Tag Archives: Business Advice

Pets Are A Rather Pricey Proposition These Days

The covid crisis has led to a boom in pet sales, with lockdown prompting many of us to decide that we could do with one to keep us company. Pets4Homes, the free pet classified advertisements site, rehomed 2,000 pets per day during lockdown.

If you got a pet the chances are you paid a lot for it. With demand fast outstripping supply, prices have rocketed, with the average cost of a puppy doubling to £1,400. Cocker spaniels saw the biggest price rise. A puppy would have set you back by an average £2,109 in June, triple the cost 12 months earlier.

The price of cats also shot up by almost a third during lockdown. People were parting with almost £400 on average for a kitten. If you are inclined to get a pet, be careful. In March and April 669 people lost £282,686 to pet cons, according to Action Fraud. Scammers post advertisements online despite not having any animals to sell. They ask for a deposit, then more money for insurance, vaccinations and delivery, but the pet never appears.

Always identify a Kennel Club Assured Breeder, or find a breeder through a personal recommendation. Ensure you see a puppy, even if it’s over a video call, and ask to see vital paperwork, such as a puppy contract. Before you get a pet, consider how much it can cost you over its lifetime. Food, vets’ bills and other costs add up to an average of £4,500 for a small dog, rising to £13,000 for a large breed.

The average cat will cost its owner around £12,000. The next question is pet insurance. It is a booming industry, with 3.6 million policies. “Given the high costs of veterinary care, a growing number of pet owners are… paying a steady monthly premium for peace of mind. Claims have nearly doubled to £815m in the past six years.

The average pet insurance claim is £793. Before you sign up, note that the average premium for a dog over the age of five is £381 a year. If you have a dog that lives for 15 years, it would cost £4,975 to insure it. If you have savings to cover vets’ bills in the early years, then another option is to self-insure. Rather than pay an insurer you put the equivalent premium into a savings account.

Motivational Quote Of The Day

“Find a place inside where there’s joy, and the joy will burn out the pain.”

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Joseph Campbell


Alternative Quote Of The Day

“Weather forecast for tonight; dark.”

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George Carlin

Flush With Success

I was wandering through a shopping centre, when my attention was grabbed by the price tag on a mobile phone. It was over £20,000. I have no idea who pays such a large amount for a soon-to-be-obsolete item (people who haven’t worked very hard for the money, I’d imagine) but it does show there’s a market for an upgraded version of just about anything.

Atlanta Watercloset realised this when they launched their businesses, which aims to provide “exceptionally clean” portable restrooms (toilets) for outdoor events. If you’ve been to such an event, you’ll know that the competition provide the bare basics, but little more.

Atlanta Watercloset offer toilets with fresh water sinks, interior lighting, mirrors, coat hooks, shelves and branded loo roll. The environment around the restrooms can be specially prepared with privacy shields, flowers and pathway lighting. The service is particularly popular at weddings, where nothing can be allowed to spoil the special day.

Whatever the product, some people will always be attracted to an upgrade – a premium offering over and above what’s provided by the standard product. If you find yourself competing fiercely with everyone else in your market, now could be a good time to look at whether there’s a market for an enhanced version of what you do at a premium price.

Today’s National Day

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NATIONAL BEACH DAY !

PUBLISHERS NOTICE

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Dear Streetwise Customer, 

  I hope you’re keeping safe and well.

  This offer is limited, so we are only make it available to our most valued Streetwise customers at the moment.

  Back in the autumn, we alerted a few of our customers to a course, created by a guy making what seemed at the time to be an outrageous prediction.

  He predicted the world would soon be gripped by a unprecedented crisis which would create a huge financial opportunity. Crazy eh?

  Anyway the course revolved around a strategy which would enable anyone to make £2,803 a month to ‘tick over’ in normal times, but would then transform into a massive fortune maker once the implications of the predicted crisis hit.

  Not many people (including me!) believed the prediction, but £2,800 a month is certainly worth having and a number of our customers got on the bandwagon and started doing well with it…and then the crisis came…sooner than anyone thought.

   The big opportunity he planned for is about to hit, and I want as many of our customers as possible to benefit…but there’s a hitch.

