<div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="0 seconds we're here on a wonderfully autumnal day in northeast lincolnshire at the business hive in the fantastic town of">we're here on a wonderfully autumnal day in northeast lincolnshire at the business hive in the fantastic town of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 seconds grimsby and i would like to welcome rick smith to the insight for business">grimsby and i would like to welcome rick smith to the insight for business</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 seconds podcastio thank you for joining us rick you're more welcome as a little icebreaker">podcastio thank you for joining us rick you're more welcome as a little icebreaker</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 seconds can you please tell me what was the very first job you did that you got paid for">can you please tell me what was the very first job you did that you got paid for</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 seconds it was um i worked in a a shooting school">it was um i worked in a a shooting school</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 seconds not that we shot anybody but it was more about um i was paid 20 pence a week to go and">not that we shot anybody but it was more about um i was paid 20 pence a week to go and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="34 seconds collect um clay pigeons that have been shot so all the pieces were in there">collect um clay pigeons that have been shot so all the pieces were in there</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="39 seconds in the farmer's field and i uh had a bucket with me that uh">in the farmer's field and i uh had a bucket with me that uh</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="45 seconds um we used to go and collect all these clay pigeons uh but">um we used to go and collect all these clay pigeons uh but</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="50 seconds you know thinking back then there was a guy called bill uh he's in his eighties at that time and">you know thinking back then there was a guy called bill uh he's in his eighties at that time and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="55 seconds i was a young lad and um he had his pipe he had his metal book he">i was a young lad and um he had his pipe he had his metal book he</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute had his walking stick and he used he was better than me and it's like wow i've got to step up here somewhere and uh">had his walking stick and he used he was better than me and it's like wow i've got to step up here somewhere and uh</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 7 seconds yeah yeah so 20 pence a week 20 pence a week right yeah yeah those are days">yeah yeah so 20 pence a week 20 pence a week right yeah yeah those are days</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 13 seconds yeah well done so um one key point um that i've learned about">yeah well done so um one key point um that i've learned about</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Importance of engaging early">Importance of engaging early</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 19 seconds business rescue and recovery is that engaging early on can be of critical importance">business rescue and recovery is that engaging early on can be of critical importance</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 26 seconds can you expand on just what sort of difference this can make to a business by starting a conversation early in the">can you expand on just what sort of difference this can make to a business by starting a conversation early in the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 33 seconds process and are there any warning signals businesses should look out for">process and are there any warning signals businesses should look out for</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 38 seconds yeah the problem we come across is that people are battling every day they're fighting within their businesses and um">yeah the problem we come across is that people are battling every day they're fighting within their businesses and um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 46 seconds and once they come across a problem they apply the same approach to sort of fight it or to deal with it should i say">and once they come across a problem they apply the same approach to sort of fight it or to deal with it should i say</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 54 seconds um and and they don't sort of look to um">um and and they don't sort of look to um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="1 minute, 59 seconds get outside assistance or or get support within that unless it clearly falls within a line of of um">get outside assistance or or get support within that unless it clearly falls within a line of of um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 6 seconds a specific service they can uh get assistance with so um you tend to then find people will">a specific service they can uh get assistance with so um you tend to then find people will</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 13 seconds tend to battle with this for some time and it will build up and it will build up and">tend to battle with this for some time and it will build up and it will build up and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 18 seconds um it gets the point where they then have to get some assistance because it's um it's outside their their">um it gets the point where they then have to get some assistance because it's um it's outside their their</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 25 seconds capability their remit to be able to deal with it what what's happening did they see that we need it did does it">capability their remit to be able to deal with it what what's happening did they see that we need it did does it</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 30 seconds build up to that point what's that point yeah you know if you've got a a letter for">build up to that point what's that point yeah you know if you've got a a letter for</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 37 seconds winding up a petition being served upon you if you've got um uh you know a high">winding up a petition being served upon you if you've got um uh you know a high</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 42 seconds court enforcement officer going to attend your premises things of this nature that you know it's that point of">court enforcement officer going to attend your premises things of this nature that you know it's that point of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 48 seconds them understanding where when do i need help and unfortunately">them understanding where when do i need help and unfortunately</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 53 seconds they see it too late really and therefore the tools that we have um you know">they see it too late really and therefore the tools that we have um you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="2 minutes, 59 seconds there's limited amount of tools we can therefore apply and a lot of our energy initially is to you">there's limited amount of tools we can therefore apply and a lot of our energy initially is to you</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 5 seconds know when we first go into a company it's it's more about what's our predatory threat you know what what what">know when we first go into a company it's it's more about what's our predatory threat you know what what what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 11 seconds is our main problem here uh and and then how">is our main problem here uh and and then how</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 16 seconds long have we got to sort of deal with that main problem so it's it's really back to um">long have we got to sort of deal with that main problem so it's it's really back to um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 23 seconds the owners sort of understanding that they need some assistance here but i'm hopeful that due to the pandemic">the owners sort of understanding that they need some assistance here but i'm hopeful that due to the pandemic</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 30 seconds they are um their um their worlds i suppose have changed in">they are um their um their worlds i suppose have changed in</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 36 seconds how they're operating they're having to mount i don't diversify more than to look at it from a different perspective">how they're operating they're having to mount i don't diversify more than to look at it from a different perspective</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 42 seconds and the hope therefore is that they they then look to take advice from advisors who can plug those gaps for them and and">and the hope therefore is that they they then look to take advice from advisors who can plug those gaps for them and and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 49 seconds give them that sort of um i suppose non-blinkered approach">give them that sort of um i suppose non-blinkered approach</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="3 minutes, 54 seconds to uh their operations because the other thing we find is they get stuck into um">to uh their operations because the other thing we find is they get stuck into um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes their business and and we call it blinkered um and they don't see">their business and and we call it blinkered um and they don't see</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 6 seconds the business for what the business is when you get somebody independent to it it's not emotionally connected to it">the business for what the business is when you get somebody independent to it it's not emotionally connected to it</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 13 seconds therefore then you get a different perspective of that business coming from that person and that's that's one of the">therefore then you get a different perspective of that business coming from that person and that's that's one of the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 18 seconds important things that we can bring to them is is that and and then the problem is then getting">important things that we can bring to them is is that and and then the problem is