Company of the Year: Telecom Plus
https://www.telecomplus.co.uk/857589
By any measure, a FTSE 250 business that is doubling revenues annually is remarkable; to be doing so in the utility sector, by definition mature, is all the more astonishing, writes Ross Tieman .
Clearly, Telecom Plus, winner of the Company of the Year award, has found an original and effective business model.
The company, where Charles Wigoder, the chief executive, and his family and friends acquired control in 1998, six months after its foundation, is unique in the UK market in offering mobile and fixed telephony, broadband and gas and electricity services to its customers on a single bill.
It does not advertise. Rather, new households are recruited to its Utility Warehouse Discount Club by a network of more than 4,000 distributors who are existing users.
These word-of-mouth customer ambassadors receive a tiny percentage of the bills paid by every new customer they recruit, in perpetuity, so retain a strong interest in ensuring ongoing customer satisfaction.
Their task is facilitated by a string of plaudits from consumer watchdog magazine Which? which says Telecom Plus is the best household provider of broadband, fixed telephony and energy in the UK.
It buys bulk telecoms capacity at wholesale prices in an oversupplied market and gets its energy from producer Npower, under a deal that transfers the risk of price fluctuations to the provider. In addition, he company supplies businesses, mainly small companies, brought in by its distributors.
It benefits from a tougher economic climate in several ways, says Mr Wigoder. "Many casual jobs no longer exist, overtime opportunities are no longer there, work hours are reduced, so we are seeing record numbers of new distributors" looking to top up their income. Meantime, consumers are keener to grasp opportunities to shave household bills, and improve visibility over their outgoings.
In the year to March 2008, Telecom Plus, which is debt-free, achieved revenues of £186m and net profits of £11.9m. By September last year, it had 227,384 household customers, up 19,000 since end-March, and trends have since accelerated.
The latest spur comes from its CashBack MasterCard, a chargeable payment card which helps households economise. Using the card for purchases at retail chains such as J Sainsbury and Boots gives household a 5 per cent discount offset against their Telecom Plus bills.
https://www.telecomplus.co.uk/markcox
Monday, March 16, 2009
Tuesday, March 10, 2009
UK Small Business Directory
UK Small Business Directory
Local Business Directory for Local Businesses
Visit- http://www.uksmallbusinessdirectory.co.uk/
Local Business Directory for Local Businesses
Visit- http://www.uksmallbusinessdirectory.co.uk/
Tuesday, March 03, 2009
VAT, Accountancy, Services
Taxation, VAT, Accountancy, Services
Former VAT auditor, with 25 years experience, offers VAT & accountancy services
VAT returns completed and submitted. (Related bookkeeping can be undertaken.)
Assistance with late return submission & negotiating time to pay.
Checking last 4 VAT returns in order to determine if VAT payment liability can be reduced by transfer to authorised VAT scheme.
Assistance with HMRC tax assessments.
Completion of self assessments.
Completion of annual P & L accounts & Balance Sheet.
Based in Lincolnshire.
Can visit Lincolnshire clients.
Will take on clients throughout UK as above can be undertaken by telephone, e-mail and post.
Due to very low overheads very modest fees charged which can be discussed on application.
Also small client base to be maintained so prompt attention given to all clients.
Contact Mark on 01507 602826 or e-mail markcox46@yahoo.com
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=110351051933
Former VAT auditor, with 25 years experience, offers VAT & accountancy services
VAT returns completed and submitted. (Related bookkeeping can be undertaken.)
Assistance with late return submission & negotiating time to pay.
Checking last 4 VAT returns in order to determine if VAT payment liability can be reduced by transfer to authorised VAT scheme.
Assistance with HMRC tax assessments.
Completion of self assessments.
Completion of annual P & L accounts & Balance Sheet.
Based in Lincolnshire.
Can visit Lincolnshire clients.
Will take on clients throughout UK as above can be undertaken by telephone, e-mail and post.
Due to very low overheads very modest fees charged which can be discussed on application.
Also small client base to be maintained so prompt attention given to all clients.
