Free Christmas ebook

Celebrate the end of 2020 and download our free Christmas ebook! Have a chuckle, reminisce, and remember the year that was.  We’re looking ahead to 2021. Read our 3 Freedoms  – TimeRead More…

Updates to the Xero Starter Plan

Software for the Small Business Xero recently announced changes to their Starter Plan. These changes were made with sole traders, contractors and freelancers in mind and make it an alternative to XeroRead More…

December Business Health Check

A few key points you might find of interest. Holiday pay sorted? Working out what an employee gets paid for taking a day off on annual holidays will depend partly on whatRead More…

Updates to the Small Business Cashflow Loan (scheme) – November 2020

The Government announced the following changes will be made to the Small Business Cashflow (Loan) Scheme: Currently no interest is charged if the loan is repaid within one year. This will beRead More…

Looking to invest?

An alternative to bank interest rates. Recently we have been getting asked the question ‘What do I do if I have surplus cash’?  Although a great position to be in, we cannotRead More…

GST mistakes to avoid

Don’t let GST trip you up GST can be a thorn in your side but if you understand when it’s due, what to pay, and make the most of your accounting software,Read More…

Modifying Employment Agreements during Covid-19 response and recovery

Modifying Employment Agreements during Covid-19 response and recovery For most employers, reviewing your staff and their employment agreements would have been done at some point this year. Regular employment law still appliesRead More…

Residential Tenancies Amendment Act

Residential Tenancies Amendment Act 2020 Big changes to tenancy legislation are underway, with the 12-monthly limit on rent increases already in effect to help tenants struggling financially following Covid-19. Early next yearRead More…

ACC: impact of Covid-19 in your levy

ACC is requesting businesses that employ staff contact them if you have recently reduced or are forecasting a reduction in your payroll before they send you the 2020/21 provisional invoice.  This isRead More…

Apps we love…Spotlight Reporting

If you have ever required a budget or forecast report prepared it is highly likely we would have used Spotlight Reporting. The ease of having data downloaded from Xero to provide thisRead More…

Apps we love…Hubdoc

Hubdoc is in basic terms, a document storage hub. It is perfect for those businesses where you may have a lot of supplier invoices, receipts or emails you want to store inRead More…

Apprenticeship Support Programmes

The Apprenticeship Support Programme is a government response to help employers retain and bring on new apprentices while dealing with the effects of COVID-19. Employers and businesses will be able to accessRead More…

The Resurgence Wage Subsidy

The Government has announced a new payment, the Resurgence Wage Subsidy. It’s a two-week payment for businesses who meet the criteria and aren’t getting the Wage Subsidy, Wage Subsidy Extension or theRead More…

Introducing Glynis Carter

Glynis has been a Partner at Monteck Carter since her firm Corbett Carter merged with Monteck Group in 2013 and brings many years of experience to the 10-strong team.  She works withRead More…

$5,000 funding available from the RBP Network

Whether your business is looking for guidance or moving into recovery mode, Monteck Carter is a registered service provider of the RBP Network (Regional Business Partner Network).  This means we can helpRead More…

New Trusts legislation – Jan 2021

What Trustees need to know The legislation The new Trust Act modernises trust law and makes significant changes to the way trusts are currently administered in New Zealand. The Act aims toRead More…

Do you have a property on Airbnb?

Commercial Properties and GST With all that has happened in our world since early this year, many property owners who previously had their properties in an Airbnb or accommodation business are lookingRead More…

The jobs budget – Job creation, training and retraining

Here is our second post on the important announcements from the 2020 budget.  In some sectors, it is hoped to generate activity creating new jobs. Other sectors will see a jobs exodus.Read More…

Wage Subsidy Extension criteria changed & Income Relief Payment

New Criteria for the Wage Subsidy Extension Is your Revenue down at least 40% for a 30-day period in the past 40 days due to Covid-19? The Wage Subsidy Extension is availableRead More…

The jobs budget – Sustaining existing businesses

After reviewing the 2020 Budget we want to pass on the most important announcements for small business – here is the first one. The 2020 Wellbeing Budget’s one job is to helpRead More…

Wage Subsidy Extension announced

As part of the recent Budget announcement, a Wage Subsidy Extension payment will be available to support employers who are still significantly impacted by COVID-19 after the Wage Subsidy ends. The Wage SubsidyRead More…

Alert Level 2 – what you need to know

As we prepare to move into Alert Level 2, here’s a recap of what you need to know. NZ moves into Alert Level 2 from Wednesday 13th May 11:59pm, meaning retailers, workplacesRead More…

Government boosts cashflow support for small business.

