Tag Archives: Adrian Fowles

HMV and Credit Insurance

On January 6th, in my post about HMV, I commented that the issue for SMEs will be what happens if or when the insurers pull cover: When a big retailer sneezes it is the suppliers that catch the flu.  The … Continue reading

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Proactive Positive Laziness

Some years ago I was contracted to an international FMCG.  There had been a change of management and the new team was not sure of the financial status of the business. I’d been called in to drive the year end … Continue reading

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Mothercare and Clinton Cards in delusional weather warning

Two more profit warnings have hit the press – This time it is Clinton Cards and Mothercare The Telegraph article opens by saying that shares in Clinton Cards and Mothercare fell sharply on Thursday after they became the latest retailers … Continue reading

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Money has to move to be of value

Stationary money is of no value.  It just sits there.  Doing nothing.  Achieving nothing.  Rotting away as inflation eats into it. Money needs to move.  Stretch its legs.  Be exchanged for goods and services so that the next owner can … Continue reading

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HMV – Highstreet Media Vanishing?

Another interesting article in the Telegraph has caught my eye: HMV profit warning: can it survive? Now, I am going to have to confess some pro-HMV bias here.  I’ve been involved with them on a number of occasions over the … Continue reading

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Success? It’s down to you all the way: Lord Sugar

This morning I read a fantastic article by Lord Sugar on the Telegraph website. Success? It’s down to you all the way: Lord Sugar What I really love about his article is the simplicity and honesty of it.  Lord Sugar … Continue reading

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VAT is now 20% – How will it pan out?

Following on from my last post, VAT is now 20%, but how is this actually going to impact on our spending patterns? In my last post I discussed what would happen to the all-important price points.  Now the BBC has … Continue reading

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VAT Increase – Time to focus on the V = Value

There cannot be many business owners and managers in the UK who are not spending the time between Christmas and New Year thinking about the possible affects of the impending VAT increase.  I’ve been reading what a few other blogs … Continue reading

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What is your kidnap fund?

The thing about Entrepreneurs is that they are often the opposite of Accountants. I’ve never come across an Entrepreneur who said “I’ve got this great idea, but I need to optimise the working capital cycle before going ahead”.  They just … Continue reading

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How do you make a profit but still go bust?

So, why do businesses go bust because they have run out of cash even though they are making a profit?  The answer is in the Working Capital Cycle. This concept describes the time taken between the business handing money over … Continue reading

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