then getting</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 24 seconds them to sort of i suppose embrace that because we've always done it that way which is the normal thing we come across">them to sort of i suppose embrace that because we've always done it that way which is the normal thing we come across</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 31 seconds um so getting in earlier is a good thing but getting an area can also come with its">um so getting in earlier is a good thing but getting an area can also come with its</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 38 seconds problems in that um they're not as um accepting">problems in that um they're not as um accepting</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 44 seconds receptive sorry to the to the actual problem that they've got so um you know it's where that line comes time is">receptive sorry to the to the actual problem that they've got so um you know it's where that line comes time is</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 51 seconds everything yeah that's it it's where that line is really so sometimes we can battle to try and get them to sort of">everything yeah that's it it's where that line is really so sometimes we can battle to try and get them to sort of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="4 minutes, 57 seconds change change direction because they're not they don't consider that their problem is big enough for them to do so">change change direction because they're not they don't consider that their problem is big enough for them to do so</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 3 seconds um or the other end of the scope is uh you know when the um when the icon enforcement guys knock on">um or the other end of the scope is uh you know when the um when the icon enforcement guys knock on</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 8 seconds the door they're very open to taking your assistance and guidance so yeah">the door they're very open to taking your assistance and guidance so yeah</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 14 seconds that's that's tough when we when we chatted um the other week that's that's the toughy isn't it">that's that's tough when we when we chatted um the other week that's that's the toughy isn't it</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Mental health">Mental health</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 21 seconds you're not receptive you don't know when i just don't see any other way around improving that other than through">you're not receptive you don't know when i just don't see any other way around improving that other than through</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 27 seconds education through a bit of dialogue through being able to broadcast the message of">education through a bit of dialogue through being able to broadcast the message of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 33 seconds how you can help and just getting it out there in front of people i suppose the thing for me is it yeah">how you can help and just getting it out there in front of people i suppose the thing for me is it yeah</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 40 seconds has been as part of a business network and the community if we're if we are discussing with other business owners">has been as part of a business network and the community if we're if we are discussing with other business owners</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 47 seconds and leaders um and i suppose it's a challenging one to to ask you know and admit to">and leaders um and i suppose it's a challenging one to to ask you know and admit to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="5 minutes, 53 seconds struggling but uh maybe it's a conversation that me you know i'm reminded of maybe the mental health">struggling but uh maybe it's a conversation that me you know i'm reminded of maybe the mental health</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes conversation it's something that you know go back even a decade people are a lot less likely to address">conversation it's something that you know go back even a decade people are a lot less likely to address</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 7 seconds um and it doesn't sound too dissimilar in that it's something that people keep to themselves and and">um and it doesn't sound too dissimilar in that it's something that people keep to themselves and and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 13 seconds aren't willing to talk about maybe it's something that social acceptance into i mean you know definitely from a mental health">aren't willing to talk about maybe it's something that social acceptance into i mean you know definitely from a mental health</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 19 seconds perspective and you know we do get people within that you know varying degrees of mental">perspective and you know we do get people within that you know varying degrees of mental</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 25 seconds health issues due to the fact that you know the pressures of their business their livelihood is is um you know now in the focus and">health issues due to the fact that you know the pressures of their business their livelihood is is um you know now in the focus and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 33 seconds and uh and it can cause those those issues with those people so um i think yeah the more you get it into">and uh and it can cause those those issues with those people so um i think yeah the more you get it into</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 39 seconds the public focus as those type of things the more people are and i think it's getting better you know what">the public focus as those type of things the more people are and i think it's getting better you know what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 45 seconds we are adopting a different mindset now there are very skillful people outside">we are adopting a different mindset now there are very skillful people outside</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 50 seconds of their their business that can give them assistance and um">of their their business that can give them assistance and um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="6 minutes, 56 seconds it's just for them to sort of um you know reach out you know when they need to be reaching out i mean you you reach">it's just for them to sort of um you know reach out you know when they need to be reaching out i mean you you reach</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 2 seconds out to your accountant um you know once a year or you should be doing more yeah this is something">out to your accountant um you know once a year or you should be doing more yeah this is something</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Reaching out">Reaching out</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 7 seconds that i've i found it difficult to understand i saw that the accountant would be a you know one">that i've i found it difficult to understand i saw that the accountant would be a you know one</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 13 seconds of your trusted advisors that i expected this would be a conversation conversation you would be having but">of your trusted advisors that i expected this would be a conversation conversation you would be having but</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 20 seconds yet if you can be if your business you're that you're such have such an emotional connection to is">yet if you can be if your business you're that you're such have such an emotional connection to is</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 27 seconds struggling maybe you want you don't want to admit that there is a problem that's that's the mental health thing i">struggling maybe you want you don't want to admit that there is a problem that's that's the mental health thing i</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 33 seconds think it's like so awareness isn't it i think if we're now more open to to this i think that's a good thing that people">think it's like so awareness isn't it i think if we're now more open to to this i think that's a good thing that people</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 38 seconds feel that they can talk to their accountants say they're struggling um but you know">feel that they can talk to their accountants say they're struggling um but you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 44 seconds that's that's your financial area there's obviously a lot of other areas of your business that um that need">that's that's your financial area there's obviously a lot of other areas of your business that um that need</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 50 seconds looking at or might need looking at so it's um but i say people like that or indeed you go to a solicitor if">looking at or might need looking at so it's um but i say people like that or indeed you go to a solicitor if</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="7 minutes, 56 seconds somebody's serving you of a statutory end of some description though so it's um but it's like i say it's always a">somebody's serving you of a statutory end of some description though so it's um but it's like i say it's always a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 2 seconds case when it's it seems to be the case more or not as much now i'm going to say but people do">case when it's it seems to be the case more or not as much now i'm going to say but people do</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 7 seconds reach out but they need to reach out more um">reach out but they need to reach out more um</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Emotional rollercoaster">Emotional rollercoaster</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 13 seconds that leads me on to another question that i'll throw in at you um">that leads me on to another question that i'll throw in at you um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 18 seconds must be quite emotional under some circumstances then um do you feel a responsibility to help">must be quite emotional under some circumstances then um do you feel a responsibility to help</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 24 seconds your clients with this emotional side of the change that they're