<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss'><id>tag:blogger.com,1999:blog-477703988782157248</id><updated>2009-08-21T01:22:29.497-07:00</updated><title type='text'>Utility Warehouse | Telecom Plus |</title><subtitle type='html'>Call Juswant on 07917 105134 or e-mail on juswant.rai@gmail.com

Be part of that rare 5% who take action now!</subtitle><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><link rel='next' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default?start-index=26&amp;max-results=25'/><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://www.juswantrai.com/atom.xml'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>153</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-463480557587023911</id><published>2009-08-21T01:21:00.000-07:00</published><updated>2009-08-21T01:22:29.514-07:00</updated><title type='text'>Let's Go MAD!</title><content type='html'>&lt;p&gt;&lt;img alt="MAD image" src="http://www.telecomplus.co.uk/extranet/mad.jpg" align="right" /&gt;&lt;/p&gt; &lt;ul&gt;&lt;li&gt;We've just been awarded Which? Best Buy for all of our broadband products!&lt;/li&gt;&lt;li&gt;We've grown massively - to more than 300,000 customers. Fantastic customer-gathering!&lt;/li&gt;&lt;li&gt;There are record numbers of people coming to COPs all across the country!  &lt;/li&gt;&lt;li&gt;Distributor recruitment is on a huge high!&lt;/li&gt;&lt;li&gt;It's been Win A Mini mania at Focus DIY all month! &lt;/li&gt;&lt;li&gt;We're in the middle of a share option promotion - so all your activity counts!&lt;/li&gt;&lt;/ul&gt; &lt;p&gt;&lt;span&gt;These are crazy times...  so let's all go to MAD!&lt;/span&gt;&lt;/p&gt; September is coming fast, and bringing with it a day you MUST NOT MISS! Massive Action Day - MAD - on 12th September in Southport, and again on 13th September in Cheltenham (remember - you only need to go to one!).&lt;br /&gt;&lt;br /&gt;MAD is all about motivation, education, recognition and inspiration for you and your teams... and places are filling up!&lt;br /&gt;&lt;br /&gt;Remember - last year, MAD was completely sold out 14 days before the event.&lt;br /&gt;&lt;br /&gt;There are only 23 days until this year's MAD.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p  style="font-family:arial;"&gt;&lt;span style="color: rgb(102, 0, 204);font-size:100%;" name="KonaFilter" &gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-463480557587023911?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/463480557587023911'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/463480557587023911'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/08/lets-go-mad.html' title='Let&apos;s Go MAD!'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-3157246549032571457</id><published>2009-08-11T06:05:00.000-07:00</published><updated>2009-08-11T06:07:42.859-07:00</updated><title type='text'>Not one of the herd???</title><content type='html'>Here’s what we are looking for:&lt;br /&gt;&lt;br /&gt;1-Are you positive?&lt;br /&gt;&lt;br /&gt;2-Do you have a vision for your life?&lt;br /&gt;&lt;br /&gt;3-Are you resilient? Can you pick yourself up and get going again when things change or don’t go your way?&lt;br /&gt;&lt;br /&gt;4-Do you have the potential for and the desire for growth? To be more, do more and have more?&lt;br /&gt;&lt;br /&gt;5-Are you loyal? Or will you give up and quit at the first adversity or hop from company to company always looking for the bigger and better deal?&lt;br /&gt;&lt;br /&gt;6-Do you possess integrity? Do you say what you mean and do what you say?&lt;br /&gt;&lt;br /&gt;7-Do you have follow-up and follow-through?&lt;br /&gt;&lt;br /&gt;8-Are you a team player? Or do you have to have your way and be in the limelight constantly?&lt;br /&gt;&lt;br /&gt;9-Do you have discipline to do what needs to be done even when your initial excitement wears off?&lt;br /&gt;&lt;br /&gt;10-Are you self-energized?&lt;br /&gt;&lt;br /&gt;11-Are you self-motivated and self-initiated in your goals?&lt;br /&gt;&lt;br /&gt;12-Do you have an attitude of gratitude?&lt;br /&gt;&lt;br /&gt;13-Are you teachable?&lt;br /&gt;&lt;br /&gt;14-Do you have a work ethic?&lt;br /&gt;&lt;br /&gt;15-Will you take 100% responsibility for your results?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;NOTE:&lt;br /&gt;We are not looking for followers…..that only creates a crowd. We are looking for leaders and together we will create a MOVEMENT!&lt;br /&gt;&lt;br /&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="color: rgb(102, 0, 204);font-size:100%;" name="KonaFilter" &gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-3157246549032571457?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3157246549032571457'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3157246549032571457'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/08/not-one-of-herd.html' title='Not one of the herd???'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-1114624668237493077</id><published>2009-08-08T04:18:00.000-07:00</published><updated>2009-08-08T04:23:23.873-07:00</updated><title type='text'>Retire at 70?</title><content type='html'>The state pension retirement age could be increased further, the UK's pensions regulator has told the BBC.&lt;br /&gt;&lt;br /&gt;David Norgrove said rising life expectancy meant millions of people would "undoubtedly" have to wait longer in future to draw a state pension.&lt;br /&gt;&lt;br /&gt;People will not save as much for retirement as in the past, with many people "frightened" to do so, he said.&lt;br /&gt;&lt;br /&gt;The state pension age is due to rise to 68, and Pensions Minister Angela Eagle said there were no plans to raise that.&lt;br /&gt;&lt;br /&gt;Government debt&lt;br /&gt;&lt;br /&gt;Currently, the state pension age is 60 for women and 65 for men, but four years ago Lord Turner published a report calling for it to rise to 68 for everyone by 2044.&lt;br /&gt;&lt;br /&gt;But Mr Norgrove said he thought it would end up higher.&lt;br /&gt;&lt;br /&gt;Mr Norgrove said: "People are going to have to work longer, partly because we're not going, as a nation, to save as much for retirement as we did in the past."&lt;br /&gt; &lt;br /&gt;STATE PENSIONS&lt;br /&gt;Currently, pensionable age is 60 for women, 65 for men&lt;br /&gt;For both sexes, that will rise to 66 in 2024, to 67 in 2034 and to 68 in 2044&lt;br /&gt;The time it takes to qualify for a full basic state pension will be cut to 30 years&lt;br /&gt;From 2012, people will be automatically enrolled in a low-cost, opt-out national savings scheme&lt;br /&gt;&lt;br /&gt;He added: "The government's recent legislation is increasing the state retirement age progressively to 68. I think it will end up higher than that."&lt;br /&gt;&lt;br /&gt;He said the ability of the current working generation to pay for the retirement of its predecessor would be "a real issue for the next 30 years", not least because of a lack of knowledge among the public about how to save.