   For reasons explained when you take a look at the details here, I can only help NINE people at the moment. But those nine people are going to get something nobody else has been able to get up until today…

     The full programme in one package and at a huge discount!

   For full details take a look here.

www.streetwisenews.com/CFTFC

Very Best Wishes,

john sig.png

John Harrison
Streetwise Publications

P.S. Everything comes fully guaranteed and makes truly fascinating reading.

www.streetwisenews.com/CFTFC

Pandemic Pension Scheme

All is not lost if your employer does go bust. The Pension Protection Fund (PPF), the industry lifeboat scheme, will then step in: it usually protects 100% of pensions already in payment and 90% of the pension entitlement savers have built up so far if they’ve not yet retired. However, if you’ve yet to claim your pension, the PPF does have limits.

For example, someone retiring at 65 would not be able to claim a pension of more than 90% of this year’s cap of £41,461, no matter how much entitlement they’ve built up. If your pension is worth significantly more, you could really lose out. People in this category who are worried about their employer’s solvency therefore need to take independent financial advice on whether to transfer their defined-benefit savings to a defined contribution scheme.

You’ll forfeit the certainty that the former offers, but for those who would be substantially out of pocket in the PPF, this may be a price worth paying. Meanwhile, savers with defined-contribution pension plans have their own problems. The stockmarket declines of recent months – UK shares are down around 16% since the start of the year, while the US is off by 10% will have hit many savers’ funds. Some fixed-income assets, particularly at the less risky end of the spectrum, have been more resilient, but the yields they offer have fallen sharply.

If you have some way to go before retirement, you can afford to take a sanguine view of this volatility, since there is plenty of time for your funds to recover. But it is still worth reviewing your pension investments regularly. Are your plans still on track, are your chosen funds delivering competitive returns and is the way you have allocated your money still appropriate?

Motivational Quote Of The Day

“If you don’t like the road you’re walking on then start paving another one.”

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Dolly Parton


Alternative Quote Of The Day

“When people say “it’s always the last place you look”. Of course it is. Why would you keep looking after you’ve found it?.”

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Billy Connolly

Curiosity Cash

People are naturally curious…nosy is another word…and there’s many a business opportunity that’s been based on this simple fact. The latest thing we’ve seen is an app from Greece called Peekinto.

As the name suggests, Peekinto gives the user the opportunity to get a snapshot of someone else’s life via a 12 second video clip. As a user, you can offer yourself up as a provider of such a clip or request a clip from someone in a particular geographical location.

There are practical applications…perhaps you want to see how long the queue is for a concert or what the traffic is like on the M1…but it’s mainly about curiosity. What is someone else doing? What can they see from where they are?

Is there some way you can tap into people’s desire to have their curiosity satisfied or to pander to their voyeuristic tendencies? If there is, you could have the basis of a fortune-making business.

Today’s National Day

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NATIONAL MOM’S  DAY OFF !

PUBLISHERS NOTICE

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Dear Streetwise Customer, 

  I hope you’re keeping safe and well.

  This offer is limited, so we are only make it available to our most valued Streetwise customers at the moment.

  Back in the autumn, we alerted a few of our customers to a course, created by a guy making what seemed at the time to be an outrageous prediction.

  He predicted the world would soon be gripped by a unprecedented crisis which would create a huge financial opportunity. Crazy eh?

  Anyway the course revolved around a strategy which would enable anyone to make £2,803 a month to ‘tick over’ in normal times, but would then transform into a massive fortune maker once the implications of the predicted crisis hit.

  Not many people (including me!) believed the prediction, but £2,800 a month is certainly worth having and a number of our customers got on the bandwagon and started doing well with it…and then the crisis came…sooner than anyone thought.

   The big opportunity he planned for is about to hit, and I want as many of our customers as possible to benefit…but there’s a hitch.

   For reasons explained when you take a look at the details here, I can only help NINE people at the moment. But those nine people are going to get something nobody else has been able to get up until today…

     The full programme in one package and at a huge discount!

