Business I S S U E
I I
WARREN BUFFET’S
Secrets
To Success
HELP YOUR EMPLOYEES ADJUST BACK TO OFFICE LIFE
JEFF BEZOS EXPLORER
HOW TO SPOT CONSUMER SCAMS
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CONTENTS 8
Jeff Bezos The Explorer
11
Help Your Employees Adjust Back To Office Life
14
Forgotten Tax Deductions
18
Live An Organised Life
20
How To Spot Consumer Scams
26
Warren Buffet’s 6 Secrets To Improving Your Career
30
Entrepreneurs Who Made It
35
Transform Your Office Lunch
11
14
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08 20 18 12
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Welcome readers and leaders, I am so excited to bring you this new edition of Business Matters Magazine, where you can gain insight on leadership strategies, business tools that support professional growth, organisation change, operational style, and much more, every month. Learn more about getting the most out your business with our expert tips and economic advice, right here, where Business Matters. The Team
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Jeff Bezos
Th e E x p l o r e r
Jeff Bezos is always ready to try new things. It’s arguably this explorer’s mindset that helped him build a business empire that spans the globe. With his signature sharp casual look, chiseled physique, and a confidently shaved head, you’d think he was a Hollywood celebrity instead of a business magnate, but in many ways, he is a superstar. His kind of celebrity and influence resonates mostly in 8 Business Matters
the boardroom. It’s the kind of celebrity that makes grown adults giggle in excitement when he walks by. But, this wasn’t always the case. Over twenty years ago, when he launched Amazon. com, Bezos had a combover and questionable fashion sense. A decade later, he underwent a complete physical transformation. He took on a reinvention trip that takes a lot of guts to take.
It wasn’t only Bezos himself that metamorphosed into an efficient machine, his company changed from solely selling books, to a more varied approach to retail. Amazon.com, has become one of the biggest companies in the history of the modern world. It made him one of the wealthiest people in the world and it all began with his then-wife’s life savings and a willingness to risk all in the uncertain world of entrepreneurship. Like the man himself, Amazon is now very different from its incubation stage inside the Bezos garage in 1994, when there were barely any signs of his budding entrepreneurial success. He was smart, but not the kind of smart that you’d associate with the likes of Thomas Edison or Henry Ford. He was sitting at a desk working for a wage in his early 20s, but the thing that separated him from the rest of us, was his willingness to venture into the unknown.
From briefly engaging in sports to his short-lived dream of becoming a theoretical physicist, Bezos wasn’t afraid to at least try. The little boy who loved science fiction, surprised his parents when they signed him up for football. His mother Jackie confessed in a Wired Inc. interview, “He barely made the weight limit, and I thought he was going to get creamed out there.” Much to everyone’s surprise, he was made cocaptain on the defensive team just a couple of weeks after joining the team. Bezos also attempted feats he couldn’t handle. For example, he tried becoming a theoretical physicist in university. Upon witnessing his classmates breeze through coursework while he struggled, he decided that the dream wasn’t to be and shifted to computer science and electrical engineering at Princeton University. After finishing his degrees and trying out a career in finance, Business Matters
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the pull of entrepreneurship was just too strong. He came upon the idea of Amazon when his bosses in the prestigious D.E. Shaw asked him to research investment opportunities in electronic commerce. It was then, Jeff Bezos was bitten by the entrepreneurial bug. He just couldn’t let go of the idea that it could work. So, he dropped his steady job with one of America’s top investment firms and started his business on an idea and a whole lot of courage. “When things don’t work, you have to back up and try again. Each time you back up and try again, you’re using your resourcefulness, you’re using self-reliance. You’re trying to invent your way out of a box,” he said in a Summit conference in 2017. It rang true for him when he started Amazon as it rings true on how he invests his hardearned money too. True to his explorer’s mindset, he began to invest his 10 Business Matters
time and money into other endeavors as Amazon became self-sustaining. One of the most intriguing investments buying the Washington Post. Many questioned the reason behind a philanthropic white knight swooping in to save the company with a generous impulse purchase. Bezos has said it is the newspaper in the capital city of the most important country in the world and has an incredibly important role to play in this democracy. But perhaps most tellingly, he created the privately-owned space exploration company Blue Origin in 2000, before the more high-profile Space Ex came into the picture. This time, he plans quite literally to explore the unknown; perhaps Amazon will start delivering to Mars soon. If we can learn one thing from this explorer, instead of trying to predict what the future is going to be like — why not just invent it?