going through i">your clients with this emotional side of the change that they're going through i</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 30 seconds can't it must be very prevalent yeah you have to do i mean that they are">can't it must be very prevalent yeah you have to do i mean that they are</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 35 seconds the business in today you know the they are the the ones that are making the decisions within the business and it's">the business in today you know the they are the the ones that are making the decisions within the business and it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 41 seconds it's therefore important to um you know to build that relationship with them">it's therefore important to um you know to build that relationship with them</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 47 seconds and um and and to try and um work with them uh whilst they're in">and um and and to try and um work with them uh whilst they're in</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="8 minutes, 53 seconds this emotional rollercoaster and um and be that sort of rock for them as">this emotional rollercoaster and um and be that sort of rock for them as</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes they're going through it because it's not you know you're not just going to come in and inject them in the arm and everything's going to be good you know">they're going through it because it's not you know you're not just going to come in and inject them in the arm and everything's going to be good you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 5 seconds it's got there is still going to be an emotional rollercoaster but the benefit is that there is somebody there to call">it's got there is still going to be an emotional rollercoaster but the benefit is that there is somebody there to call</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 11 seconds upon somebody to put your arm around this you know their shoulder as such and you can um to deal with those problems">upon somebody to put your arm around this you know their shoulder as such and you can um to deal with those problems</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 18 seconds i really did take that away from our conversation recently that you">i really did take that away from our conversation recently that you</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 24 seconds you're that rock yeah you come in and take a load of that pressure straight away">you're that rock yeah you come in and take a load of that pressure straight away</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 29 seconds and that must be quite a release in being able they do it's nice you know they leave">and that must be quite a release in being able they do it's nice you know they leave</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 34 seconds the meeting and they feel elevated weights off the shoulders it's nice when they report that back um">the meeting and they feel elevated weights off the shoulders it's nice when they report that back um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 40 seconds and um but you know we've seen it we've done it they haven't and that's the difference isn't it you know we've for 30 years now">and um but you know we've seen it we've done it they haven't and that's the difference isn't it you know we've for 30 years now</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 47 seconds we've sort of experienced different different industries different you know lots of differences within">we've sort of experienced different different industries different you know lots of differences within</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 53 seconds these industries how it can impact them so we can bring that knowledge and skill set to the table">these industries how it can impact them so we can bring that knowledge and skill set to the table</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="9 minutes, 58 seconds therefore we can give them the support because we know we're in the right position to do so we've got that skill set to um">therefore we can give them the support because we know we're in the right position to do so we've got that skill set to um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 4 seconds you know put their mind at rest at certain areas of their concerns and and fear is a projection of the future">you know put their mind at rest at certain areas of their concerns and and fear is a projection of the future</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 10 seconds so you know it's that so they're projecting this on themselves that it's going to be as bad as what it is um and having or">so you know it's that so they're projecting this on themselves that it's going to be as bad as what it is um and having or</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 17 seconds knowing that um that's not going to be the case and there's a way we can deal with it it's obviously a big relief from them you know they're uh okay this is">knowing that um that's not going to be the case and there's a way we can deal with it it's obviously a big relief from them you know they're uh okay this is</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 24 seconds their livelihood right cool yeah you know this is they need to put food in the table for the kids">their livelihood right cool yeah you know this is they need to put food in the table for the kids</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 30 seconds thank you um so furlough's ending up right about now">thank you um so furlough's ending up right about now</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Furloughs">Furloughs</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 35 seconds um today yeah um here's your last date yeah do you expect that um some businesses">um today yeah um here's your last date yeah do you expect that um some businesses</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 42 seconds may not have planned thoroughly enough for the impact of the wage bill increasing">may not have planned thoroughly enough for the impact of the wage bill increasing</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 47 seconds dc a position that businesses can take based on performance relating to wages in the future and so">dc a position that businesses can take based on performance relating to wages in the future and so</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 54 seconds that remuneration could be linked to business or individual performance perhaps">that remuneration could be linked to business or individual performance perhaps</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="10 minutes, 59 seconds that's one way i thought people may be able to mitigate against making redundancies for instance">that's one way i thought people may be able to mitigate against making redundancies for instance</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 6 seconds yes definitely it's um there will be some out there that haven't seen it or or prepared for it so it will obviously">yes definitely it's um there will be some out there that haven't seen it or or prepared for it so it will obviously</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 14 seconds have a knock on effect um you know there is a lot out there that um">have a knock on effect um you know there is a lot out there that um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 19 seconds that do need to raise capital or invest in their startup">that do need to raise capital or invest in their startup</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 24 seconds as such you know these things have been um mothballed now for quite some time to">as such you know these things have been um mothballed now for quite some time to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 30 seconds for example take the restaurant industry you know if they're going to start to open up then they'll need to um you know">for example take the restaurant industry you know if they're going to start to open up then they'll need to um you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 36 seconds restock their stores and and so forth so there's that element to it so um and then looking at how you mitigate">restock their stores and and so forth so there's that element to it so um and then looking at how you mitigate</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 43 seconds your costings is is a part of that you know the government are not going to assist you anymore um with that so it's">your costings is is a part of that you know the government are not going to assist you anymore um with that so it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 50 seconds how you then work that within your operation um maybe you don't need to be as so much">how you then work that within your operation um maybe you don't need to be as so much</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="11 minutes, 55 seconds staff heavy you know maybe that's that's a alteration you can do maybe you know by maybe can outsource a">staff heavy you know maybe that's that's a alteration you can do maybe you know by maybe can outsource a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 1 second certain area of your business to to cater for that um and it's asking all those questions around the business and">certain area of your business to to cater for that um and it's asking all those questions around the business and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 7 seconds that is is that what you would help business owners when they come you're looking at that whole yeah the whole">that is is that what you would help business owners when they come you're looking at that whole yeah the whole</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 12 seconds range of influences and factors that can be controlled and improved within yeah we">range of influences and factors that can be controlled and improved within yeah we</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 17 seconds look at sort of four pillars of your operation really uh which um from that we can then gather the">look at sort of four pillars of your operation really uh which um from that we can then gather the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 24 seconds relevant data to be able to um run an analysis report">relevant data to be able to um run an analysis report</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 29 seconds that