Are you happy?

Are you happy?

Nothing like being direct, and getting to the crux of the matter, and it could be the reason why you responded to our post – so what I am going to do now is explain more about our business briefly, there is plenty more online for you to browse and digest.

First up, what do we do?

Utility Warehouse is a discount club. It delivers savings across a range of services everyone uses, and that is what makes it so special, since people and businesses do not need to be taught how to use the services and products. For that reason alone, the stickability of the business means it grows and grows.

For example my very first customer, signed up on the 21st November 1997, is still a customer today – it means I have been paid over 200 times for 45 minutes work. So far that one customer has earned me over £1,000. The services they use include phone lines, broadband, mobile, gas and electricity.

They have also referred me to a number of their friends and family too.

Does this make me happy? You bet.

Further they use what is called a CashBack card, which means they spend money in one of our 40 odd partner stores, and receive a discount off their full bill – it makes their money go further.

Does that make my customer happy? You bet.

I still receive commission on the full spend, so I do not lose out.

So what I have described here is a total win-win for both the customer and the distributor.

Secondly, why has this success occurred? So, please read on …………..

There are many reasons, why the distributors, such as myself have ensured the success of the business, and I list a few more here:

  1. Recession proof – everyone wants to save money during the good times & the bad
  2. Hours to suit individual needs – part or full time, so can be added to a core business
  3. FREE local on-going training, plus product focused training & online training
  4. Products and services that are second to none, and easy to promote
  5. Regular increasing income with payment every month without fail
  6. Low once only qualification criteria (just three customers and you can be your first)
  7. On-line shopping mall, internet services, including a range of broadband packages.
  8. Number One CashBack deal in the UK
  9. A caring and very supportive management structure
  10. Product enhancement – the company does not stand still
  11. FREE calls to UK numbers for members
  12. Voted the Number One company in Europe
  13. Company car plans for everyone that wants to qualify
  14. Market share target of 10%, which equates to over 2,400,000 customers
  15. Share options – and the shares are listed on the London Stock Exchange
  16. Year end turnover and profits – up again
  17. Fantastic promotions – family and luxury holidays
  18. Annual and quarterly conferences
  19. Recognition – it is hugely surprising how little thanks is seen in day to day jobs.
  20. 21st century business utilising tablets and Apps to help you grow your income.

So why join The Utility Warehouse and become a business partner? Here are a number of very good reasons, but only you will know which ones apply and motivate you:

  • Your pay rise this year was smaller than expected or non-existent, as for next year? Don’t ask!
  • You are on Zero Hour contracts
  • You are under employed
  • Protection against job insecurity
  • Getting married with all the related costs that brings
  • New family member
  • Buying a flat or house or a bigger one
  • Extra money for a holiday
  • Pay off bills and/or higher mortgage
  • Top up your pension
  • More comfortable lifestyle
  • Entrepreneurial talent
  • Income for life
  • Always wanted my own business
  • Want time freedom – freedom to choose
  • Flexible approach to income creation

And these are also some of the reasons, why people will join you in this business too.

How do you get started and become a business partner?

Basically you will get a company and a business in a box for less than a £2-00 per week including Vat investment for 12 months (renewals are £3-00 per month thereafter). The Opportunity website www.future-biz.co.uk will explain more. Setting up a business from scratch will usually cost several hundred if not thousands of pounds, so to get one for £100 is quite an achievement and this investment comes with a 60 day money back guarantee.

Included within this 60 day period will be a number of targets, the first of which will be to get three customers (you will be your own first customer) and this will put some money in your pocket and build towards the first bonus of up to £1000 – potentially growing to £3,000 in your first year. I will be explain exactly how this works and the residual income on top too, when we next speak – please do make a note to ask me.

As I explained The Utility Warehouse provide the individual or company with massive savings on their present spending. So, in return for securing their business, you will be paid a bonus of up to £50 for each new customer plus ongoing commissions based on what they spend and likewise of your teams’ distributors customers as well.

The Utility Warehouse is a powerful and unique player in the market, but only you can decide what you want from the company. Tell me what it is, and the team and I will help you get there. Very importantly I am looking for people who want to take control of their future – are you that sort of person?

Equally importantly it is an award winning company and recognised as so by for example Which? magazine – this is third party and independent recognition.

Further the company doesn’t sit still – it is always looking to improve, and presently is building a new headquarters, three times the size of the present one to support the record growth being delivered by the network. Hugely important to note this is a UK based business in every way – nothing goes offshore.

You will have questions and that is good, and I will have questions too, and the first of those will be: What do you want to achieve now and in the future?

This is probably the most important question that can ever be asked and relates as to whether you are happy, so here’s a flow diagram to help you.

