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The Silver Tsunami – How will an ageing population affect the business community?

Undoubtably there will be many forces that will impact the economy and therefore business over

the coming years.

One of the largest effects will be the impact of our ageing population.

However, the SME business community has not yet truly fully grasped the unprecedented ways that

ageing will change the employment rules of our businesses.

There has been much talk about the Baby Boomer Generation and the impact of The Silver Tsunami

but generally the news coverage has been negative and focuses on the predicted funding crisis of providing health and care to the elderly.

Initially, when we look at the statistics, they are potentially frightening.

In the UK by next year, 2020, people aged over 50 will comprise almost a third of the working age population.
Globally, by 2050 the number of people 60 and over is projected to more than double.

Yes, it’s a global trend not just a local problem.

However, is the gloomy outlook based on facts or opinions. Unfortunately, economists use the

dependency ratio to predict the trend. This is the ratio between the number of people typically not

working (under 15 and over 65 years old) in the population divided by the number of working age


Today’s older adults are generally healthier than past generations and are changing the nature of

their retirement as they continue to learn, work and contribute. In the workplace their talents can

complement younger workers.

The gloomy statistical trend takes no account of the desire for the older generation to have an active lifestyle and stay productive and continue to work. This desire will be magnified as pension

underfunding forces the retirement age ever upward.

As owners of small business, we must recognise and be prepared for the transformation in the

workforce. Soon your workforce could cover five generations from teenagers to 80 plus.

Are you and your business ready to adapt to this massive demographic transformation?The Equality Act 2010 makes it unlawful to discriminate against employees because of their age and

there is no upper limit to unfair dismissal and redundancy.

However, whatever the age of the employee, employers can discuss their future aims and

aspirations which can help identify their training and development needs.

The employment market is currently in transition from the ‘old job for life’ to career variety and

flexibility. This trend is due to continue and future changes in computing and AI will undoubtedly

bring further challenges in the future.

As business owners we must be ever adaptable and be aware of what is happening in the

environment around us.

Our ageing workforce is a trend that will impact us all.

It cannot be ignored.

It is time for the discussion to become more vocal.

Is it as a threat or an opportunity?

The choice is ours.

Let us know what you think and the plans you have in place in the comments below.

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Here are five components that hold back SME growth

Working long hours is often seen as the price of being an owner of a SME, small or medium sized enterprise.

However, hard work and long hours are no guarantee or sign of success.

Indeed, behind the brave face of many a SME business owner is frustration with their lot.

They are clearly in an uncomfortable comfort zone, but they have got used to it and so think it’s the only place they can be – it has become the norm.

It’s also a bit of a prison and the only way to escape is to change the mindset to one that accepts the challenge of making a change.

Just like the frog in a pan of boiling water the heat has built up slowly and the pain is not noticed until it is too late.


Please note! This is a snippet, to read the full blog post you can sign up to our members zone here – Members Zone

Here are the five components that keep SME business owners from breaking free of that uncomfortable comfort zone.

1.     Ego


Our Ego protects and maintains our psychological well-being.

It can lead a SME business owner to ignore or not admit to a sneaky suspicion that something is amiss resulting in the polishing of the past and therefore reality.

  2.     Beliefs

 A belief is something that as individuals we hold to be true.

The interesting thing is that, once we let a belief take hold, our unconscious mind will find evidence to reinforce it.

 3.     Blind spot

Blind spots are another distortion of reality – a trick your eyes and brain collaborate on.

Be aware of and acknowledge your beliefs because the commercial reality is that the blind spots they cause can be costly.

4.     Common sense

How many times have you looked at a problem and just known the answer?

If you hear yourself saying “you just know it” or thinking “how can they not see it?”, then that common sense will keep you within your uncomfortable comfort zone.

 5.     Habits

 The formation and maintenance of habits – the final big component of the uncomfortable comfort zone.

Habits can be good or bad but, either way, they will form part of your comfort zone.

Moving towards ‘understanding

 So, the ego, beliefs, common sense, blind spots and habits have a lot to answer for in terms of fueling your fears, stifling change and ultimately creating a very uncomfortable comfort zone.

I hope you’ve already begun to turn these things around in your head.

Please note! This is a snippet, to read the full blog post you can sign up to our members zone here – Members Zone

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The Fluid Business Podcast is Back!

The Fluid Business Podcast is back!
Hear about our brand new updates and everything we’ve been working on over the Summer! Our brand new members zone launches soon plus we have updates on the Fluid Business Academy and lots more.
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The countdown is on – George’s Pursuit Across The Perilous Ocean launches next week!

With just over 1 week until Ray Moore’s brand new book launches, we wanted to give you a sneak peek at what the book’s about and the business journey it takes you on!

George’s Pursuit Across The Perilous Ocean is a tale of a business adventure from start up to financial freedom. Something we’re sure most business owners dream of!

But it’s not all plain sailing to get there.

Throughout the book you’ll follow George as he starts up his business, you’ll watch as his business grows, plateaus and sees moments of uncertainty and challenges.