enables us then to sort of get an understanding of this business not only its financial side but obviously its">that enables us then to sort of get an understanding of this business not only its financial side but obviously its</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 36 seconds management side it's markets inside you know all those areas of the business can be looked into and the information is">management side it's markets inside you know all those areas of the business can be looked into and the information is</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 43 seconds gathered of its past and we can look at its present and then we can use that information to start looking towards the">gathered of its past and we can look at its present and then we can use that information to start looking towards the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 49 seconds future how is how we're going to um um if in some instances we cover this from">future how is how we're going to um um if in some instances we cover this from</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="12 minutes, 56 seconds where it's currently in uh to then grow this business moving forward you could do that at any point can't you you could">where it's currently in uh to then grow this business moving forward you could do that at any point can't you you could</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 1 second effectively do that at any point if if you had to worry um and a concern that's a that's a">effectively do that at any point if if you had to worry um and a concern that's a that's a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 8 seconds service which you offer isn't it to give it that appraisal yeah of where the business is at and um it's free i mean">service which you offer isn't it to give it that appraisal yeah of where the business is at and um it's free i mean</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 13 seconds we can't make any freedom free it's free so i mean you know people can engage">we can't make any freedom free it's free so i mean you know people can engage</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 18 seconds with us it's there's a free conference consultation with them yeah and and within that they'll get support and advice anyway and then we're running a">with us it's there's a free conference consultation with them yeah and and within that they'll get support and advice anyway and then we're running a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 25 seconds free business analysis uh report as well so that's like a mini report that you get">free business analysis uh report as well so that's like a mini report that you get</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 31 seconds um and and clients report back this you know it's the first time that they've actually been able to see">um and and clients report back this you know it's the first time that they've actually been able to see</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 36 seconds their business you know for yes you can look at a balance sheet you can look at the p l but to actually have a report">their business you know for yes you can look at a balance sheet you can look at the p l but to actually have a report</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 44 seconds that covers all those four key yeah more of the holistic business">that covers all those four key yeah more of the holistic business</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 49 seconds rather than just that that's financial yeah so so you're going to get that and and within that then you can see okay">rather than just that that's financial yeah so so you're going to get that and and within that then you can see okay</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="13 minutes, 55 seconds something is standing out for me or not or um you know i need to deal with that">something is standing out for me or not or um you know i need to deal with that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes brilliant free analysis report yeah so we can't be better than you can't do better than free certainly">brilliant free analysis report yeah so we can't be better than you can't do better than free certainly</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Free Analysis Report">Free Analysis Report</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 8 seconds yeah start the conversation early that's why we did it we want them to try and we know that you know people want to get back to">yeah start the conversation early that's why we did it we want them to try and we know that you know people want to get back to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 14 seconds where they once were so pre-plummed that pandemic they want to be they was happy">where they once were so pre-plummed that pandemic they want to be they was happy</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 19 seconds that was comfortable the business was doing okay life was fine and now it's changed">that was comfortable the business was doing okay life was fine and now it's changed</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 25 seconds and some for the good one of my company one of the companies i deal with has actually it's">and some for the good one of my company one of the companies i deal with has actually it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 30 seconds done very well for them um due to the pandemic but although a lot of them haven't so they want to get back to where they">done very well for them um due to the pandemic but although a lot of them haven't so they want to get back to where they</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 36 seconds once were and that's a way of going to market with you know a free offering to try and say look just just um engage and">once were and that's a way of going to market with you know a free offering to try and say look just just um engage and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 44 seconds see if we can help you from there might be we can't but what you got to lose i believe one of the">see if we can help you from there might be we can't but what you got to lose i believe one of the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 49 seconds one of the starting points that you you'd like to get them to do is to increase that buffer they have of">one of the starting points that you you'd like to get them to do is to increase that buffer they have of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="14 minutes, 55 seconds capital maybe i mean just for that for that comfort that that can stop the headaches and the worry that was big i">capital maybe i mean just for that for that comfort that that can stop the headaches and the worry that was big i</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 1 second didn't realize i mean i've been pitching that for many years and i didn't realize how">didn't realize i mean i've been pitching that for many years and i didn't realize how</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 7 seconds how big you know a lot of my clients came back to me when this pandemic hit">how big you know a lot of my clients came back to me when this pandemic hit</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 13 seconds and because i've been advising them to the you know the first steps we work towards is having a buffer within your">and because i've been advising them to the you know the first steps we work towards is having a buffer within your</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 19 seconds bank account um three months of of trading to be deposited and then to one side of">bank account um three months of of trading to be deposited and then to one side of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 25 seconds your current trading so you you've got a safety net just in case you need to use">your current trading so you you've got a safety net just in case you need to use</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 30 seconds it and it can be things like you know the problem with hmrc is that you know they they lend you money in essence">it and it can be things like you know the problem with hmrc is that you know they they lend you money in essence</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 37 seconds because you trade and then pay them back once you so um you know it's good that that can come sometimes come and bite">because you trade and then pay them back once you so um you know it's good that that can come sometimes come and bite</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 42 seconds you because you've over ex you know you've you've taken more work so your cash flow has been affected so you've always got this little buffer that you">you because you've over ex you know you've you've taken more work so your cash flow has been affected so you've always got this little buffer that you</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 49 seconds can just tip in as long as you bounce it off again when you're over that curve and that's fine and a lot of people come">can just tip in as long as you bounce it off again when you're over that curve and that's fine and a lot of people come</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="15 minutes, 54 seconds back after it and so that's a godsend you know because they the big thing for them was that">back after it and so that's a godsend you know because they the big thing for them was that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes they weren't panicking there weren't there was no stress to this they know they could trade on for three more">they weren't panicking there weren't there was no stress to this they know they could trade on for three more</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 6 seconds months um and appreciate decision-making doesn't it not that pressure yeah yeah you're completely you know you're not">months um and appreciate decision-making doesn't it not that pressure yeah yeah you're completely you know you're not</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 12 seconds clouded with all this and they could then absorb it better and make better decisions moving forward which is you">clouded with all this and they could then absorb it better and make better decisions moving forward which is you</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 18 seconds know so something as small as that is is is a big big thing that actionable tangible results yeah