Listening to the radio today, I was struck by the speaker’s complaint about how “the credit crunch” was still causing problems to his business.

It got me thinking. What was really at the heart of his problem?

The Credit Crunch refers to a bank’s unwillingness to lend money. Was he looking for a loan? If so, what for? To invest in greater capacity? To launch a new line of products or services? To help with poor cashflow?

If it was the last reason, I can understand the bank’s reluctance to lend, and crunch his credit.

Banks have not helped themselves in recent months, but their core purpose remains the same: to lend money to businesses. In return they expect a profit on their investment.

If you are having difficulties convincing your bank to lend money to you, maybe it’s because of something you need to do, or say.

If you need help talking to your bank, let me know. I might be able to help.

Talked to a friend this morning about their work, and in particular about how much “Pink Stuff” she had to deal with.

“What is Pink Stuff? I asked. Pink Stuff is all the paperwork, correspondence and other stuff that clogs up your day, preventing you from focussing on whats really matters. Pink Stuff might be administrative or financial tasks, reading general information, or just junk mail, but it demands that you deal with it.

How much time though? Do you ever sit back and wonder where the morning has gone? Maybe you are dealing with more Pink Stuff than you think…

If you are spending too much on the Pink Stuff, maybe you need someone to help look after it, so you can focus on the important stuff.