyle (chalk up high credit card debt), bad money management, outcome of personal relationships (divorce), or major event which influence one’s financial plans (unexpected job loss, death, suffered a pay cut). [...]
Cost Reduction Priorities
When deciding on a course of action for cost reductions, the first step is to decide on the most strategically important part of the business that is needed for future growth and channel all cost reductions around it. If anything, some portion of the cost reductions from other areas should be shifted into [...]
Maintaining good husband and wife relationships requires love, commitment, passion and understanding on both sides. When it becomes one sided relationship, marriage breakdown is likely to occur. Here are common sources of marital stress and conflict : Financial Problems, Communications Problems, Family Problems, Sex Problems, Friend Problems, Addiction Problems, Abuse Problems, Personality Problems, Expectation Problems, [...]
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