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Month: March 2019

Five Ways to Make Money in a Property Crash

Let’s face facts, we are still at the start of a property crash, and if the 1989-1994 experience is anything to go by, then we could have another 4 years to go before things bottom out [that was not a prediction, by the way, this one could be shorter or longer.

The crash is being cursed by some, particularly those who paid too much for their properties in the final months (or years) of the last boom, but greeted with relief by others – not only first time buyers who want to get their feet on the ladder – but by savvy investors who are starting to buy again.

So, what are some possibilities for those hoping to make money over the next few years? The following, of course, hinge on the market going down further – If you believe that, then consider them – If you think the market’s going to bottom out quickly, then some will NOT be appropriate.

1: Consider selling some of your portfolio. If you bought a while ago, and have decent equity (ie – unless you remortgaged to stupid levels), then it may be worth taking advantage of the much lower rates of Capital Gains Tax that we in the UK now pay on property. Until April, we used to pay between 24-40 per cent depending on how long we had held – now we just pay 18 per cent.

Of course, you will not get what you would have done 6 months ago, but in many parts of the country, property are still moving fast if priced about 10 per cent below the competition. Clearly, it is worth having some conversations with your local estate agents, because in some areas, I am getting reports that sales have to all practical purposes, stopped completely (one agent reported zero sales in the last three months.)

The question is, as ever, what you would get if you sold, vs. what you would get if you held. If you have a £50-100k in equity in a property, and marginal cashflow, then it is possible that you could use that equity far more effectively by selling, paying the CGT (or, rather, putting the CGT you would owe into an interest-bearing account until January 2010 when it becomes payable), and using the equity to either buy now (see tips 3-4) or just wait!

2: Consider Sell-To-Rent (STR).

This is a more dramatic version of selling some of your portfolio – it is when you sell the house you live in, and move into a rental place, in the hope that you can buy back something similar later in the market cycle. Obviously, not suitable for those who want to guarantee they can buy back the same house.

Personally, while I have sold some properties this year, I would not consider selling my PPR. The reasons are not economic in my case – I am choosing to value continuity of schooling for my children (we live 2 minutes walk away …

Profitable Growth Is Everyone’s Business – A Book Summary

The days of ruthless downsizing and drastic cost cutting are long gone. Nowadays, companies have realized that the best way to earn profit is only through growth – profitable growth. In this book, author Ram Charan provides 10 tools anyone can use to hurdle obstacles and achieve profitable growth.

These tools are:

1. Revenue growth is everyone’s business, so make it part of everyone’s daily work routine.

2. Hit many singles and doubles, not just home runs.

3. Seek good growth and avoid bad growth.

4. Dispel the myths that inhibit both people and

organizations from growing.

5. Turn the idea of productivity on its head by increasing

revenue productivity.

6. Develop and implement a growth budget.

7. Beef up upstream marketing.

8. Understand how to do effective cross-selling (or value/solutions selling).

9. Create a social engine to accelerate revenue growth.

10. Operationalize innovation by converting ideas into

revenue growth. One of the most critical points discussed

is the need for re-orientation of thinking. Most

businessmen and executives think about growth as

“home-runs” and more often than not disregard the “singles

and doubles”. Managers often look forward to the big

breakthrough or the grand new product without realizing

that home runs don’t happen everywhere – sometimes, they

don’t even happen in a decade.

Instead of aiming for that one grand home run, aim for singles and doubles. This is a surer and more consistent path. Of course, it is important to note that while aiming for singles and doubles, one should not exclude home runs. These singles and doubles come from an in-depth analysis of ALL the fundamentals of a business.

Another factor to be considered is the difference between

good growth and bad growth. Managers should dispel the myth that growth in whatever form is a victory. Although growth (both good and bad) builds revenue, only good growth increases not only revenues but also improves profits and is sustainable over time.

Bad growth, on the other hand, lowers shareholder value.

Unwise mergers and acquisitions are examples of bad growth. Price cutting to gain market share without cutting costs can also be detrimental to your company’s health.

Here are some questions that can help you diagnose whether or not you are part of a growth business:

1. What percentage of time and emotional energy does the

management team routinely devote to revenue growth?

2. Are there just exhortations and talk about growth or is

there actually follow through?

3. Do managers talk about growth only in terms of home runs? Do they understand the importance of singles and doubles for long-term, sustained organic growth?

4. How much of each management team member’s time is devoted to making effective visits with customers? Do they do more than listen and probe for information and then try to “connect the dots”?

5. Does the management team come into contact with the final user of your product?

6. Are people in the business clear about what the specific

future sources of revenue growth will …

Attract Money With Rune FA and Mental Radionics "I AM" Statements

Money is magnetic energy.

