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Leon and Garry talk about the volatility in the share markets, reflected in the price of gold and the rising US dollar. Hospital operator Healthscope is considering a a $1.74 billion takeover offer and its a tough time in retail with Myer reporting flat sales - the result of interest rates and consumers no longer having the government's stimulus money. Rising interest rates have seen a drop in housing finance and might be cooling the property market with the RBA signaling it might take a break from raising rates.

Andrew Grant is chief executive of CO2 Australia Limited, the market leader in the establishment and management of major reforestation projects, forests that operate as carbon sinks, absorbing carbon dioxide to lessen the impact of greenhouse gas emissions on the global climate. He talks about the challenges and opportunities of carbon trading schemes.

RMIT economist Steve Kates talks about business investment, which is headed back to 2008 levels. He also looks at construction activity which appears to be flat with reduced investment in residential housing. This will exacerbate the housing shortage. He predicts high debt levels will drive inflation around the world as governments are forced to print more money to stay afloat.

Garry and Leon talk about Foster's splitting its wine and beer business and James Hardie posting a loss because of problems in the US housing market. Exxon Mobil has sold 295 stations to 7-Eleven, giving 7-Eleven 10% of the petrol market. This means that the biggest players in petrol will now be the retailers. Frank Lowy is now the richest man in Australia according to the BRW rich list. The property and mining sectors are the country's most profitable sectors. Meanwhile, more Australians are filing for bankruptcy because of unsustainable home loans.

This week we speak with Sharyn Smith the founder and chief executive of Soup, Australia’s first word-of-mouth marketing company. She talks about the growing power of the consumer in the marketing space and their ability to influence retailers and manufacturers through a variety of media, not least the chat over the coffee cup. She has harnessed this medium and delivered it to companies working their way into this new, more individualized marketing strategy.

RMIT economist Alberto Posso talks about Australia’s GDP rising 0.5%, raising questions about the Government spending crowding out private sector investment. He also looks at the drop in mining investment and asks whether manufacturing and agriculture can level the balance

Leon and Garry talk about the Australian share market having its worst May performance in 26 years, driven largely by the panic in Europe. This may explain why the RBA has kept interest rates on hold. However, the respite might be short lived with Australian exports surging by the most in three decades and inflation gathering pace. Australian GDP grew by 0.5% for the first three months, driven largely by Government spending. Employers have attacked the Fair Work Australia decision to award Australia’s lowest paid workers with a minimum wage rise of $26.

RMIT economist Sinclair Davidson talks about the latest unemployment figures, signaling that Australia is doing well compared to other countries. He says the problem in the US is government spending crowding out private investment. This needs to be changed. He says a similar change is needed here. He also talks about the mining tax. He says the theory does not stack up in practice and that the Government has created enormous problems for itself. A budget surplus in three years time, he says, is unlikely.

Garry and Leon talk about business confidence and consumer confidence falling with rising interest rates and the global financial crisis. Unemployment has fallen to a better than expected 5.2% in May. At the same time, demand for home loans has fallen to a nine year low. RBA Governor Glenn Stevens is urging Australians to cut debt and save while times are good. The number of bank branches is expected to expand but the rural and regional areas are being ignored. Melbourne is set to overtake Sydney as the most expensive place to buy a house.

This week we talk to Peter Biggs, the managing director of advertising agency Clemenger BBDO, one of the biggest agencies in the world.

RMIT economist Steve Kates talks about the latest figures for underemployment in Australia. Things are improving but there is still a long way to go. He analyses the latest lending figures and also warns about the impact China will have on Australia when the Chinese bubble bursts.

Garry and Leon talk about the bombshell announcement by David Jones CEO Mark McInnes that he is resigning for conduct “unbecoming”. Wesfarmers has opened an attack on the Federal Government’s resources tax, warning it will jeopardize the dividend for shareholders. The Rudd Government meanwhile is considering modifying the tax with different treatments for different resources. The ATO is ramping up its focus on landlords and Australia’s biggest companies. Meanwhile, actor Paul Hogan has lost a bid to keep his tax records confidential.

Adopting a suitably Socratic approach, Professor Peter Sheldrake provides an introduction to the work of Karl Marx and invites the audience to reflect upon the relevance of these insights to corporate life and how they might apply the findings to their own business practice.

Professor Peter Sheldrake provides an introduction to the work of twentieth century philosophers and invites the audience to reflect upon the relevance of their thinking to corporate life and how they might apply the findings to their own business practice.