and brilliant">know so something as small as that is is is a big big thing that actionable tangible results yeah and brilliant</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="End of Temporary Restrictions">End of Temporary Restrictions</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 26 seconds so um temporary restrictions to winding up petitions were wider than originally envisaged as part">so um temporary restrictions to winding up petitions were wider than originally envisaged as part</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 33 seconds of the corporate insolvency and governance act 2020 which is known as sega">of the corporate insolvency and governance act 2020 which is known as sega</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 39 seconds um and they come to an end today 30th of september um">um and they come to an end today 30th of september um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 44 seconds can you give our listeners and wider audience a brief overview of what this means and the likely impact yeah what">can you give our listeners and wider audience a brief overview of what this means and the likely impact yeah what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 50 seconds the government's trying to do and have been from the office to try and get sort of i suppose the right word is more like">the government's trying to do and have been from the office to try and get sort of i suppose the right word is more like</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="16 minutes, 56 seconds a mediation try and get some dialogue between um you know those people i'll keep it">a mediation try and get some dialogue between um you know those people i'll keep it</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 2 seconds simple those people owe money to um and um and try and work together to try and">simple those people owe money to um and um and try and work together to try and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 8 seconds overcome this pandemic so therefore they introduce these um">overcome this pandemic so therefore they introduce these um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 13 seconds these sort of restrictions through the courts um and as you've likely said they're coming to an end as of today but what">these sort of restrictions through the courts um and as you've likely said they're coming to an end as of today but what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 20 seconds they've then done on the back of that they've increased um the to ten thousand pound now uh to to wind the company up">they've then done on the back of that they've increased um the to ten thousand pound now uh to to wind the company up</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 27 seconds you've got to be owed more than ten thousand pounds but they've also then put into place a 21-day">you've got to be owed more than ten thousand pounds but they've also then put into place a 21-day</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 33 seconds stay so that you have to then um sort of prove that you have um">stay so that you have to then um sort of prove that you have um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 40 seconds you know spoken both patters have been in dialogue and um there is no way forward that they've">you know spoken both patters have been in dialogue and um there is no way forward that they've</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 46 seconds hit the loggerheads with uh with this um style and i believe that's until">hit the loggerheads with uh with this um style and i believe that's until</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 52 seconds march 22 i think they've they've got this in place and again it's back to the">march 22 i think they've they've got this in place and again it's back to the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="17 minutes, 57 seconds same is trying to get people to work with one another um to overcome">same is trying to get people to work with one another um to overcome</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 3 seconds you know these these difficult times which we've all experienced be that as individuals with that within business and um and i think">you know these these difficult times which we've all experienced be that as individuals with that within business and um and i think</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 10 seconds what else can we use other than that i think it's the right thing because of that and it's how people">what else can we use other than that i think it's the right thing because of that and it's how people</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 16 seconds um work with it it's what the outcome's going to be in time">um work with it it's what the outcome's going to be in time</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 21 seconds yeah working together imagine that that's it yeah yeah i mean the alternative when we look">yeah working together imagine that that's it yeah yeah i mean the alternative when we look</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 28 seconds at you know it's it's you know you've got to look at the commercial uh viability of your actions">at you know it's it's you know you've got to look at the commercial uh viability of your actions</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 34 seconds against the company um what i've got you know if you're going to start spending your time and">against the company um what i've got you know if you're going to start spending your time and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 39 seconds money trying to recover that monies um how are you you know you've got to">money trying to recover that monies um how are you you know you've got to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 44 seconds look at it from a recovery perspective is the is it a viable action you're going to be partaking">look at it from a recovery perspective is the is it a viable action you're going to be partaking</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 50 seconds and and now like i say from the government perspective they want you to have that sort of dialogue and explore all options">and and now like i say from the government perspective they want you to have that sort of dialogue and explore all options</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="18 minutes, 56 seconds avenues before you start to use any form of enforcement really">avenues before you start to use any form of enforcement really</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Covered Rental Arrears">Covered Rental Arrears</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 4 seconds throughout the pandemic there has been protection from covered related rental arrears which has">throughout the pandemic there has been protection from covered related rental arrears which has</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 11 seconds given more rights to the tenants um this is coming to an end soon do you foresee this causing">given more rights to the tenants um this is coming to an end soon do you foresee this causing</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 18 seconds issues and should tenants only seize what should tenants and leases do to mitigate potential problems">issues and should tenants only seize what should tenants and leases do to mitigate potential problems</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 25 seconds i think at the moment if it's you can pursue so long as it's not it's not">i think at the moment if it's you can pursue so long as it's not it's not</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 30 seconds amassed through the pandemic period so a landlord for example if these arrays have been amassed">amassed through the pandemic period so a landlord for example if these arrays have been amassed</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 37 seconds outside of the window of the pandemic then there's still avenues for them to pursue um but it's back to the same">outside of the window of the pandemic then there's still avenues for them to pursue um but it's back to the same</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 43 seconds scenario again is that um you know um it is working together from a">scenario again is that um you know um it is working together from a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 49 seconds landlord-tenant situation um and there is time to pay arrangements that can be">landlord-tenant situation um and there is time to pay arrangements that can be</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="19 minutes, 54 seconds put into place and um but you know i my personal viewers i">put into place and um but you know i my personal viewers i</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes think the landlords unfortunately have had a hard time out of this lot and um you know">think the landlords unfortunately have had a hard time out of this lot and um you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 6 seconds there should have been more i think too you know they've they've got liabilities and um and so it's had a">there should have been more i think too you know they've they've got liabilities and um and so it's had a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 13 seconds massive knock-on effect for them depending obviously on the size and so forth but it um yeah it's not">massive knock-on effect for them depending obviously on the size and so forth but it um yeah it's not</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 19 seconds been dealt with i don't feel in the language perspective thank you">been dealt with i don't feel in the language perspective thank you</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="The Year End">The Year End</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 25 seconds um on the back of the pandemic and with furlough ending the change in widening">um on the back of the pandemic and with furlough ending the change in widening</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 31 seconds up with the seagate and rental areas perhaps playing a part all on top of lots of businesses and only just getting">up with the seagate and rental areas perhaps playing a part all on top of lots of businesses and only just getting</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 38 seconds restarted um the year end is not far away and lots of businesses close over this">restarted