- SimplyBiz -



Welcome to SimplyBiz®

This is a place for you to find mentorship in other business owners and to be a mentor to others by participating in discussions and sharing your insights and experiences. It’s also a platform where you can build a beneficial, like-minded network and promote your business.

As a member of SimplyBiz.co.za I pledge:

To be real (no pseudonyms)
To be open to advice and support
To offer advice and support (and be kind when I do)

SimplyBiz FAQs

Each week the SimplyBiz team receives hundreds of emails from members. Here are our answers to some of the more common questions.

Please read these FAQs carefully. They outline what we consider acceptable and unacceptable behaviour and content. We may update the FAQs from time to time, so please read them regularly.

These FAQs are answered in the spirit of the terms of use of the site.

Can I upload my own articles, guides, tools, videos or podcasts?
In future you may be able to upload your own articles, guides, tools, videos and podcasts too.

Where can I find the question that I asked?
When posing a question, you should select one of the categories. The categories are related to the main headers on the site, namely 'Get More Clients', 'Guidance on Finance', 'Sort Out Admin', 'Manage My staff' and 'Stay Motivated'.

You can look for your questions in the category where you posted your questions under the 'Questions' tab. All the questions and discussions posted under this category will be listed here.

Should your question start to trend on the platform, you may also find your question on the main screen under 'Trending Discussions'.

You will also find your question under 'Username’s Contributions as a Discussion Starter' on your profile page.

How do I start a discussion?
You are able to start a discussion by using the 'Ask a Question' tab.

Select a category for your discussion from one of the main headers, namely 'Get More Clients', 'Guidance on Finance', 'Sort Out Admin', 'Manage My staff' and 'Stay Motivated'.

Depending on the category that you have selected, click on the appropriate header and you will find your new discussion under the 'Questions' tab. All the questions and discussions started under this category will be noted here.

Should your discussion start to trend on the platform, you will find your discussion on the main screen under 'Trending Discussions'.

Where can I find the comment that I posted?
If you made a comment on an article, it will be in the comments section below the article that you have commented on. If you responded to another member's question or discussion, it will be in the category where the question of discussion was started.

For example: If you asked: 'How do I find a reputable accountant' under 'Guidance on Finance', your question will be under the 'Questions' tab.

Why has my comment been deleted?
SimplyBiz welcomes all comments that are constructive, contribute to discussions in a meaningful manner and assist business owners in growing their business. Comments must be relevant to the business community.

We will not condone the following:
• Racism (including offensive comments based on ethnicity and nationality)
• Sexism
• Homophobia
• Religious intolerance
• Cyber bullying
• Hate speech
• Derogatory language
• Comments inciting hate or violence

You must not make or encourage comments that are:
• defamatory, false or misleading;
• insulting, threatening or abusive;
• obscene or of a sexual nature; or
• offensive, racist, sexist, homophobic or discriminatory against any religions or other groups.

We strive to make the SimplyBiz community a safe and welcoming space for all.

SimplyBiz reserves the right to:
• remove any comments that do not meet our requirements; and
• ban users who repeatedly infringe these rules and the agreed terms of use.

Our policy is to remove posts that goes against our terms and conditions and pledge, or that has been reported to us by a member of the site. If you feel a message you posted has been removed without justification, you can reword it and resubmit it on the site. We will also remove replies to, or anything that contains a copy of, the comment that has been removed.

What should I do if I find a comment, person or business profile offensive or inappropriate?
We strongly support the SimplyBiz community in maintaining high standards of participation. If you feel that a comment, question or discussion does not comply with the intent of the site (to be a niche business platform for business owners) or our terms of use, please contact SimplyBiz with full details of where the inappropriate content is located.

The SimplyBiz team also reviews the platform from time to time to maintain an environment conducive to constructive business conversations.

Should you find any comment, person or business profile offensive or inappropriate, you may contact us on:
Tel: 0860 116 400
Twitter: @SimplyBizSA
Email: SimplyBiz@Nedbank.co.za
The 'Contact Us' link at the bottom of all of our web pages

We will assess your concerns against our terms of use and our pledge at our sole discretion.

Please notify us only of serious complaints, not simply because you disagree with something said.

Can I let other people use my account to make comments?
No. Please keep your login details (username and password) to yourself and do not let others use your account.

Why is there a 1 000-word limit for comments under articles?
We have a word limit to encourage users to make their point concisely.

What is the difference between the questions section of the website and comments under articles or blogs?
The questions section contains message boards where users can start threads about topics and discuss matters. Comments under articles or blogs reflect users' views about the article or blog and the aim is not always to start a discussion.