Professor Peter Sheldrake provides an introduction to the work of twentieth century philosophers and invites the audience to reflect upon the relevance of their thinking to corporate life and how they might apply the findings to their own business practice.

Entrepreneurship can emerge in anyone, at any stage and involves elements such as creativity and necessity, to get started; qualities that can become most common in times of recession.

After some 16 years in the IT&T industries, John was invited to help create and build a boutique investment bank. In the early days at the investment bank, John and his colleagues searched in vain for an established method of predicting the future performance of businesses. As long term IT executives they were used to having tools, methods and systems available for all business processes.

Dun and Bradstreet chief executive Christine Christian talks about the state of the Australian economy and the challenge facing business in the face of the financial crisis and nascent recovery.

RMIT economist Sinclair Davidson say Treasury chief Ken Henry is likely to be replaced and Julia Gillard seeks new economic advisers. He says the Gillard Government will need to slash spending to bring about the budget surplus she says the government is committed to achieving.

Leon and Garry talk about Julia Gillard’s olive branch to miners and the Federal Government’s $11 billion deal locking Telstra into the National Broadband Network. Meanwhile, investigations are going on into potential insider trading ahead of the Telstra announcement. Commodity exporters are expected to be the big winners from China’s decision move away from pegged currency. Meanwhile commodity prices are expected to rise 23% to steer Australia through the financial crisis.

RMIT academic Con Stavros talks about the business of sport.

RMIT economist Steve Kates talks about the death of Keynesian economics. He says the stimulus packages around the world have increased debt, have not reduced unemployment and have made the crisis worse. He warns that Australia will feel the impact over the next year when China starts unwinding its stimulus package.

Leon and Garry look at the performance of the Australian share market, ending the year lower and producing the longest losing streak in two and half years. This will affect returns for super funds. Meanwhile the government is moving to a settlement with the miners while Telstra is trying to reinvent itself as a service company ahead of the NBN. Surf wear company Billabong makes a $110.4 million acquisition in the US and Virgin Blue has declared war on Qantas with plans for an increased Canberra presence and an attack on the Qantas corporate market.

Recruitment company Ambition’s chief executive Paul Lyons talks about the recruitment markets and skills shortages.

RMIT economist Sinclair Davidson talks about the employment figures and Australia’s current account surplus. While it’s good news on the surface, it signals interest rate rises which he predicts will come in August, coinciding with the federal election. He also predicts that banks will raise their rates even higher than the RBA rate.

Leon and Garry look at how the RBA has cleared the way for an August election by keeping rates on hold at 4.5%. Inflation is building a head of steam with the latest jobs figures showing unemployment now at 5.1% and the ANZ jobs series showing more companies are hiring. Figures from the TD Securities-Melbourne Institute show inflation now at 3.6%. Construction activity has fallen away. The Federal Government’s deal with the miners will cost taxpayers $35 billion, according to Goldman Sachs JB Were.

Housing Industry Association economist Ben Phillips talks about the housing shortage and housing prices.

RMIT University economist Sinclair Davidson questions Treasurer Wayne Swan’s claims that Australia is headed for a bigger than expected surplus. He says the government is betting on an increase in commodity prices, much like a hedge fund.

Leon and Garry talk about Treasurer Wayne Swan’s announcement that the government is headed for a larger-than-expected surplus. They look at speculation that Australia’s biggest banks could be forced to raise interest rates independently of the Reserve Bank decision. But they won’t do it until after the federal election. Home approvals are up 1.9%, driven largely by investors. Australian businesses are likely to face higher lending costs with the burden falling on SMEs.

MGI Principal, Sue Prestney, and Professor Kosmas Smyrnios, RMIT University, discuss the key findings of their latest round of research into family business.

Welcome to Talking Business, a podcast produced for the College of Business at RMIT University in Melbourne Australia.

RMIT economist Steve Kates talks about the economic issues in the election campaign. He says the latest ACCI investor survey shows that business performance has deteriorated sharply after a rebound and suggests that the next government will have to deal with a softer economy.

Leon and Garry talk about the election. With the polls suggesting a Labor victory and the Greens holding the balance of power, and the budget in deficit, any big spending promises will be held over until 2012-13. Whoever wins, will inherit an economy growing at an unsustainable rate, according to the latest Westpac-Melbourne Institute study. Business leaders are saying the Coalition and government cannot walk away from industrial relations reform. Australian borrowers may face an interest rate hike during the election campaign.