um the year end is not far away and lots of businesses close over this</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 45 seconds period where wages have to be paid and revenue has not been generated">period where wages have to be paid and revenue has not been generated</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 50 seconds this could be another potential shock for businesses how could they how could they manage this">this could be another potential shock for businesses how could they how could they manage this</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="20 minutes, 56 seconds you really need to take the time out and look at your business if you haven't done already you do need to um">you really need to take the time out and look at your business if you haven't done already you do need to um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 2 seconds you know i i preach all the time you know the balance between working on and working in your business and it's">you know i i preach all the time you know the balance between working on and working in your business and it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 8 seconds important now even more so that you do take that time to work on it and um">important now even more so that you do take that time to work on it and um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 16 seconds and then start to work from you know an easy one approaches to you know what's">and then start to work from you know an easy one approaches to you know what's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 21 seconds happened in the past you know where was our pre pandemic what was we doing look at it look at it from that perspective">happened in the past you know where was our pre pandemic what was we doing look at it look at it from that perspective</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 27 seconds be that it's financial um side and then start to">be that it's financial um side and then start to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 32 seconds you know look at the data throughout the pandemic how has it impacted us and the failures and ending how's that going to">you know look at the data throughout the pandemic how has it impacted us and the failures and ending how's that going to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 38 seconds impact us so then you look at your current position where are we currently at and therefore where we're going to go or">impact us so then you look at your current position where are we currently at and therefore where we're going to go or</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 45 seconds where we'd like to go and then you can start to work on that so it's really i think it's time now you know there's">where we'd like to go and then you can start to work on that so it's really i think it's time now you know there's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 52 seconds there's hmrc out there i think is 80 000 uh winding up petitions have got stacked">there's hmrc out there i think is 80 000 uh winding up petitions have got stacked</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="21 minutes, 58 seconds up ready to go through the system you know there's there's all these sort of um big things that are going to start to">up ready to go through the system you know there's there's all these sort of um big things that are going to start to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 3 seconds sort of come our way failures ended um you know and i don't see that the banks">sort of come our way failures ended um you know and i don't see that the banks</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 8 seconds are you know at the moment the feedback i'm getting the banks are pretty um tight in in their sort of offerings">are you know at the moment the feedback i'm getting the banks are pretty um tight in in their sort of offerings</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 15 seconds of borrowings and so forth even to the point of some sort of reported back even open a bank account and some of them you">of borrowings and so forth even to the point of some sort of reported back even open a bank account and some of them you</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 20 seconds know business bank accounts so you know to to get external assistance to deal with this is uh but knowing that">know business bank accounts so you know to to get external assistance to deal with this is uh but knowing that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 27 seconds looking at your business understanding it looking at how you can drive your business forward it might be in a in a">looking at your business understanding it looking at how you can drive your business forward it might be in a in a</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 34 seconds in you know have to make quite a lot of changes um because the the model it was is nothing like what">in you know have to make quite a lot of changes um because the the model it was is nothing like what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 40 seconds the model is gonna be moving forward yeah but you know taking the time to work um on it is is now really">the model is gonna be moving forward yeah but you know taking the time to work um on it is is now really</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 48 seconds that's a yeah i think that's a great point um there's no point just all hands on deck throwing it in and">that's a yeah i think that's a great point um there's no point just all hands on deck throwing it in and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="22 minutes, 55 seconds just slogging it out because it may come to a grinding halt you do need to take the time to work on the business yeah">just slogging it out because it may come to a grinding halt you do need to take the time to work on the business yeah</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 1 second that makes good sense that's unfortunate that's the default setting most business owners have is they fall back to this">that makes good sense that's unfortunate that's the default setting most business owners have is they fall back to this</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 8 seconds uh chipping away the coal face and it's it's you know it's not the right thing to be">uh chipping away the coal face and it's it's you know it's not the right thing to be</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 15 seconds doing you know that yes you can go out there and work harder but reality is the problems are still">doing you know that yes you can go out there and work harder but reality is the problems are still</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 20 seconds there all you're really doing is kicking the same can down the street you've got to be able to look at it from a holistic">there all you're really doing is kicking the same can down the street you've got to be able to look at it from a holistic</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 25 seconds perspective like i've said earlier on you there's different techniques to that but generally if you start to cover off">perspective like i've said earlier on you there's different techniques to that but generally if you start to cover off</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 31 seconds those areas within the four pillars of your business or you know you can then start to see where">those areas within the four pillars of your business or you know you can then start to see where</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 37 seconds you're currently at and where you need to be going moving forward yeah another key point there was the data">you're currently at and where you need to be going moving forward yeah another key point there was the data</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 44 seconds if we have data we can make good decisions can't we know where we've been and hopefully we can plan for where we">if we have data we can make good decisions can't we know where we've been and hopefully we can plan for where we</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 50 seconds want to be um and i do yeah i do see that if you are looking at that you can look at it">want to be um and i do yeah i do see that if you are looking at that you can look at it</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="23 minutes, 55 seconds as an opportunity how what am i going to do differently how am i going to get my three-month uh">as an opportunity how what am i going to do differently how am i going to get my three-month uh</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 1 second trading buffer buffering place so you can look at it positively but that takes working on rather than working in i mean">trading buffer buffering place so you can look at it positively but that takes working on rather than working in i mean</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 9 seconds i've had to adapt already haven't they i mean we've there's a lot of things even down to you know the fuel at the moment">i've had to adapt already haven't they i mean we've there's a lot of things even down to you know the fuel at the moment</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 14 seconds you know people have actually we've had to diverse if i adapt to be open-minded to change which is a good thing you know">you know people have actually we've had to diverse if i adapt to be open-minded to change which is a good thing you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 20 seconds it's it's it's um it's the right thing to be doing although it's been forced upon a lot of">it's it's it's um it's the right thing to be doing although it's been forced upon a lot of</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 25 seconds businesses but you know the one benefit i suppose is that um what insolvency uh brings to the market">businesses but you know the one benefit i suppose is that um what insolvency uh brings to the market</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 34 seconds is that you know you're the wheat from the chaff you know you're you're sifting through that side so">is that you know you're the wheat from the chaff you know you're you're sifting through that side so</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 39 seconds you know maybe your your marketplace is is a bigger market now because there isn't the competition">you know maybe your your