&lt;br /&gt;&lt;br /&gt;"The evidence is that people generally are frightened of saving for pensions," he said.&lt;br /&gt;&lt;br /&gt;"They think that pensions are very complicated. Actually, pensions in many ways are quite simple. Once you've made the initial decision you can let it run."&lt;br /&gt;&lt;br /&gt;With life expectancy rising each year, many people argue that the government simply cannot afford to maintain state benefits at their current levels.&lt;br /&gt;&lt;br /&gt;Any potential shortfall has come sharply into focus following the massive increase in government debt amid the financial crisis, during which it has spent billions of pounds trying to boost the UK economy.&lt;br /&gt;&lt;br /&gt;HAVE YOUR SAY&lt;br /&gt;&lt;br /&gt;    Money has got to be found to pay pensions as life expectancy increases. So either we have to pay more tax or the pension age has to increase&lt;br /&gt;&lt;br /&gt;Paul Goddard&lt;br /&gt;Send us your comments&lt;br /&gt;&lt;br /&gt;However, Ms Eagle said there was "no point" raising the state retirement age beyond 68.&lt;br /&gt;&lt;br /&gt;She told the BBC: "We believe that we've covered the predictions of increased life expectancy adequately in the legislation and unless these statistics change we'll have periodic reviews, but it won't happen for another generation.&lt;br /&gt;&lt;br /&gt;"I think it's important that people can predict accurately when the retirement age is if we're trying to persuade them to save into pensions, and that's what we're trying to do. So there is certainty there."&lt;br /&gt;&lt;br /&gt;Patrick South from the charity Age Concern and Help the Aged welcomed the government's response, arguing there were better ways to enable older people to continue working.&lt;br /&gt;&lt;br /&gt;"Any increase in the state pension age would affect the poorest people disproportionately," Mr South said.&lt;br /&gt;&lt;br /&gt;"Far better to focus on the barriers that currently prevent people working past 65, and chief among those is the default retirement age which enables employers to compulsorily retire people when they reach the age of sixty five."&lt;br /&gt;&lt;br /&gt;Plummet in value&lt;br /&gt;&lt;br /&gt;Experts say people will have to rely far more on company and private pensions arrangements in the future.&lt;br /&gt;&lt;br /&gt;As part of his pensions review, Lord Turner called for employees to be enrolled automatically in their company's pension scheme to encourage more people to save for their retirement.&lt;br /&gt;&lt;br /&gt;However, Mr Norgrove warned that generous company pension schemes, such as final salary arrangements, were in "long-term decline", partly because government rules had made them too expensive for businesses to run.&lt;br /&gt;&lt;br /&gt;But he said: "I think there's a good chance that we'll see a core of companies continuing to offer final salary schemes, particularly big companies."&lt;br /&gt;&lt;br /&gt;Earlier this week, figures from consultant Lane Clarke &amp; Peacock showed that Britain's leading companies have seen their pension schemes plummet in value over the past year.&lt;br /&gt;&lt;br /&gt;It said firms listed in the FTSE 100 index now had a combined deficit of £96bn, the largest on record.&lt;br /&gt; &lt;br /&gt;The good thing about pension schemes is that, by and large, they're a very slow matter&lt;br /&gt;David Norgrove&lt;br /&gt;&lt;br /&gt;This compared with a £41bn deficit in mid-July 2008 and a surplus of £12bn in the same month of 2007.&lt;br /&gt;&lt;br /&gt;Just as the government may struggle to keep paying state pensions, some companies already say they can no longer afford to pay out.&lt;br /&gt;&lt;br /&gt;Earlier this month American Express announced that it had suspended pension contributions for all its UK employees for the next 18 months, saying payments had become unaffordable.&lt;br /&gt;&lt;br /&gt;But Mr Norgrove said he expected the impact of the economic downturn on the majority of pension schemes to be "manageable".&lt;br /&gt;&lt;br /&gt;"Inevitably, in a serious recession, we're going to see more companies going insolvent, but I don't think at the moment we see this as a crisis," he said.&lt;br /&gt;&lt;br /&gt;"The good thing about pension schemes is that, by and large, they're a very slow matter. This isn't like the banking system that can collapse overnight.&lt;br /&gt;&lt;br /&gt;"Generally speaking, if the sponsoring company stays in business there's time to work this out."&lt;br /&gt;&lt;br /&gt;The full interview with David Norgrove can be seen on Leading Questions with Robert Peston on the BBC News channel at 2230 BST on Saturday.&lt;br /&gt;&lt;br /&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;br /&gt;&lt;br /&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;br /&gt;&lt;br /&gt;&lt;a href="http://www.thefutureispurple.com"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-1114624668237493077?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/1114624668237493077'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/1114624668237493077'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/08/state-pension-retirement-age-could-be.html' title='Retire at 70?'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-189498616820485186</id><published>2009-07-06T02:43:00.000-07:00</published><updated>2009-07-06T02:45:47.226-07:00</updated><title type='text'>FSA boss: state pension age should rise to 70</title><content type='html'>The state pension age should increase to 70, according to the chairman of the City regulator and author of the report that paved the way for the reform of the current pensions system, Lord Adair Turner.&lt;br /&gt; &lt;br /&gt;Turner, who penned a key report on pensions reform in 2005 before he became chairman of the Financial Services Authority, said his proposals – much of which became enshrined in law - ‘should have been more radical’.&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight:bold;"&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;br /&gt;&lt;br /&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;br /&gt;&lt;br /&gt;http://www.thefutureispurple.com&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-189498616820485186?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/189498616820485186'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/189498616820485186'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/07/fsa-boss-state-pension-age-should-rise.html' title='FSA boss: state pension age should rise to 70'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-3511618294997172289</id><published>2009-07-05T06:40:00.001-07:00</published><updated>2009-07-05T06:45:49.800-07:00</updated><title type='text'>4 UK Home Based / Network Marketing Opportunites</title><content type='html'>Network marketing offers an excellent way of generating income from a home based business. Either as a part-time or full-time income, with very few overheads, no complicated staffing issues and, best of all, you can choose your own hours to suit your lifestyle.