Contact Mark on 01507 602826 or e-mail markcox46@yahoo.com
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=110351051933
Friday, February 13, 2009
French & Saunders
Hi,
Check out French & Saunders talking about how you can save money on your bills!
Simply click on http://www.uwdcvideos.co.uk/?exref=857589 then let me know what you think. It lasts about 3 minutes.
Please pass it on to anyone else you think might be interested in saving some money.
And you could win free utilities for a year!
Check out French & Saunders talking about how you can save money on your bills!
Simply click on http://www.uwdcvideos.co.uk/?exref=857589 then let me know what you think. It lasts about 3 minutes.
Please pass it on to anyone else you think might be interested in saving some money.
And you could win free utilities for a year!
Saturday, January 17, 2009
Welcome to the opportunity of a lifetime
Welcome to the opportunity of a lifetime.
Please visit and watch the video @
www.utilitywarehouse.biz/videodir/home.taf?exref=857589
We will send you a free information pack by email.
Please visit and watch the video @
www.utilitywarehouse.biz/videodir/home.taf?exref=857589
We will send you a free information pack by email.
Tuesday, January 06, 2009
Submit Your Website To Google, Yahoo, MSN
Companies that tell you that they can submit your website to 1000's of search engines for a price are just ripping you off.
There are only 3 major search engines that matter, Google, Yahoo, and MSN.
Once you get included in these major search engines, the other search engines and directories will begin to include your website in their listings.
The links below let you submit your website to each of the major search engines.
Click each website submission link and submit your website to the major search engines for free.•
Submit Your Website To GoogleFree website submission to google•
Submit Your Website To YahooFree website submission to yahoo•
Submit Your Website To MSNFree website submission to msn
There are only 3 major search engines that matter, Google, Yahoo, and MSN.
Once you get included in these major search engines, the other search engines and directories will begin to include your website in their listings.
The links below let you submit your website to each of the major search engines.
Click each website submission link and submit your website to the major search engines for free.•
Submit Your Website To GoogleFree website submission to google•
Submit Your Website To YahooFree website submission to yahoo•
Submit Your Website To MSNFree website submission to msn
Saturday, December 20, 2008
Chilli Peppers CookShop
Chilli Peppers Cookshop supplies a huge range of specialist, quality cookware and bakeware at excellent prices and we can usually deliver within 48 hours. Free delivery for orders over £100.00 within the United Kingdom. Delivery charge of £4.50 for orders under £100.00 within the United Kingdom.
Our web site is designed to ensure that purchasing our products on-line is easy, enjoyable and secure. Simply choose the department that you want to browse, or if you are looking for a specific product just enter it in the search box on the left of your screen.
You can either use our shop system to order on-line or you can phone us on 01507 608787. Furthermore, we regularly have a number of fantastic items on special offer.
If we don’t have an item that you want in stock, please complete our on-line form and let us know and we’ll get back to you.
http://chillipepperscookshop.com/door/
Our web site is designed to ensure that purchasing our products on-line is easy, enjoyable and secure. Simply choose the department that you want to browse, or if you are looking for a specific product just enter it in the search box on the left of your screen.
You can either use our shop system to order on-line or you can phone us on 01507 608787. Furthermore, we regularly have a number of fantastic items on special offer.
If we don’t have an item that you want in stock, please complete our on-line form and let us know and we’ll get back to you.
http://chillipepperscookshop.com/door/
Thursday, November 20, 2008
Friday, November 14, 2008
Starbucks
Recently, Royal Marines in Iraq, wrote to Starbucks because they wanted to let them know how much they liked their coffees, and to request that they send some of it to the troops there. Starbucks replied, telling the Marines thank you for their support of their business, but that Starbucks does not support the war, nor anyone in it, and that they would not send the troops their brand of coffee.
So as not to offend Starbucks, maybe we should support them by NOT buying any of their products! I feel we should get this out in the open. I know this war might not be very popular with some folks, but that doesn't mean we don't support the boys on the ground, fighting street-to-street and, house-to-house.
If you feel the same as I do then pass this along. Thanks very much for your support. I know you'll all be there again when I deploy once more.
