Tag Archives: Business Tips

Money Statistics

41 – The percentage of people in England aged between 25 and 34 who own their own home, up from the 36% recorded in 2015. However, that figure is still below the 59% which seen in 2004.

315 – The number of new pubs and bars that opened in the UK in 2019, taking the total number to 39,130. It was the first year since the financial crisis that more pubs opened than closed.

$9m – How much Japanese billionaire Yusaku Maezawa has promised his 6.8 million Twitter followers in the spirit of a Japanese New Year’s tradition. The one million yen prizes, which have been split into 12 monthly instalments, will also form the basis of an experiment into happiness. The winners will be chosen, at random, in a draw.

£1.5bn – How much Disney’s British-based subsidiaries have spent over the last six years on making the past five Star Wars films. Much of the filming, including that of 2019’s The Rise of Skywalker, starring British actress Daisy Ridley as Rey, has taken place at Pinewood Studios in Buckinghamshire.

Motivational Quote Of The Day

“What’s meant to be will
     always find a way.”     

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Trisha Yearwood

Alternative Quote Of The Day

“Me and my wife haven’t got any savings. Well, we do, but they’re all tied up in Boots points.”

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Gareth Richards 

Virtual Bridge

People are spending an increasing amount of their time online at sites like Facebook and twitter. Much of their social life now takes place in the virtual world, but that doesn’t mean that they’ve dispensed with the physical world (and physical products altogether). In fact there’s a growing market for products and services which form a link between the on and off line worlds.

Facebook users can already use their online content to make tangible products like mugs, photo albums and notebooks. A recent addition to what’s possible is Social book, which is a hardcopy 8.5”x 11.5” book cataloguing the buyers Facebook history and content.

The need and desire to convert online content into a tangible real-world product is a trend that is likely to grow. So how might you help people to bridge the gap between the real and virtual worlds?

Today’s National Day 

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NATIONAL AWKWARD MOMENT  DAY!

PUBLISHERS NOTICE 

“HE JUST WON £1,460 IN
TWO DAYS!” 

  Dear Streetwise Customer, 

 “OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!! Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.”

G.B – 6th February 2020

    “Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500. “

G B – 7th February 2020  

 A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse racing created by Bill Burrows. I’ve reproduced word for word, two emails I received this week from
one of our customers who tried the strategy for the first time just a few days ago. 

He just won £1,460 in two days! 

Needless to say, he’s pleased!  

 Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work

For full details, take a look HERE 

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.         

Best Wishes  

john sig.png

John Harrison 

www.streetwisenews.com/hermes

  

AVOIDING INHERITANCE TAX

Will the new Conservative government’s first Budget on 11 March abolish inheritance tax (IHT)? The Chancellor said in September that he was mulling significant reforms, but there were no firm proposals in the Conservatives’ election manifesto and he has gone quiet on the matter. The good news, however, is that the pension system now offers a golden opportunity to cut, or even wipe out, a potential liability. Since the pension freedom reforms of 2015, pensions have become a key inheritance-tax planning tool. 

This is primarily because, while pension assets bequeathed to your heirs have always been exempt from IHT in most circumstances, the reforms make it much easier to pass on such assets. You’re now entitled to pass on any unspent money in your pension fund – that is any cash you’ve not spent on an annuity or drawn down as income – to the beneficiaries of your choice. If you die before your 75th birthday, your beneficiaries will receive your pension fund with no tax implications at all.

There’s no IHT due and they can withdraw the money in one go or as regular income, with no income tax or capital-gains tax to pay. If you die after age 75, the rules are slightly different. Your beneficiaries will pay income tax at their marginal rate on money they take out of the fund, but there will still be no IHT to pay. 

The reforms make pensions really useful for families’ financial planning. You can pass pensions wealth down to your children, and they can pass it on to their own children if they choose not to use it. For these reasons, it makes sense for anyone worried about inheritance tax to consider making full use of pension saving. The more you shift into a pension plan – subject to rules on annual contributions and lifetime savings – the more you’ll be able to pass on with no inheritance-tax consequences. 

Do, however, check the terms of your pension. Some older plans include clauses requiring savers to buy an annuity or come with other conditions that reduce their effectiveness from an IHT perspective. Final-salary pension schemes also have less freedom in this regard.

Finally, it could be worth exploiting pensions to work around IHT in another way. You are entitled to set up pension plans for your children, paying in up to £3,600 of contributions a year including tax relief even for non-taxpayers. This can be a useful way to provide them with money and reduce the size of your estate for IHT purposes. 

Motivational Quote Of The Day

“Life isn’t about finding yourself. Life is about creating yourself.”

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George Bernard Shaw

Alternative Quote Of The Day

sexuality immediately doubles your chances for a date on Saturday night.” 

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Woody Allen 

Today’s National Day   

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NATIONAL GET OVER IT DAY!