&lt;br /&gt;&lt;br /&gt;But choosing the right network marketing company for You can be a little hit and miss. It is important that you do your homework because, if you don't feel entirely comfortable with either the company, the product or the service, then you are unlikely to be able to offer them to your friends, family, neighbours and colleagues.&lt;br /&gt;&lt;br /&gt;Here are just 4 of the better-known network marketing opportunities on offer for the home based entrepreneur.&lt;br /&gt;&lt;br /&gt;1. Avon - Avon Cosmetics has its headquarters in the USA and was originally founded in the 1880's. Their products are marketed in over 100 countries, and is sold by over 5 million independent distributors. Marketed as 'the' company for women it seems to be marketed mostly by women; generally from brochures of womens (and some mens) cosmetics. Practically every household in Britain will have heard of this brand name, and it has recently been given extra exposure through tv advertising in the UK.&lt;br /&gt;&lt;br /&gt;2. &lt;a href="http://www.thefutureispurple.com"&gt;Telecom Plus&lt;/a&gt; - Operating under the brand name Utility Warehouse this British FTSE Top 250 company, was founded in 1996 and is headed by Charles Wigoder, who made a huge success as founder of Peoples Phone with a turnover of over £200m before selling to Vodafone in 1997. Named Company of the Year 2009 and with a string of Which? Best Buy and consumer awards, the company supplies over 300,000 customers with their gas, electricity, fixed telephony, mobile telephony and broadband. In addition, they offer an innovative 5% cashback card and all charges are on one bill. Already gathering momentum, this UK only company does not advertise on television, offers unlimited free training to its distrubutors and provides distributors with their own free utility warehouse website. &lt;a href="http://www.thefutureispurple.com"&gt;http://www.thefutureispurple.com&lt;br /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;3. Betterware - A successful UK home shopping company, selling to customers in the UK &amp; Ireland, mainland Europe, Channel Islands, Gibraltar, Malta, Cyprus &amp; Central America. Known initially for its extensive homeware and housecare cleaning products, the range has grown over the years to include gifts, personal care and beauty as well as outdoor products. Works in a similar way to Avon, with distributors providing a brochure and taking orders. There is no television advertising and customers can order products either through their network of distributors, territory sales agents, by post, over the phone or online from the company.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;4. Herbalife - Founded in 1980 by Los-Angeles based Mark Hughes (died 21.5.00 aged 44) it is one of the world's largest distributors of herbal wellness products in over 70 countries with more than 1.9 million distributors. Its headquarters are in Los Angeles. Like &lt;a href="http://www.thefutureispurple.com"&gt;Telecom Plus&lt;/a&gt; and Betterware, there is no television advertising. A distributor earns profits by buying Herbalife products at wholesale and reselling them at retail.&lt;br /&gt;&lt;br /&gt;Anyone can make a financial difference to their lives by becoming an independent distributor for a network marketing company, but few people realise that it will only happen with commitment and a genuine desire to succeed. Companies that offer overnight success are often scams but many, including the companies above, are legitimate work from home network marketing opportunities. Get it right at the outset, and be prepared to put in some time and effort, and you will reap the rewards, whether you only want to make enough money to pay the mortgage each month or whether you want to retire early with a residual income for life.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;br /&gt;&lt;br /&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;br /&gt;&lt;a href=" http://www.thefutureispurple.com"&gt;&lt;br /&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-3511618294997172289?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3511618294997172289'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3511618294997172289'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/07/4-uk-home-based-network-marketing.html' title='4 UK Home Based / Network Marketing Opportunites'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-3209241812664707385</id><published>2009-06-21T01:25:00.000-07:00</published><updated>2009-06-21T01:28:27.083-07:00</updated><title type='text'>A First Time Buyer</title><content type='html'>The average income across the UK is just £24,000 gross! That’s £1,500 a month net!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;The average rent is £830 p/month after food, petrol, insurance, utilities etc that leaves nothing to save!!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;Let’s assume they were able to save £200 a month!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;The average house price is £157,000, the average deposit required is 25%&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;That means it would take a young person 17 years to save the £40,000 deposit required&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;It also means that with a current mortgage multiplier off 3.5 salary they would still be short £33,000!!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;Which means the average young person will still be living with their parents at the age of 35!!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;If the parents joined and made £200 a month with Telecom Plus / Utility Warehouse they could get rid of their kids in half the time!!!!!&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;Now that’s something to think about!!!&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight:bold;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-3209241812664707385?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3209241812664707385'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/3209241812664707385'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/06/first-time-buyer.html' title='A First Time Buyer'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-1420158027327818514</id><published>2009-06-19T14:41:00.000-07:00</published><updated>2009-06-19T14:47:03.207-07:00</updated><title type='text'>Mental Feng Shui</title><content type='html'>ONE. Give people more than they expect and do it cheerfully. