Author Archives: admin

PREPARE FOR THE SIPP PRICE WAR

Next year Vanguard, the world’s second-largest fund manager, is launching Britain’s cheapest private pension to date, throwing down the gauntlet to its competitors and fuelling expectations of a price war.

The self – invested personal pension (Sipp) will have an annual administration charge of 0.15%, capped at £375. That is far below the industry average of 0.35%. There will also be no additional costs for exit fees, valuation statements or transfers.

Vanguard says the Sipp will initially only be available to people who are building up their retirement savings, not those that have already started drawing on them. A pension drawdown service is expected to launch in the next year.

Someone putting the full £40,000 annual pension allowance into the Vanguard Sipp would pay £172 a year in charges. The same amount in a Vanguard fund held in the most expensive platform’s Sipp would cost up to £400 a year.

Compounded over decades of pension saving, these fees can add up. A 43-year-old investing £40,000 for the next 25 years would save almost £10,000 with Vanguards Target Retirement fund if invested Vanguard’s Sipp instead of a higher-cost platform.

Two years ago Vanguard introduced an Isa and investment platform credited with starting price war that has forced rivals to push down their costs. The Sipp, which promises to let savers sign up in just ten minutes, could shake up the market again by forcing another reduction in costs.

There’s more good news. Vanguard has some of the lowest fund fees in the industry. A typical Vanguard fund fees in the industry. A typical Vanguard fund comes with an average fee of 0.2%. Hargreaves Lansdown, the biggest investment platform, charges an average fund fee of 0.94%.

Note too that the account-fee cap applies across all the products you hold with Vanguard, whether that’s Sipp, Isa or a general account. The drawback to the Vanguard Sipp is the choice of funds. It only offers a limited own-brand selection.

Hargreaves Lansdown charges more – a 0.45% management fee plus fund fees and some dealing charges – but offers a full range of funds, investment trusts and UK and international shares.

Some investors will pay more in order to get access to a far wider choice of investments. But the success of Vanguard’s Isa shows that many will opt for a limited selection in return for low and clear charges.

Motivational Quote Of The Day

“You can’t wait for inspiration. You have to go after it with a club.”   

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Jack London

Alternative Quote Of The Day

“My neighbour asked if he could use my lawnmower and I told him of course he could, so long as he didn’t take it out of my garden.”   

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Eric Morecambe

Manify It!

There’s a particular type of shop which I hate, and which my wife seems to gravitate towards for some reason. They smell horrifically florid – hardly surprising since half the stock seems to comprise of dried flowers, pot pouri and scented candles.

I really can’t stand anything about the places – but particularly the smell – which is why I was interested to read of a business set up by 13 year old Hart Main from Ohio.

Hart didn’t like the smell of the ‘girly’ candles his sister bought, and decided to create something different. ManCan was born and led to the development of a whole range of ‘manly’ scents including coffee, campfire, fresh cut grass, bacon and dirt!

What a great idea – and from a 13 year old who started the business by saving his paper round money.

The business he created poses a wider question though – what other primarily single sex products could be modified or adapted so that they appeal to the opposite sex?

Today’s National Day   

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NATIONAL LAUGH AND GET RICH DAY!  

PUBLISHERS NOTICE

I Have Some Very Good News…

Financial trading can be very complicated, or it really
can be as simple as this: 

1. Load up a piece of bespoke software  
2. Set up some simple checks and balances
3. Let it loose on the markets
4. React to some
5. Collect your profit! 

…And Repeat

You can now get on the inside and start profiting from this straight away. To find out how visit:
www.streetwisenews.com/wizard 

DO YOU HAVE HIDDEN ASSETS?

Just read something which, aside from being fascinating, may provide a ‘light bulb’ moment for someone.

BT’s network has 75 million miles of copper wire. At today’s price that’s worth around £50 Billion – which is more than three times the company’s market capitalisation of around £15 Billion! So the company is worth far more in scrap value than it is for it trading and profitability potential.