Does SimplyBiz have any guidelines on how to write comments?
Yes, we do. SimplyBiz members want to receive business advice and guidance from different points of view and experiences. We therefore recommend that you keep the following in mind when writing comments:
• Try to contribute to the thread, rather than just clicking on like or dislike.
• Once your comment is online, everyone with internet access can read it.
• Please make your comment clear to ensure that it is not misunderstood.
• Your comment may be rated by other users and categorised as the best or worst comment.
• Don't forget that you are legally responsible for what you submit. Please consider how your comment could be received by others.
• Please be polite. Do not use swear words or crude or sexual language.
• English is the preferred business engagement language to be used.
• Keep your submissions relevant to the story or topic.
• Do not insult other contributions or discuss the non-appearance or removal of any content on this site or the suspension or termination of any users.

If you would like to discuss the operation of the site with us, please email us on SimplyBiz@Nedbank.co.za.

Am I legally responsible for what I write?
Yes. Please note our terms of use and make sure you know what is acceptable.

What is the difference between unmoderated comments and comments moderated in advance?
Please note the following types of moderations:
• Unmoderated: This is when your comment is published on the site without being checked in advance.
• Moderated reactively: The SimplyBiz website is generally moderated reactively, in other words based on complaints received and when coming across issues in our engagement with the site. Moderating the site in this way means that many more business owners and members will have the opportunity to contribute to the articles, comments, questions and discussion.
• Fully moderated/Moderated in advance/Automoderated: There are sites that are fully moderated in advance because they are of a contentious nature. In this case your comment will be checked in advance before it appears on the site, based on content that has been automatically flagged.

Please note:
• The type of moderation used is at the sole discretion of SimplyBiz.
• SimplyBiz has the discretion to remove comments (please see our terms of use).
• Your question, comment or discussion may have been removed because it did not comply with our terms of use, for legal reasons or following a complaint.

Are my comments, questions, discussions checked before they go online?
Yes, they may be. We have an unmoderated and a moderated in advance functionality on the site.

Why do I need to register to make a comment?
As per Seth Godin 'People do not buy goods and services. They buy relations, stories and magic'.

The site is intended to be a niche business community for business owners. To ensure that community members know who you are and what your business does, you must register and agree to our terms of use.

What will you do with my personal or business information such as my email address? Will you share it with external sources?
Personal and business information will be published on the site and becomes available to registered members on the SimplyBiz website so that they can contact you for business and networking.

SimplyBiz will never share your data with anyone. Registered members of the site may share your details with users outside the community without your written consent, but this is not encouraged.

Should this occur, please report it to SimplyBiz immediately.

Your information will be disclosed when we are obliged or permitted by law to do so. Also, if you post or send offensive, inappropriate or objectionable content anywhere on SimplyBiz or otherwise engage in any disruptive behaviour on SimplyBiz, any information SimplyBiz is has about you may be used to stop such behaviour. This may involve informing relevant third parties, such as law enforcement agencies, about the content and your behaviour. For the terms of use please click here.

Please read the terms of use before you accept them as you are giving the members on SimplyBiz access to your personal and business details and permission to contact you.

Registering on SimplyBiz gives Nedbank permission to contact you about products and services that we believe will benefit you and your business.

If you change your mind, you can opt out of receiving marketing material from Nedbank on your profile edit page.

Remember that your comments (with your username) will be placed on the internet and in newsletters, as this is a public forum.

We make every effort to keep your personal data safe.

Will you use my details to send me marketing material?
Registering on SimplyBiz gives Nedbank permission to contact you about products and services that we believe will benefit you and your business.

Registered members on the site can also contact you for business marketing and network purposes. You are able to block a member through the direct-message functionality.

What do I do if I have forgotten my password for my SimplyBiz registration account?
To reset your password please follow this link
. You will receive an email with further instructions. Please check your spam folder if it doesn't arrive in your inbox.

Please note that this email should arrive within a few seconds. If it does not, then it could be because your email provider quarantines automated emails to scan for viruses for a short period before sending them to you, in which case you will need to contact your IT team or email provider. If the registration email does not arrive at all, the most likely reason is that the email address you have entered is not registered on our system.

Remember to change your temporary password on your profile edit page for enhanced security.

How do I change my registered email address/postal address/other personal details?
Please follow this link
to your profile edit page and sign in if you have not already done so. You can then amend the details and click on 'Save Changes' at the bottom of the page.

How do I unsubscribe from newsletters and direct messages?
Please follow this link
to your profile edit page and select your preference under the 'Newsletter Frequency' tab.

As this site is intended to be a business networking site, you will be able to block any newsletters or emails direct.

How do I register to post comments?
Go to the SimplyBiz site and click on 'Register' on the top bar of the screen. You will be taken to the 'Count Me In' page. If you have registered previously, click on 'Login' to access your account.

How do I add a link to my comment
You have to enter the web address in your comment before you post it. Explain why you are including the link – never post a link without context.

Note that external internet sites may be monitored to ensure that they do not contain any questionable or illegal content.

Any inappropriate content must be reported to SimplyBiz for removal and the member will be blocked in accordance with our terms of use.