Sgt. Howard C. Wright 1st Force Recon Co 1st PLT.
PLEASE DON'T DELETE THIS. .. PLEASE PASS TO EVERYONE ON YOUR E- MAIL LIST, IN MEMORY OF ALL THE TROOPS
WHO HAVE DIED, SO THAT WE MAY HAVE THE RIGHT TO CHOOSE !
Also, don't forget that when the Twin Trade Towers were hit, the fire fighters and rescue workers went to Starbucks because it was close by for water for the survivors and workers, and Starbucks CHARGED THEM! ! !
AN ADDED NOTE TO THIS: STARBUCKS HAD STORES ON SEVERAL MILITARY BASES IN THE UNITED STATES. THEY ARE NOW BEING REMOVED BECAUSE OF THIS.
There are 227 Starbucks stores across the UK, and there's no doubt that our soldiers
I never liked their coffee either
So as not to offend Starbucks, maybe we should support them by NOT buying any of their products! I feel we should get this out in the open. I know this war might not be very popular with some folks, but that doesn't mean we don't support the boys on the ground, fighting street-to-street and, house-to-house.
If you feel the same as I do then pass this along. Thanks very much for your support. I know you'll all be there again when I deploy once more.
Sgt. Howard C. Wright 1st Force Recon Co 1st PLT.
PLEASE DON'T DELETE THIS. .. PLEASE PASS TO EVERYONE ON YOUR E- MAIL LIST, IN MEMORY OF ALL THE TROOPS
WHO HAVE DIED, SO THAT WE MAY HAVE THE RIGHT TO CHOOSE !
Also, don't forget that when the Twin Trade Towers were hit, the fire fighters and rescue workers went to Starbucks because it was close by for water for the survivors and workers, and Starbucks CHARGED THEM! ! !
AN ADDED NOTE TO THIS: STARBUCKS HAD STORES ON SEVERAL MILITARY BASES IN THE UNITED STATES. THEY ARE NOW BEING REMOVED BECAUSE OF THIS.
There are 227 Starbucks stores across the UK, and there's no doubt that our soldiers
I never liked their coffee either
Thursday, November 06, 2008
Pure Decadence
Pure Decadence
Lingerie by Pure Decadence
- Look the part and feel the pleasure
- We offer the finest in quality and fashion with Free Delivery and Special Offers on an extensive range of sexy lingerie.
http://www.puredecadence.co.uk/?dealer=299
Lingerie by Pure Decadence
- Look the part and feel the pleasure
- We offer the finest in quality and fashion with Free Delivery and Special Offers on an extensive range of sexy lingerie.
http://www.puredecadence.co.uk/?dealer=299
Wednesday, October 15, 2008
TrafficSwarm
TrafficSwarm

For most people, getting high-quality targeted visitorsto their site is probably one of the "hardest" things todo ... unfortunately it's also the most important.
The reason it's difficult for most small businesses and online marketers is that the majority of popular site promotion strategies either take up A LOT of time, cost a lot of money, or are too risky. Right?
Well, I want to let you know about a new, fully-automated traffic-generationsystem that can send 1000s of targeted prospects toyour site, every single day, absolutely FREE!
http://www.trafficswarm.com/go.cgi?331162
For most people, getting high-quality targeted visitorsto their site is probably one of the "hardest" things todo ... unfortunately it's also the most important.
The reason it's difficult for most small businesses and online marketers is that the majority of popular site promotion strategies either take up A LOT of time, cost a lot of money, or are too risky. Right?
Well, I want to let you know about a new, fully-automated traffic-generationsystem that can send 1000s of targeted prospects toyour site, every single day, absolutely FREE!
http://www.trafficswarm.com/go.cgi?331162
Friday, October 10, 2008
The Utility Warehouse CashBack card
The Utility Warehouse CashBack card
The only payment card that gives you an extra 5% savings on: food and fuel at Sainsbury's, as well as clothing, DIY, health and beauty products, household and electrical goods... at leading retailers throughout the UK!