On the 1st May, the Government made an announcement it will provide interest-free loans of $10,000 (and depending on the number of employees it could be up to $100,000) to small businessesRead More…

Upcoming Tax Payments and potential relief

One of the measures that have been announced to assist businesses through this period of uncertainty relates to upcoming tax payments. If you have an upcoming tax payment then there is aRead More…

Cash Management Tips from Monteck Carter

We’ve compiled a summary of a few tips on how to manage your cash during this time. If you’d like to discuss any of these points in more detail, please do notRead More…

The Wage Subsidy explained – By Karen Tobeck

Dealing with the Wage Subsidy and what you can and can’t do with it. We have to remember that the initial announcement of the wage subsidy was when the country went toRead More…

Here to help you during the nationwide lockdown

We are still here to help you.  Our physical office is closed and our team are working from home. We remain available and have open lines of communication between our team and clients. IfRead More…

IR no longer issuing letters or accepting cheques

Inland Revenue is no longer issuing letters by post. This means that everyone must have a MyIR account set up in order to receive all communications and important information. Having a MyIRRead More…

IR contacting clients in the hospitality industry

Are you in the hospitality industry? The Inland Revenue has let us know that they will be contacting our clients in the hospitality industry. Why? They want to ensure hospitality business ownersRead More…

Meet our new Associate – Michael Tobeck

Michael Tobeck promoted to Associate at Monteck Carter.

Ensuring you put the correct details when paying IRD online

Unfortunately, IRD are under no obligation to remit any charges or penalties due to “human error” on your part so please ensure that all details are correct before making a payment.

Work. Sleep. Eat. Repeat?

Working harder is not always smarter. Here are some useful ways to create a crystal clear line between work and the rest of your life.

Benefits of closing the pay gap

Whether you’re a solopreneur or managing a team, the more balanced, flexible and diverse your business is – the healthier it will be….

Police Managers’ Guild Trust

Police Managers’ Guild Trust – They work to provide free information to New Zealanders on how to stay safe and avoid becoming a victim of crime. You can access that information either via their website – or in 1 of their reference magazines

Tired of paying accounting fees?

Manage your cash flow more effectively!

Health and safety: Say it loud and proud to lower the risk

A ‘she’ll be right’ attitude towards health and safety won’t cut it. You’ve got to make a conscious decision to be safe and get everyone in your team thinking about health and safety every step of the way. Wanna do it effectively? ….Follow these steps…

Invoicing tips for better cash flow

Getting paid on time can be a real challenge for small businesses. Check out these tips for getting paid sooner.

Homes standards for rental properties

New minimum standards will make rental properties drier and warmer. The healthy homes standards, which become law later this year, aim to improve heating, insulation, ventilation and drainage, reduce moisture and stop draughts.

Law changes – How does it apply to your business?

Get an overview of law changes that came into effect in early 2019. Find out how these changes affect your business.

Making tax time easier

Keep good records to make tax time easier for you!

Claiming expenses in 2019 – What to keep!

Keep thorough business records as you will have to provide accurate and complete records of your taxable business activity throughout the year. Not only might you miss out on claiming some expenses but you could face penalties.

Loss Ring-fencing on Rental Properties

You will no longer be able to offset against your other income to reduce your tax or to obtain a refund. If this is your current position please contact us now urgently to discuss your situation and if anything can be done to mitigate the impact before 31 March 2019

What business expenses can I claim?

What business expenses can I claim? You don’t want to miss out on any potential tax deductions.

Is AIM the right Provisional Tax method for you?

An additional option for calculating provisional tax known as AIM (Accounting Income Method) is now available for small businesses that use approved software to prepare their accounts with effect from 1 AprilRead More…

Profiling MSugar

A nice article about our client MSugar in the Autumn issue of GETBA’s Focus magazine. Thanks for the mention Jay.

