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2 years ago · by · 0 comments

Implications on the Business’ Personal Guarantors

When a Business that Li Ka Shing had Stakes in Liquidates

Sometimes we are oblivious to the brutal consequences of our decisions until it is too late. Instead of experiencing the hard knocks of the business world first-hand, we should spare ourselves from potential heart aches by learning lessons from others.

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2 years ago · by · 0 comments

Being a Personal Guarantor

What Does it Mean to Be a Personal Guarantor?

Across the board financial institutions have tightened their reins on lending. As a result, business owners are expected to become personal guarantors for whole or partial loan amounts that they would like to take up. In fact, this has become a business norm. A personal guarantee has become a necessary evil to business owners. Becoming personal guarantors adds to the risks that a business owner assumes. But without which a business owner may be unable to fund a business expansion plan or buy inventory required to stay in business.

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2 years ago · by · 0 comments

Recession, A Positive Outlook

Recession-Proof Your Business and Manage Your Personal Liability & Risks

Recessions are often portrayed to be all doom and gloom. For businesses, it often means dismal income statements and profit margins. This prompts many business owners to succumb to knee-jerk reactions. One of which is to implement aggressive pricing incentives and cost cutting measures in the hopes of riding it out.
As ominous as it might seem, recessions are not just about business threats. Amid poor market sentiments, they are also times for business opportunities. While being conservative is sometimes the best approach, business owners can also take the road less travelled by pursuing growth more aggressively than before.

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2 years ago · by · 0 comments

Boardroom Disagreements

Disagreements in the Boardroom – A Buy-Sell Agreement Can Ease Changes in Business Ownership

Have you been in situations when you do not see eye to eye with your board members or partners? Are their opinions not in sync with yours most of the time?

Boardroom disagreements are inevitable. Over the years, there are probably more disagreements than you would like to remember. There is, of course, no lack of reasons for board members or partners to disagree. They could stem
from differences in management style or business direction. The result is tension between board members or partners that fester and undermine the overall health of the company.

These disputes can arise in good times or bad times. Sometimes, board members point fingers at one another when the business is lacklustre. Other times, differences in ideas to add more value to a business cause friction. Do you sometimes feel desperate for change?

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2 years ago · by · 0 comments

Avoid Becoming the Victim of Partnership Woes

In the course of my work, many clients share their personal and professional lives with me. I listen to what they have to say, intently and empathetically. Sometimes, I have a solution to share with them – finance-related or not. Other times, I simply offer a listening ear.

One such client approached me with his business woes. He wanted me to assess his personal and business finances, before committing to a change in partnership ownership.

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2 years ago · by · 0 comments

Are You in Business with Friends? What Happens to the Partnership in Worst Case Scenarios?

A friend is often the first candidate to consider for a business partnership. And indeed, having two like-minded individuals chase a single business pursuit can be very gratifying at the beginning. However, a partnership based on a friendship could be both a bane and a boon, as personal and business lives mix. You never know when you could be thrown to either end of the spectrum.

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2 years ago · by · 0 comments

Protect your business with these 5 steps – A guide for SMEs in Singapore

If you’re a SME in Singapore you should make a conscious effort to protect your business. The Singapore Government (and many others around the world) makes you take out an insurance policy when you renew your road tax, hire a domestic helper or own property. Why aren’t business owners required to do the same?

The simple answer is that the Government doesn’t want to make it too difficult to start a business in Singapore. But that doesn’t mean the risks aren’t there.

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2 years ago · by · 0 comments

Partnership Agreements – 5 Things Commonly Overlooked By SMEs

Bad Partnership Agreements or not having one can cost you. Singapore’s corruption-free and efficient civil service makes it widely cited as one of the easiest cities in the world to start a business. But, while it is easy to get a company started, it is also just as easy to make major mistakes right from the start. Here are the 5 mistakes commonly made by business owners when forming new companies, which may threaten their business or their families.

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