Bad debt costs businesses big time. Regardless of the size of your business, you need to have sound credit management policies. At the very least, ensure you have a formal credit policy and detailed credit terms that you share with all customers. Undertake credit checks on new customers and monitor existing customers to see if they can still pay their account. Take every action to trace customers who vanish with debts. Engage specialists to help you find them and don't just write off the debt.

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Why use 100 words when 30 would do? Short, punchy quotes on important topics can have more impact than a talkfest or pages of text. Alvin Toffler once wrote "The illiterate of the future will not be the person who cannot read. It will be the person who does not know how to learn" (nd). This made me think of the ‘programmed knowledge' we all have, gathered from years of experience. It is so ingrained we don't even think about it,

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 There's nothing new about action learning – Reg Revans introduced it in the 1940s – yet it is still a powerful model for personal, group and organisational change. This is especially so today with unpredictable, major global challenges and rapidly changing environments. Individuals in every workplace today need to be able to act and learn simultaneously and do so continuously. If you haven't already discovered the World Institute for Action Learning, check out: For a comprehensive guide on action learning,

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McKinsey Quarterly's latest article on bringing about organisational change and enhancing your chances of success, is well worth a read. They suggest only about a third organisational change programmes are successful. To get some tips on how to increase your changes of success, look at:

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