A flow diagram to help you make a decision

A flow diagram to help you make a decision

Am I happy? Yes, most certainly, because I see people join our business with and without the necessary skills to become successful; they follow our training and benefit from the support we provide; they grow as people and benefit financially over one, two, three or more years, and when ready they duplicate their success.

There is no corporate ladder here – just a very wide staircase, where we climb side by side at our own pace. Some climb faster, others take longer – that is fine.

This is a business like no other, and I have worked with some of the biggest and smallest around – you make friends for life with Utility Warehouse.

Is this business for you?

I have no idea yet …….. so please visit www.future-biz.co.uk and enter your details in the boxes on the front page, and then let’s have a conversation and see how it goes from there.

I am ready to have that conversation, are you?

Laurence

PS How happy would you like to be?

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Working from home? Things to consider.

There are two elements of working from home:

1) working under flexi rules for the company that employs you, or

2) running your own business from home.

If the former, please agree with your boss what they are going to cover expense wise, and how they will agree the hours you work. You should also seek a bonus, since you are reducing company costs.

If you are renting, then you are obliged to inform the landlord and if you have clients visit, please have your insurance revised to cover that.

If you are buying then please inform the mortgage company. Insurance has to be amended too.

Such as contents and also public liability cover.

In most cases, flexi working does not see clients visiting.

So onto number two and running your own business from home – link to follow.

2) running you own business from home.

All the above apply and more so – I would seriously discourage having people visit – suggesting a coffee shop or hotel as better, especially for people who work alone. You really do not want a nutter in your house or flat.

Create a routine in your life and build in social, me time, otherwise you will become stale and very quickly. In an office there is interaction, on your own at home, there is not.

A daily To Do list done the night before is now vital. Too many distractions otherwise.

Go out for a coffee/tea or a walk at some point – I have made friends with all the independent businesses locally and often pop in for a chat.
Also look for support such as here in this group, where you can share your success and seek guidance.

Keep an accurate record of all expenses – they are tax deductible.
Don’t forget energy a percentage of your council tax charge.

If your profit is less than £10,000 then claim working tax credits – these apply to the self employed too.

Create a phone line for business use only – it is 100% tax deductible. My link will explain more. And of course good broadband, go fiber if your area supports it, especially if you have family too.

Check you can use your home address for correspondence purposes. If not, seek an alternative, such as MailBoxes Etc. or your accountant.

Don’t be afraid to seek help and see what grants may be available as a start up or small business.

Networking groups have already been mentioned – there are also others less formal that meet as a coffee morning and some Chambers of Commerce run lunch time events, plus offer training in skills you need.

That covers most of it and my link is here:

4.5 million British adults have less than £10 spare cash each month

One in 11 people, or 4.5 million British adults, have less than £10 a month left over once they have paid their essential bills, new research from thinkmoney has found.

With many households struggling to make ends meet, the findings from budgeting account provider thinkmoney reveal the worryingly small amounts of disposable income people have left once they’ve met all their financial commitments.

Of the 2,149 people polled, one in four said they had less than £50 a month to s…pend after bills.

Across the UK, the average monthly disposable income was £224.50. However, there was a wide gender difference with men reporting having disposable incomes averaging £272.50, almost twice as much as women (£190.20).

Young people reported having the least disposable income, with 18-24 year-olds averaging £174.20 – some 22% below the overall UK average. Almost one in three people in this age group have less than £50 a month to spend after bills.

By contrast, the wealthiest in terms of post-bills spending money are people over 65, with an average of £269.50 a month available to spend.

The amount of disposable income also varies depending on where people live. It is highest in London, at an average of £261, and the South East, at £244. People in the North East and Wales have the lowest disposable incomes, at £199 and £181 respectively.

Worryingly, one in six people questioned in Wales said they had less than £10 a month to spend after bills.

“It’s stressful not knowing if you will have enough money to pay the bills and afford added extras each month,” said Ian Williams, director of communications at thinkmoney.

If you would like to know how to create additional income streams, please visit http://www.future-biz.co.uk and click contact us to request your free money making report?

Corporate Social Responsibility – fund raising ideas

Corporate Social Responsibility

A term coined some 40 years ago, and has had a direct positive impact on many. A WiKi link appears at the foot of the article and covers both legal and social issues.

Plenty of larger organisations set up a charitable arm or foundation to deliver support and funding for the less well off. Others prefer a straight donation to their charity often selected by staff. One of the companies we work with has seen the team members select Breast Cancer and Prostate Cancer UK as their recipients this year, and will see £200,000 raised for each. Last year, Make a Wish were beneficiaries.

However, one or two businesses are now recognising that giving can be provided, whilst spending, or even saving. It becomes a win – win for everyone concerned.

The challenge faced is how to make it seamless, but rewarding at the same time.

