NEWS

UK and EU and World image

TRADE POST BREXIT

Feb 12, 2021

It is just over a month since we left the EU and a lot has happened in the interim. Article 16 was invoked and then withdrawn in a dramatic few days of political wrangling over vaccine production and availability. However away from politics and back to day-to-day activities and the…

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CBILS business loan

CONSIDER CBILS BEFORE IT’S TOO LATE

Jan 13, 2021

We start the New Year of 2021 under lockdown 3.0 with the uncertainty and impact this has on our businesses. The roll out of a vaccine is of course very welcome news, but will take time, and no doubt take longer than envisaged. For countless businesses, this will cause yet…

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world globe with text brexit

BREXIT……A WHOLE NEW WORLD

Jan 13, 2021

At 11am on 31 December 2020 the UK completed the transition from the EU. A trade deal was  reached at the last minute, with some compromises, but an agreement at least gives some clarity on the way forward for businesses. Now we will see the practical effects of leaving the…

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Ray Dalio Principles book

RAY DALIO – PRINCIPLES

Jan 13, 2021

This is a book review of ‘Principles’ by Ray Dalio, who founded Bridgewater Associates back in 1975. Bridgewater is one of the largest hedge funds and asset managers in the world. Dalio has been called ‘the Steve Jobs of investing’ and from day 1 he built his business using a…

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Financial graph

DEBT CAPACITY POST COVID

Nov 30, 2020

Recent figures suggest that businesses have taken c£18bn of CBILS and c£42bn of Bounce Back Loans this year. This is on top of any other funding that businesses have taken. Whilst these government schemes have been welcomed by businesses that needed funding to survive this COVID period, it does mean…

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Mountain climbers reaching the summit

ENTREPENEUR RESILIENCE

Nov 30, 2020

For many entrepreneurs and businesses this past year will have been the most challenging they have ever faced, and let’s face it, this is not over yet, so we still have many uncertainties ahead of us. Back in March as lockdown began, I wrote an article in the Snowball newsletter …

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Construction project

NATIONAL INFRASTRUCTURE BANK

Nov 30, 2020

At the spending review last week, the Chancellor Rishi Sunak announced that there would be a new National Infrastructure Bank launched. Details were sketchy but we know it will work with the private sector to fund new infrastructure projects across the UK and to help the UK reach the net…

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Snowball Advisory Website

SNOWBALL ADVISORY LAUNCH

Oct 30, 2020

We are excited to announce the launch of our new dedicated Snowball Advisory business, which sits within our Snowball Group of businesses. Through Snowball Advisory we utilise our passion, expertise and experience to provide businesses with the best advice for their strategic, funding and growth needs. We offer a truly…

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Excel Icon

MORE SPREADSHEET WOES

Oct 29, 2020

I’ve previously warned of the dangers of spreadsheets and formulas and assumptions and how small errors can make a big difference. There have been some high profile and expensive mistakes using spreadsheets. JP Morgan Chase had in one case accidentally added two cells in a spreadsheet instead of averaging them…

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