With the start of a new calendar year, now is a good time to take some time to reflect and assess where your business is headed in 2016. 2016 is already shaping up to be a difficult time for businesses due to the deteriorating world economy and the talk of another world recession, with some economists predicting another GFC. I am a little more optimistic and feel that governments will contain the risks arising from the financial market turbulence. However, we continue to see