   For full details take a look here.

www.streetwisenews.com/CFTFC

Very Best Wishes,

john sig.png

John Harrison
Streetwise Publications

P.S. Everything comes fully guaranteed and makes truly fascinating reading.

www.streetwisenews.com/CFTFC

The Big Secret Millionaires don’t want You To Know…

There are certain strategies that Millionaire investors use to consistently beat the stock market and forex markets and generate great returns.  

These closely guarded secrets are often very simple to apply, but are rarely shared with others, so make sure you grab your place on this free online investment master class.

“The stock-market and forex secrets revealed on this complimentary training course blew my mind. If you want to become wealthy, or just improve your current financial situation, this webinar is a must” M Rowlands

You’ll learn how one course graduate averaged £500 gain a week using only £2000 and another made £24,000 In 1 week.To get your place:  Click Here.

Motivational Quote Of The Day

“Don’t take yourself too seriously. Know when to laugh at yourself, and find a way to laugh at obstacles that inevitably present themselves.”

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Halle Berry


Alternative Quote Of The Day

“Any girl can be glamorous. All you have to do is stand still and look stupid.”

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Hedy Lamarr

Get ’em To Pay Now!

When they’re thinking what business to start, most people quite rightly consider likely demand but give little thought to something equally important – cash flow.

Many otherwise viable businesses come to grief, not because there’s no demand for what they do, but because they are unable to finance the business to cover the period between incurring costs and receiving revenues. Others fail because they put themselves at the mercy of a small number of big customers who then can’t (or won’t) pay.

Where possible you should try to make your business one in which you receive payment in advance of (or at the same time as) delivering products or services. That way, cash flow problems can never affect your business, and neither can the failure or deceit of a customer. Everything is so much more under your control when you operate in this way

Today’s National Day

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NATIONAL GIRLFRIEND DAY !

PUBLISHERS NOTICE

cft3.png

Dear Streetwise Customer, 

  I hope you’re keeping safe and well.

  This offer is limited, so we are only make it available to our most valued Streetwise customers at the moment.

  Back in the autumn, we alerted a few of our customers to a course, created by a guy making what seemed at the time to be an outrageous prediction.

  He predicted the world would soon be gripped by a unprecedented crisis which would create a huge financial opportunity. Crazy eh?

  Anyway the course revolved around a strategy which would enable anyone to make £2,803 a month to ‘tick over’ in normal times, but would then transform into a massive fortune maker once the implications of the predicted crisis hit.

  Not many people (including me!) believed the prediction, but £2,800 a month is certainly worth having and a number of our customers got on the bandwagon and started doing well with it…and then the crisis came…sooner than anyone thought.

   The big opportunity he planned for is about to hit, and I want as many of our customers as possible to benefit…but there’s a hitch.

   For reasons explained when you take a look at the details here, I can only help NINE people at the moment. But those nine people are going to get something nobody else has been able to get up until today…

     The full programme in one package and at a huge discount!

   For full details take a look here.

www.streetwisenews.com/CFTFC

Very Best Wishes,

john sig.png

John Harrison
Streetwise Publications

P.S. Everything comes fully guaranteed and makes truly fascinating reading.

www.streetwisenews.com/CFTFC

What To Sell On Line

If you’re keen to start an online business, you could do a lot worse than focus on the areas where customers spend the most money online already. The second largest category (after books) is clothing and footwear.

Footwear is particularly interesting.

While Amazon has a firm grasp on the book market, the footwear market is far more fragmented with no company having a dominant market share. It’s a market with dozens of niches and sub-niches, so there are opportunities for anyone with an idea for a unique or innovative product line.

Some niche ideas you might consider include sandals, sports shoes, shoes for a specific activity, slippers, flip flops, slip-on shoes, washable shoes or vintage shoes.

This isn’t the easiest type of business to start, but it’s one with a ready-made, proven market. What’s more, it’s one with huge upside potential. Get it right, and you could very easily find your business in line for takeover by one of the big players keen to get a foothold (no pun intended) in your niche.

Motivational Quote Of The Day

“Great things are done by a series of small things brought together.”

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Vincent Van Gogh 


Alternative Quote Of The Day

“My hamster died today..he fell asleep at the wheel.”  