Help Your Employees Adjust Back TO
Office Life The transition into work-from-home workplaces has shown us just how adaptable the workforce truly is. Business Matters
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From small start-ups to large multinational corporations, companies have shown that too much rigidity has no place in business if it wants to survive. It has a lot to do with the willingness of both employees and management to work together in turning a disruptive predicament into a manageable situation. However, no matter how ideal working from home is for some people, the experience is not perfect for everyone. Online video conferencing may have its advantages but it has some glaring faults too. For one thing, that personal touch that has proven to be the key ingredient in collaborative work cannot be replicated through a Zoom call. Fortunately, the challenging times seem to be on its way out. As the economy slowly reopens, organizations have the choice to begin the transition back to the office. As such, like how we began the transition from office
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work to work-from-home, employees might need some assistance in readjusting back to office life.
Prioritize Holistic Employee Well-Being One of the silver linings that has come to the forefront in the past months is that managers began to recognize that employees have lives beyond work. From young kids to pets, employees have priorities that come before work. It is important, therefore, to help your employees keep their priorities straight. Let them take care of the things that matter to them the most, first. This way, they are more likely to put their full focus on the work when they are in the office instead of having their other priorities lurking in the back of their mind. Workers who have already taken care of their home responsibilities, after all, are more engaged at work.
Remain Flexible If we have learned anything this year, it is that flexible organizations tend to thrive more in difficult situations. There is no need to throw away the adaptable mindset that you have already mastered as an organization. In fact, it may be time to double down on that quality. In the past couple of months, you may have noticed that some employees thrive in the office. Others, however, might perform better from the comforts of their own home. At the end of the day, productivity is what you need and you should be prepared to provide whatever it is that your employees need to be more productive. But this flexible mindset should not just stay in the confines of your employee’s work arrangement. It should spill out to the other aspects of office work as well. The office dress code, for example, is one aspect that is ripe for reassessment.
Keep The Lines Of Communication Open The importance of efficient workplace communication has never been so pronounced. In a lot of ways, it is the only thing that kept the office alive during the lockdowns. Communication needs to remain a two-way street. Employees must feel that communicating their needs to management is not something that they should hesitate doing. On the flip side, management should not be afraid of clearly communicating what they expect their employees to accomplish. We can all bounce back from challenging times stronger than ever. It’s important not to forget the lessons it came with, so, remain flexible, keep the communication going, and, most importantly, stay focused on an employee-centric management style.
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Forgotten Tax Deductions
It’s halfway to tax time again, and the time of year when our wallets take a hit! If you’re feeling the pinch, remember that some of your spending so far this year may be tax deductible. Even small amounts add up over the year, and can make a difference in your tax return. Think of it as an enforced savings plan that will help you mid next year!
debit card payments the norm, it’s easy to forget what we spend money on, and you’re more likely to have receipts sitting in your email inbox than in the proverbial shoe box ready for the accountant.
You might be aware of some obvious tax deductions, especially if you are in business, but there are many possible tax deductions in a personal tax return that often get forgotten. With credit and
Educating yourself
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Here are some tax deductions you may have missed out on, and some tips on making sure you don’t!
If you enrol in eligible education courses and your study is work-related, you may be able to claim a deduction.
Work related Car Expenses If you are required to use your personal car for work-related reasons, you can usually claim fuel and maintenance costs as a tax deduction. To be eligible, you must be the owner of the car and your travel must be part of your working day – e.g driving between offices, trips to the post office or bank or moving from one job site to another. You cannot claim trips between work and home unless you’re carrying heavy equipment or tools for work. You will need to keep a record of all kilometres travelled for work. Note if your employer already reimburses you a kilometre rate for work travel, you can’t claim a deduction!
Home office expenses If you ever work from home, or even check and respond to work emails out of work hours, you may be able to claim the Business Matters
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cost of using your personal computer and internet costs as a tax deduction. If you work entirely from home you can typically claim costs of running a home office as a tax deduction. These expenses can include software, equipment, furniture and a percentage of your rent and utilities. Be careful claiming mortgage interest on your own home, as this could trigger a capital gain in the future. If you use your personal mobile phone for work, you can also claim a proportion of your phone bill, usually based on the percentage of calls made for work use.
