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To save or not to save? – That is the question

Well 2020 has not been the year that anyone had predicted – with the storms, floods, fires, virus pandemic and the odd plague of locusts, some could argue that the End of the World is nigh. To say 2020 has been difficult is an understatement. However, the aftermath of these natural disasters will be unprecedented and challenge what we perceive as normal – economically, politically, socially and financially.
A common difficulty I am hearing from business owners is how to ensure their team is properly resourced. Too many staff and you face issues of cost inefficiency; too few and there are problems around productivity and income generation.

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