You may not believe it right now, but it is true. The recession is over! Sure, there will be a few more monetary 'wobbles and worries' to slow initial recovery, but nevertheless, recovery is on its way. Our return to prosperity will look different to times gone by, but it will happen, and happen soon. For now is the new business reality, especially for aspiring and mature Small to Medium Enterprises, (SME's). Exciting and possibly uncharted times lie ahead. The only question that remains is Are you and your business really ready? The economic environment is changing and both you and your business should be getting ready right now, innovating and preparing new ideas to take advantage of the opportunities coming your way. Economies change fast and this is nothing new. The reality of recent day to day trading, especially for some SME's, is usually just focussing on maintaining market share, proposition and profitability now. This is not unreasonable, it's been tough for the last few years and you don't need me to remind you of this. This book investigates ideas, new business practices, experiences and the reality of the dynamic recovery proposition that lies just ahead if you apply some thought, strategy, innovation, energy and robust planning. Are you and your business ready?

The decision to leave a spouse is one thing. Understanding and navigating the divorce process thereafter is another entirely. Each divorce is different. The good news is that there is a general path in the overall process which can be charted. This book will show you how. Sure, you can read a pamphlet or get a free half hour with a divorce solicitor to try to understand what's going to happen to you and in which order. However, without parting with even more money, you may not really see through the fog of the overall divorce process that you may endure for many months to come. Addicted to Wedding Cake aims to signpost the route through the jargon and procedures to the day when your divorce is over. It will explain the nitty gritty and provide samples of some of the court forms you are likely to encounter along the way. This is a guide of how the English and Welsh divorce system works. It's not a guide on deciding to divorce, because that's your personal decision (or a fact if you are the one being divorced). It is about the journey of divorce and will help you to understand what's going on and that you are not alone. Divorce can be an undignified and hollow experience, however this guide will help you to make the best of the situation and manage your expectations.

1985, manufacturing is in decline and UK financial services has just started to unleash its commanding power over the economy for the next 25 years until the credit crunch bites. Sales of retail financial products and advice proliferated as banks, insurance companies and financial advisers scramble for market share. Regulation and regulators along with advice models traverse an ever growing understanding of the effects of the financial sales advice and service that has gone before, mortgages and endowments being good examples. To a significant extent successful selling is what financial services, along with most other services and products are about, as you will see. This book details the journey of a financial adviser through UK financial sales over a quarter of a century, containing some humorous anecdotes of success, failure and middle management to aid understanding and improve prospects. Starting from a bank clerk to running his own financial services company from a clean sheet, Keith Churchouse will visit many aspects of working for a financial services business leading to running his own successful business, including marketing, industry education, sales techniques and targeting and self belief in your own abilities to succeed in the current economy.

Your ears are still ringing from the nagging you received during your marriage or partnership. That's one reason why you are now tagged with the label divorcee. You've bagged up all your personal belongings, having negotiated any final division of the legal and financial stuff, for the time being anyway, and now it's time to move on. The world is your oyster- or it might feel like more of a barnacle so far. Who are you now? A person of the past, crying over spilt milk, or are you ready for the challenge of reinvigorating and reinventing a new you? Henry Ford of motorcar fame reportedly said 'Failure is simply the opportunity to begin again, this time more intelligently'. This statement is true of the recovery stages most go through after the breakdown of a previous relationship. The vital question is how to recover? Nagged, Tagged and Bagged looks at the recovery stages and the opportunities these bring. Your future is a new universe, ready to create and investigate. It's just a question of how you, with the help of this book, approach what could be the best part of your life. Let's explore!

Voce pode nao acreditar agora, mas e verdade. A recessao acabou! Certamente, havera ainda algumas oscilacoes monetarias e preocupacoes a retardar essa recuperacao inicial...no entanto, ela vem ai. O retorno a prosperidade tera um aspecto diferente com relacao a periodos homologos no passado, mas acontecera, e em breve. Ha uma nova realidade empresarial, especialmente para Pequenas e Medias Empresas (PME), aspirantes e maduras. Momentos emocionantes e inexplorados estao prestes a acontecer. A unica questao que permanece e a seguinte: "Voce e a sua empresa estao realmente prontos?" Como o ambiente economico esta em transformacao, voce e a sua empresa devem se preparar agora, atraves de inovacoes e da elaboracao de novas ideias, para aproveitar as oportunidades que estao a caminho. As economias mudam rapidamente, e isso nao e novidade. A recente realidade comercial do dia-a-dia, especialmente para algumas PME, demonstra que estas em geral se concentram apenas na manutencao do lugar que ocupam no mercado, da oferta e da rentabilidade imediata. Isso nao e de se estranhar, se considerarmos o quao dificeis tem sido os ultimos anos. Este livro investiga ideias, lembretes, novas praticas de negocio e as experiencias de PME de sucesso. Revela a nova dinamica da realidade economica e a recuperacao que se encontra mesmo a nossa frente, se voce aplicar um planejamento pensado, estrategico, inovador, energico e robusto. Voce e a sua empresa estao prontos?

Quer se trate de comprar uma barra de chocolate para afastar a fome ou da escolha de um carro para expressar um estilo de vida, cada venda comeca com uma necessidade ou aspiracao. Para realizar uma venda de forma eficaz e necessaria compreensao. Conhecimento e poder - mas o conhecimento aliado a experiencia, e muito mais valioso. Nesse livro eu trato dos principios de venda de servicos financeiros. Voce vai ver os caminhos muitas vezes divertidos em que essas vendas podem ocorrer, bem como as armadilhas contra as quais voce devera abrir os olhos. Toda a profissao tem presenciado mudancas em regulamentos e processos de governanca afetando os negocios e sua gestao e esse livro vai colocar essas mudancas dentro do contexto.