Union/ Membership fees Are you part of a union? How about a membership body related to your profession? If you pay work-related union or membership fees you can claim the total cost of these fees.
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Clothing, laundry and dry-cleaning Specific or protective clothing and uniforms you purchase for your occupation may be claimable, as well as the costs of cleaning those clothes. If you work outdoors, you may also be able to claim for sunglasses and other sun protection.
Charity Donations Any amount you donate above $2 can be claimed back so long as the charity has the deductible gift recipient status. You must have given
“If your employer already reimburses you a kilometre rate for work travel, you can’t claim a deduction!”
the gifts voluntarily without receiving material benefit or advantage. You can’t claim items such as raffle tickets or fundraising dinners. Before claiming deductions be sure to check the ATO’s website for guidance – there are some great examples. Talk to your accountant if in doubt you ensure you get full advantage of available deductions, without overclaiming.
you are not having to rely on memory a year later. A good way to do this is to download your bank transactions each month, save as an excel file, and highlight/note any items you believe are deductible. Set up a receipts folder in your emails, and any time you are emailed receipts and invoices for online purchases, file them away for tax time.
As a general rule, you are likely to be eligible for a deduction if: • The money spent was a work-related expense • You spent the money and weren’t reimbursed by your employer • You have an official record of the expense e.g. receipt, bank statement or diary entry To avoid an overwhelming task at year end, try to review your spending once a month to identify allowable expenses. This will make sure
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LIVE AN ORGANISED LIFE 4 simple tips for staying organised
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If life constantly feels like a series of deadlines that you keep missing, it may be that you just need to do bit of reorganisation. We want 2014 to be your most successful year yet, so we’ve put together some tips to help you get ahead of that eight ball this year. 3 most important tasks: write down the 3 most important tasks you need to do each day. Having three things to do is less overwhelming that an A4 page full of things that need to be done over the course of the week. If you finish those tasks early, take a break and start again. An easy, functional to-do list: there are maybe a thousand different time management or to-do list apps around these days, but you know what works best: a good oldfashioned pen and paper. The best part is that at the end of the day, you scrunch up the paper, toss it in the bin and you’re done, finito.
With an app you don’t get the same engagement or sense of accomplishment when you complete your tasks and it can make creating a to-do list a chore in itself. Sort at the source: an excellent organisational tool is the post office box. Try this: When you go to collect your mail, stand at the counter inside and sort the mail from the junk, using the post office’s bin to discard what youe don’t want. What comes into your office is only what you need. The same with your personal mail—toss any junk straight into the recycling and only bring into the house what you need. Delegate: learn to trust people with important tasks in ALL areas of your life. Once you learn to effectively delegate tasks, you’ll actually find that you can better manage the important task you couldn’t delegate.
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How To Spot Consumer Scams
Technology is our friend when it comes to managing our personal and business finances, but it’s also the friend of the scammer. You may have your finger on the pulse managing your bank accounts, investments, budget and spending from one small password-protected device, but that doesn’t make you immune to devious scammers
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and their increasingly sophisticated methods of accessing your hard-earned cash. According to the national consumer protection agency, the Australian Competition and Consumer Commission (ACCC), scams cost Australians, businesses and the economy millions of dollars every year. While thieves just break in and take what they find, scammers infiltrate your information systems to manipulate you into handing over your money willingly. This makes them a more menacing threat – harder to track down, and harder to recover your losses. Over time, scams are exposed (such as the infamous emails from the Nigerian prince) and consumers are forewarned. But each time the jig is up, the scammers move on to their next method, expertly deceiving even the savviest of money managers. Here are three current scams hitting consumers, and how best to avoid being the next scam victims.
Computer Hacking A concept that didn’t even exist a generation or two ago, computer hacking is a huge inroad for scammers. Phishing emails, often appearing to come from a trusted source, are commonly used to trick you into giving scammers access to your computer. They ‘fish’ for your personal details by encouraging you to click on a link or attachment, installing malicious software to access your information, such as account details and passwords. Also, beware of scammers who call you at home and claim that your computer is infected with a virus or experiencing technical issues. They may also take advantage of internet issues in your area and pose as internet providers or the NBN. Granting remote access to your computer allows the scammer to install malware and spyware to collect your personal details.
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In 2018, 3.3 million people were responsible for some type of online fraud against them.
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To avoid these scams, keep your computer security upto-date with anti-virus and anti-spyware software, and a good firewall. Be cautious of calls or emails offering help that you haven’t asked for and never click on links or open attachments in an email from an unverified sender.