Can I delete one of my comments?
Yes, you can. You need to contact the moderation team. You can contact them at simplybiz@nedbank.co.za.

How do I delete my account?
To prevent people from creating multiple accounts for the purposes of abusing others or overrepresenting the support for a cause or position, you would need to register your account through your profile page.

Please note that once you have unregistered, you will have to create a new username and password if you wish to become a member again. Your previous username will be blocked, but previous comments will remain available.

How do I contact SimplyBiz?
Please contact us as follows:
Tel: 0860 116 400
Twitter: @SimplyBizSA
Email: SimplyBiz@Nedbank.co.za
The 'Contact Us' link at the bottom of all of our web pages

What do I do if I have an idea for an article, tool or guide I believe will benefit the business community?
You will need to pitch your idea to SimplyBiz under the most appropriate section by sending the relevant information to SimplyBiz@Nedbank.co.za.

The submission will be assessed at the sole discretion of SimplyBiz.

Can I reproduce content from SimplyBiz.co.za?
No portion of this website may be copied or disseminated without Nedbank's prior written consent. Content in the format of articles, guides and discussion comments may, however, be shared. You are not permitted to share the personal contact information or business details beyond this platform, unless you have the written consent of the registered member to do so.

Nedbank takes no responsibility for any personal contact or business information shared without the consent of the individual or business concerned.

How do I find an individual, a business, a question asked or a discussion started?
Search using the SimplyBiz advanced search capabilities available throughout the site.

How secure are my personal details?

Simplybiz takes the security and privacy of your account details very seriously. We will never request your security information such as your password through emails. Passwords are not kept in a readable format and are therefore known only to you, the member.

SimplyBiz will hold your personal information on our systems for as long as you are a registered member of the site, and remove it if you unsubscribe.

For safety reasons, however, SimplyBiz may store messaging transcript data (including message content, member names, times and dates) arising from the use of SimplyBiz.co.za.

You also have the responsibility to avoid unauthorised access. You can secure your personal details by playing according to the rules, never disclosing details of your account, username and password to other people.

Why has my account been suspended?
If you consistently do not comply with the terms of use of the site, your account will be suspended. You will receive an email from the team detailing why your account has been suspended. Moderators will also suspend your account if you have registered with an unsuitable name. If you receive an email requesting a change to your details please make the changes and reregister your account.

Why has my account been banned?
If you register with a username or post inappropriate content as described in the terms of use of the site, your account will be banned. You will receive an email from the team detailing why your account has been banned. Please ensure that that you choose a username that is not vulgar or offensive, and that your comments are appropriate to a business forum. We may also ban your account if you consistently do not comply with the terms of use and have complaints lodged against you.

What about confidentiality, privacy and contempt
Please respect people's privacy. You are not allowed to submit confidential or private information. For example, you must not upload the telephone number, email address or any other contact details of any person without his or her express consent.

You should not write anything that could prejudice pending or ongoing court proceedings of which you are aware. For example, if you have any personal knowledge about someone who has been arrested or charged or isbeing prosecuted for an offence, you must not mention it. If you do, you could be in contempt of court, which is an extremely serious matter.

What should I not do?
• No solicitation or investigations
You must not use our site for:
‒ any sponsorship, petition, campaign, scheme, spamming users or sending a chain message; or
‒ an investigation such as tracing the whereabouts of any person.
• No impersonation and proper disclosure
You must not pretend:
‒ to be someone else (eg an expert, another user or anothermember of our team); or
‒ that you are unconnected to a topic, when in fact you are. If you have a personal connection to a topic, you should disclose your connection or, where appropriate, not comment at all.
• No linking or copyright infringement
You must not insert links to websites (URLs) or submit content that would be an infringement of copyright.

Who can comment on articles, questions and discussion boards?
Only registered members are permitted to make comments on articles, ask questions and respond to questions.

How do I decide what is acceptable?
In deciding what is acceptable, please respect the spirit and tone of the FAQs, the pledge and the terms of use, as well as the best interest of the community.

Why would you suspend or terminate a member's registration?
We reserve the right to suspend or ban an account at our sole discretion. Here are some reasons why we might do so:
• If the terms of use, the pledge and additional notes found in these FAQs are breached.
• If fellow SimplyBiz members are spammed or harassed.
• If the spirit and tone of the community are not respected.
• If the conduct or comments of the member demand a disproportionate amount of our time or that abuse SimplyBiz members.

The length of a suspension and whether or not we ban someone depend on the circumstances. Bans are generally for extreme cases and repeated serious abuse.

If we suspend or ban your registration, you may not reregister or submit content without our permission, for example by using someone else's account.

Contact Request


These terms form a binding agreement between Nedbank Limited ('Nedbank') and any person who uses or accesses the SimplyBiz® site at www.simplybiz.co.za ('site').