PUBLISHERS NOTICE 

“HE JUST WON £1,460 IN
TWO DAYS!” 

  Dear Streetwise Customer, 

 “OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!! Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.”

G.B – 6th February 2020

    “Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500. “

G B – 7th February 2020  

A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse racing created by Bill Burrows. I’ve reproduced word for word, two emails I received this week from
one of our customers who tried the strategy for the first time just a few days ago. 

He just won £1,460 in two days! 

Needless to say, he’s pleased!  

 Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work

For full details, take a look HERE 

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.         

Best Wishes  

john sig.png

John Harrison 

www.streetwisenews.com/hermes

Reasons For Us To Be Cheerful In 2020 And Beyond

The mainstream sentiment is that we are heading for disaster. Pundits clamour about the decline of democracy, climate catastrophe and failing capitalism. Yet the data tells a quite different story – one of human flourishing and progress.

Extreme poverty rates, for example, are falling and continue to fall. From 1990 to 2015, the global extreme poverty rate fell from 36% to 10%. In 2018, it fell to 8.6%. More than 137,000 people escape extreme poverty every single day.

At the same time, the ranks of the global middle class have expanded. September 2018 marked the first time in human history when more than 50% of the global population was considered middle class. Its numbers grew a huge 92% from 2009 to 2018. 

Global life expectancy is also on the rise, increasing by more than three years in the past ten years. Hasn’t that come at a cost to the environment?

No. At a certain point in their development, poor countries start polluting less. Death rates from air pollution fell by almost a fifth worldwide and by a quarter in China between 2007 and 2017.

Annual deaths from climate-related disasters fell by a third between 2000 and 2009 and 2010-2015, a 95% reduction since the 1960s. In many ways, the world is getting better every day. There are many good reasons to be optimistic heading into 2020 

Motivational Quote Of The Day

“Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, “What’s in it for me?”          

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Brian Tracy

Alternative Quote Of The Day

“Age is strictly a case of mind over matter. If you don’t mind, it doesn’t
          matter.”     

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Jack Benny 

Party Equipment Rental 

I really like rental businesses. You get to make money from what you own – and keep it! But what can you base a rental business on? There are many possibilities, but the key criteria is usually something which people need and use rarely. Party equipment falls into that category. 

Things like canopies, tables, chairs, and large quantities of crockery and cutlery can be expensive to buy and troublesome to store when you’re only going to use them for special occasions. Renting makes a great deal of sense for the customer. From the business side it makes sense too. These things needn’t cost a fortune if you buy carefully and in bulk, and can often be rented out for a sizable percentage of the cost – again and again. 

So what will you need to start a party equipment rental business? Just two things really – somewhere to store your stock and a means to deliver and pick up from your customers. If you have those two things – and a little capital to get started – you can be up and running very quickly. 

Today’s National Day   

everything you think is
wrong.jpg

NATIONAL EVERYTHING YOU THINK IS WRONG DAY!

PUBLISHERS NOTICE 

“HE JUST WON £1,460 IN
TWO DAYS!” 

  Dear Streetwise Customer, 

 “OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!! Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.”

G.B – 6th February 2020

    “Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500. “

G B – 7th February 2020  

A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse racing created by Bill Burrows. I’ve reproduced word for word, two emails I received this week from one of our customers who tried the strategy for the first time just a few days ago.

He just won £1,460 in two days! 

Needless to say, he’s pleased!  

Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work

For full details, take a look HERE 

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.         

Best Wishes  

john sig.png

John Harrison 

www.streetwisenews.com/hermes

Your Hidden Skills

I told you in an earlier bulletin that I’d started ice-skating again after a gap of over 30 years. I also told you that I managed to get back to my previous (very low) standard remarkably quickly. Well I’m delighted to tell you that I’ve actually improved.

When I skated as a kid, I never got beyond going forwards, but when I started again, I decided I wanted to learn to go backwards. I thought it looked really impressive, and so resolved to learn how to do it. 

I got nowhere at first, but then – a couple of weeks ago – it suddenly clicked and I could do it. It’s a great feeling to learn something new, but here’s the interesting thing… 

As soon as I could do it, it wasn’t impressive any more! 

I remember exactly the same feeling when I learned to juggle, to ski, to memorise a pack of playing cards and loads of other stuff. They all seemed impossibly impressive skills when I couldn’t do them, but pretty mundane once I could.

I find this holds true with most things in life, and I suspect it’s the same for you.

Now of course I’m talking about ‘fun’ activities here, but this has wider implications because it lures us in to undervaluing all the skills we have ~ to regard them as something anyone can do. And the longer we’ve had those skills, the more likely we are to undervalue them – the more likely we are to feel that they’re commonplace and worthless.

Indeed we might have even stopped
recognising them as skills at all. 