Combyne Group support in two ways:

Firstly, we work with and support a local company that provides retraining for those out of work, or who have personal issues, and help them rebuild their confidence, and then assist with securing interviews for jobs, whilst at the same time being paid for work within a customer service centre.

It works, and works really well, since the businesses using the customer service centre, also then fulfil some of their CSR responsibilities too.

Secondly, we help charities and good causes, often those who have not-for-profit status raise funds by helping their supporters reduce their outgoings. Then sharing the commission with the good cause.

Again a win – win; the supporters get a great deal and the organisation receives a growing source of new income each month.

Presently over 2,000 organisations raise funds this way across the country.

The latest is Mu Lung Wushu Ghoon (Wooden Dragon martial arts classes).

They like many others are struggling to raise money from the usual sources, and they realised they had to take action and raise funds themselves.
Mu Lung Wushu Ghoon have registered to raise funds through the brilliant Community Fund Raiser Scheme and promote a range of award-winning services, used both by residential and business customers in the UK.
So perhaps you would like to help this good cause by taking some of the services offered here www.utilitywarehouse.org.uk/j27710 and they will then be rewarded with a slice of commission.

If you would like advice on the range of services, then a call to 0800 131 3000 and quote appeal number J27710 will be the best way forward.

Typically, 100 people supporting Mu Lung Wushu Ghoon via the above link or any other organisation will create ongoing income of £500 per month. For Mu Lung Wushu Ghoon such income will be a life saver, since presently they are unable to afford to increase the number or range of classes run and this will change their whole outlook.

Alternatively, you might run a good cause and like to benefit from this scheme?

If so, a quick message to Laurence and I can arrange a PDF, which will explain more.

Here’s the WiKi, mentioned above.

http://en.wikipedia.org/wiki/Corporate_social_responsibility

Blind Advertising versus Open Advertising

Blind Advertising versus Open Advertising.

Blind Advertising – no mention of company name
Open Advertising – company name is mentioned

I first started spending money on recruitment advertising in 1988, and that with a company called Encyclopaedia Britannica.

My budget was £100,000 per annum, so pretty decent amount to spend. I eventually moved to head office and my budget jumped to in excess of £2 million per annum.

One of the things I learnt were the benefits of both forms of advertising.

Open Adverts produced small numbers of responses, and the quality of the candidates were pretty fair. The number of responses though were just 10% of Blind Adverts.

Blind Adverts produced massive numbers of responses, and therefore our position became one of selection, sometimes self selection by putting people through training.

With lots of split testing, some 40 approved adverts of both types were approved, and they all created a ready stream of candidates.

I still split test today using various online media across different platforms and some work and some don’t. My lastest split test has so far produced seven responses in just under 10 minutes, at this rate, this is going to be one of my best tests for quite a while.

Zero Hours contracts – self employed without the benefits?

Mike Patterson of Berwins’ Solictors wrote the following and can be contacted by email at mikepatterson@berwin.co.uk

New figures released this week revealed that more than one million UK workers could be employed on zero-hours contracts, which is four times the number initially estimated.

This figure derives from a survey of 1,000 employers carried out by the Chartered Institute of Personnel and Development (CIPD) and has prompted renewed calls for the government to launch a full inquiry into the use of these contracts by employers.

A zero-hours contract is where a person is not contracted to work a set number of hours, and is only paid for the number of hours that they actually work. Used appropriately this type of contract can provide flexibility for employers and workers, and help to create more flexible working opportunities, by allowing employers to staff their workforce according to peaks and troughs in demand.

However, workers on a zero-hours contract are left without guaranteed hours, sick pay or holiday pay. Often they are only told how many hours they will work once the weekly or monthly rota has been confirmed, but are expected to be on call for extra work at short notice. As a result, workers are left vulnerable to sudden reductions in shift patterns and last minute shift cancellations at the discretion of managers, without any entitlement to pay.

Yesterday it emerged that the UK’s largest food chain, McDonald’s, is potentially the biggest zero-hours employer in the private sector with over 82,000 of its staff (90% of the workforce) on the controversial terms.

This follows the announcement that retailer Sports Direct employs around 20,000 of its 23,000 staff on zero-hours contracts, as well as Buckingham Palace which uses them for its 350 summer workers. These contracts are also popular with those employers in the care home, catering and leisure industries.

The CIPD has stressed that there needs to be a closer look on what is meant by a zero-hours contract, the different forms that they take, and clearer guidance on what good and bad practice in their use looks like.

What action the government takes in response, we will have to wait and see.

So my take on this subject is that Zero Hours contracts are self employment by the back door, but without the benefit of tax breaks. Now that is quite worrying.

Mike quotes a recent survey suggesting there are 1 million people on these deals, which rather confirms the suspicion of many that there are nearer 4 million unemployed in the UK presently

I also look at the situation slightly differently too, since many of these people may not have work of a day to day basis. That surely provides the opportunity to use that time effectively elsewhere for personal profit?