As a business owner, there will be parts you can relate to and parts you can see in your own business. When George hits a bump in the road (or a rough wave!) Ray looks at how to overcome the problem with his commentary.

What do people think of the book so far?

Jon Neil – Sport Safe

“A must read for someone who is 2 or 3 years from starting their business or even before you start business, it reminded me very much of Polar Bear Pirates, easy to read, humorous but some thought provoking questions asked. If I had read this before I started my business 20 years ago things may have moved along a lot quicker. Another great book from Ray Moore.”

Peter Clayton – Clayton Horsnell Ltd

“I found it really interesting how to story ties into real situations business owners find themselves in. It got me thinking about what boat I’m running and how I can apply this to my business!”

Literary Titan

“This is a fantastic business guide that provides an easy to understand road-map for getting from a small flailing venture to a successful business. Regardless of the goal, it can be achieved by following these simple directions. Five stars out of five for this crash course in entrepreneurship.”

The book launches next Thursday 20th September but you can pre-order yourself a copy now!


Ray’s previous books can be purchased here: https://www.fluidbusiness.co.uk/shop/

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What is restricting your business growth?

What is restricting  your business growth or should I say who is holding back your business?

Time to consider a BIG question.

Now this may bring a wry smile to your face or a serious frown but it must be considered at some point.

Answer it honestly and then take some action based on your answer.

It may prove to the most important decision you will ever make. 

The BIG question

If the business could ‘sack’ everyone it currently employs today (without fear of tribunal, notice or termination payments or indeed without any other repercussion) who would you willingly re-employ tomorrow?

The decision to re-employ has to be without qualification.

No get out of jail cards like:-

‘I wouldn’t want to employ him/ her again but they bring in 75% of the sales’!

‘If they weren’t family they would be long gone’

Read the question again and then go through your whole team one at a time.


The answers from this question may be uncomfortable but the awareness will be worth the discomfort.

Yes, it may be the toughest question that you consider in your business life so don’t dodge the bullet.

Take time out and consider the implications honestly.

Look at the reasons for not re-employing and put together a development plan to address the issues where possible, eg. skills  through training, attitude through coaching or perhaps move the individual to a more appropriate role.

Your biggest challenges will come from those that are not aligned to your values.

That’s a whole different question but if not addressed  it will cause you recurring issues in the future.

To unlock the hidden growth in your business your team must be able to adapt to meet the growth challenge.

Some may be able to step up others will not.

Business owners allow their personal relationship to the individual or family ties cloud the underlying issue.

Closing a blind eye to the people who are holding the business back will ultimately jeopardise everyone’s long term security.

One final thought.

Did you include yourself in that analysis?


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What makes a good week at work?

What would you consider a good week at work? In business there are natural ‘laws’ that impact our businesses. One that has a daily impact is that ‘nature abhors a vacuum*’, the ‘universal law’ that says an empty or unfilled space is unnatural and so there will always be an tendency to fill the void.

Let’s look at couple of common examples of its impact on management in business.
What happens if no one sets a team their priority? Well, this is where the ‘universal law’ applies straight away. Without guidance from the management of the company, individuals and teams will fill any void by setting their own priorities, creating a breeding ground for ‘productive avoidance’. With everyone singing from different hymn sheets, there is very little chance of the business achieving the outcomes required by the business owner.
The crucial role of any manager is to identify key priorities and then clearly communicate and agree goals with individuals and teams that are aligned to meet those key priorities.  This ensures the business has focus and avoids the tangled mess that follows when everyone is setting their own agendas.

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Understand how to get balanced growth in your business

Understand what differentiates a successful growing business from an out of balance stressed business to get massive results.

In a given situation what will have the most significant impact on the profitability of your business.

For many small and medium sized business (SME) that factor is the experience of the business owner.

Is your experience the key to balanced growth in your business or is there another factor which when applied will springboard your business to the next Level?

From working with hundreds of successful SME business owners over the last fifteen years the key, the Multiplying (X) Factor, is UNDERSTANDING.

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When your SME experience will let you down

In the life of every small or medium sized business (SME) there will be events that the owner has not encountered before.

My SME experience didn't ready me for this!Here’s a quick look at five of the common one-off business events where relying on past experience may jeopardise the future of an SME.

I regularly speak to SME owners who have successfully built their business over 10, 20, 30 or 40 years.

Rightly proud of their success they feel that they have seen it all and can rely on their experience to successfully face the future.

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How to find more time and take the pressure off yourself

The biggest cause of stress for owners of SMBs (small and medium sized businesses) is time pressures. There just aren’t enough hours in the day! If only you could find more time, how much easier would your working life be?

Unfortunately, we can’t ‘find more time’ out of nowhere and when the business is busy and all the employees are under pressure, no one has time to take any of the pressure off the owner. The fear of taking on extra costs and the desire to ‘squeeze the pips’ before an investment, results in the owner accepting the stress.

In this competitive world, it’s what has to be done right?

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