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TWO. Marry a man/woman you love to talk to. As you get older, t heir conversational skills will be as important as any other. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;THREE. Don't believe all you hear, spend all you have or sleep all you want. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;FOUR. When you say, 'I love you,' mean it. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;FIVE. When you say, 'I'm sorry,' look the person in the eye. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;SIX. Be engaged at least six months before you get married. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;SEVEN. Believe in love at first sight. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;EIGHT. Never laugh at anyone's dreams. People who don't have dreams don't have much. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;NINE. Love deeply and passionately. You might get hurt but it's the only way to live life completely. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TEN.. In disagreements, fight fairly. No name calling. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;ELEVEN. Don't judge people by their relatives. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TWELVE. Talk slowly but think quickly. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;THIRTEEN! .. When someone asks you a question you don't want to answer, smile and ask, 'Why do you want to know?' &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;FOURTEEN. Remember that great love and great achievements involve great risk. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;FIFTEEN. Say 'bless you' when you hear someone sneeze. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;SIXTEEN. When you lose, don't lose the lesson.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;SEVENTEEN. Remember the three R's: Respect for self; Respect for others; and Responsibility for all your actions. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;EIGHTEEN. Don't let a little dispute injure a great friendship. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;NINETEEN. W hen you realize you've made a mistake, take immediate steps to correct it.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TWENTY. Smile when picking up the phone. The caller will hear it in your voice. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TWENTY- ONE. ;Spend some time alone. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight:bold;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-1420158027327818514?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/1420158027327818514'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/1420158027327818514'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/06/mental-feng-shui.html' title='Mental Feng Shui'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-4328645203046310403</id><published>2009-06-15T03:43:00.000-07:00</published><updated>2009-06-15T03:47:24.751-07:00</updated><title type='text'>You Do Matter Lots ....</title><content type='html'>When you love the work you do and the people you do it with, you matter.&lt;br /&gt;&lt;br /&gt;When you are so gracious and generous and aware that you think of other people before yourself, you matter.&lt;br /&gt;&lt;br /&gt;When you leave the world a better place than you found it, you matter.&lt;br /&gt;&lt;br /&gt;When you continue to raise the bar on what you do and how you do it, you matter.&lt;br /&gt;&lt;br /&gt;When you teach and forgive and teach more before you rush to judge and demean, you matter.&lt;br /&gt;&lt;br /&gt;When you touch the people in your life through your actions (and your words), you matter.&lt;br /&gt;&lt;br /&gt;When kids grow up wanting to be you, you matter.&lt;br /&gt;&lt;br /&gt;When you see the world as it is, but insist on making it more like it could be, you matter.&lt;br /&gt;&lt;br /&gt;When you inspire a Nobel prize winner or a slum dweller, you matter.&lt;br /&gt;&lt;br /&gt;When the room brightens when you walk in, you matter.&lt;br /&gt;&lt;br /&gt;And when the legacy you leave behind lasts for hours, days or a lifetime, you matter.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight:bold;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-4328645203046310403?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4328645203046310403'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4328645203046310403'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/06/you-do-matter-lots.html' title='You Do Matter Lots ....'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-2254082981912295677</id><published>2009-06-02T13:46:00.000-07:00</published><updated>2009-06-02T13:48:13.220-07:00</updated><title type='text'>Tomorrow is often the busiest day of the week - why?</title><content type='html'>Because we are all human and the path of least resistance is often the easier route to take.   "&lt;br /&gt;&lt;br /&gt;Procrastination is the thief of time" - Edward Young  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;You're going to call a friend to see if they'll agree to meet up to discuss their utilities;   4.30 p.m&lt;br /&gt;&lt;br /&gt;"They won't be home from work yet. I'll phone a bit later". 5.30 p.m&lt;br /&gt;&lt;br /&gt;"They'll be giving the kids their tea. I'll phone a bit later". 6.30 p.m&lt;br /&gt;&lt;br /&gt;"They'll be having their own supper. I'll phone a bit later". 7.30 p.m&lt;br /&gt;&lt;br /&gt;"Eastenders is about to start. I'll phone a bit later". 8.30 p.m&lt;br /&gt;&lt;br /&gt;"I'll just do the washing up then I'll phone them a bit later". 9.00 p.m&lt;br /&gt;&lt;br /&gt;"It's a bit late to phone someone now - I'll do it tomorrow".............  &lt;br /&gt;&lt;br /&gt;"To think too long about doing a thing often becomes its undoing" - Eva Young  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;We know how important it is to be organised, to have lists of people to contact, of jobs to do. But don't forget, your lists are a means to an end, not  an end in themselves.&lt;br /&gt;&lt;br /&gt;Endlessly re-writing a list cannot compare with just doing some of the tasks on it. (That's a good tip - I think I'll just add it to my list...........).  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;"If you want to make an easy job seem mighty hard, just keep putting off doing it" - Olin Miller  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The longer you leave it, the more daunting it becomes - and the more foolish you feel when you eventually get around to it and then think "Well, what was so bad about THAT?!"  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;"Someday is not a day of the week" - Author Unknown  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;I know its important to set out my goals, my targets, my dreams as this will go a long way to helping me achieve them - so I'll do it.......... someday. No - do it NOW!!  &lt;br /&gt;&lt;br /&gt;"There are a million ways to lose a work day but not a single way to get one back" - Tom DeMarco  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Make the most of every single day - especially with the current Share Option promotion going on!!   "A year from now you may wish you had started today" - Karen Lamb &lt;br /&gt;&lt;br /&gt;&lt;br /&gt; As true for Utility Warehouse/Telecom Plus as it is for Life!   Have fun and NEVER give up!&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="font-size: 100%;"&gt;&lt;span style="font-size: 85%;"&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-size:78%;"&gt;&lt;span style="font-family: arial;"&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on &lt;span isdynflag="1" info="Call +447917105134;6;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_l.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_l.gif" style="height: 11px; width: 7px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img style="padding: 0px 1px 1px 0px; width: 16px; top: 0px; left: 0px;" src="chrome://skype_ff_toolbar_win/content/famfamfam/gb.gif" title="" class="skype_tb_img_flag" name="skype_tb_img_f6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/arrow.gif" title="" class="skype_tb_img_arrow" name="skype_tb_img_a6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;07917 105134&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_r.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_right_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_r.gif" style="height: 11px; width: 19px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt; or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-2254082981912295677?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2254082981912295677'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2254082981912295677'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/06/tomorrow-is-often-busiest-day-of-week.html' title='Tomorrow is often the busiest day of the week - why?'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-7504509428930746976</id><published>2009-05-30T04:00:00.000-07:00</published><updated>2009-05-30T04:04:39.200-07:00</updated><title type='text'>If you start with 1 penny and double your money every day how much will you have in 30 days?</title><content type='html'>Many people given a choice would choose £1,000,000 rather than taking the better option of a penny doubling every day for 30 days?&lt;br /&gt;&lt;br /&gt;Do you know the difference?&lt;br /&gt;&lt;br /&gt;Day 1 .01&lt;br /&gt;Day 2 .02&lt;br /&gt;Day 3 .04&lt;br /&gt;Day 4 .08&lt;br /&gt;Day 5 .16&lt;br /&gt;Day 6 .32&lt;br /&gt;Day 7 .64&lt;br /&gt;Day 8 1.28&lt;br /&gt;Day 9 2.56&lt;br /&gt;Day 10 5.12&lt;br /&gt;Day 11 10.24&lt;br /&gt;Day 12 20.48&lt;br /&gt;Day 13 40.96&lt;br /&gt;Day 14 81.92&lt;br /&gt;Day 15 163.84&lt;br /&gt;Day 16 327.68&lt;br /&gt;Day 17 655.36&lt;br /&gt;Day 18 1,310.72&lt;br /&gt;Day 19 2,621.44&lt;br /&gt;Day 20 5,242.88&lt;br /&gt;Day 21 10,485.76&lt;br /&gt;Day 22 20,971.52&lt;br /&gt;Day 23 41,943.04&lt;br /&gt;Day 24 83,886.08&lt;br /&gt;Day 25 167,772.16&lt;br /&gt;Day 26 335,544.32&lt;br /&gt;Day 27 671,088.64&lt;br /&gt;Day 28 1,342,177.28&lt;br /&gt;Day 29 2,684,354.56&lt;br /&gt;Day 30 &lt;span style="font-weight: bold; color: rgb(102, 0, 204);"&gt;£5,368,709.12&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;This business will give you that and more if you are serious and I mean serious about your future!&lt;br /&gt;&lt;p&gt;&lt;span style="font-size:100%;"&gt;&lt;span style="font-size: 85%;"&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-family: arial;"&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on &lt;span isdynflag="1" info="Call +447917105134;6;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_l.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_l.gif" style="height: 11px; width: 7px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img style="padding: 0px 1px 1px 0px; width: 16px; top: 0px; left: 1px;" src="chrome://skype_ff_toolbar_win/content/famfamfam/gb.gif" title="" class="skype_tb_img_flag" name="skype_tb_img_f6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/arrow.gif" title="" class="skype_tb_img_arrow" name="skype_tb_img_a6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;07917 105134&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_r.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_right_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_r.gif" style="height: 11px; width: 19px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt; or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-7504509428930746976?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7504509428930746976'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7504509428930746976'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/05/if-you-start-with-1-penny-and-double.html' title='If you start with 1 penny and double your money every day how much will you have in 30 days?'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-649758535671747652</id><published>2009-05-25T08:50:00.000-07:00</published><updated>2009-05-25T08:54:20.202-07:00</updated><title type='text'>Mortgage Intelligence has become an authorised distributor of the Utility Warehouse Discount Club.</title><content type='html'>The Utility Warehouse Discount Club offers discounts across a range of utilities including phone bills, mobile tariffs, gas, electricity and broadband.&lt;p&gt;Appointed representatives and directly authorised members can become authorised distributors via Mortgage Intelligence.&lt;/p&gt;&lt;p&gt;By becoming a distributor brokers will be able to earn an upfront commission for each customer they sign up.&lt;/p&gt;&lt;p&gt;Brokers will also be paid a residual income each month from their customers’ bills, and will be given training to help them boost income.&lt;/p&gt;&lt;p&gt;Mortgage Intelligence will also provide a broker support desk.&lt;/p&gt;&lt;p&gt;Sally Laker, managing director of Mortgage Intelligence, says: “The Utility Warehouse Discount Club presents a new income stream for members and fits amongst the range of services brokers currently provide.”&lt;/p&gt;&lt;p&gt;“This is a long-term strategic relationship which I feel will deliver significant benefits for Mortgage Intelligence members and their clients.”&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;span style="font-size:85%;"&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-family:arial;"&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size:130%;"&gt;If want to be in control of your future call Juswant Rai right now on &lt;span isdynflag="1" info="Call +447917105134;6;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_l.