#Frugal Entrepreneurs

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No business owner wants to contemplate the unpleasant possibility of damage or loss, but being unprepared is even worse. Proper business insurance is one of the surest ways of protecting your resources and has become a necessity for doing business.

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We all know that investments have to be managed for both risk and returns. The deal that promises to double your money in three years comes with a very real risk of losing your investment.

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Mergers and acquisitions (M&A) are financial transactions in which two companies merge into a new entity, or a larger company acquires a smaller one, which is then absorbed into the parent or run as a subsidiary.

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It's Scotland, it's cold, it's wet, it's windy, it's June and we're still doing porridge for breakfast, so here's how to turn a pound into a tenner, if you are feeling charitable and sociable. Get your oats!

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Today I calculated the household's carbon footprint at 3.5 tonnes per year. I then proceeded to calculate how many trees we need to plant to offset that. Averages suggest one native broadleaf tree per tonne of CO2 per year, so I'm making an effort to catch up over my own lifetime. Are you?

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