Participating retailers include: Sainsbury's, Argos, Halfords, Homebase, JJB sports, Topman, Topshop, Waterstones....
Top up your card with the amount of money you choose
Shop at any participating retailer and save 5% on top of any other special offers, sales or discounts
Receive your savings as CashBack on your next Utility Warehouse bill!
There is no limit to how much CashBack you can receive!
The card is welcomed anywhere you see the MasterCard acceptance mark. You can use it to shop online, over the phone and abroad. And because it's not linked directly to your bank account, you are protected from identity theft and fraud.
You can order a partner card with a main card - which shares the balance. Or order up to three sibling cards; each has its own balance - perfect for pocket money, or for sending money to a family member away from home - even abroad!
Visit-
http://www.telecomplus.org.uk/857589
Then click on CASHBACK CARD
The only payment card that gives you an extra 5% savings on: food and fuel at Sainsbury's, as well as clothing, DIY, health and beauty products, household and electrical goods... at leading retailers throughout the UK!
Participating retailers include: Sainsbury's, Argos, Halfords, Homebase, JJB sports, Topman, Topshop, Waterstones....
Top up your card with the amount of money you choose
Shop at any participating retailer and save 5% on top of any other special offers, sales or discounts
Receive your savings as CashBack on your next Utility Warehouse bill!
There is no limit to how much CashBack you can receive!
The card is welcomed anywhere you see the MasterCard acceptance mark. You can use it to shop online, over the phone and abroad. And because it's not linked directly to your bank account, you are protected from identity theft and fraud.
You can order a partner card with a main card - which shares the balance. Or order up to three sibling cards; each has its own balance - perfect for pocket money, or for sending money to a family member away from home - even abroad!
Visit-
http://www.telecomplus.org.uk/857589
Then click on CASHBACK CARD
Monday, September 22, 2008
Broadband
Only two companies performed to Best Buy standards for their broadband services. We've tested more than 130 broadband services from nearly 30 providers to reveal where you can get lightning speeds and top-class service without tearing your hair out.
Reviews of 157 broadband services: capped, uncapped, high-speed, medium speed and slow speed.
6 Best Buy broadband packages for a fast and reliable connection.
Reviews of broadband services from 32 companies.
Which? Reviews No advertising, no bias, no hidden agenda.
http://www.webspawner.com/users/cheapestbroadband/index.html
http://www.webspawner.com/users/victor90/index.html
http://www.webspawner.com/users/cheapestbroadband/index.html
Reviews of 157 broadband services: capped, uncapped, high-speed, medium speed and slow speed.
6 Best Buy broadband packages for a fast and reliable connection.
Reviews of broadband services from 32 companies.
Which? Reviews No advertising, no bias, no hidden agenda.
http://www.webspawner.com/users/cheapestbroadband/index.html
http://www.webspawner.com/users/victor90/index.html
http://www.webspawner.com/users/cheapestbroadband/index.html
Tuesday, September 09, 2008
BROADCALL
BROADCALL
The Utility Warehouse offers one of the UK's best value broadband deals via their Broadcall service (combined broadband, line rental & calls), along with three competitive 'broadband only deals', which include free connection, no minimum contract, a free USB modem with the standard service (8Mbps broadband with a very adequate 40Gb cap) or a wireless router and USB adapter on the Max service (16Mbps unlimited broadband).
Broadcall offers: broadband speeds of up to 8 Mbps, unlimited or 40Gb monthly data options, free email anti-spam & anti-virus, no BT line rental charge on your phone, unlimited free UK weekend calls, free connection, free wireless router or USB modem and no minimum contract term.
