Pre-money and post-money valuations are critical when negotiating with potential investors — but what do these terms mean, and how are they calculated?

Employees are widely recognised as an enterprise’s greatest asset, and the costs of employee losses are very high, estimated at up to 12 months remuneration. Improving employee retention is therefore an essential aspect of effective business management.

All businesses face a variety of risks, and many risks can be mitigated through insurance. Ofcourse insurance comes at a cost, so the question facing a business is whether the cost of the insurance outweighs the potential cost of the risk.