marketplace is is a bigger market now because there isn't the competition</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 45 seconds that you saw before so it's looking at it from that perspective to see what uh you know how is it looking now for the">that you saw before so it's looking at it from that perspective to see what uh you know how is it looking now for the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 51 seconds future for you and what you now need to do to capitalize upon it and again this is what you help businesses with yes">future for you and what you now need to do to capitalize upon it and again this is what you help businesses with yes</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="24 minutes, 57 seconds being able to look at all of that and it's free that's fantastic">being able to look at all of that and it's free that's fantastic</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 2 seconds um what what are the regional issues at play here um">um what what are the regional issues at play here um</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Regional Issues">Regional Issues</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 9 seconds if any i'm thinking of agricultural markets which have previously depended on">if any i'm thinking of agricultural markets which have previously depended on</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 15 seconds overseas labour and how that dynamic is or has changed">overseas labour and how that dynamic is or has changed</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 20 seconds in my area of work we'd look at this as understanding your task environment and the dynamics at play">in my area of work we'd look at this as understanding your task environment and the dynamics at play</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 26 seconds what can businesses do to understand these impacts and lower potential effects on themselves">what can businesses do to understand these impacts and lower potential effects on themselves</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 32 seconds i think first off just being aware of it trying to understand what your industry is going through and and will">i think first off just being aware of it trying to understand what your industry is going through and and will</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 38 seconds potentially be going through um so is on the ground um you know what">potentially be going through um so is on the ground um you know what</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 44 seconds is actually happening uh is your first protocol and then secondly how is that">is actually happening uh is your first protocol and then secondly how is that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 49 seconds going to impact you within your business um and um and then you're back to you know">going to impact you within your business um and um and then you're back to you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="25 minutes, 56 seconds reassessing your situation so knowing it understanding it gathering the information">reassessing your situation so knowing it understanding it gathering the information</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 2 seconds um and sometimes i must admit it is a bit of a crystal ball thing um but">um and sometimes i must admit it is a bit of a crystal ball thing um but</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 7 seconds you know as we know in business you're better off making um a decision than not making that decision">you know as we know in business you're better off making um a decision than not making that decision</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 14 seconds um or be it wrong all right so yeah it's um">um or be it wrong all right so yeah it's um</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Awareness of Industry">Awareness of Industry</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 20 seconds so yeah but yeah what i get from that the state say awareness of your industry that">so yeah but yeah what i get from that the state say awareness of your industry that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 25 seconds points again to working on your business if you just at the core phase all the time working in it um">points again to working on your business if you just at the core phase all the time working in it um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 31 seconds you're not necessarily going to see that if you're not discussing with your peer group networks even i can see the importance">you're not necessarily going to see that if you're not discussing with your peer group networks even i can see the importance</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 37 seconds of that to understand the relevancy of factors that may seem beyond">of that to understand the relevancy of factors that may seem beyond</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 43 seconds your control but if they thrust upon you and you're unaware that they're going to be upon you you can it's too late to">your control but if they thrust upon you and you're unaware that they're going to be upon you you can it's too late to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 49 seconds understand what's going to happen two elections may be gathering information you're on the back front you're making poorer decisions because">understand what's going to happen two elections may be gathering information you're on the back front you're making poorer decisions because</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="26 minutes, 55 seconds of that i think maybe you know i'm probably suddenly the same brush here but i think you know we've had this this">of that i think maybe you know i'm probably suddenly the same brush here but i think you know we've had this this</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 2 seconds covered purdue had the failure we've we've gone through it all we've um">covered purdue had the failure we've we've gone through it all we've um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 7 seconds chillaxed i suppose is probably the the word i'm looking for and um um">chillaxed i suppose is probably the the word i'm looking for and um um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 13 seconds what we should we know the the the wheels of industry are starting to turn again um what we should have done many">what we should we know the the the wheels of industry are starting to turn again um what we should have done many</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 20 seconds months ago is is to sort of we should have done this really i think many months ago to try and get people">months ago is is to sort of we should have done this really i think many months ago to try and get people</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 25 seconds and listen to this to start to implement those changes within their business or look at their business in that way">and listen to this to start to implement those changes within their business or look at their business in that way</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 31 seconds um but there's going to be those that that haven't um and it might be difficult for them to allocate enough">um but there's going to be those that that haven't um and it might be difficult for them to allocate enough</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 37 seconds time to be able to work on their business um and that's always a challenge for anybody">time to be able to work on their business um and that's always a challenge for anybody</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 42 seconds but it's it's important to challenge that they undertake and do but working more hours is not the right">but it's it's important to challenge that they undertake and do but working more hours is not the right</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 48 seconds way of dealing with it you know people think okay well i work i work sort of 12-hour days and then i'll work at night">way of dealing with it you know people think okay well i work i work sort of 12-hour days and then i'll work at night</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="27 minutes, 54 seconds time well really there's an optimal time in which your best to focus on your business as an individual and and that">time well really there's an optimal time in which your best to focus on your business as an individual and and that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 1 second is mainly morning so you know because after lunch you've had you feel and you're tired and so forth um so it's">is mainly morning so you know because after lunch you've had you feel and you're tired and so forth um so it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 7 seconds really trying to picture at the right time that you are in a good mindset to be able to">really trying to picture at the right time that you are in a good mindset to be able to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 13 seconds um you know give it the proper thought that it requires yeah thank you">um you know give it the proper thought that it requires yeah thank you</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Political Intervention">Political Intervention</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 20 seconds um leaning on my experience managing large and complex supply chains um i've used">um leaning on my experience managing large and complex supply chains um i've used</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 26 seconds personal analysis many times that of course stands for political economic sociological technological">personal analysis many times that of course stands for political economic sociological technological</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 33 seconds legal and environmental which offers structure to understand the task">legal and environmental which offers structure to understand the task</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 38 seconds environment in which an organization operates and where risks are first">environment in which an organization operates and where risks are first</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 44 seconds although this is different for each sector i do see that the political responses we've seen throughout the pandemic have">although this is different for each sector i do see that the political responses