Visit www.telecomplus.org.uk/857589
Current Utility Warehouse broadband deals
Speed
Download
Set-up
Monthly
Annual
Info
Broadcall
8Mb
40Gb
Free
£19.99
£239.88
More »
Broadcall plus
8Mb
Unlimited
Free
£24.99
£299.88
More »
Free Laptop Visit http://www.webspawner.com/users/cheapestbroadband/index.html
8Mb
40Gb
Free
£29.99
£359.88
More » Visit- http://www.webspawner.com/users/victor20/index.html
Lite
2Mb
2Gb
Free
£14.99
£179.88
More »
Standard
8Mb
40Gb
Free
£17.99
£215.88
More »
Max
16Mb
Unlimited
Free
£22.999
£275.88
More about Utility Warehouse broadcallBroadCall is available to all UK households with a BT phone line. To illustrate just what great value this represents, remember that BT charge most of their customers £12 per month just for line rental!There are 2 different prices for BroadCall depending on whether new equipment has been installed in your local BT exchange, a process known as Local Loop Unbundling or "LLU". If your local exchange has not yet been 'unbundled' and you connect to our BroadCall service, we'll check your local exchange every 6 months. If "LLU" has become available at that time, we will automatically reduce your monthly charges (as long as we have successfully transferred your line) to our lower "LLU" BroadCall prices.
The call part of BroadCallthe Utility warehouse take over complete responsibilty for supplying your home phone service, so you won't receive any further bills from BT. But in the unlikely event something goes wrong, your line will still be repaired by exactly the same engineers in exactly the same way as if you were still paying BT's higher prices. BT quality service but at a lower cost..... That's Broadcall.You keep your current home phone number and use your existing telephone(s) for making calls (unlike some other suppliers who only offer cheap calls using a low quality internet telephony service), while benefitting from savings of almost 50% on the calls you make most often - that's daytime calls to local and national destinations. You'll also receive unlimited Free Weekend calls to anywhere in the UK (compared with a fixed price of 5.5p per call on BT). Take Broadcall and one other service and receive unlimited Free Evening and Weekend calls to anywhere in the UK.Take Broadcall and two other services and and receive unlimited free Calls to any UK landline number All day, Every day.
http://www.coxyland.zoomshare.com/
http://www.webspawner.com/users/10victor/index.html
The Utility Warehouse offers one of the UK's best value broadband deals via their Broadcall service (combined broadband, line rental & calls), along with three competitive 'broadband only deals', which include free connection, no minimum contract, a free USB modem with the standard service (8Mbps broadband with a very adequate 40Gb cap) or a wireless router and USB adapter on the Max service (16Mbps unlimited broadband).
Broadcall offers: broadband speeds of up to 8 Mbps, unlimited or 40Gb monthly data options, free email anti-spam & anti-virus, no BT line rental charge on your phone, unlimited free UK weekend calls, free connection, free wireless router or USB modem and no minimum contract term.
Visit www.telecomplus.org.uk/857589
Current Utility Warehouse broadband deals
Speed
Download
Set-up
Monthly
Annual
Info
Broadcall
8Mb
40Gb
Free
£19.99
£239.88
More »
Broadcall plus
8Mb
Unlimited
Free
£24.99
£299.88
More »
Free Laptop Visit http://www.webspawner.com/users/cheapestbroadband/index.html
8Mb
40Gb
Free
£29.99
£359.88
More » Visit- http://www.webspawner.com/users/victor20/index.html
Lite
2Mb
2Gb
Free
£14.99
£179.88
More »
Standard
8Mb
40Gb
Free
£17.99
£215.88
More »
Max
16Mb
Unlimited
Free
£22.999
£275.88
More about Utility Warehouse broadcallBroadCall is available to all UK households with a BT phone line. To illustrate just what great value this represents, remember that BT charge most of their customers £12 per month just for line rental!There are 2 different prices for BroadCall depending on whether new equipment has been installed in your local BT exchange, a process known as Local Loop Unbundling or "LLU". If your local exchange has not yet been 'unbundled' and you connect to our BroadCall service, we'll check your local exchange every 6 months. If "LLU" has become available at that time, we will automatically reduce your monthly charges (as long as we have successfully transferred your line) to our lower "LLU" BroadCall prices.
