GRW1 | 
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Grow small business... “Getting your money to compound for you... “$100, 000 compounding at 15% for twenty years will grow to $1, 636, 653 in year twenty, which gives you a profit of $1, 536, 653. “But let’s say you lost $90, 000 of your initial capital… you... could only invest $10, 000. Your investment would then only grow to $163, 665 in year twenty, for a profit of $153, 665... “The larger the amount of money you lose, the greater the impact on your ability to earn money in the future." - Quoted from The Tao of Warren Buffett - Warren Buffett's words of wisdom explained, Mary Buffett & David Clark, Pocket Books, 2007, page 3. AND... “A business without profits is like a vehicle without wheels... “Unfortunately, just like in the real world of cars, there are thieves out there looking for an opportunity to steal the wheels off your business. “I call it the threat agents in and outside of your business (i.e. your business risks). “To achieve REAL high small business growth and business success, you have to pay attention to the threat agents in and outside of your business, eating your profits and ALSO constituting your risk of business failure!” - Michiel Jonker Message: This cartoon illustrates a small / medium enterprise (SME), accelerating business growth by maximizing profit - due to their profit protection planning (profit loss prevention exercises). A SME / SMB without profit is like an automobile without wheels! Examples of profit erosion: - Flawed systems (e.g. ineffective and inefficient processes);
- Errors - e.g. caused by you, your employees, or manual and computerized systems;
- Omissions - e.g. by you, your employees, or manual and computerized systems;
- Malicious acts - e.g. carried out by employees or customers;
- Disasters - i.e. ranging from natural disasters to human made disasters to technical disasters;
- Irresponsible behavior of employees;
- Loss of key employees and knowledge - especially trained and experienced employees;
- Non-compliance - e.g. disobedient employees, not complying with company policies or national legislation relevant to the company;
- Ignorance - e.g. about national legislation and regulations relevant to your company; and
- Changes - e.g. market changes and changes in your competitive environment.
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