Business news and advise

In these days of investing disasters and property declines, little is said of one of the most successful post-war investment areas of all; classic cars.

Perhaps that’s because investing in classic cars isn’t that easy. Yes, they’re a good store of value, but they’re generally illiquid assets and it’s hard to make a real turn on your investment unless you can really identify the next big thing. Quite what that will be is a matter of opinion and this is where your own judgement plays such a big part. But if you look at today’s classics, they tend to be the expensive but trendy cars of yesteryear. But they also tend to be cutting edge in some way.

Here’s a way you can make money on a classic car if you’re prepared to be patient, have a decent storage facility – and you’re prepared to put the work in.

First off, buy the best classic car you can identify. Again, which model you for is a matter of opinion.

Personally, I like a Honda and think some of the 1970s and 1980s models available very cheaply now, like the first of the CRX range, for example, will become the classics of the future.

The reason I like Honda cars in particular is because they’re reliable and they last. So if you have a decent garage and are prepared to look after it – it should last you years.

Now put the car to work! Whatever it takes. Use it for your job and claim the mileage, hire it out, use it for photo shoots or weddings; whatever. Just try and make it pay its way while you have it. Now store it and look after it, but make it useable as well – and you have the perfect three in one investment vehicle that’s also a lot of fun to own.

Whilst on holiday a few years ago, I got talking to someone by the pool, as you do when slightly bored but loving the sunshine.

As we got talking, I asked him what he did for a living. He politely dodged the question and changed the subject to something else entirely.

But after a couple of loosening cold beers in the searing Greek heat, he opened up a little and told me he was a “re-po” (repossession) man acting for an agency on behalf of a number of different finance companies. And all his work was with cars.

Many of the stories he told about defensive owners and their excuses, dodges and ruses were entertaining – whilst some were a little darker, like being attacked by aggressive owners whilst gaining legitimate entry to the vehicles on which the borrowers hadn’t kept up their payments.

None of these stories remain with me though. But the one that does was what he said about Honda UK cars and their owners.

Amazingly, this re-po man of long experience reckoned he’d never, not even once, had to repossess a Honda vehicle of any description.

I asked him why this was. I was secretly delighted as a Honda devotee – but he was at a complete loss to explain this strange phenomenon.

As I thought about this conversation later, I wondered whether Honda owners were different and if so, why?

Now other re-po workers must have had many occasions to repossess Hondas just like any other car, but the statistic this chap was sharing with me was remarkable. The only reason I could come up with, was that Honda UK customers are generally more level-headed people; the kind of people who seek solidity, certainty and quality – and whose heads aren’t turned easily by fads and the like – which could lead them into financial difficulty.

I can’t prove this is true, of course, though I certainly hope it is!

“Living off your capital” may sound like something of a pipe dream to many people, but it may be easier – and closer – than you think.

To simplify things, let’s assume your house is paid for, that you have £200k to invest and that you need £20k a year after tax to live on.

Now that’s a very big assumption, but it may already be in reach if you’re a certain age – or within sighting distance if you aren’t. If it isn’t; make it your long term goal if you desire spare time more than riches.

Unfortunately, in today’s low, low interest environment, achieving a decent steady income from savings or bond yields isn’t easy. Meanwhile, the rental yields on property still make little sense compared to today’s purchase prices – despite the falls in house and commercial property prices we’ve seen, along with the rent rises in some areas.

In short, there’s no easy way to get the 10% after tax income you need. Or is there?

Well maybe. For the recent steep declines in equities following the Euro-zone crisis and the unprecedented downgrading of the USA’s credit rating, has created some amazing yield opportunities from household name UK blue-chips at the time of writing.

At its most extreme, we have the smaller of the de-merged Cable & Wireless companies, namely Cable & Wireless Communications which is forecast to yield an amazing almost 16% in dividends. In other words, the market is forecasting that the projected yield can’t possibly be met.

It is an extreme example, but there are plenty bigger household names whose shares yield decent amounts.

Royal & Sun Alliance shares, for example, yield around 8.3% at the moment, whilst insurance colleague Aviva’s yield is even higher. Drug giant AstraZeneca’s yield sits at around 6.6%, whilst Scottish & Southern Energy shares yield around 6.6%.

And if you hold the shares in an ISA or self-invested personal pension (SIPP) – any proceeds don’t contribute to income tax.

So if you can combine a basket of high-yielding investments with a little strict cost-cutting elsewhere and you’re mentally prepared not to spend your capital, you could be sitting pretty.

The cost-cutting part may be a little harder. Cars are the biggest unnecessary expenditure for most households, as well as expensive socializing. If you have an eye on future expenditure, find the cheapest possible cars to run, like hybrid vehicles.