Now I know the company aren’t about to throw in the Telecom’s towel and go into the scrap metal business, but that got me thinking; How many individuals and companies are sitting on big assets which they don’t really think about?

And is there a way they could capitalise on these assets outside of their regular trading activity. Perhaps it’s worth thinking about your own hidden assets. They may be more modest than BT’s, but that doesn’t mean they can’t be life changing for you.

Motivational Quote Of The Day

“When I was young I thought money was the most important thing in life; now I’m old I know it is.”

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Oscar Wilde

Alternative Quote Of The Day

“Hate your job? There’s a support group for that. It’s called everybody and they meet at a bar.”        

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Drew Carey

3,000 Lunches A Day – And No Kitchen

A San Francisco company run by two Stanford business graduates provides lunches for over 3,000 office workers in the bay area each day, and they don’t cook or prepare a single one.

Eat Club’s secret is that they are middlemen – reaching deals with individual restaurants each day, negotiating discounts, and then delivering to their customers for a flat $7.50 a head. Nothing fancy- just three menu choices each day.

This seem like an excellent business model – let someone else invest in a restaurant, kitchens and everything else that’s needed, and then simply sell what they produce. If consumer tastes change, the company aren’t locked into one kind of food and can very quickly change supplier.

I can’t think of any reason why a business like this wouldn’t have a great chance of success in any major city – and with much lower risks and start up costs than a traditional catering operation.

Today’s National Day   

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NATIONAL I WANT YOU TO BE HAPPY DAY!  

Important Publishers Notice:

How To Get Weekly Compensation
From The “Get-Rich-Quick-Gurus”

I’m receiving £938 a week straight out of their pockets! To find out how YOU could do the same visit…

www.streetwisenews.com/fortune

Making Money With Kuflink

Last week I updated you on peer-to-peer lender Kuflink, and made a short video about the opportunity to earn around 7% on your money. You can see the video here. What I barely touched on was the opportunity to make money by investing with the company. Over the past week, the company have enhanced their referral and cash-back bonus’s and they’re the best I’ve seen.

The company are paying between £50 and £250 to both referrers, and referee’s depending on the amount invested. What that means is that if you decided to invest following my introduction, we would each receive an identical bonus between £50 and £250. You would be then eligible to introduce your friends and contacts and share the same bonus opportunity with them.

Now look, I don’t think you should base your investment decisions on who’s paying the biggest introductory bonus’s and that’s why I’ve barely talked about that aspect of Kuflink up to this point. But for me, this is just the icing on the cake. I’d be telling you about Kuflink without the referral bonus opportunity.  These bonus’s weren’t available when I found the company and I simply invested because of what was, and still is, on offer.

If you’ve got anything from a few hundred pounds upwards languishing in bank accounts paying pathetic interest rates, I’d urge you to take a look at this now, and if you need any further information, just drop me an email.

To sign up for an account (you can invest money into it later) go to –

https://invest.kuflink.co.uk/invite/JH-13BF

The Great Beach Test

How will you react to The Great Beach Test?

The answer will have a huge impact on how successful you’re likely to be in turning your business, venture or idea into serious cash.

I’ve recorded a short video, explaining what it’s all about – and what you can do to instantly turn things around if you fail the test – which you can view below.

Take a look now, by Clicking Here.

November 2018 Update – Get Into The Movies

Soul Reaper was featured in our Streetwise Bulletin back in August. I’ve recorded a short video here and there’s a further update at the end of the piece.

https://www.youtube.com/watch?v=HAgaBbG-BIY&t=1

This week I’m telling you about some of the things I invest in personally, and how you can get involved.

Regular readers will know that I invest regularly in films. I’ve just been watching Fistful Of Lead, created for us by Director Marc Price and Producer Michelle Parkyn. What they’ve come up with on a shoestring budget of only £40,000 is amazing. It’s got ‘cult classic’ written all over it; one that could really fly.