Company vehicle ownership and FBT – changes to the rules

Close companies who provide a motor vehicle for the private use of shareholder-employees have been required to register and pay FBT on the value of the benefit provided. The value is basedRead More…

Have your say on the future of tax

The Tax Working Group has been brought together by Government to consider the future of tax and is chaired by former Finance Minister Hon Sir Michael Cullen. Yesterday, Wednesday 14 March, theRead More…

AIM: a new way to manage provisional tax

Small businesses will be able to pay provisional tax based on their cash flow, rather than the previous year’s earnings or estimated earnings for the current year. This video explains how. TalkRead More…

Tax changes intended to dampen property speculation

Last Thursday, 15 February 2018, Revenue Minister Stuart Nash confirmed the bright-line test on residential property sales will be extended from two years to five years in legislation currently making its wayRead More…

AIM – new provisional tax option for small businesses

  From April 2018, small businesses will be able to choose a new pay-as-you-earn option, rather than paying provisional tax in instalments several times a year. Inland Revenue is introducing the AccountingRead More…

KiwiSaver Enrolments

As an employer, you play an important role in helping your employees save for their retirement. Employees who start a new job and meet the criteria for automatic enrolment must be enrolled in KiwiSaver, unless you offer an approved alternative superannuation scheme or have been granted exempt employer status. Do you understand what you need to do?

What Christmas Party Expenses Can I Claim?

As the festival draws near you might be planning a Christmas function for special clients and/or suppliers and business contacts and you may be wondering what expenses you can claim. These expenses will come under the entertainment regime for purposes of tax deductibility.

Bruce Montgomery – Partner with Engineering Background

Need an accountant who understands the Engineering world? Bruce Montgomery has been an Accountant for 20 years now, although his first introduction to Accounting was actually 24 years ago when he worked part time for his father, in his practice, while he was finishing his Engineering papers. After deciding he needed a career change he began working full time with his Dad and started his studies part- time. While most of his employment has been in the public sector he also spent time in the corporate world working as the Accountant for a Freighting Company and he also gained a good understanding of how small business operates while employed in various Engineering rolls. With his engineering background, he enjoys working with the trades as well as Manufacturing and Transportation firms.

Can your manager take over from you as a business owner?

Corporate firms use sophisticated transition plans to allow staff to get promoted, to leave and to retire. Does an SME business owner have the same options?

Monteck Carter knows a lot of “baby boomer” business owners are already working on planning their own retirement. Some won’t actually get to 65 for ten years but having a large number of firms come up for sale at the same time may mean prices get depressed.

No business is “ready for sale” overnight – it takes time, planning and careful management… Let Monteck help you reach your financial goals!


When you run a business or own a company it is important to give back to the community you are in. Helping the community around you offers a huge benefit for you and for your community.

Difference between a successful and unsuccessful business

“STICK TO YOUR KNITTING“ many business people do try to do too many things, wasting time and energy on areas of their business that they could pay others to do for them. This can give them more time to either increase their chargeable hours or to work on their business and improve their bottom line.

Contractor Pitfalls and Pluses

What you should consider when you want to move from employee to self-employed contractor status.

Shareholders agreements

A Shareholders’ Agreement is a contract between the shareholders of a company. Without one, you risk a dispute at some point down the track when each shareholder has a different idea of who can do what, when they can do it, how it is done, and what was agreed at the outset. You do not really need one until you need one (at which time it is too late).

10 Daily Habits of the Rich and Powerful

It’s the little things that make up the big things. Here’s a list of ten traits of some of the movers and shakers in the world today (and from the past).

How to deal with late payments effectively

Having a steady cash flow is a must for any startup as it keeps your business running.

Inheritance Trusts

Most parents, at some stage in their lives, consider what provisions they would like to make for their children on their death, therefore some thought should be given in order to establish that there is some protection around those funds to ensure that they are not lost.

Is it worth setting up a Trust

Everyone seems to have a family trust nowadays – do you have one (or if you have) how do you know if it’s still relevant and appropriate for your individual situation? The answer depends on your circumstances. Trusts are generally set up to protect assets and look after dependent people. They can have a valuable role to play, but they are not suitable for everyone.

2017 Budget has something for everyone

Finance Minister Steven Joyce has unveiled his first Budget. We believe it continues the Government’s focus on maintaining surpluses, reducing debt, growing the economy and supporting the most vulnerable in society via targeted ‘social investment’ spending.

Email Scam – Millions of NZ dollars lost

A complex and growing global fraud is targeting New Zealand businesses …..The email compromise scam sees an email sent to a company’s accounts department from a seemingly legitimate client or colleague. The emails ask the accounts department to update or process a normally regular payment with a new or amended bank account number.

