Motor vehicle insurance, governed by the Motor Vehicle
Ordinance of 1945, is the most abused and unappreciated insurance product in
the country as at today. Most people see it as a means of avoiding the troubles
of the law enforcement operatives. It is basically seen as “let my people go”
documents. The concern is having one to flash in the face of the operatives and
are not bothered if it’s genuine or not.
I have heard several business owners complain about the
uncooperative attitude of operators in the banking sector when it comes to
supporting and providing necessary funding for their operations. Requests for
support or funding are usually turned down for reason that could have been
avoided if the operations and processes of the sector are well understood and
appreciated by the business owners. Running your account with the institutions
for a while with good activity does not guarantee an approval. 
Entrepreneurs in setting up their business often seek to
enter the arena with a bang, to create an image all in the name of “Branding”
or doing something different to set them aside from the rest. The expectations and zeal are so high, the
adrenalin is pumping, and dreams are high but with low budget. Most of the
time, the limited resources are expended on non-income generating activities
and assets with the high expectation that income will start rolling from day 1.