You are a magnet attracting to you all things, via the signal you are emitting through your thoughts and feelings and the Runic energies you start into motion.

Runes are Universal Creative Energies

The New Laws of Quantum Physics tell us that everything exists in an infinite ocean of energy called the Quantum Ocean (Mind of God).

Therefore, when you meditate, look at, do a runic yoga exercise or a runic circle or a runic healing you are touching the Runic Energy Field inside the Quantum Ocean (Mind of God).

One of the most powerful Laws of the Universe is The Law of Attraction.

This tells you that whatever you think about or place your attention on will eventually be attracted to you.

When you do Rune Work you attract the Runic Energies to you out of the Quantum Ocean (Mind of God).

In our case we want to attract the energies of Rune FA Money out of the Quantum Ocean and into our auras.

When these Rune FA Money Energies come to you they will come in waves. These will be waves of possibilities and opportunities.


The Rune FA MONEY waves will enter your aura.

The Rune FA MONEY MAGIC SECRET is this: If you have thought forms in your own mind of what you are going to do with this money, the Runic Money Energy will fill these thought forms and make their manifestations quicker and surer.

Don’t just think of money, dollar bills falling out of the heavens. Think of the final purpose you will be using this money for.

The Law of Attraction tells you that whatever you think or say in the “I AM…” form will be attracted to you.

Whenever you say “I AM THIS OR THAT…” or think the same way … you will attract that into your life. The “I AM” statement attracts the energies out of the Quantum Ocean (Mind of God) and into your aura.

Therefore using the Rune FA and the Laws of Quantum Physics, the Laws of Attraction, and the “I AM” statements listed below you will ATTRACT MONEY INTO YOUR LIFE.



Repeat them as often as possible during your day. Write them down and repeatedly look at them. Keep the money vibration going.

Secret #1

MONEY is a magnetic energy and “I AM an attraction for this energy.”

Secret #2

“I AM a money magnet attracting to me all the things I want via the signals I am sending out through my thoughts, feelings and RUNES.”

Secret #3

“I AM clear about the amount of MONEY I want to receive. I state it and I Intend it”

Example: “I INTEND to have $5000 cash by March 1st.”

Secret #4

“I AM in love with MONEY.”

Secret #5

“I AM now visualizing and imagining myself spending all the MONEY I want as …

Small Business Marketing Tips – Marking the Most of Trade Shows Part 1

In a series of 2 articles we will give you tips on how to maximize your small business at trade shows, conferences and exhibitions. This article will focus on when to use this marketing tactic, the main benefits of exhibiting your product or service and areas you should consider before you spend money and time participating.

There may be many reasons why you have considered exhibiting at shows, such as when you want to demonstrate a new product or service, communicate changes to your business or your products or services and when the trade show relates specifically to your industry and therefore you basically have a captive audience. Whatever the reasons, you need to estimate the cost in both time and money and determine what sales you will need to cover those costs.

Choosing the Right Trade Show
Trade publications, trade associations, your local council or the Chamber of Commerce should be able to provide you with a list of industry trade shows planned for the year. Choose the trade shows that are key to your industry and will attract your target market. It is also a good idea to ask your most valuable customers which trade shows they like to attend to determine where your target market will be.

If you planning to exhibit next year and before you commit any money, visit the trade shows this year to determine:

  • Which booth (s) stand out? Why?
  • Which booth (s) is drawing the most consumer attention? Why?
  • Where is the greatest traffic flow at the trade show?
  • What are your competitors' stands like? What do you think they are doing well and not so well? If your competitor knows you, get a friend to visit your competitors stands to gather information

Ring the trade show organizer and ask for details about the trade show including the costs associated with being involved eg. cost of booths, cost of sponsorship etc and attendance rates for previous shows. It is also well worth asking how they are going to promote the trade show and if it is a business trade show or conference, the organizer should be able to give you a list of businesses that have attended the trade show / conference in the past and who are expected to attend. Ask if you can use the registration list of delegates to conduct a mail out prior to the show to let the delegates know your business will be attending and where they can find you.

Choosing the Right Booth
Once you have decided on the show, you will need to decide on where you want to be located and what size booth you want to pay for. The larger the booth, the greater the cost although the larger booths are generally located where the highest traffic flow is ie near the entrance.

Ask the organizing committee to send you a map of the exhibition hall and where each booth is located. If you can not afford a large booth you may …

Making Easy Money With ClickBank

There is nothing cooler than logging onto one of my favorite affiliate websites to find out that I just made another sale. Not only did I make that sale, but I did not even do any work to make that sale! Now, that if you are trying to find out ways to make money while you are asleep, then ClickBank is one of the premier affiliate websites to belong to.