1 Interpretation and definitions
1.1 Unless otherwise specified:
1.1.1 the term person refers to natural and legal persons or groups of persons;
1.1.2 the singular includes the plural, and vice versa;
1.1.3 words that have been defined in these terms will have the meaning attributed to them in these terms, unless the context clearly indicates otherwise; and
1.1.4 references to Nedbank, will, where necessary to limit its liability or enforce its rights, include its service providers, agents, clients, officers, shareholders, directors and employees.
1.2 The following words will have the following meanings:
1.2.1 'Use' means any of the following actions: accessing, viewing, sharing or commenting on the content on the site for any reason, and/or creating, posting, copying, editing or otherwise contributing content to the site.
1.2.2 'Content' means material in any form or of any kind, including text, files, documents, software, code, videos, photos, podcasts, member details or other multimedia works.
1.2.3 'Post', read as a verb, means submitting, uploading, creating, transmitting, disseminating, sharing, commenting, storing, copying or otherwise making content available on the site.
1.2.4 'User' is any person who merely visits the site, as well as a person who posts content in his/her capacity as a registered member or otherwise, and includes Nedbank employees.
1.2.5 'Member' is a registered user.

2 Nature and purpose of this site
2.1 This site is meant to enable members to provide guidance and information to one another on business-related topics, to access articles and download tools, to highlight Nedbank services and products, along with other exciting developments in the small-business industry, on a public platform.
2.2 The site allows members to profile themselves and their businesses for networking, document processing and mentoring purposes.
2.3 The content on this site may only be used for the purposes stated above.
2.4 The site contains, among others, the intellectual property rights, including copyrights and trademarks, of Nedbank and its members.
2.5 No portion of this site may be copied or disseminated without Nedbank's prior written consent.
2.6 Once a member has registered on the site, the following will apply:
2.6.1 You will be able to request contact with other members for information or networking purposes.
2.6.2 You can accept, ignore or decline a request to further a business relationship.
2.6.3 You can accept or decline a request Nedbank generated through the site to contact you with discussions, topics, content of interest or information regarding those of its products and services that it believes would be relevant to your business. You will be able to opt out or amend this feature.
2.6.4 Any contact uploaded or shared is done at the risk of members.
2.6.5 Interactions on this platform are classified as social media interactions and are governed by Nedbank's social media policies. Members are encouraged to bring to our attention any incorrect, defamatory or inappropriate content or conduct by sending an email to simplybiz@nedbank.co.za.

3 Prohibited content
3.1 While Nedbank respects and encourages the constitutional right to freedom of speech and expression, in the interest of all users the content listed below may never be posted on the site. This applies regardless of whether you are posting your own content or using content created by a third party.
3.1.1 Content that in Nedbank's sole opinion is or can generally be considered to be obscene, sexually explicit or pornographic.
3.1.2 Content that is illegal.
3.1.3 Content that you know to be false, or is designed to be misleading.
3.1.4 Content that is defamatory, intimidating, harassing, hateful, injurious, racist, sexist, abusive, malicious or threatening to any person or group of persons.
3.1.5 Content that incites hatred or violence.
3.1.6 Content that is frivolous, unreasonable, vexatious or posted in bad faith.
3.1.7 Content that infringes or may infringe the intellectual property rights of any person or legal entity. This includes content that you didn't create or that you do not have permission to post.
3.1.8 Content that constitutes or may constitute an invasion of the privacy rights of any person.
3.1.9 Content that constitutes or may constitute the wrongful or unlawful disclosure or publication of confidential information or trade secrets.
3.1.10 Content that is otherwise injurious to any person.
3.1.11 Content not expressly authorised by Nedbank that endorses, offers or promotes any product or services for commercial purposes.
3.1.12 Content that contains viruses, worms or other destructive code.
3.1.13 Content that may expose Nedbank or any other users to harm or liability.

4 Right of use
4.1 You may not use the site to do any of the following (whether for yourself or on behalf of any other person):
4.1.1 Impersonate any person.
4.1.2 Harass or intimidate any person.
4.1.3 Collect the personal information of any person.
4.1.4 Post spam.
4.1.5 Expose Nedbank or any other users to any harm or liability.
4.2 If you are unsure whether your conduct or content will amount to defamation or infringement or cause any harm you must not post it but obtain legal advice first. Nedbank is not in a position to assess whether this is the case and cannot advise you on this.
4.3 Nedbank reserves the right to remove any prohibited content and suspend or terminate your right to use the site immediately.

5 Desired behaviour
5.1 Make comments, share articles or repost opinions that are true or amount to fair comment and that are in the public interest in the context of the site community. If you fail to do this, you may be held liable for defamation (causing harm to a person or legal entity's reputation).
5.2 By posting content on the site you warrant and represent that you either created, own or otherwise have the right to use or post that content.
5.3 You warrant that any content that you post does not infringe any party's intellectual property or personal rights, including, but not limited to, his/her/its patent, copyright, trademark, trade secret, privacy or other personality rights. You also warrant that your use of the content or posting thereof constitutes fair use or fair comment or truth that is in the public interest.

