"Efficiency is a life-long discipline, and not everyone has it or can learn it," says Robyn Pearce's wise old aunt.

Iconic Kiwi businessman Lloyd Morrison would have been pleased to see New Zealanders now have four new options to weigh up should the vote be in favour of changing the flag, writes Fran O'Sullivan.

Graham McGregor takes a look at what he thinks are some of the keys to marketing success.

Business disquiet about Uberisation is misplaced, writes Kevin Malloy.

Liam Dann writes: Inflation is not dead and there seems no doubt market volatility and the slowdown in China were top of mind for many.

There's nowhere to hide in a duopoly, as Ralph Waters has discovered to his cost.

Tom Hartmann asks: Everyone's busy - so what's the one thing you can focus on this week that will make the most difference?

Debbie Mayo-Smith shares her recipe for working smarter and tips for automating tasks.

If you think education is "going to the dogs" then you really ought to get down to a local school and take a look at how they're teaching.

Your advice to retirees to get out there and live it up - and not worry about investing money, or putting it into term investments - is probably a good idea.

Auckland Council chief executive Stephen Town is displaying all the hallmarks of a bureaucratic stealth bomber.

What is going on in China and why is it having such a profound impact on world financial markets?

Mary Holm responds to readers financial questions - should old people spend the money and live it up?

Slip-ups are no surprise, given the vast reforms the country is going through, Brian Fallow writes. As China has contributed about a third of global economic growth in recent years, few are immune from the effects of its slowdown.

Privatisation is unlikely, but the Government is looking at other ways for TVNZ to get friendly with the private sector, writes John Drinnan.

Many of us wouldn't be brave enough to invest any money when things look as precarious as they have lately, writes Mark Lister. We would sit on the sidelines and wait until things looked safe agai

The internet of Things - IoT - is a marketing buzz-term, but the whole thing will be upon us sooner rather than later, writes Juha Saarinen.

Graham McGregor shares tips on how to use infographics in your marketing.

Christopher Niesche writes: The jobs and education portal is a mature business in Australia so it has to look for growth overseas, particularly in Asia.

Next week is a choice opportunity to get us all talking about money matters, writes Tom Hartmann.

Debbie Mayo-Smith talks to Julie Russell, Secretary of the NZ Bookkeepers Association, who was one of the early adopters of Xero accounting software.

It is crunch time for the economy, crunch time for Bill English and his "steady as she goes" economic plan.

Will we have to start taking Google's search results with a grain of salt?

If you could take out a mortgage fixed for 12 years at 4.01 per cent to invest in an asset that lasts decades, would you?

When are you Kiwi enough to qualify for KiwiSaver? Helen Twose puts that question to Nigel Jackson, Westpac's head of wealth products.

Once depressed, debt becomes a vicious circle, says Judi Clements, chief executive of the Mental Health Foundation.

Foreign firms play an important role but we need good rules in place, writes Brian Gaynor.

The country is not convinced a deal would have plenty of upside, writes Fran O'Sullivan.

Q: A few years ago my daughter entered the workforce. She got a credit card with a limit of $500. Within a year the bank sent a letter raising the limit to $10,000.