This week’s interview is with Telstra’s executive director of consumer business, Rebekah O’Flaherty. She says the internet has now become a fourth utility in Australia with some people prepared to go without food and drink to preserve their connection. She also says the internet will become more dominant in the Australian society, driven largely by mobile communications and adds that older folk now are taking to the internet and are now the largest sector of home PC users, while younger people are going mobile. She also says this will shape our lifestyles, around for example TV viewing.

Leon and Garry talk about the latest inflation figures coming in lower than expected and suggesting there will be no pre-election rate rise. Similarly, the cost of materials to business has grown at a modest pace, less than economists expected so inflation seems to be under control for now. Coles sales figures have come out better than Woolworths. Coles has also announced plans for a car insurance product. But other parts of retail are struggling with Harvey Norman reporting a dip in sales. Richard Branson’s Virgin Money launches new credit cards.

RMIT economist Sinclair Davidson says the Federal government has dodged a bullet with inflation. He says we are now looking at 4.5% unemployment and praises the Federal Government and coalition now bidding to lower corporate taxes.

Today we talk with Michael Lawrey, executive director for networks and technology for Telstra. Mr Lawrey talks about the promise and opportunities of fibre optic technology, what we call high speed broadband and the changes we can expect to see as Telstra moves away from being a provider of telecommunications infrastructure and becomes a service provider, and what those services might be.

RMIT economist Alberto Posso looks at the rapid increase in over 65 year olds, which is three times more than the increase in younger people. He says this will put pressure on dependency ratios and economic growth. He says cuts to immigration are bad for he economy because they will put further pressure on dependency ratios.

Garry and Leon talk about the RBA holding interest rates at 4.5%. Despite that, evidence suggests that inflation is building a head of steam and economists expect interest rates of 5% by the end of the year. House prices in major capital cities jumped 20% according to the Australian Bureau of Statistics, retail trade grew slowly, residential building approvals fell and sales of new homes have fallen to their lowest level since January 2009. The services industry is also shrinking.

This week's episode of Talking Business features an interview with Craig Scroggie, vice-president and managing director for the Pacific of Symantec, the world’s largest data security company.
Mr Scroggie talks about the changes that technology has wrought in the world, the opportunities it has brought for business, education, healthcare, entertainment and individuals and the growing criminal practices – fraud, identity theft and more -- that lurk in its darker corners and threaten us all.

Garry and Leon look at the string of earnings figures with Bendigo and Adelaide Bank, Commonwealth Bank and National Australia Bank reporting profits. Telstra’s profits are down as are those for Qantas. James Hardie reports a profit but signals weakness in the US housing market. Coca Cola Amatil reports a record profit, Stockland reports a 10% lift in its profits and JB Hi Fi’s profits are up 17%. Computershare profits are up 15% and Cochlear’s rose 19%.

Economist Sinclair Davidson looks at the latest unemployment figures. He says the rise to 5.3% is not as bad as it seems because it shows the job market is picking up with more people looking for work.

Welcome to Talking Business, a podcast produced for the College of Business at RMIT University in Melbourne, Australia.

Today our guest is Katherine Howlett, founder and chief executive of the Blooms Group, a Melbourne-based mortgage broker that specialises in arranging finance for Australians and other expatriates working for companies in the US, Asia, the Middle East and Europe who wish to buy properties in Australia, but pay for them in the non-Australian currencies in which they are being paid. Now 31, Katherine has been an entrepreneur and property owner for more than 15 years.

RMIT economist Jonathan Boymal talks about the low wage price increases and cost of living increases.

Leon and Garry talk about China overtaking Japan to become the world’s second biggest economy and the implications for Australia. Blusecope Steel, OneSteel, Wesfarmers, Woodside Petroleum, Leighton, Lend Lease and Retail Food Group report strong profits but Gunns says its profits will be halved. The Canadian fertilizer maker Agrium is bidding for AWB, derailing the GrainCorp merger. Sigma offloads its drug making arm to Aspen. David Jones reports increased fourth quarter sales and the chairman of Downer EDI steps down after its profits crash by 98%.

Mahesh Singhi and Baljinder Sharma of Singhi Advisors, an Indian investment consultancy based in Mumbai, were in Australia recently looking for likely places for their clients to make some money.

Leon and Garry spoke to them about what they had learned and what they would be telling India’s growing list of millionaires looking for overseas investment.

RMIT economist Alberto Posso talks about long term unemployment and underemployment.