Online Shopping Scammers know that timepoor people love to shop online, and are ready to take advantage. It’s an environment where you typically pay upfront for goods to be received in the future, requiring a leap of faith that the goods will arrive. It’s not hard for scammers to set up a legitimate looking online store to take money, giving a faulty or inferior quality item, or nothing at all in return. They may also pretend to sell a product just to gather your credit card or bank account details. These scams are exposed over time and the websites shut down, but they
have a window of opportunity to fleece a lot of people. Another method is posting fake ads on legitimate classifieds websites, such as Facebook marketplace. These may be for rental properties, pets, used cars and will often be cheaply priced. If you show interest in the item, the scammer may claim that they are travelling or have moved overseas and that an agent will deliver the goods following receipt of payment. Following payment you will not receive the goods or be able to contact the seller. Some websites offer ridiculously cheap products and can be legitimate, or we take the risk thinking if the product doesn’t arrive, we’ve only lost $10. But remember that the vendor may now have your credit card details. To avoid this, ensure you make payments only through a website’s secure payment method—look for a web address starting with ‘https’ and a closed padlock symbol.
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Job and employment scams Job and employment scams involve offers to work from home or set up and invest in a ‘business opportunity’. These scams are often promoted through spam email or online advertisements. Some may offer a high salary or large investment return following initial upfront payments, purportedly to cover a ‘business plan’, training course, software or similar.
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Be very wary if you receive an offer to participate in a scheme that requires you to recruit people—it could be a pyramid scheme, illegal in Australia. These schemes trick even the savviest of people into paying large upfront joining or membership fees to participate in the promise of significant money-making ventures. These schemes work by recruiting people for their joining fees rather than selling a legitimate product or service.
Some offers may be a cover for illegal money laundering activities, where you are asked to receive payments into your bank account for a commission and then pass the money on to a foreign company. This is money laundering and is illegal.
they share it? Ask questions and do some research - ask around, search online and check ASIC’s Australian Financial Services licensees register. Trust your gut – if you are not getting answers to your questions, it’s likely a scam.
If you receive an offer to make money that sounds too good to be true, it probably is. If a stranger knew a secret to making money, why would
If you have been unlucky enough to fall victim to a scammer, be sure to report it to the ACCC to help protect others. Business Matters
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Warren Buffett’s 6 SECRETS
TO IMPROVING YOUR CAREER If there is anyone worth listening to about success, it has got to be Warren Buffett. Not only is he one of the richest men in the world, but he is also one of the few billionaires who is a part of the Giving Pledge – a group of ultra-wealthy people who vow to give away 90 percent of their money to charitable causes.
improving your career from The Oracle of Omaha, as he is known in investment circles:
Follow your path and ignore the noise
Fortunately, he is not just generous with his wealth. The octogenarian also likes to share his hard-earned wisdom.
Warren Buffett is primarily known as the world’s greatest investor. Naturally, most of the wisdom he shares will be pulled right out of his investment playbook.
Here are a few of the most thought-provoking secrets to
As an investor, he is famous for avoiding hot markets. In
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2019, instead of joining the rest of the investment world in investing in the S&P 500, he chose to buy back much of the stocks in his investment firm, Berkshire Hathaway. His discipline in following his path and rules has made him an excellent investor. But this is not only relatable to investing, it can be applied to any career path. In a sense, his adherence to his philosophy tells us that
there is no replicable path to the career you want.
Invest in yourself “Invest in yourself� is one of the most oft-repeated investment advice. Warren Buffett, however, takes this advice even further by being more specific. He suggests that the first selfinvestment that you make is in your communication skills. “The one easy way to become Business Matters
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worth 50 per cent more than you are now — at least — is to hone your communication skills — both written and verbal,” he says in his LinkedIn video. A business thrives when workers know how to communicate effectively with each other. Communication skills, therefore, is a sure way to make yourself an effective member of any organisation you wish to join. For Buffett, communication is such a valuable tool that he has his $100 Dale Carnegie communications course diploma framed in his office.
Surround yourself with people you admire It is not a secret that Warren Buffett is a close friend of Microsoft founder and philanthropist Bill Gates. The Berkshire Hathaway chairman even followed Gates’ lead in the Giving Pledge initiative. 28 Business Matters
In a lot of ways, this is not a surprising move because Warren Buffett believes that whom you associate with has a lot to do in what you become. And he is not simply talking about friends here; he also pertains to his relationships. His wife, who has supported him throughout the years, has been instrumental in his success. Marrying Astrid Buffett, he claims, changed his aspirations for the better.