6 Complaints
6.1 Any product or service complaints about non-Nedbank products must be directed to the product or service provider in question to ensure resolution.
6.2 Any product or service complaints about Nedbank should be directed to the correct channels within Nedbank.

7 Licence
7.1 By posting content on the site, you grant Nedbank a non-exclusive, royalty-free, perpetual and worldwide licence to use your content in connection with the operation of the site and compiling information on its products and/or services.
7.2 By posting content on the site, you grant users/members permission to share your comment on social media platforms.

8 Registration
8.1 When you register to use the site (become a member), you must provide information that is true and accurate.
8.2 You must keep this information up to date.
8.3 By registering to use the site you warrant that you are over the age of 18. Alternatively, you confirm that your parent or legal guardian has agreed to your use of the site.
8.4 In the case of business registrations you warrant that you are duly authorised to register the business on the site. Businesses and individuals that register on the site may be vetted with a view to excluding any businesses or individuals deemed to be inappropriate by Nedbank. This will be at the sole discretion of Nedbank.

9 How we protect your user information
9.1 All users must be registered to become members.
9.2 On registration members can choose which of their details are available for other members to view.
9.3 On registration as a member on the site your personal and business information will be available to all registered members of the site.
9.4 Members have the ability to omit information that they do not want to publicise.
9.5 Personal and business information is made available in line with the nature and purpose of the site, and may not be used beyond this framework.

10 Privacy Policy
10.1 Nedbank recognises and respects your right to privacy. Accordingly we are committed to the protection of your personal information and the appropriate use of that information.
10.2 Access to this information is limited to the site, Nedbank and any member.
10.3 The information will be used to communicate with you only if you have selected to receive marketing information in your member registration form or profile.
10.4 Cookies accessed or stored by our site may retain personal information such as your name, email address and contact number, but you have the choice to switch off cookies on your computer.
10.5 No personal information gathered by us about you will be shared with any other person or entity without your prior permission, except as provided in these terms or as required by law.
10.6 Be aware that communication between you and any other member of the site can be accessed by other internet users.
10.7 Please do not use email if you want to share confidential information with us.

11 Your login details and duty to log out
11.1 You agree to keep your login details secret, including your username and your password, which you must select.
11.2 You must not give third parties access to your account or login details.
11.3 You must log out after each session to prevent other persons from accessing your account.
11.4 As we deal with each other in a non-face-to-face environment, we are entitled to assume that any content posted on the site after login with your username and password was posted by you or with your consent.

12 Nedbank's role and responsibilities
12.1 Nedbank merely provides a site for the use and appropriate enjoyment of its users.
12.2 Nedbank reserves the right to screen users after registration.
12.3 Nedbank reserves the right to monitor, delete or modify any of the content posted on the site from time to time, and to perform checks on members.
12.4 Nedbank respects the rights of all persons and requires that its members do the same.
12.5 If you believe that any person is acting inappropriately or performing any of the prohibited acts or posting prohibited content, you may contact Nedbank to report the matter, and Nedbank will take the appropriate action at its sole discretion.
12.6 Complaints that are frivolous, unreasonable, vexatious or in bad faith will not be entertained.
12.7 Nedbank reserves the right to monitor, or participate in, any disputes between members.
12.8 Nedbank's publication of any content posted by any member on the site does not amount to an endorsement of any kind.
12.9 Before relying on any product information, opinion, guidance and/or service you should verify that the resource, guidance, content, product and/or service is accurate.
12.10 While Nedbank will regularly back up site data, and endeavour to recover data that may be lost, it is not obligated to do so.
12.11 The availability of the site and its content, including data stored by members, cannot be guaranteed.
12.12 Nedbank reserves the right to discontinue the site at any time.

13 Disclaimer of warranties and limitation of liability
13.1 Nothing on the site constitutes an offer.
13.2 You agree that Nedbank will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage incurred as a result of your use of or reliance on any content posted on this site.
13.3 Nedbank is not liable to any person for any losses or damages that arise, directly or indirectly, from any content appearing on or originating from this site, or the actions or omissions of any members of this site or Nedbank in regard to this site.
13.4 This site is provided as is and as available.
13.5 Nedbank makes no representations or warranties of any kind, express or implied, as to the site's operation or the content included on the site.
13.6 Nedbank cannot and does not verify the accuracy, truth, ownership rights or nature of any content its members submit.
13.7 Nedbank will not be liable for any damage of any kind arising from the use of or inability to use the site.
13.8 To the full extent permissible by law Nedbank disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for any particular purpose.
13.9 Information transmitted over the internet or stored for display on the internet is susceptible to unlawful interception and monitoring.
13.10 By using the internet you accept the risks associated with unlawful interception and monitoring.
13.11 Comments on the platform may be shared outside of the platform and Nedbank will not be held responsible or liable for any effects and/or damages that may arise as a result of this.

