Question: 1. How useful is a financial plan when it is based on assumptions of the future and we are confident that these assumptions are not

1. How useful is a financial plan when it is based on assumptions of the future and we are confident that these assumptions are not going to be 100 percent correct?

2. Recently a small business increased the wages of its employees, but its productivity is still inadequate. What could be some possible reasons for this low level of productivity?

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