New research reveals workers are making their employers pay to send their personal packages, with one in ten employees sending ten parcels or more a year at their bosses' expense, costing firms over £80 million. 15 per cent also admit to clogging up their office post rooms by having their personal parcels sent to their work, rather than home, address.

1. Someone asks where your business will be in one year and you don’t have an answer. You ask your partners or management team the same question and you hear wildly different answers.

2. You have some idea of your vision for the company, but you don’t have any idea what you’re going to do in the next year to make this a reality.

An independent review of pensions is about to be submitted to government ministers, according to the Financial Times, which will add to staff costs faced by smaller companies.

Until now, only medium-sized and large companies have been obliged to offer pension schemes from 2012 onward. But - if the review is accepted by pensions minister Steve Webb - smaller companies will not be excluded.