14 Member indemnity
14.1 You agree to defend and indemnify Nedbank against and hold it harmless from any and all demands, liabilities, losses, costs and claims, including reasonable attorneys' fees that may arise or result from your use of the site, or that was caused directly or indirectly by you or any person whom you allowed to access the site, whether by posting content on the site or otherwise.
14.2 Without derogating from the foregoing, you agree that Nedbank will at its sole discretion have joint control over litigation that arises as a result of your use of the site
14.3 No undertakings, settlements, public communications or statements that refer to or implicate Nedbank, directly or indirectly, will be issued or given without its prior written consent.

15 No responsibility for third-party sites, content and charges
15.1 From time to time Nedbank or members may provide links or access to third-party sites and content.
15.2 Nedbank is not responsible for such third-party sites or content or actions.
15.3 Nedbank does not provide any warranties about such third-party sites or the content or the operators of such sites.
15.4 Nedbank in no way recommends or endorses these parties, their sites or their content, products, opinions, advice (if any), relevance, currency, security or privacy.
15.5 Third parties may levy additional charges for using or accessing any of the content made available on the site, including cellphone or content service providers.
15.6 It is your responsibility to check charges before downloading content onto any device.
15.7 You agree that you must evaluate and assess content independently.
15.8 You will bear all risks associated with the use of any content. If you download any software by means of the site, you will be bound by the relevant software licence agreement.
15.9 You agree to exercise caution when accessing links on the site or links that are emailed to you. The disclaimer in 13.3 above will apply to your accessing any links as stipulated in these terms of use.

16 We may modify these terms
16.1 Nedbank reserves the right to change these terms at any time and at our sole discretion.
16.2 You are responsible for regularly checking whether these terms have changed.
16.3 Any amendments will be binding on all users of the site.
16.4 A certificate issued by the webmaster will serve as prima facie proof of which version of the terms applied at a specific date, or which content was posted on the site on a specific date.

17 General
17.1 Entire agreement
17.1.1 These terms constitute the entire agreement between you and Nedbank regarding the use of the site and replace any previous agreements.
17.1.2 If you download any software from the site, the licence agreement applicable to such software will also apply to you.
17.2 Non-waiver and severability
17.2.1 Our failure to exercise or enforce any right or provision of these terms will not constitute a waiver thereof.
17.2.2 If any provision of these terms is held to be invalid, unlawful, void or unenforceable, the remainder of these terms will continue in full force and effect.
17.3 Governing law
17.3.1 The laws of the Republic of South Africa will apply.

Unregister Notice

You have clicked the unregister button, are you sure you want to unregister from SimplyBiz?

Creativity - A Habit worth Nurturing
By SimplyBiz

header image

“I just traded out of it”. This was the response to a question I asked an office furniture manufacturer when he shared his story about when his largest customer cancelled their account. Overnight he lost 60% of his business; I was really intrigued as to how he survived such a blow.

He saw it as just getting on with a really, really bad day. When I heard what he actually did, I saw it as unflagging hard work and yes, applying a healthy dose of creativity.

He had a crippling surplus of stock, an angry customer and staff to pay. He contacted all of his current clients but apart from a minor increase in sales, this brought no salvation. He admitted to spending a good few hours staring despairingly at the wall but then he saw an advert for an auction in the Classifieds. He placed an advert for an‘auction-for-beginners’ at his factory. He had no idea how to run one, but he contacted an agency and negotiated a discounted fee, based on the potential for future business.

He faxed copies of the advert to office managers within a 15km radius and offered free drinks and snacks. He moved enough stock to survive, some of it at a loss, but at least there was cash in the bank and most importantly, he developed relationships with new end-user customers. He had also started to trade his way out of a disaster.

Creative” is a characteristic that few small business owners would use to describe themselves, but it seems to me that the mere acts of starting a business, finding customers and solutions to their problems, handling staff conflict and developing new product offerings are extremely creative. Sadly, what tends to happen as the day-to-day stresses of running a business take their toll, we literally stop thinking in terms of “what if?” defaulting instead to “what now!”

This three-step process may help to develop a habit of “what if?” thinking so that when the proverbial rainy day arrives, we can tap into our innate creativity more easily:

1) What do I see? (Build a picture in your mind)

e.g. I see a productive factory full of happy and motivated staff

2) What do I think?

It’s not possible to achieve this without money and with the current tough labour laws

3) What if?

I wonder what it would be like; I wonder what we would have done to achieve it; I wonder how long it would take; I wonder how we built such a positive team; I wonder…

It is human nature to stop at the second step. There are always reasons why it’s not possible, but the really exciting opportunities are only accessible once we allow ourselves to play in the “what if?” space. I use the word ‘play’ deliberately because this is when we free ourselves up and let our creativity out. There is no such thing as a wrong or unrealistic answer. As children, we saw dragons in cloud formations and that was so cool! The aim of this process is not necessarily to come up with solutions to problems, but to develop the habit of thinking differently, thinking creatively.