The call part of BroadCallthe Utility warehouse take over complete responsibilty for supplying your home phone service, so you won't receive any further bills from BT. But in the unlikely event something goes wrong, your line will still be repaired by exactly the same engineers in exactly the same way as if you were still paying BT's higher prices. BT quality service but at a lower cost..... That's Broadcall.You keep your current home phone number and use your existing telephone(s) for making calls (unlike some other suppliers who only offer cheap calls using a low quality internet telephony service), while benefitting from savings of almost 50% on the calls you make most often - that's daytime calls to local and national destinations. You'll also receive unlimited Free Weekend calls to anywhere in the UK (compared with a fixed price of 5.5p per call on BT). Take Broadcall and one other service and receive unlimited Free Evening and Weekend calls to anywhere in the UK.Take Broadcall and two other services and and receive unlimited free Calls to any UK landline number All day, Every day.
http://www.coxyland.zoomshare.com/
http://www.webspawner.com/users/10victor/index.html
Thursday, August 21, 2008
Lake Vyrnwy Hotel
One of Mid-Wales's premier country hotels
On the fringe of Snowdonia, located in a spectacular mountainscape overlooking the famous lake, it's the destination for pleasure or business.
A calm environment comes as standard.
Perhaps a weekend break, or as a venue for a memorable wedding, seminar or conference, be away from life's hustle and bustle. Activities and sightseeing if you wish, but the company of a good book, glass of wine and an unforgettable view works for many.
Our cuisine focuses on fresh, local ingredients, stylishly presented.
Standards are high, but don't expect stiff and starchy formality. That wouldn't be very relaxing, would it?
Comfort, style and incomparable scenery.
http://www.lakevyrnwy.com/
On the fringe of Snowdonia, located in a spectacular mountainscape overlooking the famous lake, it's the destination for pleasure or business.
A calm environment comes as standard.
Perhaps a weekend break, or as a venue for a memorable wedding, seminar or conference, be away from life's hustle and bustle. Activities and sightseeing if you wish, but the company of a good book, glass of wine and an unforgettable view works for many.
Our cuisine focuses on fresh, local ingredients, stylishly presented.
Standards are high, but don't expect stiff and starchy formality. That wouldn't be very relaxing, would it?
Comfort, style and incomparable scenery.
http://www.lakevyrnwy.com/
Tuesday, August 05, 2008
Louth Playgoers
Louth Playgoers
Louth Playgoers Riverhead Theatre is a local community owned venue. It is maintained and run by a dedicated team made up almost entirely of volunteers.
The Society is led by a Board of Directors who bring many attributes to the Society some having experience of running businesses, working in the arts, working with people etc., but each and every one also giving of their time as a volunteer working in the day to day operations of the theatre.
Every person gives freely of his/her time to one aspect or another of the everyday life of the Riverhead. Even four paid (part time) staff also volunteer their free time. Our volunteers number well over 100 from all walks of life and all abilities each bringing dedication and enthusiasm seldom found in professional theatres. All that makes Louth Playgoers Riverhead Theatre one of the friendliest venues that you will experience and well respected nationally in many theatre circles for all it has achieved and its continued success.
We will try and offer all who wish to give of their time the opportunity to join the team. We exclude no-one and will find somewhere within the theatre for them to use their talents and work alongside others to their best advantage. (We are mindful of all health and safety concerns and some activities associated with theatre life may not suit certain disabilities). We will, however, try to offer an alternative area to work should any disability restrict a person from volunteering this/her services in any area.
If you have a little time to spare and would like to offer your services, please fill in the attached form and submit it to us.
Alternatively please email-
admin@louthplaygoers.co.uk
or visit-
http://www.louthplaygoers.co.uk/
Registered Charity 1078605
Louth Playgoers Riverhead Theatre is a local community owned venue. It is maintained and run by a dedicated team made up almost entirely of volunteers.
The Society is led by a Board of Directors who bring many attributes to the Society some having experience of running businesses, working in the arts, working with people etc., but each and every one also giving of their time as a volunteer working in the day to day operations of the theatre.
Every person gives freely of his/her time to one aspect or another of the everyday life of the Riverhead. Even four paid (part time) staff also volunteer their free time. Our volunteers number well over 100 from all walks of life and all abilities each bringing dedication and enthusiasm seldom found in professional theatres. All that makes Louth Playgoers Riverhead Theatre one of the friendliest venues that you will experience and well respected nationally in many theatre circles for all it has achieved and its continued success.