Should I register for GST?

The main items that are excluded from the GST regime are….

Three Ways an Accountant Can Save You Money

Do you want to earn greater profits – and even find savings with vendors, staff and operating expenses?

Top tips to avoid being caught by fraudsters

If you receive a call with an offer that sounds too good to be true, it probably is. Online scammers and fraudsters use all kinds of tricks to steal from businesses. By taking sensible precautions you and your business can avoid becoming victims.

Tax Reforms – effective 1 April 2017

Understand how the new Tax Reforms affect Contractors – Effective 01 April 2017

Enduring Power of Attorney – Do I need it?

Protecting vulnerable people – can they sign? A guest article by Murdoch Price Solicitors. A Power of Attorney is a document in which you ask someone you trust to act on your behalf as regards your personal affairs. The difference between an “enduring” power of attorney and an ordinary one is that the former continues even after..

What to keep when claiming expenses.

Start your year fresh and be prepared for 2017! We suggest you keep thorough business records as you will have to provide accurate and complete records of your taxable business activity throughout the year. What should I keep?

Advantages of Digital Signing for Businesses

Digital signing, versus the traditional “wet” signature, has become increasingly popular in recent years. It allows you to sign documents online directly from your PC, Smartphone or IPad. Hassle Free! More and more countries have endorsed….

Understanding your student loan

With University starting soon the process can be rather overwhelming and when you need to apply for a student loan it can become even more daunting. Monteck Carter is all about making life easier…

Inventive ways to pay off your student loan

“Inventive ways to pay off your student loan – Impossible you say? Not really….

5 Costly Accounting Mistakes

Most business owners understand that effective financial management is key to their success. But lack of knowledge, frustration, and even avoidance can add up to accounting mistakes that derail future growth. Protect your business and reduce your stress by avoiding these five costly accounting errors.

9 Things You Need to Remember While Negotiating Contracts

There are several aspects of business that can only be learnt through actual experience. One of them is negotiating contracts. Several people fear the negotiation process because it is an intrinsically uncomfortableRead More…

Accounting basics and compliance principles

We know that developing successful relationships helps make successful businesses. Meeting your needs is our top priority! Having a strong relationship with your accountant who has a deep understanding of your individual situation gives you the most robust financial advisory support. We take care of your business bookkeeping, accounting and financial advisory needs. Whether this is as simple as preparing your annual financial statements and tax returns or more complex assistance with financial planning, budgeting and forecasting, Monteck Carter has an experienced team who can help.

How to reduce your tax bill

Many of the business expenses you face can be deducted from your income when calculating your tax bill. Here are some steps you might be able to take to reduce the amount of tax you need to pay. File and pay on time. This avoids any risk of having to pay interest or penalties. Claim for Valid Expenses: At tax time, your total profit (the amount you need to pay tax on) is your income minus the expenses you can claim — so the more you can claim, the less tax you have to pay.

Xero Business Performance Dashboard

Monteck Carter is all about sharing information that will make your administration process easier for everyone and one of the software tools we utilise and recommend is Xero. They recently released the Business Performance Dashboard, a new way of giving you better visibility of how your business is performing.

Myths about health and safety reforms

Paper cuts don’t equal workplace hazards, and other myths around health and safety reforms debunked and demystified.

Myths about health and safety reforms

Paper cuts don’t equal workplace hazards, and other myths around health and safety reforms debunked and demystified. Myth one: The new health and safety (H&S) law won’t apply to small businesses.

Expenses incurred in Australia – Can I claim GST?

We recently had a very valid question from one of our clients about business expenses incurred in Australia and the question was asked if there any guidelines available / or rules for claiming Australian GST for business-related expenses incurred in Australia – for example, Training accreditation undertaken in Australia, as well as related accommodation, food, travel etc. expenses?

Retail Location : 5 Mistakes not to make

Daniel Djain from Creative Property Services has been advising the Retail sector for many years. Frequently he is searching for new sites for large retail operators and has learnt that wherever you establish your new shop/store there is no room for improvisation.

Benefits of buying a car through your business – Part 2

We recently wrote about the benefits of buying a car through your business. And one of the comments we made were that“FBT adjustment needs to be done annually – this is put through the books at year end as a book entry. No monies are payable to IRD”

So you are thinking of exporting?