What if? …What if we land that big client? What if I have happy and productive staff? What if I can actually take that family holiday? What if we can develop a better delivery solution?

Key take out: Developing a habit of creativity may help unfreeze our thinking at a time of crisis or simply solve an irritating operations glitch. Either way, the daily five minute time investment is worth it

What if? …What if we land that big client? What if I have happy and productive staff? What if I can actually take that family holiday? What if we can develop a better delivery solution?


Developing a habit of creativity may help unfreeze our thinking at a time of crisis or simply solve an irritating operations glitch. Either way, the daily five minute time investment is worth it


Author: Janet Askew

What is your take?


    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      I love the idea of the child who survived: the kid who grew-up, whilst still hanging onto their child-like imagination and curiosity. Schools tend to try and make kids conform to a measurable norm. Teachers and fellow students make life tough for kids who are different. So, kids slowly learn to fit in. This robs children of their chance to be their unique-self. The misfit they were born to be.

      Today, you have full artistic freedom

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      Embrace your inner misfit

      You were born unique. That uniqueness is still within you. Yes, it may take time, but you can reconnect with it.

      A great place to start is to observe the freedom with which your kids, siblings or grand-kids behave.

      Look at how they create, how curious they are and how much fun they have. Learn from them.

      There are very few adults who retain or recapture their ability to think with the freedom of a child. But those who do are the misfits. The people who make a difference.

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      The creative adult, is the child who survived.

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      Here are 6 ways crteative people differ from their less creative counterparts.

      The misfit goes hunting for inspiration with a club. The others wait for inspiration to arrive.

      The misfit is brave enough to rock the boat. The others avoid making waves.

      The misfit creates their own path. The others follow the pack.

      The misfit seeks out opportunities. The others look for guarantees.

      The misfit uses their creative instinct. The others follow the handbook.

      The misfit does what’s required. The others do what’s comfortable.

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      JK ROWLINGS thinking is

      The reality is that the most successful people are actually the least likely to follow rules. They are the misfits. They only rise to the top because they follow their own, meaningfully different path.

      The only rule for success is that there are no rules. Do your thing… your way!

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      This obviously leads to how can you be positive when everyone around you is miserable, negative, blaming everyone else, is sick, tired, depressed, uninteresting, skinnering, telling anyone who will listen to them, their sob stories

      Please.... get rid of these people... move cities, become a hermit, find the ones who are creative, who are alive, who have learned that positivity and CAN DO is a choice. Because if you want all your creativity to shrivel up and become a raisin... stick with the former list 

    • Avatar
      590 days ago ShaunAnderson started a discussion. 2 0

      Ohers ahve absolutely no control over your choices so for crying out loud, stop passing the blame 

      If you dont think positively it is entirely YOU TO BLAME... do not PLEASE try and lay the blame somewhere else

      POSITIVITY is your choice...JUST DO IT

    • Avatar
      590 days ago ShaunAnderson started a discussion. 3 0

      Often what sets one creative person apart from the rest is not only their willingness to be open to new ideas, but their willingness to try things too.

      And if you want to know how to get your CREATIVITY unlocked, lets start at the only logical place... positivity 

      POSITIVITY is a choice that you make and you learn to make. Its all about WHY WOULD YOU THINK YOUR DESTINY IS IN SOMEONE ELSES HANDS ???? 

    • Avatar
      590 days ago ShaunAnderson started a discussion. 4 0

      Creativity isn’t just what you think, it’s what you do with what you think

      Ideas are worthless until you get them out of your head and start doing something with them

      As a self taught musician of dubious ability, i used to play and practice in my room and loved it.

      Years later i am dropping off a new guy who had joined the company at his house and saw that he had a few amps and speakers and guitars set up in a spare room

      It obviously peaked my interest and i suggested we play a tune. From this we started a small 2 piece lounge band and played background music at a caberet club his brother managed and things went from strength to strength, got a piano player and played for years all over the place. I learned that youre only really creative when you perform to real people and see how much joy your talent brings to others... creativity needs expression 

    • Avatar
      590 days ago ShaunAnderson started a discussion. 4 0

      It is also amazing how sometimes the answer to a deadend lack of ideas is in a completely different approach, and when that light comes on, you think WOW thats brilliant why did i not think of that before

      • Avatar
        TheTastyChef 590 days ago 2 0

        And it's OK to experiment. Try something new with your projects. Look to new ideas and go for what hasn't been done before...sometimes your best work can spring up out of a hunch or gut feeling!

        Go on, give it a go...the excitement of the unknown is what keeps us alive. Not being afraid to make a mistake is crucial to succeeding in creative endeavours. Having creative ideas is one thing, but actually acting on them to prove them out is another. Rather than having more and more idea meetings, why not actually work on some ideas and test them?

