Blog
2016(8)
- Forecasts projections and budgets 18-04-2016
- Some lessons from NZ in the 1792 - 1840 06-04-2016
- Nature the great game changer 22-02-2016
- TPPA 10-02-2016
- Tourism is creating some interesting businesses 26-01-2016
- Digital prospecting for clients is an increasingly crowded space 12-01-2016
- A slow giant is still a giant! 06-01-2016
- Housing affordability is no news 01-01-2016
2015(5)
- Bad budgets are like a blunt knife 25-08-2015
- What are accountants thinking 14-08-2015
- Where are the customers yachts? 26-03-2015
- I was not misled: I simply was wrong - Warren Buffet 03-03-2015
- Being Wrong - holiday reading 07-01-2015
2014(8)
- Top performance takes intention and followup 27-11-2014
- Credibility trumps skill 11-08-2014
- If you don't sell a terrible thing happens..... 16-07-2014
- This sat me on my heels for a minute 08-05-2014
- Financial instability 19-04-2014
- Medical insurance 13-03-2014
- A good day out 25-02-2014
- Car buying 24-01-2014
2013(9)
- Employment needs a new model 21-11-2013
- Doing nothing much well is critical 19-11-2013
- Small change in terms big change in profit 29-10-2013
- The yacht race is a great business metaphor 26-09-2013
- Tax rules are difficult 20-07-2013
- How much soldiering on is good 01-07-2013
- Counter intuitive behaviours needed to win 16-05-2013
- Is your business adapting 05-04-2013
- Time it marches on 19-02-2013
2012(14)
- Accountants are good for business 27-11-2012
- Actually NZ is better than you think 19-10-2012
- BYOD - a current business trend 19-09-2012
- Supply and Demand 28-08-2012
- Administration the invisible force 08-08-2012
- Fees for monthly payments 15-07-2012
- The new hourly rate 25-05-2012
- Beijing 20-04-2012
- Electronic tools 03-04-2012
- China 2012 v 2005 16-03-2012
- Year end 02-03-2012
- The taxman cometh 17-02-2012
- Trust 13-01-2012
- Holidays 09-01-2012
2011(25)
- Rationale behaviour creates undesirable results 09-12-2011
- Accounting skills are most valuable in tough times 02-12-2011
- On-line advertising 28-11-2011
- Social Welfare with a hard edge 10-11-2011
- Entitlement and fairness 03-11-2011
- Technology opportunities 28-10-2011
- Distractions aplenty 28-10-2011
- Exchange rate management 23-09-2011
- Holidays are good 15-09-2011
- Giving it away? 15-09-2011
- Penny and Hooper 26-08-2011
- A perfect size 05-08-2011
- Is it time to buy that offshore business? 29-07-2011
- Value 23-07-2011
- Capital Gains Tax myths 08-07-2011
- The cost of monthly payments 15-06-2011
- Cars their Colour and FBT 06-06-2011
- And they're ready 26-05-2011
- What if Australia needs an extra 500,000 staff 13-05-2011
- Lean Accounting 08-05-2011
- Common themes for most businesses in NZ at the moment 11-04-2011
- Funding Development Projects 22-03-2011
- How good are your financial processes? 22-02-2011
- When did you last think about your structure? 22-02-2011
- Key business issues to think about at the moment 22-02-2011
Small change in terms big change in profit 29-10-2013
The change is ever so politely titled "a change to the way we charge interest on ANZ Credit Cards".What it means is that there are now zero days of free credit on a visa card unless you pay it off in full. If you do not pay it off in full you keep paying interest until it is paid off in full.
This is a great business decision for ANZ and a good process for introducing it.
Have you had a look at the words of your terms and how it is being applied lately. Unless you go through that process annually there is usually at least 1% of margin to be found by managing terms carefully.
Blog
2016(8)
- Forecasts projections and budgets 18-04-2016
- Some lessons from NZ in the 1792 - 1840 06-04-2016
- Nature the great game changer 22-02-2016
- TPPA 10-02-2016
- Tourism is creating some interesting businesses 26-01-2016
- Digital prospecting for clients is an increasingly crowded space 12-01-2016
- A slow giant is still a giant! 06-01-2016
- Housing affordability is no news 01-01-2016
2015(5)
- Bad budgets are like a blunt knife 25-08-2015
- What are accountants thinking 14-08-2015
- Where are the customers yachts? 26-03-2015
- I was not misled: I simply was wrong - Warren Buffet 03-03-2015
- Being Wrong - holiday reading 07-01-2015
2014(8)
- Top performance takes intention and followup 27-11-2014
- Credibility trumps skill 11-08-2014
- If you don't sell a terrible thing happens..... 16-07-2014
- This sat me on my heels for a minute 08-05-2014
- Financial instability 19-04-2014
- Medical insurance 13-03-2014
- A good day out 25-02-2014
- Car buying 24-01-2014
2013(9)
- Employment needs a new model 21-11-2013
- Doing nothing much well is critical 19-11-2013
- Small change in terms big change in profit 29-10-2013
- The yacht race is a great business metaphor 26-09-2013
- Tax rules are difficult 20-07-2013
- How much soldiering on is good 01-07-2013
- Counter intuitive behaviours needed to win 16-05-2013
- Is your business adapting 05-04-2013
- Time it marches on 19-02-2013
2012(14)
- Accountants are good for business 27-11-2012
- Actually NZ is better than you think 19-10-2012
- BYOD - a current business trend 19-09-2012
- Supply and Demand 28-08-2012
- Administration the invisible force 08-08-2012
- Fees for monthly payments 15-07-2012
- The new hourly rate 25-05-2012
- Beijing 20-04-2012
- Electronic tools 03-04-2012
- China 2012 v 2005 16-03-2012
- Year end 02-03-2012
- The taxman cometh 17-02-2012
- Trust 13-01-2012
- Holidays 09-01-2012
2011(25)
- Rationale behaviour creates undesirable results 09-12-2011
- Accounting skills are most valuable in tough times 02-12-2011
- On-line advertising 28-11-2011
- Social Welfare with a hard edge 10-11-2011
- Entitlement and fairness 03-11-2011
- Technology opportunities 28-10-2011
- Distractions aplenty 28-10-2011
- Exchange rate management 23-09-2011
- Holidays are good 15-09-2011
- Giving it away? 15-09-2011
- Penny and Hooper 26-08-2011
- A perfect size 05-08-2011
- Is it time to buy that offshore business? 29-07-2011
- Value 23-07-2011
- Capital Gains Tax myths 08-07-2011
- The cost of monthly payments 15-06-2011
- Cars their Colour and FBT 06-06-2011
- And they're ready 26-05-2011
- What if Australia needs an extra 500,000 staff 13-05-2011
- Lean Accounting 08-05-2011
- Common themes for most businesses in NZ at the moment 11-04-2011
- Funding Development Projects 22-03-2011
- How good are your financial processes? 22-02-2011
- When did you last think about your structure? 22-02-2011
- Key business issues to think about at the moment 22-02-2011