I spend quite a bit of time writing stuff ~ books, newsletters, sales letters, advertisements etc ~ but rarely do I regard it as a skill. I just think it’s something that anyone can do ~ like talking.

Of course, when I think about it – or sometimes when I see someone else trying to do the same thing – I realise that it’s not as easy as I think, that there is a skill to it.

I’d wager it’s the same for you. There are things you do very well, but undervalue because you simply don’t think of it as a rare skill. As a result, you charge too little for it, or don’t do enough of it. You see, to maximise your productivity and income, you need to be capitalising on your rarest and most valuable skills. That’s where your greatest commercial value lies.

So here’s my suggestion for you. Make a dispassionate and objective list of your skills, and analyse whether you’re exploiting them to the full.

I wouldn’t be surprised if you quickly find a hidden gem waiting to be mined, cut and polished.

jhsig
bw.png

 John Harrison

PUBLISHERS NOTICE 

“HE JUST WON £1,460 IN
TWO DAYS!” 

Dear Streetwise Customer,

 “OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!! Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.”

G.B – 6th February 2020

    “Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500. “

G B – 7th February 2020

A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse
racing created by Bill Burrows. I’ve reproduced word for word, two emails I received this week from
one of our customers who tried the strategy for the first time just a few days ago.

He just won £1,460 in two days!

Needless to say, he’s pleased! 

Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work.

For full details, take a look HERE

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.       

Best Wishes  

john sig.png

John Harrison

 www.streetwisenews.com/hermes

Saving On Tax Through Pensions

Families thinking about how to save and invest most efficiently during 2020 shouldn’t overlook pensions for children. Many people don’t realise that in addition to their own pension contribution allowances they can put money into someone else’s savings.

And even if the recipient is a non-taxpayer, as most children are, they’re still entitled to tax relief on the contribution. Investing £3,600 a year, the maximum allowed, on behalf of a child will cost you only £2,880. The provider you choose then claims an additional £720 from the taxman to top up your contribution.

Setting up a pension for your children might seem odd, not least because there’s a good chance you won’t be around to see them cash it in. But HM Revenue & Customs said last year that 60,000 families have opened pension plans for kids. The key argument in favour of such arrangements is the power of compound investment returns over the long term. If you pay the maximum into your child’s pension each year until they turn 18 and the plan achieves a return of 5% a year, they’ll have a pension fund worth £1m by the time they reach age 64.

The downside to pensions is that they’re inflexible. Under current rules, you can’t cash in a pension until the age of 55 and this limit is due to increase over time as the state retirement age creeps up. So all the savings you’re putting by won’t be available to help children with financial priorities early in their adult lives: the cost of further education, buying a first house or starting a family, say. Nevertheless, those priorities are exactly why many people don’t get round to starting a pension plan until later in life.

Even among occupational pension schemes, opt-out rates are much higher among younger people. And since pension saving works best the earlier you start, taking this worry off your children’s hands could prove very useful indeed. One caveat is that future governments could change the rules so that pension saving becomes less tax-efficient. It’s now also much easier to pass on pension savings to your heirs.

So one alternative to setting up designated plans for children is to maximise your own contributions in order to increase the chances of there being money left over. If you die before 75, your heirs will usually inherit what is left of your savings free of tax; even after age 75, you can still bequeath pensions cash, though it’s likely that tax charges will be payable.

Hot Bodies

I’ve noticed that after the weekend, our office is always several degrees colder than it is later in the week, even though the heating has been left on. Increased computer activity plays a part, but so does human activity. The staff come into the office, they give off body heat and it warms the building.

Now this is happening everywhere. The amount of heat energy given off by the population must be huge. So is there a way to harness it? It turns out that there is.

Over 200,000 people pass through Stockholm’s Central station each day. Jernhusen, a property company given the job of remodelling the station, have come up with a way of transferring the heat generated by all these people to an office building across the road. The stations ventilation system includes heat exchangers which convert all this heat energy into hot water. It’s reported that the result is a 25% reduction in the buildings energy costs.

Needless to say, green energy is on everyone’s agenda at the moment, and initiatives like this are likely to be on the increase. Perhaps something to invest in, or even participate in for those with the skills and resources.

Today’s National Day   

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NATIONAL GIVING HEARTS DAY!  

PUBLISHERS NOTICE

“HE JUST WON £1,460 IN TWO DAYS! “

Dear Streetwise Customer, 

  “OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!!
Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.”

                                             G.B – 6th February 2020

    Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500.

                                              G B – 7th February 2020  

A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse racing created by Bill Burrows. I’ve reproduced word for word, two emails I received this week from one of our customers who tried the strategy for the first time just a few days ago.

He just won £1,460 in two days!

Needless to say, he’s pleased!

Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work.

For full details, take a look HERE

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.      
         

Best Wishes  

john sig.png

John Harrison 

 www.streetwisenews.com/hermes