      • Avatar
        Clint 590 days ago 3 0

        The typical pyramid power structure of an organization should be turned on its head, so that the boss spends a great deal more time ensuring people’s jobs are fulfilling than simply bossing them around. Quite often the best ideas develop from the bottom up, rather than the top down. Trust your talent.

        • Avatar
          TheTastyChef 590 days ago 2 0

          Yes and you should also create space for your creativity, both inside and outside. Take a look around you, and within you. Most people carry a lot of debris, floating and bumping about in a constant orbit, distracting and cluttering their creative space. 

          Take time out every day to keep these spaces clear. 20 minutes meditation and 10 minutes clearing your desk/office/apartment every day will help the clarity and focus of your mind.

          You should sit in meditation for 20 minutes every day unless you’re too busy, then you should sit for an hour. 


      • Avatar
        TheTastyChef 590 days ago 3 0

        As businesss owners, we should be encouraging this behaviour in our staff.  Make your business atmosphere one where people feel comfortable throwing in those ideas out of left field. That person recently mocked for an idea that may not have had any traction may well come up with your Next Big Thing, but you’ll never know if they no longer have the confidence to speak up.

        • Avatar
          Clint 590 days ago 3 0

          As a business owner, if you’re looking to nurture, build and allow creativity to flourish in your organization, you need to be aware that you don’t have all the answers. You can learn something from everybody.

          Yes it may your company, or you’ve obtained a senior position so you’re understandably proud of your achievements to date, but you cannot succeed on your own. 


        • Avatar
          TheTastyChef 590 days ago 3 0

          The late, great Robin Williams, in one of his lesser known roles, once said 'I used to think the worst thing in life was to end up all alone. It's not. The worst thing in life is ending up with people who make you feel all alone.' 


        • Avatar
          TheTastyChef 590 days ago 3 0

          Yes ShaunAnderson,  by surrounding yourself with other creative people, you should find your own creative spirit being encouraged and nurtured. If those around you are closed-minded, then your creative bloom can wither over time in the aridity of your environment.


        • Avatar
          ShaunAnderson 590 days ago 4 0

          So How do you get out of a creative rut???

          Start with positivity around you and then lets have a look

        • Avatar
          Clint 590 days ago 3 0

          I agree TheTastyChef, and rather than making your staff prisoners of their schedules, make them masters of them.

          Stress and fear are the enemies of creativity. Taking breaks is healthy; enforced routine can breed mediocrity. If your staff are too busy worrying about getting to work bang on time (or early!) and presenting a facade of working late to appease the culture, then that’s valuable time and brain power that they won’t be committing to dreaming up or manifesting creative approaches to your success.

          A creative mind requires space within which to flex. And flexibility is the key word here. The more draconian the enforced rules and regulations around minutiae such as clocking in and out, the fewer creative minds you will obtain, and retain.

      • Avatar
        TheTastyChef 590 days ago 3 0

        And if you think of an idea that at first seems ridiculous, don’t kill it off immediately...there’s often a kernel of inspiration in there that, if given a chance to grow, can become something amazing. Always note your thoughts down. You can return to them later, and explore them with a fresh perspective.


        • Avatar
          ShaunAnderson 590 days ago 2 0

          By definition, a rut is a deep track made by the repeated passage of a person or thing. It’s like going out for a walk every day of your life and always taking the same path. Over time that path becomes worn and deep, no matter whether it’s over rock, dirt, snow, or sand. The path will show and its edges will be notably tall.

          Your brain is filled with ruts. When you were younger you began to see the world and learn things, over time the more you saw similar things or experiences the same thing, your brain began to develop patterns or ruts to make accessing that information easier to do. Like walking the same path every day, the more you think in the same patterns the deeper those patterns get.

    • Avatar
      590 days ago ShaunAnderson started a discussion. 4 0

      And its that feeling of being alive that permeates your aura when you have turned on creativity

    • Avatar
      590 days ago ShaunAnderson started a discussion. 4 0

      Creativity.... I really think that our very over regulated society, corporate jobs and slogging at the office has bred creativity out of the majority of people.

      I say this becasue mostly our own ideas and new ideas and disruptive thinking is just not what the system wants. It wants people who do as they are told mostly

      But the joy of developing your own story and living it is the key to unlocking the most interesting  and alive you

      • Avatar
        TheTastyChef 590 days ago 3 0

        I agree ShaunAnderson, and people need to stop being so afraid of their creativity!

        If you’ve got a creative idea, then the best way to discover its worth is to get it out there. If you keep it to yourself then an idea is just that...an idea. Nothing more. And the great thing is, the more ideas you get out there and turn into reality...the better they’ll get. Like anything else, practice makes perfect. All the best inventors have a long list of prototypes that never got past the second stage, but at least they were explored and tested.

        Like Nike said - Just Do It!


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