Leon and Garry talk about the business fallout from the election, particularly for the telecommunications industry. But whoever gets to be government will inherit a sluggish economy. Businesses in Australia now say they cut too many staff numbers and now face a skills shortage. The Fair Ombudsman raked in a record amount of court awarded penalties.

Leon and Garry talk to Shannon Cooper, entrepreneur and founder of online start up Rentoid.

RMIT economist Jonathan Boymal talks about the balance of payments, national accounts, building approvals and retail trade trends.

Garry and Leon talk about the surprising growth in Australian GDP and soaring gross operating profits. Confidence among Australian farmers has reached a two and half year high with rising commodity prices and winter rains. But unemployment is rising and companies are paying out less with dividends. The number of new homes sold has fallen 7% and business owners say sales are stagnating or falling. Exports have fallen 4% in July. House prices remain sluggish.

RMIT professor Kosmas Smyrnios discusses the changing face of the Australian family business.

RMIT economist Alberto Posso talks about the latest unemployment data and the issue of remittances from migrants, sending money home to their families.

Garry and Leon talk about the Gillard government just scraping back into office. Regardless of the result, it will not affect Australia’s AAA credit rating, according to Standard&Poor’s. The mining tax is back on the table for negotiation and the National Broadband Network is back in business, although there is a chance city people will pay more.

Leon and Garry talk to the general manager of Docklands, David Young, about the progress of the Melbourne development.

RMIT economist Jonathan Boymal talks about the drop off in lending finance and dwelling unit commencements.

Leon and Garry talk about rising business confidence masking patchy business conditions. Consumer sentiment has dropped and fewer people are taking out loans. However, more people are using their credit cards. Bad news for retailers with a study showing that more are saying they are no longer attracted by discounts. A new report from the Australian Bureau of Statistics shows Australians are wealthier and living longer.

This week's episode of Talking Business features an interview with Janine Fraser, founder and managing director of Directioneering.

RMIT economist talks about the latest well being figures from the Australian Bureau of Statistics. Australians are richer, living longer and better educated. And while income inequality is increasing, the poor are better off than they were 10 years ago.

Leon and Garry talk about how Australians should be bracing themselves for more interest rate rises, possibly four, as the RBA manages the largest minerals boom since the 19th century. The Aussie dollar soars to a two year high but there are some who say it is over valued. Australia’s commodity forecaster predicts a jump in commodity exports. But consumers continue to tighten their belts. The RBA says consumer restraint will continue to give retailers a hard time, consumer debt increases to record highs and the share of debt free households plunges to a nine year low.

Ian Campbell, managing director of Melbourne-based manufacturing conglomerate, GUD Holdings, talks to Leon and Garry about marketing, the consumer appliance business, retailers and their “philosophies” and why he does not always them either useful or profitable. And then there was his highly successful sponsorship through his Sunbeam kitchen appliances company of the TV blockbuster, Master Chef.

RMIT economist Jonathan Boymal talks about the reduction in building approvals caused by interest rate rises, and job vacancy figures showing a tighter labour market.

Leon and Garry talk about the difficulty getting the legislation for the NBN through Parliament. But the Government needs to hurry as Telstra wants to have the NBN finalized by Christmas. Telstra has also released its latest renewal plan. Its shares tanked. The Reserve Bank’s mandate has broadened to take into account the stability of the financial system. The IMF praises the government’s mining tax but wants it broadened to other mineral resources. The latest data shows home prices are stablising but building approvals have fallen as have sales of new homes.

This week Leon and Garry talk to Trent Telford-founder and chief executive of Cocoon Data, a Melbourne-based internet security company.

RMIT economist Alberto Posso talks about retail trade and engineering construction figures.

Garry and Leon look at the Reserve Bank’s decision to keep interest rates on hold – for now. But the big four banks will give the RBA until next month to raise rates, or they say they will go it alone. The Department of Finance has urged Finance minister Penny Wong to make $2.4 billion of cuts to pay for the pledges it made during its negotiations with the Independents and to get the budget back into surplus. The Housing Industry Association warns that housing starts will fall 4 per cent this year, a steep downturn in supply as the federal stimulus measures fade.

Leon and Garry talk about the soaring Australian dollar with the NAB predicting it will hit $US1.10 in the next six months. Treasurer Wayne Swan warns that it could erode tax revenue with manufacturing, agriculture and tourism the hardest hit. Exporters are calling for government assistance to offset the impact of a strong dollar. Meanwhile, the rising dollar looks like it will cause some serious damage to Australia’s $18.6 billion education industry. Investors should be bracing themselves for a swathe of profit warnings with the dollar likely to hit earnings.

