Plan to run a business. Plan profit and cashflow. Plan finance.

These articles are the result of many years in business, not of a close study of textbooks on the subject. They are designed to offer practical advice on the road to success, especially if you are starting up or looking to turn a small company into a bigger one.

Inflation and Business - A Warning
Bank of England warns business of the dangers of inflation while the Treasury fiddles the CPI to hide the true rate of inflation.

Granite and Northern Rock - Who Owns the Mortgages?
Northern Rock, Granite and the taxpayer. Who owns £40 billion of Northern Rock mortgages and will the taxpayer own them after nationalisation?

Small Business - Surviving the Credit Crunch
Your bank and their reaction to the credit crunch. How to avoid a loan / overdraft problem in 2008

Cashflow Financing by Factoring and Invoice Discounting
Factoring, invoice discounting and cashflow. How factoring and invoice discounting can increase both cashflow and profits.

Budget 2007 Exposed. Small company tax in Budget 2007
Budget 2007 and small company tax. How this budget will mean less corporation tax for a big company and more tax for a small company: A lot more tax.

House Price Crash or Correction? - The illusion of wealth
Will house prices simply turn down or are we facing a full blown house price crash?

Credit Crunch Explained - A Guide for Beginners
How the credit crunch began - What do CDO, ABS and MBS mean? And how they have led the banks into a financial crisis.

How to obtain a business bank loan: overdraft with 'Campari'
What it takes to obtain a business bank loan or overdraft. How 'campari' rules bank overdraft or bank loan decisions for business.

Bank of England Rate Cut. The Pound Falls - Inflation Rises
While the Bank of England cuts interest rates, inflation worsens as the pound falls, meaning the pound in your pocket buys less. The credit crunch, falling house prices devaluation and rising inflation are set to hammer the British economy in 2008.

Northern Rock 2007 and Overend Gurney 1866
How the Bank of England forgot the lesson of the last run on a bank. Northern Rock and the credit crunch. How Gordon Brown protected a Labour heartland

How to Succeed in Business. Plan to succeed in business.
Tips on how to succeed. To succeed in business means successful products: If cash in a business runs out though that business cannot succeed, no matter how successful its products.

Northern Rock Nationalisation Explained for Beginners
Why the government injected £100 billion of our money into an insolvent secondary bank; Northern Rock.

How to Buy at an International Trade Fair
Find new products at international trade fairs. How to buy at an international trade fair: Negotiate the best import deals: Deal with agents

Importing Goods from the China and the Far East
Finding suppliers and managing import logistics, payments, import charges and exchange rates.

Credit Control - Your Sales Ledger and Overdue Accounts
Giving credit and cashflow - How to manage credit control; sales ledger; overdue accounts. How to manage credit risk: withdrawal of credit; pro forma sales.

Writing a Successful UK Business Plan
Briefly how to write a successful business plan. How to plan forecasts for cash and profits.

Insolvency, Administration and Receivership
How to handle your business going into receivership / administration and coming out the other side in one piece.

How to buy Goods by Letter of Credit
How to import using letters of credit. How letters of credit work in practice, how to finance them and how they affect cashflow and profit.

How Your Corporation Tax is Calculated
An introduction to calculating corporation tax; The rules and how they work.

How to Calculate VAT
A brief overview of the rules including VAT on EC imports versus non-EC imports.