Bernard Esterhuyse is the co-founder of the Calcadot Personal Finance community. Calcadot is focussed on empowering people to understand and manage their personal finances to achieve financial freedom.

The well known belief held by many start-up internet businesses – “Build it and they will come” – has been proven false over and again. People don’t just stumble onto your site just as they don’t walk...

These days everybody is talking about starting an internet based business. One of the largest advantages of this type of business is that it involves very little start-up capital and risk. You do not ...