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How to have a happy new year, live well and prosper

In the last few years the marketplace has changed: in at least three ways:

1. Bank loans are harder to find
2. Governments funding has been reduced
3. Customers are more cautious

So right now, things may be a little tough.
How can you ensure that you will live well and prosper in the New Year?

If you want some excellent food for thought….. Then please read on……………