ClickBank is one of the largest websites that sells informational products. All products are things such as memberships to websites, e-books, downloadable audios and videos, etc. Every product listed is digital, meaning that you will not be able to purchase a tangible product from them. With informational products being one of the hottest selling products on the internet today, ClickBank opens up a wide-range of money making possibilities for the hungry affiliates out there looking to promote their products.

Do you own a website or a blog tailored to a specific niche that receives decent traffic? If so, search ClickBank for products that fall into your specific niche and promote them on your website or blog. This is one of the easiest ways to earn affiliate income. You simply search for related products, grab your links, place them on your site and that's it! If your sites visitors are loyal, there is a good chance they may peek at these products you are offering. It will take some work and some trial and error in placing these links and promoting them, but overall, it's a simple way to earn big bucks.

If you have any experience with AdWords and know some basic html, you can build a pick a particular product you would like to try to promote and build a simple landing page for it. Then, research hundreds of keywords related to that product and create text ads with AdWords. When people click on your ad, they will be directed to your landing page, which hopefully will be able to lead them to eventually purchasing the product your promoting. This method is tougher, but the rewards are much greater if you are able to tweak your marketing.

These are just a couple of ideas that you can use to promote products from ClickBank. Be creative. Promote products that you only have interest in or that you would buy yourself. The more you know about the product, the easier it will be to sell! …

Solar Roof Shingles – Save Money

Solar roof shingles are a great new way to harness to energy of the sun to generate electricity that can power your home. Almost everyone lives in a house where the rooftop shingles just sit there. That was fine for the past, but the future is now. It's time to put those shingles to work generating renewable energy for your household.

There is a new technology available, where thin photovoltaic cells are being used as roof shingles. This is a new building material that shows a lot of promise. Solar panels on a rooftop are bulky, and can be damaged in a storm. With solar roof shingles, you avoid these problems, but still get all the benefits of solar power in your home.

If you did not already know, photovoltaics are extremely clean and do not pollute the environment at all. They do not require any fuel, and they run quietly. All you need is sunshine to run these power generators. As long as you've got sunlight, this technology will keep generating renewable energy.

Believe it or not, solar roof shingles can save you nearly sixty percent on your home energy costs each month. If you've got a small business, this technology can work in this context as well. It will work wherever you've got a roof to install on.

There are a lot of advantages to using solar roof shingles. Of course, you get the same protection and durability as you would be standard asphalt shingles. Aside from this, they are aesthetically appealing. You can design your product to go with your roof and the rest of your house.

It's possible to completely replace the old roofing material on your home, and install photovoltaic cells that will start generating natural energy from solar power. If you are hesitant to consider doing this, do not worry. The costs to install such a system are surprisingly low, and the material is lightweight so there's no possibility of damage to your roof or the rest of your home.

If you have a roof that receives a decent amount of sunlight each day, then your property is ideal for solar roof shingles. Best of all, there are a bunch of options for financing such a project. The Department of Energy is willing to participate in offsetting the costs of solar power for homes in America.

There may be various incentives available to you if you decide to install solar shingle. Do more research online for further information or visit our website to learn more. …

How To Establish Your Very First Business?

Before starting a business afresh, you have to conduct an extensive study of all the fundamental aspects. A successful business depends upon the well set pillows and if those bills are feeble, the business suddenly falls seess to crumble. In the beginning, there is also some risk involved as a fresh entrepreneur, you are new in the market and you have to understand the behavior of the business surrounding, the market trends and the ups and downs in the business tradition. You can hire an SEO who can take care of all the keyword ranking and search engine ranking of your website, as this is important for the progress of your business web page.

Let us look into the insights of starting a business; this will help you understand the basics of establishing a business.

For starting any business, the first thing is to understand the market curve or the philosophy of the business setters. Once you have understood your competitor's role, you can easily place off the roots of your business. Make sure what type of business you are setting. Depending on your business, you will face three different stages including Initial stage, analytical stage and mature stage. Once you are expert in building up the stages, none of the competitors will dare to meet you on the business road. So here are some tips which will help you construct your three business stairs:

Initial Stage:

Planning is the key to give route to your business. A well set business plan can give an organization a strong execution. It gives the framework to establish your business with initial meager resources. So in the initial phase, your first target should be to construct a wide range business plan. Here are some questions which you should ask. What is our product? When are we going to launch it? What marketing strategy should we expect? What is the target market of our product? Once you and your team have answered these questions, the next thing is to shape the model plan into real executive form.

Develop your framework according to your constructed plan. Develop aims and objectives and division them according to each department. The objective of your business should float in all the multiple directions of your business hierarchy. By this everyone would be cleared with his or her responsibilities and activities to perform.

Analytical Stage:

This is the phase when your organization will go side by side with your opponents. You have covered one step of your business stairs. In this stage, all you have to do is to analyze the competitors and amend the planning structure if there is any adjustment required.

