"BiziNet Magazine #93 - Nov/Dec 2018" BiziNet™ Articles

"Data is the new oil. It's valuable, but if unrefined it cannot really be used. It has to be changed into gas, plastic, chemicals, etc. to create a valuable entity that drives profitable activity; so must data be broken down, analysed for it to have value." - UK Mathematician Clive Humby

Another year is coming to an end and it's time to draw the line and see what this year was like to make sure the next one turns out even better.

Small businesses - the backbone of the local economy

Did you know that the majority of businesses in The Hills are small businesses? These include home-based businesses, start-ups, established family companies, small and medium-sized businesses - all adding to the economic activity of local community and the NSW economy.

Recently I wrote about personal insolvency statistics revealing an increase of 5.6% between 30 June 2017 to 30 June 2018 and that the increase should not be easily dismissed given the present and emerging landscape when considering a lack of real wage growth, increasing living costs and increasing mortgage costs. This article will discuss what you should do if you can't pay your debts.

For centuries parties to a contract were free to determine the terms of their arrangement. Within limits, whatever the terms were the parties were bound. The Courts would uphold the terms they entered into.