I have long advocated both the above , and whilst the former is something most experts deem necessary there is a lot of debate over the impact of the latter
An accountant in business
Marketing consultant at a leading company formation agency ,accountancy practice sales broker, practice growth consultant and SME business consultant , specialising in debt management , marketing , business development and troubleshooting.
As well as being in practice I am also an online retailer (www.justcateringsupplies.co.uk , www.justarug.co.uk ) and have several charity trusteeships , giving me an all round view of the world's problems
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Last week I went to the bank to make a CHAPS transfer from my business account to a solicitor client account. Unexciting and not too suspicious , neither was it my first trip to this branch to undertake the same type of transaction .
Here we go again , seeking out "the rich" , those with "wealth" and the millionaire and billionaire men and women of this planet .
No doubt most of you have seen this news item - http://www.bbc.co.uk/news/uk-england-cornwall-30876360 , with the birthday court summons and chuckled .
Economists will have us believe that the sliding oil price is in effect a tax cut for consumers. After all it's something we cannot avoid (yes I know that isn't totally accurate but you get the gist of what I mean) so the money saved flows into the broader economy.
But does it ?
Now we're back behind our desks the 2015 Election has kicked off in earnest. I listened with incredulity to Andy Burnham failing to adequately handle the grilling on Radio 4 over Labour and the NHS
There's nothing like reaching for the milk chocolates when finances hit a brick wall . If I were holding shares in Thorntons I would probably have sick by now , several times .
So our dear old friends at the Co-op have failed th ebanking stress test http://www.bbc.co.uk/news/business-30491161 . To be honest I think most households and quite a few businesses in the country would buckle under the strain.
Some of the headlines about our impending weather are corkers . I don't know about you but I find our ongoing fascination with the weather a great conversation opener and ice breaker for tricky encounters.
Fixed fees - a bit like Marmite, you either love them or hate them .
Have you ever tried it on a fellow professional , like a solicitor or an architect ? How does it feel to be on the other side of the fence ?