Are you thinking about exporting for the first time, but not sure how to go about it? New Zealand Trade and Enterprise (NZTE) offers some general tips for companies starting to think about exports:
Preparation is key. Like any business development and growth plans, exporting needs to be carefully considered and managed. Plans and budgets should be prepared, objectives need to be set. For example:

Can we get you a Government grant for your business?

Every year the Government invests millions into companies that provide employment, increase exports and build wealth in New Zealand. Therefore Regional Business Partners have been set up by NZ Trade & Enterprise (NZTE) and Callaghan Innovation to be local hubs of business development know-how and research and development (R&D) expertise. Each partner works with local businesses in their

Health and Safety Law Changes – Advice

Changes to health and safety (H&S) laws are a step closer, with the select committee reporting its recommendations back to Parliament. The Bill is expected to be passed later this year and there will be some months before it comes into effect. During this time government will provide further guidance to help businesses understand what the new law means for them, so you will have plenty of time to prepare.

Multiply the value of your business BEFORE you sell!

As a business owner, there are no shortage of advisers who tell you what outcomes you need before selling your business. Unlike the others, Monteck Carter shows you how to do it! This is the 6th event in the Preparing Your Business For Sale Expert Seminar Series on the 11 August… And it’s the practical one. You must not miss this. Buy your tickets now.

Budget announcements

“The KiwiSaver scheme has been successful in attracting 2.5 million members. It also has considerable costs, with the Government spending over $850 million this year on two subsidies – the annual subsidy of up to $521, and the $1,000 kick-start payment for new members. To reduce this cost, the Government has decided to remove the kick-start payment, which has cost taxpayers a total of $2.5 billion since the scheme began.

This change is effective immediately, but I want to stress that it does not affect existing KiwiSaver members in any way.
The other incentives in the scheme – matching employer contributions and the annual government subsidy – will remain as they are. These incentives also provide a strong reason to join KiwiSaver. Removing the kick-start payment for future enrolments will save over $500 million over the next four years, with little or no effect on the number of people expected to join the scheme.”

We don’t just do tax returns

Allow Monteck Carter to quickly and easily complete your financial statements and income tax returns and we also offer a range of helpful services.

  • We will Assist to Maximise your refunds by advising you on tax benefits.
  • Let us deal with the lRD & Keep you up to date with all compliance issues
  • Ensure special tax code declaration
  • We will Advice on tax benefits
  • Cashflow Forecasts

Motivating Your Staff After Christmas

Many people kick start the New Year with a myriad of resolutions, from keeping fit to losing weight or achieving financial goals. However, many of those resolutions fail to embody anything remotely close to working life. The first week back is usually a slow one; clearing out the inbox (usually spam as most other people were also on break) dusting off the keyboard and restocking the cupboard with fresh new stationery. So when your employees hit the deck with the January blues, here are some ideas to instil excitement and motivation. Inspiring your team can start even before the New Year kicks off. If you give out Christmas gifts at the end of each year, do your research first. Find out about your team and ensure you’re getting each and every one of them something that is thoughtful and representative of how you see them as individuals. If specialised gifts are not within your budget, ensure you do something, whether it be a Christmas party or even a personalised card that lets each of your employees know how much you’ve appreciated their efforts throughout the year. By feeling this appreciation, they are more likely to come back to work in a positive frame of mind.

Get paid more for Parental Leave of Absence

We enjoy sharing this kind of information as this is good news for parents.
On 1 July 2014, the rates for paid parental leave increased. If you’re self-employed or an employee and eligible for paid parental leave, you may receive up to a maximum of $504.10 a week before tax. If you’re self-employed and make a loss or earn less than the minimum wage, for at least 10 hours work a week, the payment is $142.50 each week before tax (equivalent to 10 hours each week at the current minimum wage rate). If you’d like a fact sheet on your obligations as an employer or on paid parental leave for self-employed people, please contact us.

Glynis Carter – Real Estate Accounting and Investment Property Tax

Glynis first became a partner in a chartered accounting practice in 1993. Prior to that she worked for Ernst & Young, with a brief stint in the UK. She has a wealth of experience in advising the SME sector, with a focus on property developers and investors, the use of family trusts, and a holistic approach to assist her clients to achieve their business and private goals. She lives with her partner Rod, a dog, a cat and two goats (donated to her to eat the grass by one of her farming clients). When not maintaining the lifestyle block she will be boating, travelling or entertaining.