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_l.gif" style="height: 11px; width: 7px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img style="padding: 0px 1px 1px 0px; width: 16px; top: 0px; left: 0px;" src="chrome://skype_ff_toolbar_win/content/famfamfam/gb.gif" title="" class="skype_tb_img_flag" name="skype_tb_img_f6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/arrow.gif" title="" class="skype_tb_img_arrow" name="skype_tb_img_a6" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);" class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" height="1" width="1" /&gt;07917 105134&lt;/span&gt;&lt;span style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_r.gif);" class="skype_tb_injection_left_img" id="__skype_highlight_id_right_adge"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/cb_transparent_r.gif" style="height: 11px; width: 19px;" class="skype_tb_img_adge" height="11" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt; or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-649758535671747652?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/649758535671747652'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/649758535671747652'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/05/mortgage-intelligence-has-become.html' title='Mortgage Intelligence has become an authorised distributor of the Utility Warehouse Discount Club.'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-7563362932787566697</id><published>2009-05-20T13:27:00.000-07:00</published><updated>2009-05-20T13:29:57.157-07:00</updated><title type='text'>Telecom plus PLC : Final Results for the year ended 31 March 2009</title><content type='html'>Telecom plus PLC, the UK's leading low-cost multi-utility supplier (gas, electricity, telephony and broadband), announces final results for the year ended 31 March 2009.&lt;br /&gt;&lt;br /&gt;Financial Highlights:&lt;br /&gt;&lt;br /&gt;·       Turnover up 49% to £278.3m (2008: £186.5m)&lt;br /&gt;·       Profit before tax up 34% to £22.5m (2008: £16.8m)&lt;br /&gt;·       Year-end net cash balance of £25.4m (2008: £30.3m)&lt;br /&gt;·       EPS up 37% to 24.2p (2008: 17.7p)&lt;br /&gt;·       Final dividend of 12.5p per share (2008: 10p) making a total for the year of 17.5p per share (2008: 14p); this represents an increase in the total payment of 25% compared with last year.&lt;br /&gt;&lt;br /&gt;Operating Highlights:&lt;br /&gt;&lt;br /&gt;·       Accelerating organic growth&lt;br /&gt;·       Customer base now exceeds 281,000 (2008: 217,857)&lt;br /&gt;·       34% increase in the number of services being supplied&lt;br /&gt;·       Business Club has grown by 69% to 16,163 members (2008: 9,537)&lt;br /&gt;·       Over 27,000 distributors at year end (2008: 19,600)&lt;br /&gt;·       Successful launch of new CashBack card&lt;br /&gt;·       New office headquarters - first phase refurbishment complete&lt;br /&gt;&lt;br /&gt;Extract from the Chairman's Statement:&lt;br /&gt;&lt;br /&gt;"We are still the UK's only fully integrated multi-utility provider, offering customers consistent value across a wide range of services with the added convenience of receiving just a single clear and concise bill each month. Our distribution channel has demonstrated its continuing ability to gather high quality new customers, cost-effectively and in increasing volumes; this gives us a considerable competitive advantage in the residential market."&lt;br /&gt;&lt;br /&gt;"The confidence we expressed last year in the ability of our business to deliver strong results has been vindicated. I am delighted to report on a further year of significant achievement for the Company in which we have seen strong growth in turnover, profitability and earnings per share. We are recommending a final dividend of 12.5p; this makes a total dividend of 17.5p (2008:14p) representing an increase of 25% over last year."&lt;br /&gt;&lt;br /&gt;"It remains our intention to pay a total dividend of 22p for the current year, in the absence of unforeseen circumstances. This reflects our confidence in a continuation of the current rapid growth we are seeing in both new services and new customers, which can be expected to provide the Company with a platform from which to deliver significantly higher profits in future years."&lt;br /&gt;&lt;br /&gt;There will be a meeting for analysts at Smithfield's offices at 09.30 am today.&lt;br /&gt;&lt;br /&gt;For more information please contact:&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Telecom plus PLC&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Charles Wigoder, Chief Executive&lt;br /&gt;020 8955 5000&lt;br /&gt;&lt;br /&gt;Chris Houghton, Finance Director&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Andrew Lindsay, Chief Operating Officer&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;KBC Peel Hunt&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Richard Kauffer&lt;br /&gt;020 7418 8900&lt;br /&gt;&lt;br /&gt;Nicholas Marren&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Smithfield&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Tania Wild / Reg Hoare&lt;br /&gt;020 7360 4900&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;  Chairman's Statement&lt;br /&gt;&lt;br /&gt;I am delighted to report a further year of significant achievement for the Company, in which we have seen strong growth in turnover, profitability and earnings per share.&lt;br /&gt;&lt;br /&gt;Results&lt;br /&gt;&lt;br /&gt;Pre-tax profits increased by 34% to £22.5m (2008: £16.8m) on group turnover up by 49% to £278.3m (2008: £186.5m). This strong financial performance has been driven by the rapid growth in the number of customers using our services during the course of the year. Gross margins during the year fell from 19.3% to 18.6%, in line with management expectations, primarily reflecting the higher proportion of our business now represented by supplying gas and electricity, where the margins are considerably lower than from selling telephony and broadband services.&lt;br /&gt;&lt;br /&gt;Earnings per share increased by 37% during the year to 24.2p (2008:17.7p) and we are recommending a final dividend of 12.5p. This makes a total dividend of 17.5p (2008:14.0p), representing an increase of 25% over last year.&lt;br /&gt;&lt;br /&gt;The rate at which new customers have been signing up to become members of the Utility Warehouse Discount Club has been gathering pace steadily throughout the year. This has been driven by a combination of record numbers of new distributors joining the business (almost 4,000 in the last quarter alone), growing confidence in the value of our services and the quality of customer service we provide, and an economic climate in which potential customers are increasingly looking for credible ways to reduce their costs. Residential Club membership increased by over 40% during the year to 222,705 (2008: 158,972) and our Business Club membership grew by almost 70% during the year to 16,163 (2008: 9,537); together, these clubs (trading under the Utility Warehouse brand) now account for 85% (2008: 77%) of our total customer base.