We will try and offer all who wish to give of their time the opportunity to join the team. We exclude no-one and will find somewhere within the theatre for them to use their talents and work alongside others to their best advantage. (We are mindful of all health and safety concerns and some activities associated with theatre life may not suit certain disabilities). We will, however, try to offer an alternative area to work should any disability restrict a person from volunteering this/her services in any area.
If you have a little time to spare and would like to offer your services, please fill in the attached form and submit it to us.
Alternatively please email-
admin@louthplaygoers.co.uk
or visit-
http://www.louthplaygoers.co.uk/
Registered Charity 1078605
Friday, July 25, 2008
Location, Location, Location
Phil Spencer
I think that what is happening is that the press in general talks about 'the property market'. But there isn't just one property market - there are lots of property markets in different regions and in different towns. It's important to accept that there are different ones around the country, and that what is happening in yours may not be happening in someone else's in another part of the country. I've just read a feature in a newspaper that deals with new builds in the Midlands, and of course I feel sorry for people who have lost money in this particular story, but the sad fact is that they simply bought the wrong thing - there was a massive over-supply of the same types of property in that area.
The property columns seem to have become obituary columns but markets never stand still and there are opportunities in both upturns and downturns. Recent Halifax figures show house prices fell by an average of 2.5 per cent last month, the biggest fall in a single month since 1992. However, they went on to conclude that average prices were still 1.1 per cent higher than they were 12 months ago.
Many people are thinking about downsizing. Credit: Harry Penton
It is negative equity which forces home owners to sell and it is only when the numbers of forced sellers reach significant levels that a market actually crashes. Using data from 80 per cent of lenders, Experian estimate 8,000 people are already in difficulty and more than 23,000 would be in negative equity if prices fell by 10 per cent. A 20 per cent fall would mean 78,394. Given that there are around 14.5 million owner-occupiers in the UK - I do not believe these numbers would bring about the type of market collapse being hyped up in the press. Yes - there will be pain felt in certain sectors, but it is by a relatively small number of people.
Conditions have been shifting on a fortnightly basis and the market is incredibly polarised; different postcodes and price brackets behave quite independently from one another. It is therefore impossible for mainstream press articles to offer more than an idea of general trend. Without a clear understanding of how each of the various statistics are collated, the relevance to your circumstances, and from which stage in the transaction process they refer to, the information is of limited use.
It always surprises me and my colleagues at Garringtonwhen the market softens that so many people trading upwards fail to see a potential drop in price as a relative one, which can be more than recouped by purchasing under similar conditions. But that is precisely what 'sentiment' is all about and the reason why it affects activity to such a great extent.
There are risks for all sectors and just as everyone is repricing risk in the financial markets - so they will try to do so in the property markets. As we head into the summer, only time will tell whether the slowdown becomes more entrenched.
Thursday, July 10, 2008
The Telecom plus business opportunity
Welcome to an overview of the Telecom plus business opportunity.
Telecom plus is a major British Plc valued at over £150 million and operating within a fast expanding consumer driven market worth in excess of £20 billion.
This site offers the facts about Telecom plus and an outstanding business opportunity that is creating wealth and a lifetime of residual income for thousands of existing Independent Distributors.
Whether you're seeking flexible home-based work, an additional profit centre for your business, a pension top-up or a complete change of direction that will pay you what you're really worth, Telecom plus may offer the solution.
Benefits include:
Substantial income potential by saving others money on services they already use
Build your financial security - long-term monthly residual income
Payment for results - generous bonuses paid monthly
Substantial ongoing promotional bonuses (£250 - £20,000)
Very low initial investment and no stock to buy
Minimal financial accounting - no cash to handle
You in the driving seat - no bosses or employees
Flexible time - work part-time or full-time
Full training and support - learn from the success of the Company's top performers
Benefit from the long term success of Telecom plus - earn equity share options
£20 billion market - virtually unlimited growth and income potential
100% credible opportunity - Telecom plus is an ethical, profitable and stock market listed British PLC
Benefit from an innovative company car scheme
Exciting incentives and rewards - holidays, cars, cash bonuses and more
Partner with one of the UK's fastest growing companies
visit - http://www.webspawner.com/users/10victor/index.html
or - http://www.telecomplus.org.uk/markcox
Please call Mark on 0800 298 4022 for more information.