Access to student loans tightening up

If you have started or will start study after 1 January 2014, there is now a residency requirement of three years (previously two years) before you are eligible for a Student Loan which applies to those who are not New Zealand citizens, refugees, or protected persons. Age limits apply for Student Allowances. The amount of assistance people over 40 are eligible for is limited to 120 weeks and students aged 65 or over are no longer eligible for a Student Allowance for study starting after 1 January 2014. Repayment obligations – don’t be late. If you defaulted on your student loan repayments while living overseas, but returned to New Zealand, the Inland Revenue can now request an arrest warrant if you are about to leave New Zealand. Inland Revenue and the Department of Internal Affairs now have an information sharing agreement allowing them to share contact details for overseas-based student loan defaulters when they renew or apply for their passport. Inland Revenue will be able to contact individuals to discuss their outstanding arrears.

Are you compliant with new minimum wage rules?

After the government increased the minimum wage rates earlier this year, it made a further amendment to the Minimum Wage Order, issuing a new fortnightly rate. The fortnightly rate is $1,140 for adult employees and $912 for starting-out workers and trainees. If you’re an employer already fully compliant with minimum wage requirements and your employees’ hours don’t vary from week to week, stop reading here. For you, nothing has changed…. Some farmers have had difficulties with minimum wage compliance as farming hours vary considerably over busy periods such as lambing and calving through to quieter periods. Traditionally many have agreed with their employees to average wages out over quiet and busy periods so employees have some certainty about their income.

Consumer Guarantees Act (CGA) and the Fair Trading Act (FTA) changing

Some important laws that may affect your business, such as the Consumer Guarantees Act (CGA) and the Fair Trading Act (FTA), are changing. It’s important that you and your employees understand the changes to avoid penalties, give your customers peace of mind and build trust in your business. Why are these laws changing? Changing consumer laws will help consumers transact with confidence and support honest business practices. This will promote competition, innovation and sustained growth. The law changes aim to:

  • make consumer law more accessible and understandable for both consumers and businesses
  • simplify business compliance
  • strengthen consumers’ rights
  • create more effective and enforceable consumer laws
  • better align New Zealand and Australian consumer law.

Tax Specialist – Karen Tobeck

I am a partner in the firm of Monteck Carter and along with my Accounting qualifications I have a Masters degree in Taxation Studies. I have been a business owner myself now for many years and I also have been involved with hundreds of other small to medium sized businesses through my clients. The sorts of issues I can help with are :

  • What structure should I have my business in?
  • How do I be the most tax effective in my business?
  • How do I work out my breakeven point and other business KPI’s?
  • When can I afford to employ staff?
  • Cash flow improvement skills.
  • Software – which one to use for my accounting and GST
  • When do I need to be GST registered?
  • What the bank will need to give me an overdraft.
  • What is FBT and when am I liable for it?
  • How do I pay myself?

Should I be paying provisional tax?

Do you understand Provisional Tax, do you know when you need to pay and why you need to pay? Monteck Carter’s expert, Glynis Carter answers these questions for you. Provisional Tax is a way to pay personal and business income tax where you have not paid in full through the PAYE or Withholding Tax system. This only affects taxpayers that have more than $2,500 to pay in any one year.

Are you on the correct Resident Withholding tax rate?

It is important that you choose the RWT rate appropriate to your level of taxable income. This ensures that the correct amount of tax is deducted. If you choose a rate that is too low, you will have a tax bill to pay at the end of the income year and there is really no need for this. What is RWT? Resident withholding tax (RWT is a tax deducted from a New Zealand tax resident customer’s interest income before they receive it. Where it is identified that you are using a rate that is not consistent with your marginal tax rate you need to advise your interest payer (banks and other financial institutions) to change your rate. You also need to make sure your interest payer has your IRD number.

Forward thinking accounting

So here’s the thing if you look in the rear vision mirror what do you see? You see the past, the things you’ve passed the things that you don’t need to focus on. Not to say that they aren’t interesting, but that’s all they are, interesting.

How mixed is your message

I had the opportunity to engage with an employee of a business I visited recently and she described the business as a “Fruit Salad”. “That’s an interesting description” I said, “what does that mean” I asked.

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