Travis Williams, founder and chief executive of Box and Dice Software talks about how he combined his IT knowledge and his family association with the real estate business into a successful niche software company offering agency management programs for real estate agents. His business started in Melbourne as a one-man band but quickly expanded and he now employs 10 people and has extended his client base into NSW and Queensland.

RMIT economist Sinclair Davidson talks about the number of new businesses in Australia, weathering the storm of the financial crisis. Davidson also questions the push by Shadow Treasurer Joe Hockey for the government to introduce laws controlling the banks, and raises doubts about plans to turn Post Offices into financial shop fronts in competition with the banks.

Garry and Leon talk about the likelihood of an interest rate rise in November. Meanwhile, James Packer is back in the mogul business, taking out nearly 18% of the Ten network. The ACCC will investigate the impact that will have on competition. Banks face competition with moves to turn thousands of Australia Post offices into financial shop fronts. Rio and BHP officially declare their Pilbara iron ore joint venture dead.

Jason Castan is founder and chief executive of Never Can Tell, a fascinating small Melbourne technology company that specialises in developing apps for iPhones and iPads. His experience with Apple computers and devices goes back to 1984 when, as a student at the University of Melbourne he developed a program that caught the interest of engineers at Apple Computer in the US. Jason was flown to the US and spent a year there working on Macintosh software.

RMIT economist Alberto Posso talks about the latest CPI figures, and the impact on households, and falling unemployment figures.

Leon and Garry talk about the growing political opposition to the Singapore Exchange's bid to take over the ASX. Inflation figures seem to be contained according to the latest ABS but households are feeling the pinch as higher utilities, rent and clothing bills eat into the family budget. Most economists are saying a rate rise on Melbourne Cup Day is unlikely because of the low inflation figure but producer prices are up, signaling that the RBA might still have to raise rates. Banks meanwhile are lifting their fixed rate mortgages to the highest level in almost two years.

Garry and Leon talk to Origin Energy Managing Director Grant King about the business of energy in Australia.

RMIT economist Jonathan Boymal talks about interest rate rises, retail figures and falling building approval data.

Leon and Garry talk about how interest rates increased over Melbourne Cup day. Meanwhile the inflation index for Australia is picking up. Joe Hockey appears to be on a winner with his plans to control the banks. He and the government are now in a game of one upmanship to bring the banks into line. Australia’s two biggest banks, CBA and Westpac, are losing home loan market share to NAB and ANZ. Australia’s banks post record profits.

RMIT economist Sinclair Davidson talks about the latest employment figures, the problems with the Gillard Government’s Mid Year Economic and Fiscal Outlook and the spate of bank bashing.

Leon and Garry talk about the Gillard government resisting pressure to cut spending following the Mid Year Economic and Fiscal Outlook as the soaring Australian dollar slices $10 billion off government revenue. Qantas has to ground its fleet of Airbus A380 carriers, leaving them out of service during the lucrative summer months as the Qantas share price dives. Banks moving to dump exit fees and ANZ lifts its standard variable mortgage rate by 39 basis points to 7.80 per cent, just below CBA’s 7.81 per cent.

This week Garry and Leon talk to Noel Turnbull, public relations expert and Adjunct Professor in the School of Media and Communications at RMIT University.

Dr Ziggy Switkowski, recently appointed Chancellor of RMIT University takes up his post in January, 2011. He has a distinguished career in science, telecommunications, the arts and business and talks to us on some of the issues with which he deals in his various capacities. He took his PhD in nuclear physics at the University of Melbourne, going on to complete six years of postdoctoral research, qualifications that led to his appointment in 2007 as Chairman of the Australian Nuclear Science and Technology Organisation (ANSTO).

RMIT economist Alberto Posso talks about wages growth and the differential between male and female wages.

Leon and Garry talk about a week of mergers and acquisitions with AMP and France’s AXA SA bidding $14.6 billion to buy AXA Asia Pacific, Brambles buying Dutch container business IFCO Systems for $1.28 billion, OneSteel paying $1 billion to buy business from AngloAmerican, BHP scrapping its bid for Potash, Victoria’s Health Super merging with NSW fund First State Super and QBE buying Renaissance for $278 million. Commonwealth Bank posts a strong profit of $1.6 billion but there is evidence the banks are profiting by lifting rates above the RBA’s rise.