Seize opportunities but don’t be afraid to let go Warren Buffett has had his fair share of investing mistakes in his career. In Google’s early stages, for example, he decided not to invest. In just a few years later, Google’s shares were valued at trillions of dollars. He showed his frustration in one of the annual shareholder’s meetings of Berkshire Hathaway by simply saying, “I blew it.”
But even a trillion-dollar mistake was not enough to deter him from seizing opportunities. He famously struck a $5 billion deal with Goldman Sachs in the aftermath of the 2008-2009 housing market collapse. The deal has been a resounding success for him and Berkshire Hathaway. If he had let the deals he let by like Google affect his judgement, he might never have the mettle to close the deal with Goldman Sachs. So, do the same for your career. Take chances and do not let your past mistakes keep you from grabbing opportunities available to you.
Take good care of yourself Warren Buffett is infamous for loving McDonald’s. It would have been another story if the octogenarian said he liked it as an investment, but that is not the case. He eats
McDonald’s drive-thru for breakfast every morning. However, he counteracts it with an exercise routine that not a lot of 20-yearolds can emulate – reading. And, he reads religiously every day, claiming that he reads 80 percent of his day. Surprisingly, doctors agree that reading burns off calories. He also adds physical exercise to his routine from time to time. He says, “either you eat better or you exercise.” He chose to exercise.
Don’t let money be your barometer for success Most importantly, Buffett shares success should not be based on how much money you have earned. Instead, he believes it is measured by whether the people close to you are happy and love you.
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Entrepreneurs Who Made It
So you want to be an entrepreneur. You’ve got big dreams of starting your own business and watching it grow into something truly great. That’s absolutely possible, but it’s going to take a lot of hard work and dedication to push through the challenges ahead of you. The best first step for any aspiring entrepreneur is to take some time to really get inspired, and start building a community of successful people to support and motivate you along the way. This step gets overlooked a lot, but it’s the key to helping you turn a dream into a goal—something you can plan out and actually tackle. There is no one right way to get inspiration. It is deeply personal and derives from what is important to and what drives you. But no matter where you find it, it is often an integral part of what keeps you going when times get tough. Check out these success stories to help channel that inspiration into concrete action toward building your business.
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Entrepreneurs Who Made It Mark Cuban Serial entrepreneur Mark Cuban wasn’t born into wealth. At age 24 he lived in a cramped 4-bedroom apartment with 5 of his closest friends. What he was born with, however, is a desire to learn. He read everything that he could get his hands on in every industry that he wanted to get into. When he was still in university, he devoured books on entrepreneurship, bought a struggling pub and turned into the hottest ticket in town. But, unlike most fledgling start-up founders, he never read to find his next big idea. “Everyone has an idea,” he says. “The hard part is doing the homework to know if the idea could work in an industry, then doing the preparation to be able to execute on the idea.” He read purposefully to gain what he calls a knowledge advantage in the field he’s trying to enter. This learner’s mindset has given birth to a media empire, an NBA team, and an impressive start-up investment portfolio. His meteoric success has also gained him quite the following. The notoriety as entrepreneur paved the way for his being cast in the hit reality show Shark Tank.
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Jamie Siminoff The public first heard of Jamie Siminoff in Shark Tank. Siminoff was angling for investment from Mark Cuban and the rest of the entrepreneur cast. However, none of the entrepreneurs on the show saw the value of Door Bot, his innovative camera-equipped doorbell that let users see who’s at the door through their smartphones. The publicity he got from the show, however, gave his company a small nudge in profit margins. However, it wasn’t until billionaire Richard Branson stumbled upon Door Bot which was later on rebranded into what we now know as Ring did he feel validated about his product. The business mogul invested in the company which helped Siminoff scale the business. The crowning glory for the young inventor/ entrepreneur was when Amazon decided to buy the company for a whopping $1 billion. It was a shocking amount of money and it was an even more shocking offer to the cast of Shark Tank who didn’t invest in it when they had the chance. To this day, Ring is still one of the most successful products to ever grace the set of Shark Tank.