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Will Ferrell

The Extra Time Entrepreneur 

If you’re looking to supplement your income by running an enterprise run after work, then you’re part of a growing wave. People have always done this of course, but technology has brought it within the grasp of just about everyone now.

Go back a few years, and we lived in a 9-5 world where it was difficult to get everything done ‘out of hours’. The internet and other mobile communications have changed all that and it’s perfectly possible to become an entrepreneur in your spare time.

Whether you’re running a website, selling a service, promoting a product, financial trading or a hundred and one other things – having a job is no excuse for not having a go.

Do you have businesses and ventures up and running and making money in your spare time? If not, why not?

Today’s National Day

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NATIONAL TV DINNER DAY !

PUBLISHERS NOTICE

cft3.png

Dear Streetwise Customer, 

  I hope you’re keeping safe and well.

  This offer is limited, so we are only make it available to our most valued Streetwise customers at the moment.

  Back in the autumn, we alerted a few of our customers to a course, created by a guy making what seemed at the time to be an outrageous prediction.

  He predicted the world would soon be gripped by a unprecedented crisis which would create a huge financial opportunity. Crazy eh?

  Anyway the course revolved around a strategy which would enable anyone to make £2,803 a month to ‘tick over’ in normal times, but would then transform into a massive fortune maker once the implications of the predicted crisis hit.

  Not many people (including me!) believed the prediction, but £2,800 a month is certainly worth having and a number of our customers got on the bandwagon and started doing well with it…and then the crisis came…sooner than anyone thought.

   The big opportunity he planned for is about to hit, and I want as many of our customers as possible to benefit…but there’s a hitch.

   For reasons explained when you take a look at the details here, I can only help NINE people at the moment. But those nine people are going to get something nobody else has been able to get up until today…

     The full programme in one package and at a huge discount!

   For full details take a look here.

www.streetwisenews.com/CFTFC

Very Best Wishes,

john sig.png

John Harrison
Streetwise Publications

P.S. Everything comes fully guaranteed and makes truly fascinating reading.

www.streetwisenews.com/CFTFC

The Reluctant Entrepreneur

The economic downturn seems to have created a whole new category of business person – the reluctant or involuntary entrepreneur. These people are not fired up by a burning desire to go and be their own boss.

No, they have fallen into self-employment as a result of not being able to find work (or enough work) in their usual profession. The number of ‘consultants’, ‘freelancers’ and ‘contractors’ has grown rapidly over the past couple of years.

Are you one of these people? If you are, then I think you need to be mindful of ensuring you have the right attitude to prosper in this new arena. The approach you need to take as an employee, is very different from the one you need to take as an entrepreneur.

So even if you’ve been forced down the entrepreneurial route, resolve to fully embrace the attitude and culture. That means learning everything you can about marketing, running and administering your new enterprise.

There’s a world of difference between being an employee and an entrepreneur, even if you’re doing fundamentally the same job.

Motivational Quote Of The Day

“Nothing is impossible, the word itself says ‘I’m possible’!”

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Audrey Hepburn


Alternative Quote Of The Day

“Why is it that when someone tells you that there are over a billion stars in the universe, you believe them, but if they tell you there is wet paint somewhere, you have to touch it to make sure.”

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Peter Kay

Men In Kilts

It’s not always easy to differentiate your company from the competition – particularly when you’re providing what might be considered a staple service. You may be able to guess how window and exterior building cleaning company, Men in Kilts achieved it. Yes, all their operatives wear kilts!

As I’m sure you can imagine, this creates a lot of attention – and it’s fun – but that would count for very little if the service wasn’t up to scratch. The Canandian based company is going from strength to strength though, with franchise plans already well under way.

Now I’m not suggesting that wearing a kit will transform your business, but I am suggesting that there are any number of innovative ways in which you can differentiate what you offer, from the rest of the market. And these ways may have little or nothing to do with how you deliver your core service or product. A little lateral thinking could pay huge dividends here

Today’s National Day

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NATIONAL EAT OUTSIDE DAY !

PUBLISHERS NOTICE

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Welcome To Your Very Own Money Machine…

For Full Details Click Here

  All the best for now 

  John Goldsmith