And remember that the best family car is often simply the one which is cheapest to run – allowing you to relax and spend more time with your family instead of working continually.

Also, try and make other savings wherever you can and concentrate not on your capital amount – but on the income it can bring; that’s the key to living off your capital. Good luck

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When we chat about companies, it is often best to stay with the tried-and-tested systems. Particularly with the slow pace like our economy is getting over, now isn’t really the time to experiment. And one of the most fool-proof strategies that entrepreneurs do is staying with a sales script.

Whether you’re selling a product or service over the phone or in person, a great sales rep should have a good sales script. You require a “guide” to make sure that your sale runs as smoothly as it can.

The number one thing you have to remember is that you have got to have a good sales script. You shouldn’t also be contented with using “manufactured” sales scripts. These scripts are the type that you picked out off the Web or the same script you used in your previous job.

Sales scripts must be customized and altered to fit your own unique needs. I have always recommended doing 5 steps to ensure that you create the best sales script for your company.

1. Do a consumer preference research.
2. Identify your service’s or product’s biggest selling point.
3. Write the sales script.
4. Test-run it and make the necessary changes.
5. Implement it.

All of these are really important steps to take if you want a good sale script.

But you see, I actually do believe that your sales script, regardless of how well written it is, would not work as well if you do not know the secret ingredient: persuasion.

But persuasion is the ability that each great sales rep must master. Generally, it’s a soft ability, yes, but there are ways for you to form your sales script and make it as convincing as you can.

Before we are going through that though, let’s first define persuasion.

Before we go thru that though, let us first outline persuasion.

If you know how to persuade someone you’re well on your way to being a top salesman. A persuasive person can change a negative opinion into a positive opinion.

So how can you incorporate persuasion into your sales script?

The first thing to know is you will need to be able to control the inflection or your voice tone. This is an ability that you would learn if you study about persuasion.

Next, in a persuasive sales script, each phrase must be conscientiously thought through. The slightest mistake in phrasing or word choice could make or break a sale.

One other tip to make a useful sales script is by grasping that most folks come to a decision to buy or purchase something is because of some emotional triggers.

Another tip to make an effective sales script is by accepting that most people opt to buy or purchase something is on account of some emotional triggers.

Clearly, the more your sales script appeal to your potential client’s emotions, the higher your odds of changing him into an existing and returning client.

If you want to know more about Sales Scripts, visit my Persuasion Sales website.

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If you’ve reached the point in your life that you are undecided about where you want to go or what you want to do, you may first want to sit down and consider what you need. Do you need a steady job? Are you tired of working hard only to have your boss take all the credit? Are you fed up with the company taking all of the profits that you earned? If this sounds familiar, you may want to further research starting your own business. The story goes, home based offices are growing in number because more people want to get their own chip in the pile.

Absolutely nothing is more frustrating than to give your very best and put out the best product only to have someone else getting the credit for it. This can actually be quite debilitating if you let it. Work at home companies offer one option to do the work and actually get credit for it. While you won’t have any scapegoats, you will find it is a feeling of freedom that nothing else compares to.

When you open and run your own office, you also don’t have to worry about someone else taking all the profits. If you’ve ever sweated for a business for minimum wage and then watched as they enjoyed more and more money from your sweat, you know how demeaning it can be. Managing your own company can put a stop to this and you can choose how to spend your profits.

Although you may not be able to completely overcome your largest competitors, you will find that your money to begin for your business will be minimal. Renting or leasing space is often one of the largest expenses for any new business. But to offset, when you run your business from home, there will be not too many expenses.

No matter the motivation for contemplating an additional alternative for your life, you will find that many work from home companies will not only give you the chance to be your own boss, but it may give you a incredible amount of personal satisfaction. Exactly what more could you need in life besides you own piece of the pie?

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The world keeps on turning. And the needs never stop howling. Pressures from daily struggles often leave individuals feeling disturbed and disconnected socially, emotionally, and physically, which could possibly induce strife between couples.

A solution must be found.. And that’s one of the causes of the existence of spas.

A spa visit, even for a small fraction of time, could lead couples to revive the love that’s been put aside by towering obligations.

A lot of couples like the idea of having a romantic day at the spa together, but the planning and schedules usually put them off. Nice thing now most spas have websites, so it’s easier to look at their services and compare with other spas. The minute couples finished the stage of planning, a spa get-away will certainly do wonders for couples.

Some spas, if not all, have rooms specially intended for couples to get that privacy they desire. And couples can select from the different couple massages ready on the spa menu. Visiting a spa together allows a couple to spend time with each other and savor the joys of a massage. In this way, they get reconnected and revived.