Telecom plus is a major British Plc valued at over £150 million and operating within a fast expanding consumer driven market worth in excess of £20 billion.
This site offers the facts about Telecom plus and an outstanding business opportunity that is creating wealth and a lifetime of residual income for thousands of existing Independent Distributors.
Whether you're seeking flexible home-based work, an additional profit centre for your business, a pension top-up or a complete change of direction that will pay you what you're really worth, Telecom plus may offer the solution.
Benefits include:
Substantial income potential by saving others money on services they already use
Build your financial security - long-term monthly residual income
Payment for results - generous bonuses paid monthly
Substantial ongoing promotional bonuses (£250 - £20,000)
Very low initial investment and no stock to buy
Minimal financial accounting - no cash to handle
You in the driving seat - no bosses or employees
Flexible time - work part-time or full-time
Full training and support - learn from the success of the Company's top performers
Benefit from the long term success of Telecom plus - earn equity share options
£20 billion market - virtually unlimited growth and income potential
100% credible opportunity - Telecom plus is an ethical, profitable and stock market listed British PLC
Benefit from an innovative company car scheme
Exciting incentives and rewards - holidays, cars, cash bonuses and more
Partner with one of the UK's fastest growing companies
visit - http://www.webspawner.com/users/10victor/index.html
or - http://www.telecomplus.org.uk/markcox
Please call Mark on 0800 298 4022 for more information.
Monday, June 30, 2008
Stone Close
Stone Close
STONE CLOSE TEA ROOM&GUEST HOUSE
Main Street
Dent
Sedbergh
Cumbria
LA10 5QL Tel: (015396) 25231 e-mail: stoneclose@btinternet
Ideally situated for the Dales Way and Yorkshire Dales Cycle Way, Stone Close provides a warm welcome for walkers, cyclists and all visitors to the quiet, picturesque village of Dent.
Stone Close is a 17th Century listed building, which was once two separate cottages. It has flagstone floor, cast iron ranges (with fires lit in cold weather) exposed beams and original fittings.
Please visit-http://www.dentdale.com/stoneclose.htm
STONE CLOSE TEA ROOM&GUEST HOUSE
Main Street
Dent
Sedbergh
Cumbria
LA10 5QL Tel: (015396) 25231 e-mail: stoneclose@btinternet
Ideally situated for the Dales Way and Yorkshire Dales Cycle Way, Stone Close provides a warm welcome for walkers, cyclists and all visitors to the quiet, picturesque village of Dent.
Stone Close is a 17th Century listed building, which was once two separate cottages. It has flagstone floor, cast iron ranges (with fires lit in cold weather) exposed beams and original fittings.
Please visit-http://www.dentdale.com/stoneclose.htm
Wednesday, June 18, 2008
SAVE AT THE OFFICE
SAVE AT THE OFFICE
The Utility Warehouse Discount Club for Business is operated by Telecom plus PLC, recently highlighted as Europe's "Top performing" Company by the influential European Business Magazine.
Our club members benefit from substantial savings on a wide range of services including:- Landline telephone and line rental.
Mobile.
Internet.
Non-geographic numbers (e.g. 0845 and 0870).
Gas & Electricity.
Members can choose to use as many or as few of our services as they wish.
http://www.webspawner.com/users/victor90/index.html
The Utility Warehouse Discount Club for Business is operated by Telecom plus PLC, recently highlighted as Europe's "Top performing" Company by the influential European Business Magazine.
Our club members benefit from substantial savings on a wide range of services including:- Landline telephone and line rental.
Mobile.
Internet.
Non-geographic numbers (e.g. 0845 and 0870).
Gas & Electricity.
Members can choose to use as many or as few of our services as they wish.
http://www.webspawner.com/users/victor90/index.html
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