&lt;br /&gt;&lt;br /&gt;We are particularly encouraged by the accelerating rate of growth in the number of services we are providing, which reached 794,118 (2008: 591,981) by the year end - an increase of more than 202,000 services during the year. Of this total, 69,692 were added during the last quarter of the year, representing an annualised growth rate of over 38%.&lt;br /&gt;&lt;br /&gt;We continue to invest significant resources in improving our UK-based customer service team, the effectiveness of which is clearly demonstrated by the various awards we received from Which? magazine over the course of the year. Churn has increased slightly from around 1.8% per month to 2% per month largely due to the faster organic growth we have been experiencing, and average spend per customer has grown to £1,057 (2008:£872).&lt;br /&gt;&lt;br /&gt;Oxford Power Holdings ("Opus"), in which we maintain a 20% stake, continues to produce satisfactory results. Our share of their profits was fractionally lower than last year at £0.89m (2008: £0.94m) in what proved to be a very difficult year for other independent resellers of commercial electricity, which saw their two principal competitors (Bizz Energy and E4B) both going into administration. Opus's solid performance demonstrates the resilience of their business model and the strength and experience of their management team. International Power Holdings PLC, which currently own a 30% stake in the business (the remaining 50% is held by management), has a call option under which it can acquire the remaining 70%. This option is exercisable during a 30 day window beginning on the date that Opus completes its audit for the year to 31 March 2009, which is expected to occur shortly. The formula under which this option can be exercised places a value of approximately £15m on our stake in this business.&lt;br /&gt;&lt;br /&gt;Year-end net cash balances fell by £4.9m to £25.4m (2008: £30.3m). This reduction reflects the significant growth in our energy business and the impact of an extremely cold winter which, combined with higher retail energy prices, has increased budget plan debtors by £14.1m to £23.2m at the year-end, and the cost of purchasing and refurbishing our new freehold headquarters office building for around £10m. The overall cash outflow was partially offset by issuing 1.5m shares from Treasury in February, which raised £4.7m.&lt;br /&gt;&lt;br /&gt;Business Development&lt;br /&gt;&lt;br /&gt;Our distributors have become increasingly confident in the overall strength of our customer proposition, which combines convenience, value and a consistently high quality of customer service; this has resulted in a substantial increase in activity. We have seen a net increase of around 7,500 distributors over the year (2008: net increase of 3,000), taking the total number of distributors to around 27,100 (2008:19,600); this represents an increase of over 38% during the year, most of which took place during the second half and provides a strong indication of the level of customer gathering activity that can be expected during the first half of the current year. Our distributor numbers include approximately 1,000 Community Fundraisers, a relatively new business opportunity introduced in October 2007, which enables local organisations (e.g. schools, sports clubs, &lt;div id=":1cn" class="ii gt"&gt;&lt;wbr&gt;religious bodies and charities) to raise funds by promoting the benefits of using our services within their communities.&lt;br /&gt;&lt;br /&gt;Our IT systems have been designed to manage a significantly larger number of customers than are currently using our services, and the recent purchase of a substantial freehold office building gives us the additional physical space we will need to support our anticipated future growth over the next 5 years. This means we have the potential to benefit from substantial economies of scale as the number of services we provide continues to grow. The achievement of these economies of scale, and maintaining our current growth trajectory, remains our key business priority over the next few years.&lt;br /&gt;&lt;br /&gt;Last autumn we introduced full colour billing, enabling us to improve the clarity of the information provided to customers, highlighting the various savings and membership benefits they are receiving, and also giving us the opportunity to incorporate more effective marketing messages each month.&lt;br /&gt;&lt;br /&gt;We also launched a pre-payment MasterCard ("CashBack Card") as an important new customer acquisition and retention tool. This gives our members the opportunity to save an additional 5% on their shopping at a wide range of participating retailers, which they receive as a credit on their next monthly bill from us. This valuable additional membership benefit has been well received, and customers using their new cards are achieving typical savings of 15%-30% on the cost of their utilities each month.&lt;br /&gt;&lt;br /&gt;We have also enhanced our customer proposition with the introduction of "Free Global Calls" (where customers with multiple services can benefit from free calls at any time of day to UK Local and National destinations, 0845 and 0870 numbers, and to 10 popular international destinations), whilst reducing our fixed monthly line rental to £8.99, substantially below the price charged by any of our principal competitors.&lt;br /&gt;&lt;br /&gt;Recently published customer satisfaction surveys continue to compare us favourably against our competitors, and we were delighted to receive our first "Best Buy" recommendation from Which? magazine during the year for our combined fixed telephony and broadband package. They also rated us as the best energy supplier on two separate occasions, with a customer satisfaction rating significantly higher than any of the "Big 6" suppliers. And when we asked our own customers directly for their opinion, over 94% said they would recommend us to a friend.&lt;br /&gt;&lt;br /&gt;We intend to capitalise on these positive opinions by continuing to promote our customer referral programme. This provides existing members who successfully recommend a new customer to us with an ongoing additional discount on their own monthly utility bill - a discount which increases with the number of new customers they introduce. This initiative is being supported by our inbound telesales fulfilment team, which enables potential new customers (particularly those introduced by community fundraising groups) to sign up for our services with the minimum of effort or inconvenience. &lt;br /&gt;&lt;br /&gt;Once again I would like to thank our staff and distributors for the loyalty they have shown, and the continuing contribution they are making to the success of the Company.