we've seen throughout the pandemic have</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 51 seconds certainly supported businesses but as this support comes to an end how do you see the political">certainly supported businesses but as this support comes to an end how do you see the political</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="28 minutes, 57 seconds factors influencing businesses as we move forwards and is there one political intervention">factors influencing businesses as we move forwards and is there one political intervention</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 4 seconds you would like to see amended supported or reintroduced perhaps">you would like to see amended supported or reintroduced perhaps</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 10 seconds yeah i think that there's you know things like the business hive that">yeah i think that there's you know things like the business hive that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 15 seconds places like this are a good um you know the the problem is they're not nationwide you know but there is there">places like this are a good um you know the the problem is they're not nationwide you know but there is there</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 21 seconds is support for um uh business owners but what the they could really do with">is support for um uh business owners but what the they could really do with</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 27 seconds from a government perspective is um is is to ramp that up when it comes to this">from a government perspective is um is is to ramp that up when it comes to this</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 33 seconds definitely more so now about people getting you know um kickstart in their business again getting back going again">definitely more so now about people getting you know um kickstart in their business again getting back going again</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 39 seconds uh that he's more supportive in that area um it's not just finances it is is the">uh that he's more supportive in that area um it's not just finances it is is the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 45 seconds support back to what i was saying earlier on you know it's um you know there is">support back to what i was saying earlier on you know it's um you know there is</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 50 seconds more i think political clout needs given in that in that location of businesses um">more i think political clout needs given in that in that location of businesses um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="29 minutes, 56 seconds so that would be nice to see if there's any sort of but i've not heard anything around those sort of areas to try and">so that would be nice to see if there's any sort of but i've not heard anything around those sort of areas to try and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 2 seconds help kick start this economy and that's the the approach to the the taking is to um is to rebuild it in that way">help kick start this economy and that's the the approach to the the taking is to um is to rebuild it in that way</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 11 seconds and that's great um but just relying upon those that have run">and that's great um but just relying upon those that have run</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 17 seconds their businesses before to jump in the same seat and continue doing it's you know it needs help yeah doing">their businesses before to jump in the same seat and continue doing it's you know it needs help yeah doing</div> <div id="header" class="style-scope ytd-transcript-section-header-renderer" aria-label="Key Points">Key Points</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 23 seconds the same thing getting the same outcomes doesn't it and then the ones you know in a different room">the same thing getting the same outcomes doesn't it and then the ones you know in a different room</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 29 seconds yeah again support and networks coming into into it again into that">yeah again support and networks coming into into it again into that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 36 seconds improve the improvements they don't just come out within there they don't come by just working harder just working longer hours they come by">improve the improvements they don't just come out within there they don't come by just working harder just working longer hours they come by</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 42 seconds taking a step back and sometimes as you do when you come into a business you're offering a fresh pair of eyes a structured">taking a step back and sometimes as you do when you come into a business you're offering a fresh pair of eyes a structured</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 50 seconds approach um that yeah just seems that's a great great point like it makes good sense">approach um that yeah just seems that's a great great point like it makes good sense</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="30 minutes, 56 seconds is there a key point you would like anyone listening or watching to take away and consider which would stand them">is there a key point you would like anyone listening or watching to take away and consider which would stand them</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 3 seconds in good stead so they can hopefully avoid insolvency">in good stead so they can hopefully avoid insolvency</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 8 seconds you're not on your own there is help out there yes it's going to take some looking um">you're not on your own there is help out there yes it's going to take some looking um</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 14 seconds but you know there is you know there's there's um trustpilot">but you know there is you know there's there's um trustpilot</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 19 seconds on websites if you're using the web to try and identify a good company for assistance">on websites if you're using the web to try and identify a good company for assistance</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 25 seconds um there is word of mouth which is always a good thing um you know back to the mental health thing you know">um there is word of mouth which is always a good thing um you know back to the mental health thing you know</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 32 seconds let's let's be a bit more open to uh our problems and discussions and and">let's let's be a bit more open to uh our problems and discussions and and</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 37 seconds what we find when somebody has recommended um somebody to us is that the farm are open the far more">what we find when somebody has recommended um somebody to us is that the farm are open the far more</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 44 seconds you know there's no walls to sort of crash down first you know they've they've got to that point where that">you know there's no walls to sort of crash down first you know they've they've got to that point where that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 50 seconds trust is there and things like trust are a good thing on any social you know on a web presence">trust is there and things like trust are a good thing on any social you know on a web presence</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="31 minutes, 56 seconds and and so they help that individual get to that point but reach out don't think you can do this on">and and so they help that individual get to that point but reach out don't think you can do this on</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 3 seconds your own is i think is is the best thing there is help and support out there yes he's gonna need looking for but you can">your own is i think is is the best thing there is help and support out there yes he's gonna need looking for but you can</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 8 seconds find it um maybe it's just the accountant and depends on the accounts that you've got somewhere just there you know the the">find it um maybe it's just the accountant and depends on the accounts that you've got somewhere just there you know the the</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 15 seconds remit is just a year-end and so forth but there might be some help you can glean from them um and like i say that">remit is just a year-end and so forth but there might be some help you can glean from them um and like i say that</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 20 seconds there's a lot of information we do as forbes burton um you know we we educate we put a lot of educational information">there's a lot of information we do as forbes burton um you know we we educate we put a lot of educational information</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 27 seconds out there to try and help people along their journey with a potential problem that they encounter and back to it again">out there to try and help people along their journey with a potential problem that they encounter and back to it again</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 34 seconds you know i'm not trying to sales picture ourselves it's free you can pick up the phone to us and and and have a conversation">you know i'm not trying to sales picture ourselves it's free you can pick up the phone to us and and and have a conversation</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 40 seconds conversation against some advice yeah so there is things you can do um so to">conversation against some advice yeah so there is things you can do um so to</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 45 seconds answer your question get out do something about it don't try and do it yourself because it's">answer your question get out do something about it don't try and do it yourself because it's</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 51 seconds it may go wrong rick thank you very much for joining me on the insight for business podcast">it may go wrong rick thank you very much for joining me on the insight for business podcast</div> <div class="segment style-scope ytd-transcript-segment-renderer" role="button" aria-label="32 minutes, 57 seconds thank you cheers">thank you cheers</div>