Mature Stage:

This is the stage when you have succeeded in bringing your business to the top. It is a very critical time because now your responsibility has increased manifolds. Many businesses collapse only as they start compromising their working standards when they hit the maternity stair. Try not to compromise your working standards as this is …

Money Management

Managing your Money

Is saving a dollar here and there really worth it? Does it significantly add up to anything worth while? Well that depends on who you are talking to. Saving $ 25 on any given occasion may not sound like that much but you do that over a year and you have yourself $ 300. Then take that $ 300 and invest it, and add the $ 25 each month and for arguments sake say you get 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} interest over 20 years and you have yourself over $ 9000. OK we all know how a compound calculator works, but seriously, money saved is money earned.

There are several ways to save, such as turning your thermostat a few degrees cooler, packing the odd lunch if your used to buying one each day. It is not hard to brainstorm ideas, but the main concept is to always be considering a way to save a few dollars when you are trying to fight the debt monster. Make money management a way of life and reap the benefits of a lessened debt load. Remember when your mom or dad would say to turn the lights out when you leave a room, simple actions like this all help.

There are endless resources to help you. One can check out several websites on how to save / budget etc. There are free computer programs that help you balance your check book, saving money on taxes, methods of smart investing and the list goes on. We also have several tips on this on our website. By taking simple steps each day to smarter money management, you will put yourself in a much more stress less situation when the bills come in each month.

If you are having a hard time with multiple bills and would find it helpful to have one bill per month, check out some of the valuable consolidation loan information we have to offer as well as Debt Consolidation and visit our Debt Calculator . …

In Sales, the Link is the Thing!

How has the Internet affected the global economy? Jeff Jarvis, author of "What Would Google Do" shares how a simple hyper link on a website has changed business forever.

A link now can connect you with an abundance of information via the Internet. With a simple link, you can connect with new people, groups, places, reports, videos, audios, pictures etc. Anything and everything that your heart desires, you can find it on the Internet. All within a few key strokes.

In the past, you relied on companies and sales people to share information about their product or service. Not any more. What was once a world based on scarcity, now offers an abundance of choices. Companies operating on the old media model created content and protected it. Moreover, they restricted access to it. They even demand that you paid for it. No more. People have greater access and more ways to find information that they seek. They have more choices then ever before.

Google has disrupted the "old school" model and expanded new possibilities. For companies that embrace the Internet, their are new opportunities. Unfortunately, for traditional companies who continue to cling to the status quo, the results will mean reduced sales, profitability and certain extinction. Companies that share their information freely, will realize very exposure and the possibility of generating more revenue and sales and profits.

What does it mean for sales? It means that a simple website will not provide you with the exposure that you need. Just because you build it does not mean that people will come to visit and buy from you. You must create content that will make people stop and pay attention and want to comment on and share with their friends and associates. Your content must be unique, different and memorable. It must be easy to share via the Internet.

Everything on the Internet has a link. Your company website has a link. Every web page has a link. Your podcast page has a link. Your published articles and comments have a link. Your press releases have a link. Your videos have a link. Social network have a link. Your business profile on your network has a link. Perhaps, you are getting the hint. With a link, you can attract new prospects and business. That is why a link is so important. The link connects your content to other people that are interested in the subject matter. The link offers you the opportunity for the world to discover you and your company. What would happen if 10,000, 100,000, or one million people visited one of your website pages. How would that affect your company? What would happen if you closed the sale on just one percent of those visitors? How many sales would you produce?

Are you creating good content or any content at all? If you are not producing content, if you are not searchable, then your prospects will never find you. If you can not be found, do not expect …

Ask and You Will Attract Money

When you have money in your life, you tend to have more freedom to do things. You can go on trips, you can purchase the wants, and the best part is you can share it with others around you. These are the people who attract money. The decisions they make and the things they do bring them more money. However, at the same time, many of these people are also filled with joy and are very grateful for the abundant prosperity.

You may wonder how you can achieve the same status and attract money in a similar fashion. If you desire the manifestation of money in life, you need to believe it is going to happen. You have to really imagine it in your bank account. Do you know what you will use it for? You should write down each of these things you would get. Then you need to make sure to work hard for it to happen, whenever it is looking for another job or trying another degree.

When you are filled with abundance, you also tend to have a better outlook on life. This in itself is attractive to others around you, which could be another way money is associated to you. When you are constantly negative, there is a good chance money and abundance that will be repelled by these thoughts and will stay way. This means you need to have a positive outlook on life. You want to invite money in, whether or not it looks possible.

If you want to attract money, you need to ask, receive, and allow it to happen. It does not matter how much you ask for, as it can seem like a ridiculous amount to others. You then want to use these same steps with whatever else you desire in life. …