Normally, good spas have extra amenities for couples to enjoy from like a Jacuzzi, a lounging area to unwind and enjoy a cup of tea, and some also provides steam bath.

With their busy work, it is a bit challenging to get each other’s hectic schedule meet for a spa visit. However, once they get there, normally, perspectives are changed and moods are improved as they get treated to a relaxing spa aroma.

A visit in a spa not only proves to be romantic, but a healthy one as well as couples take the gains of a spa massage and the indulgence in special aromatherapy treatments .

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As a work at home typist, you will see that no extensive skills are necessary, but the more you do strengthen your knowledge, the additional chances you will have in front of you. Take your time in studying the industry and make positive that you do everything you can to consistently meet your deadlines, so you will have regular business.

A work at home typist position will not require you to have extensive computer skills, but you will have to be able to type fast and without mistakes. If your abilities are not where they need to be, start getting some practice. You will find there tend to be many open typing programs online that you can join in to strengthen your your words per minute rate and accuracy both.

You ought to also look into some online classes that can teach you about various computer programs, such as Excel, database management, and PowerPoint. The more software and programs that you have experience with and the variety of placements that you can take will grow. This, of course, means more opportunity and a higher paycheck for you.

But, being viable at this form of employment is not all about your skills. This is also about how well you can do your work on your own. Working from your home means that you are responsible for finishing the work yourself. Sadly, many things can get in your way and you must find a way to handle all of the disruptions that can abound when you work from the home.

While many persons have vast pc talents that enable them to work out of the home, you may be feeling left out of the various opportunities because you only have very primary skills. You should not let this stop you in your plans, as there are still many opportunities you can join to make money from home. One such opening is that of an work at home typist. You just have to figure out if you have all that it takes to be profitable.

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Organisations often believe innovation is about doing big, transformational projects that create new revenue or define entirely new product categories. These are initiatives that are usually described by commentators as “radical” or “breakthrough” innovations. They’re typified as being extremely lucrative, assuming one can afford the very substantial risks. In other words, if they succeed, you have an organisation defining hit on your hands, though the chance of this happening is relatively low.

Many executives, when asking innovators to produce, do so with the expectation that they will get radical innovation, but they want it without the risk. Most of the time, this is pretty much impossible to achieve in any reliable way, and is a reason innovation teams get fired.

In contrast, incremental innovation has many fewer risks. It examines what is already being done and develops some minor improvement that delivers new value. Such improvements are usually not that earth-shaking, and will usually take out cost, or enable charging higher prices, or expand the reach of a product or service in the market. The point is not how big these gains are initially, but that when many incremental innovations are added together, they can add materially to the fortunes of an organisation.

The most sophisticated innovation programmes do projects in both categories in order to balance their risk of failing to achieve meaningful outcomes. The small, incremental innovations balance out the expense of the big failures, at least until the team is lucky enough to get a hit.

My experience suggests that innovation teams start by riding high on the expectation they will deliver astounding benefits from radical innovation. Sooner or later, though, stakeholders realise that “astounding” benefits are some time away, and are, in fact, not so astounding after all. Faced with such disappointment, they lose interest in the innovation programme.

Key note to new innovation programmes: avoid the temptation to focus on radical innovation at the start, and you will likely live to fight another day. By concentrating firstly – or at least to a large degree – on incremental innovation, you have the chance to build basic capabilities which will be important as things get more strategic.

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Even though many persons possess vast laptop or computer abilities that permit them to do your job from home, you may be feeling left out of the various openings because you only have very fundamental abilities. You should not let this get you down, as there are still many chances you can join to make money from home. One such career is that of an work at home typist. You just have to figure out if you have the essential qualities that it takes to succeed.

You ought to also find some online classes that can teach you about various computer programs, such as Excel, database management, and PowerPoint. The more software and programs that you are familiar with and the slew of jobs that you can take will grow. This, of course, means more opportunity and a higher earning for you.

A work from home typist position will not make you to have extensive computer skills, but you must be able to type quickly and accurately. If your skills are not where they need to be, start practicing. You will see there are a lot of free typing seminars online that you may participate in to better your speed and decrease your mistakes.

But, being consistently profitable at this type of position is not all about your expertise. It is also about how well you can do working on your own. Working from your home means that you are in charge of finishing the work yourself. Sadly, many things can get in your way and you must learn how to deal with all of the distractions that can happen when you work from the home.

As a works from home typist, you will see that no special abilities are needed, but the more you do improve your innate information, the additional opportunity you will have in front of you. Take your time in understanding the marketplace and make for sure that you do everything possible to always make your deadlines, so you will have recurring customers.

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