One idea could be to create new and additional income streams.

Here is one that I became involved in many years ago:

www.future-biz.co.uk

An award winning company with full training and support.
Lots of promotions and benefits too
Two car plans, plus lots, lots more.
Totally flexible hours too, so can be worked as and when you are available. Fits around Zero Hours.

Please take a look, you could be pleasantly surprised?

Are you looking for a job?

(with thanks to Mark Anastasi for sharing)

You might want to reconsider after reading this…

8 Shocking Facts, Quotes, & Stats about the Job Market.

#1:  A SHOCKING three-quarters of the world’s adults do NOT have a full-time job.

According to Gallup’s new “Payroll to Population” metric, only 27% of the world’s adults were employed full time for an employer in 2011 (the 2012 figure is likely to be lower and 2013 similar)

#2: The True US Unemployment Rate is 23.6% (36.7m Americans are Unemployed)

According to CNN, there are 86 Million “Invisible” Unemployed in America.

According to John Williams, an economist who runs ShadowStats.com, the true number of people currently out of work is at 23.6%. That’s a whopping 36.7 million Americans.

Whilst in the United Kingdom the figure is estimated to be 6.5 million, equating to 19.1%, which is more than double the claimed 2.52 million.

#3: “The middle class is dead. Most jobs that existed 20 years ago aren’t needed now…”

James Altucher wrote recently: “The middle class is dead. A few weeks ago I visited a friend of mine who manages a trillion dollars for one family. No joke. A trillion.

He said: “Look out the window. All the cubicles are empty. The middle class is being hollowed out. […] It’s all outsourced or technology has taken over for the paper shufflers.”

“You’ve been replaced. Technology, outsourcing, a growing temp staffing industry, productivity efficiencies, have all replaced the middle class.

Most jobs that existed 20 years ago aren’t needed now.”

#4: Technology and the Web are destroying far more jobs than they create.

“Over the past 15 years, the global economy has experienced structural changes to a degree not seen in nearly 150 years.

Put simply, the Industrial Revolution of the 1800s has given way to a post-industrial economy.

In this post-industrial economy, technology has now evolved to the point where it destroys more jobs than it creates.”

Source: http://www.zerohedge.com/news/labor-day-2012-future-work

#5: We are returning to Depression Era unemployment

Between 1929 and 1933, U.S. GDP fell around 30%, and the stock market lost almost 90% of its value.

In 1929, the unemployment rate averaged 3%. In 1933, 25% of all workers and 37% of all non-farm workers were unemployed.

#6: “The job-for-life generation told us that if we worked hard we’d end up with a great retirement.”

“If we stuck at that soul-sapping job, when we were 60 we could live fabulously, travel and have a whale of a time (assuming you make it that far).

Wait a minute… would those be with those same retirement plans that went down the tube in the crash of 2008? Where thousands upon thousands of regular people who had worked their whole life for the dream at the end were left stranded?”

That career-cage deal isn’t looking so hot now.” ―  Marianne Cantwell, ‘How To Become a Free-Range Human’

#7: “Workers over 50 are the new ‘unemployables'”  http://money.cnn.com/2013/02/26/news/economy/over-50-unemployables/index.html

#8: “Young people in bankrupt western nations […] society is going to force-feed you a rubbish sandwich. Higher taxes, more debt, fewer prospects, and a much lower standard of living await you.”

“University graduates are forced into lowly jobs such as cleaning lavatories. Youth unemployment in the Euro area stood at 22.6% in July. In Spain it rose to 52.9%.” ― Source: The Evening Standard, 20 September 2012

So, what is the solution? –> Think like an entrepreneur. Add more value.

Simon Black says: “The average Korean works 1,000 hours per year more than the average German. Here in Thailand, people who don’t have a job simply create one for themselves– selling fruit on the streets, fixing flat tires, whatever they can do to trade their skills and labor for income.”

Finally, I want to leave you with this quote from Robert Kiyosaki’s book ‘Rich Dad, Poor Dad’…

“Most people work very hard, for little money, clinging to the illusion of job security, looking forward to 3-week vacation each year and a skimpy pension after 45 years of work.

If that excites you, go for it. […] Most people never see the trap they are in. Every morning, they get up, they get ready, and hurry out to work. Do they look happy to you?

Why do they do it? Because everybody else is. […] Every day they wake up with this fear gnawing at their soul. They rush off to work, hoping that a pay cheque will kill the fear.

Money is running their lives, and they refuse to tell the truth about it…”

So if you recognise this and are based in the United Kingdom, it is worth exploring this business and creating your own future and control your cheque:

http://www.future-biz.co.uk

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