Over the past 15 years I've had the privilege to advise clients from all walks of life on how to protect and grow their wealth. In that time I've uncovered something; there are a group of people who, unexpectedly, are awful when it comes to managing their finances… business owners.
The town of St Gallen, just off Lake Constance in the east of Switzerland, is best known for its picturesque old streets and world heritage abbey. It also has one of the best management schools in Europe, rivalling the likes of the London Business School and Insead, and its university is home to a successful international annual student-run business symposium. Last weekend it was also host to an unusual initiative: the so-called KickOff session of this year's Law Without Walls.
Do not underestimate the importance of complying with mortgage lenders' requirements, warns Richard Twyford as he explains how you can meet their standards
The VAT exemption for cost sharing groups will improve the delivery of services by not-for-profit organisations, says Shivaji Shiva, but there are still obstacles and concerns to tackle