Although it’s a Western movie made in the UK, no-one from Alabama to Wyoming will assume it wasn’t all filmed in the Wild West (as opposed to Shropshire, Wales and Kent). The movie will be on shelves in stores throughout the UK, the US and the world by Christmas.

Marc & Michelle have achieved such wonders, and we’re really pleased  they’ve come on board with our next low-budget proposition, which is pre-commissioned by Sony. It’s called Soul Reaper.  I read the script a couple of days ago and it’s superb. We think it will  do even better with this one than with A Fistful Of Lead.

Soul Reaper – Now Open For Investment
(but it won’t last long)

As you may know, we’re funding a rolling series of four  low-budget movies a year for Sony Entertainment, which are pre-guaranteed global distribution.  We then produced the stand-alone A Fistful Of Lead, also for Sony, and at their request, which was quickly financed by a group of canny investors.

Soul Reaper, is next in line, and I’m tempted to fully-fund that one as well. But before I do, I want to give our customers the chance to benefit. In any event, I’ll be taking some stake, so you’ll be investing along with me.

These IMP’s do very well – up to 1,000% tax-free profits. The budgets are very low (a whole full-length feature film for between £35k-£50k), the tax breaks mitigate the risk to near zero and the pre-guaranteed Sony distribution generates healthy profits. The most recent product in the four-per-year series, Jurassic Predator, reached No 1 in the UK DTV charts and No 22 in the UK DVD charts, only four places below the $120m block buster Jurassic World. And it sold 10,000 copies in the US straight out-of-the-box.

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Soul Reaper will go into production from next week. It will be the usual quick turnaround and be finished by year’s end, or thereabouts. As mentioned, it is being directed and produced by the same accomplished writer/director/producer team as crafted A Fistful Of Lead, Marc Price and Michelle Parkyn, and here’s a taster as of what it’s all about:

When Charlie invites nine of his friends to join him for a weekend of fun to celebrate his birthday, none of them are prepared for what awaits. As they arrive at a creepycabin in the woods, it isn’t long before strange and horrific events start occurring – events that open dark and demonic worlds that should never be unleashed.

Investment highlights include:

  • EIS benefits (30% cashback from HMRC, 0% CGT on profits)
  • The UK Creative Industries Tax Credit (20% of budget, straight back from HMRC) ring-fenced for shareholders
  • Administered by award-winning accountants, Graham & Associates (70x movies and counting
  • Pre-Guaranteed global distribution
  • Tried and tested production team, who deliver precisely on budget and on time
  • Quick delivery (will be finished by Christmas)
  • Fringe Benefits (being an Extra, exclusive screenings)

All those who missed out on the previous IMP’s (which remain fully-funded) can take a stake in this project.

It’s very simple to become involved: just send me an email at john@streetwisepublications.co.uk to request an application form.

There are several reasons why most films don’t make money:

1. The budget is too high.

2. The subject matter isn’t right.

3. The script is poor.

4. The film doesn’t get the required distribution and exposure.

We think we’ve got all that covered with Soul Reaper. The budget is right, the genre is a proven seller and the writer, director and producer have proved that they can deliver the goods. The icing on the cake is that Sony have actually asked for this and we have guaranteed distribution through every Walmart in America and UK outlets such as HMV, Morrisons, Asda and Tesco.

This is as close to a sure fire thing as you’ll find in the movie business and you can invest as little as £500. We have to operate on a first come first served basis, so please don’t delay if you want to get in on this.

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It’s very simple to become involved: just send me an email at john@streetwisepublications.co.uk to request an application form.

Update – November 2018

Following the piece back in August, the investment opportunity was snapped up very quickly. However, one of our investors has suffered a mild setback (from which we wish him a speedy recovery) and as a result, an opportunity to invest £3,000 has unexpectedly become available.

The film has now been shot and is in post-production with a view to being completed by year end. If you’re interested in picking up some or all of this last piece of investment, drop me an email –

John@streetwisepublications.co.uk

Don’t delay if you’re interested. It’s very much first come first served on this one.