Beverly's Articles

You can increase the efficiency and revenue of your business by communicating
more effectively. In order to improve your communications, you need to do two
things: segment your market (existing and potential clients) and then develop your
value propositions to match these segments. Bringing these two factors together,
you will develop a customer-centric approach, which will increase the efficiency and
profitability of your business... more...

We all use rules of thumb to estimate things – cooking times, litres of paint needed to
do a room, time/supply costs when estimating a job. In employment, the rule of three
often applies – one $ for the worker, one $ for overhead and one $ for profit. In most
cases these rules work reasonably well – ignoring the over done roast or the left-over
tin of paint... more...

The Australian Bureau of Statistics has reported that Australian household debt
(personal debt) reached $642 billion in the December 2002 quarter. This is an
increase of $22,5 billion for that quarter alone. This figure needs to be broken down
to see what this debt is being used for.... more...

Setting a Process to Test Your Clients... more...

‘You can’t have enough of a good thing’ may be true for a lot of things, but when
assessing your insurance needs, too much is costly and too little is compromising.
How do you know if you have an appropriate level of insurance cover?... more...

In uncertain markets, many ‘growth’ investors look to move a portion of their money
into more secure investments. This does not mean that they are moving away from
their growth orientation. Rather, when markets are unsettled, many investors shift
into a core and security position... more...

Risk has two faces, a bold one and a sly one. As often is the case, the sly one is more
dangerous as it is hard to recognise. Before we look at these two faces, we need to
understand what is meant by risk... more...