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?

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

NATIONAL MOM’S  DAY OFF !

PUBLISHERS NOTICE

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 Harrison
Streetwise Publications

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

www.streetwisenews.com/CFTFC

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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

NATIONAL GIRLFRIEND DAY !

PUBLISHERS NOTICE

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 Harrison
Streetwise Publications

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

www.streetwisenews.com/CFTFC

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.

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

NATIONAL TV DINNER DAY !

PUBLISHERS NOTICE

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 Harrison
Streetwise Publications

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

www.streetwisenews.com/CFTFC

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.

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

NATIONAL EAT OUTSIDE DAY !

PUBLISHERS NOTICE

Welcome To Your Very Own Money Machine…

For Full Details Click Here

  All the best for now 

  John Goldsmith

I’m interested in wristwatches, and one thing that always surprises me is the price of top quality leather straps. You can buy cheap ones of course, but for something nice you could get an expensive belt (and even a leather jacket at the top end of the price range!) for the same price.

It’s with this in mind, that I think Diana Eng is on to a winner because she’s combined antique leather, quality production and an eco-friendly approach in one neat package.

Diane makes purses from reclaimed and discarded leather. These sell for around $45. Typically the leather comes from the furnishings industry. Perhaps a piece of hide has become stained or damaged in places – no good if you’re making a sofa, but not a problem when you’re cutting out small pieces to make purses.

There’s another novel twist to this business which enhances its appeal. If you go on the company website and enter the unique product code for the purse you’ve bought, you can trace back to the source of the leather it’s made from. So you get to find out exactly where this piece of leather was originally destined for.

Isn’t that a nice idea…and one that I’m sure could be copied by anyone producing products from recycled materials, or indeed selling second hand goods. Perhaps this idea could be extended and adapted to other businesses too.

What could you tell your customers on your website about the material that went into their product or the people who made it for them? Worth giving some thought to I think

Do Something Boring

We spend a lot of time telling you about interesting and novel business idea here, and you can certainly make money with those. But here’s an alternative for you – do something boring instead!

I’ve met so many people, living exotic and interesting lifestyles, whose means of achieving it were anything but. Waste management specialists, paint manufactures, engineering company owners, building materials suppliers, packaging manufacturers, toilet roll makers, janitorial supplies companies. All things that people need and want, but not sexy in the least.

I’m not suggesting you discount the possibility of making money from something cutting edge and cool, but rather that you keep your mind open to the alternative. Make money from something boring that you know people want and need.

Today’s National Day

NATIONAL PROSECCO DAY !

PUBLISHERS NOTICE

Welcome To Your Very Own Money Machine…

For Full Details Click Here

  All the best for now 

  John Goldsmith