With the credit crunch and the financial crisis providing the backdrop for recession there are now great concerns for the economy. Research shows that small businesses are now more in debt now than at any time since the late 1990's.
Most business owner-managers find that they spend only a small percentage of their time on important strategic planning. A great deal of their effort is spent on the day-to-day running of the business - the 'housekeeping' side of things.
Over two million people are reported to suffer from an illness which they believe was caused by or made worse by their current or past work. 35 million working days are lost every year (1.5 days per worker), 28 million due to work-related ill health and seven million due to workplace injury.
What would you do if one of your major customers went under, owing you a substantial sum? Would you be able to recover the outstanding debt - or reclaim goods they had not paid for?
Unfortunately, experience suggests that if...