In business, you’re never too experienced to learn something new. Small business how-to guides online and in mags are a great way to refresh your thinking and see your business in a new light.

We’ve heard from the government, Bank of England and business lobby groups that we’re in for a hard time next year, so now is prefect to brush up on your core business requirements.

We think cash-flow, marketing on a budget and a revisit to the old business plan are things that should be top of your agenda right now, so click the links to read on.

People don’t rush out and buy super-yachts when economic crises hit, which is probably why the market for pleasure cruisers has fallen into a big hole.

Take the 164ft Alibella (pictured), it used to be worth €33m (about £30m), now it’s a snip at just €24.5m. Clearly, people just can’t justify these little luxuries.

According to this article, there are a lot of boats out there with low price tags but no interest from rich punters. Next year will be a tough one for this niche market.