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Hudson Hale From work-from-home setups to online selling businesses, people have been hard at work trying to find ways to keep working during lockdowns. But, for one young COVID-19 survivor, 17-year old Hudson Hale, the way forward was through sheer intuition and a whole lot of guts. Hudson and his family members all contracted and survived the virus. Having suffered from the symptoms himself, he knows just how deadly and difficult it is. He wanted to help ease the burden of the virus. But he was a 17-year old student with no means to do it. So, settled on a catchy name - COVID Candies. At first, he was hesitant that naming a candy brand after a deadly virus would be too morbid for people to buy it. He, however, chose to set his worries aside and get to work on the product. He designed the packaging and enlisted the help of a friend to set up a website for people to order from. It proved to be a success. He has more orders than he could produce. The proceeds from which went directly to COVID-research related endeavours. For Hale, it’s basically real-time proof of concept that he can intuit a market need and fulfill it.
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Recipes....
Transform Your Office Lunch This year, we’ve had to cook more than ever before, rather than grab takeaways. It may have taken a while to adjust, but the palpable financial upside to cooking at home also has some less obvious health benefits.
give you. It’s just so much easier to limit the amount of food you eat when you prepare your own meals. Restaurants often serve you more food than you really need adding to the global problem of food waste.
One of the most important benefits is that cooking at home gives you the ability to monitor the quality of ingredients that go into your food. This way, you can toss the chemical additives and other harmful ingredients in the bin.
Hopefully, we don’t lose all these benefits as we slowly go back to our offices. Luckily, there are some healthy lunch recipes that are easy to prepare, inexpensive, portable, and most importantly, healthy. Here are a few of our favourites.
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Falafels are comfort food for a lot of people. The problem with some restaurants and cafes is that they’re often deep-fried. That’s why this baked falafel recipe would make the perfect office lunch. It’s not only healthy, but it’s also easy to add to a simple salad or throw into a wrap. 36 Business Matters
Baked Falafels INGREDIENTS • 1 (15- to 19-ounce) can chickpeas (drained) • 2 tablespoons olive oil • 2 garlic cloves (chopped) • 1 small onion (chopped) • 1 teaspoon coriander
INSTRUCTIONS Step 1 - Preheat your oven to 350°F and coat your baking tray with your favourite olive oil. Step 2 - Mash your chickpeas using a mortar and pestle. You can also use a food processor if you have one handy. But don’t mash it until it’s too fine. You may want to keep some pieces of chickpeas halfway mashed. This should give the final product a bit more crunch. Step 3 - Add the rest of the ingredients and mix them all together until you create a paste-like texture.
• 1 tablespoon fresh parsley (chopped) • 2 tablespoons all-purpose flour • 1/2 teaspoon baking powder • 1 teaspoon cumin • Salt (to taste) • Pepper (to taste)
Step 4 - Shape into balls the size of ping pongs and place in the preheated baking tray. Step 5 - Keep in the oven for approximately 15-20 minutes making sure to turn it at about 7th or 10th minute to make sure it cooks through evenly. Step 6 - Wrap it on a piece of pita bread with diced cucumbers, lettuce, tomatoes, and your choice of sauces. If falafels don’t do the trick for you, you can also prepare something a little more substantial - a good oldfashioned sandwich. This smoked trout and cucumber pâté which you can spread onto bread should do the trick.
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Smoked Trout and Cucumber Sandwich Spread
Making a spread is the ultimate practice in lunch versatility. From pita to baguette, you can use any bread you prefer. It’s a delicious and filling treat that will give you the energy you need to finish the workday strong.
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INSTRUCTIONS 1. Step 1 – Shave the fish into a mixing bowl and throw in the quark, horseradish sauce, and lemon juice. Blend well until all the pieces of fish are covered with the pâté. 2. Step 2 – Spread onto your bread of choice and top the tasty trout pâté with cucumber slices. Add some watercress if you prefer.
INGREDIENTS • • • • •
½ a 250g tub quark squeeze lemon juice ½-1 tsp horseradish sauce ¼ cucumber, sliced 125g pack skinless hot-smoked trout fillets • 25g watercress • 2 handfuls cherry tomatoes, to serve
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ISSUE! FEATURING EXPERT GUIDANCE ABOUT BOUNCING BACK AFTER DISASTER... AND WHY YOU SHOULDN’T INDUCT YOUR STAFF
HOW TO GET INSPIRED TO START A BUSINESS
Coming soon! 40 Business Matters