Ruslan Kogan, founder and chief executive of Kogan, previously known as Kogan Technologies, discusses his take on changes being wrought in retail by direct to public online traders. Word of mouth, service and good value are the keys to success, he says, and his company has just reported a 48 percent quarterly rise in revenue at a time when high street retailers are feeling the pinch.

MIT economist Jonathan Boymal talks about the Federal Government's future
package targeting the banking sector.

Leon and Garry talk about Telstra share soaring with the Government getting the NBN legislation through parliament. The new anti-siphoning laws provide wins for both free to air TV and pay TV. Mining magnate Gina Rinehart takes a stake in the Ten Network. Harvey Norman chief Gerry Harvey says retailers are in for a bad Christmas and wants the GST imposed on imported goods acquired off the Internet. Metcash defies the ACCC and announces it will pursue acquisition of Franklins. Private business investment jumps in the September quarter but there is a fall in construction activity.

Leon and Garry talk to the IGA National Board Chairman, Mick Daly, about the grocery industry and the Australian retail environment.

RMIT economist Sinclair Davidson talks about the latest retail and current account figures. He also talks about the call for a stablisation fund and looks at Europe.

Leon and Garry talk about the business wish list for new Victorian premier Ted Baillieu. Meanwhile, the Australian economy hits a soft patch with growth slowing down, the current account deficit widening and a fall in retail sales. Still, the share market continues to perform strongly. Home prices have picked up as have building approvals. RBA Governor Glenn Stevens says Australians should save rather than spend and has called for a “stablisation fund” to save the income from the mining boom. Stevens also says big projects like the NBN should have a cost benefit analysis.

Bill Shorten, Assistant Treasurer in the Gillard Government and Minister for Financial Services and Superannuation, talks to Garry and Leon about the Gillard Government's plans to establish a fifth pillar in Australian banking by providing support to credit unions and building societies. He talks also about Australia’s superannuation system, its size in comparison with those in other nations. He notes that it is now the fastest growing system of its kind in the world and talks about its vital role in the future of Australia’s population and economy.

RMIT economist Sinclair Davidson talks about the unemployment and mortgage figures. He also looks at the reduction in wine production.

Leon and Garry talk about interest rates being put on hold, for now. But evidence suggests that latest interest rate rise has put pressure on the construction industry and BIS Shrapnel says it was premature. Still, more people are taking out mortgages, according to the ABS. Job advertisements are up and unemployment slips down to 5.2%. A global cyber war over Wikileaks could hit Australia. Meanwhile, Treasurer Wayne Swan is preparing his government’s blueprint top bring banks into line. NAB cancels Christmas parties amidst another software glitch.

Jarrod Ritchie is founder and chief executive of TPI Enterprises, one of the world’s largest independent producers of legal opiate drugs, such as morphine and thebane., the latter, derived from the opium poppy as are morphine and heroin, is used in combating drug abuse. TPI enterprises are based in Tasmania, the only Australian state permitted to grow opium poppies. Mr Ritchie competes with major producers of legal morphine in Spain, Turkey and elsewhere, two of whom, Glaxo Smith Klein and Johnson and Johnson have large processing plants in Australia, also using poppies grown in Tasmania.

RMIT economist Jonathan Boymal talks about the economy, housing figures and employment numbers.

Leon and Garry talk about Treasurer Wayne Swan’s raft of bank reforms while the Senate economics committee has hearings into the banking business. Australia’s super system is to be manipulated. New figures show that despite the mining boom, the real economy is struggling with vehicle sales down, personal credit shrinking, dwelling commencements falling, low business confidence and more businesses expected to call in corporate undertakers. Consumer confidence edges up. Retailers say Christmas spending is sluggish but people are buying more bling like trees and decorations.

Ian Woodruff and Rod McCrohan presentation on The 1:1:1 Delivery model as trialled in the Leadership and Management program BUSM 3120. Date:15.12.2010

Ian Woodruff and Rod McCrohan presentation on The 1:1:1 Delivery model as trialled in the Leadership and Management program BUSM 3120. Date:15.12.2010

Ian Woodruff and Rod McCrohan presentation on The 1:1:1 Delivery model as trialled in the Leadership and Management program BUSM 3120. Date:15.12.2010

Ian Woodruff and Rod McCrohan presentation on The 1:1:1 Delivery model as trialled in the Leadership and Management program BUSM 3120. Date:15.12.2010