The word ‘retirement’ conjures up a range of confusing or even contradictory feelings for people these days. Once upon a time, retirement was a defined day, usually marked by a birthday, after which any form of paid employment ceased immediately.

According to the experts, arguments about money are one of the main causes of conflict in relationships and are also one of the key reasons why relationships end.

In part one we discussed margins; in part two we discussed the current and quick ratios. Now I’m going to illustrate few other tecniques which are helpful for avoiding unpleasant surprises.

Say you are planning the trip of a lifetime to an exotic location, just you and your partner. You start getting excited once you have made the decision to go and the …

Now we focus on some other financial indicators that can tell you something insightful about how is your company doing.

Every company has an accountant. They are often seen as gray men, with round glasses and little social skills. Many think that their existence is justified by bookkeeping, which, in turn, is a law enforced requirement, right?

Financial Excellence combines the two essential components of mind management and money management. Do you have a focused and creative mind + financial intelligence?

Well folks we would like to thank you for the truly fantastic response to our recent competitions, the winners will be announced today. In fact, it went so well, we may even run another one shortly…

What kind of relationship do you have with money? Is your money plentiful or scarce? Are you afraid to take risks with money or are you a high roller?

It’s all going to hell. Times are tough. You may have to take a forced day off to prevent redundancies.

We all dreamed of it on those days when the boss never seemed to stop nit picking, when we had to travel on weekends, when we were bored, over-worked, sick but company culture or your boss (see above) insisted you came in.

This was clearly a report for which the headline had already been written, aimed more at using sensationalism to sell magazine subscriptions than providing consumers with an objective review.

You may have been having some difficulty procuring a business loan for your start up. In difficult economic times this happens frequently.

One of the dilemmas of being a parent is deciding how much financial assistance to give your children. It is every parent’s desire to be able to provide whatever their children need to live a full and happy life, but how much do you give them?

After Kinko’s was bought from Paul Orfalea in 2000 by FedEx, Kinko’s went from a paragon of “good profit” to an unfortunately great example of “bad profit”.

This may seem like an obvious strategy, but one which many businesses neglect to their downfall. By a system, I mean having a process for collecting unpaid fees.

It wasn’t that long ago that the news headlines were claiming we were in for the worst economic disaster since the Great Depression. There is no doubt that the events of the last two years have shaken the foundations …

In business, cash-flow is king. A great product or good business idea is useless if cash-flow is not under control. It is as essential to your business survival as water is to your own survival.

Well believe it or not, one strategy for getting your customers to pay on time is actually sitting there in the bible. You just need to know where to look…

Wherever you look these days you find promoters of ‘get rich quick’ schemes or motivational courses aimed at changing your mindset in a way that will supposedly, as if by magic, attract wealth into your life.