&lt;br /&gt;&lt;br /&gt;Board Changes&lt;br /&gt;&lt;br /&gt;I am delighted to welcome Christopher Houghton to the Board, who joined the Company last autumn and was promoted to Finance Director in February 2009 following the departure of Mr Hateley. His previous experience at PricewaterhouseCoopers, where he qualified as a chartered accountant and had recently completed a two year secondment to The Takeover Panel, clearly identify him as a candidate of exceptional ability, and we were delighted when he accepted our offer. His appointment represents a further important step in our continuing programme to strengthen our senior management team in line with the significant organic growth being achieved.&lt;br /&gt;&lt;br /&gt;Outlook&lt;br /&gt;&lt;br /&gt;Since the year end we have seen continuing high levels of activity, with strong growth in both new customer and new distributor numbers. The confidence we expressed last year in the ability of our business to continue to deliver strong results has been vindicated.&lt;br /&gt;&lt;br /&gt;The nature of our business model continues to give us considerable visibility over future revenues, and it is extremely encouraging that we were able to maintain satisfactory gross margins &lt;wbr&gt;last year in each of the business areas in which we operate. However, it is more difficult to provide accurate guidance on short-term profitability during periods of rapid growth, not least due to the conservative accounting policy we adopt where all customer acquisition costs are immediately written off against profits. This difficulty is exacerbated by the seasonal nature of domestic energy consumption in the UK, where approaching 40% of annual consumption occurs in the final quarter of each financial year, and the actual amount used can fluctuate considerably depending on the weather.&lt;br /&gt;&lt;br /&gt;Although the absolute amount of energy our customers will use this year remains subject to considerable uncertainty, as explained above, the Company remains protected against any volatility in the wholesale energy markets under our long-term supply arrangements with npower, under which they are responsible for providing the energy used by our customers in accordance with a price formula designed to ensure we earn a positive margin whilst maintaining competitive retail prices. The forward price curves for gas and electricity suggest that retail prices are unlikely to fall much further from their current levels over the next 12 months.&lt;br /&gt;&lt;br /&gt;We are still the UK's only fully integrated multi-utility provider, offering customers consistent value across a wide range of services with the added convenience of receiving just a single clear and concise bill each month. Our distribution channel has demonstrated its continuing ability to gather high quality new customers, cost-effectively and in increasing volumes; this gives us a considerable competitive advantage in the residential market.&lt;br /&gt;&lt;br /&gt;The directors consider the rapid and accelerating growth curve we are currently following is the best way to maximise shareholder value in the medium term, notwithstanding any pressure it may create on our profitability in the meantime. As we fund this rapid growth from the earnings generated by our current customer base, it will clearly have an impact on our reported earnings, which are also being adversely affected by a number of other factors, namely: a reduction in our financial income of around £1.5m compared with last year as a result of the sharp fall in interest rates; slightly lower energy margins following the reduction in retail prices from 1 April and a further small reduction anticipated later this year; additional fixed costs associated with our new headquarters office building; and an increase in bad debts. For these reasons, we believe at this stage it is unlikely our profits for the current year will match the record figure for last year which we announced today.&lt;br /&gt;&lt;br /&gt;Dividend&lt;br /&gt;&lt;br /&gt;We are proposing a final dividend of 12.5p for the year (2008: 10p) making a total for the year of 17.5p (2008: 14p). This represents an increase of 25% in our total payment compared with last year. The final dividend will be paid on 7 August 2009 to shareholders on the register at the close of business on 10 July 2009 and is subject to approval by shareholders at the Company's Annual General Meeting which is being held on 8 July 2009.&lt;br /&gt;&lt;br /&gt;Notwithstanding anticipated lower profits in the short-term, it remains our intention to pay a total dividend of 22p for the current year in the absence of unforeseen circumstances, even though this may not be fully covered by our earnings.&lt;br /&gt;&lt;br /&gt;This reflects our confidence in a continuation of the current rapid growth we are seeing in both new services and new customers, which can be expected to provide the Company with a platform from which to deliver significantly higher profits in future years.&lt;br /&gt;&lt;br /&gt;Peter Nutting&lt;br /&gt;Chairman&lt;br /&gt;20 May 2009&lt;br /&gt;&lt;br /&gt;Business Review&lt;br /&gt;&lt;br /&gt;Performance&lt;br /&gt;&lt;br /&gt;Overall performance for the year has been extremely encouraging in a number of key respects:&lt;br /&gt;·       record Group turnover and pre-tax profits of £278.3m and £22.5m respectively;&lt;br /&gt;·       continuing strong underlying cash generation;&lt;br /&gt;·       significant growth in the number of distributors actively &lt;wbr&gt;promoting our services;&lt;br /&gt;·       34% increase in the number of services we are providing to over 790,000;&lt;br /&gt;·       successful launch of new CashBack Card and mobile Pre-Pay service;&lt;br /&gt;·       69% increase in membership of our Business Club.&lt;br /&gt;&lt;br /&gt;This exceptional performance has been driven by increasing confidence within our distribution channel in our financial strength (as demonstrated by our profitability, cash resources, and promotion into the FTSE250), the value of our services, and our commitment to ensuring we consistently deliver a first class experience to our customers (as evidenced by the numerous independent endorsements we have received in magazines like Which?).&lt;br /&gt;&lt;br /&gt;Our growth has benefited from the deteriorating economic climate, which has made the part-time earning opportunity we offer new distributors increasingly attractive against the background of a broader labour market where working hours are being cut, overtime is being reduced, part-time jobs are less readily available and unemployment is rising. It has also made it easier for distributors to find new customers, as households become more focused on finding new ways to reduce their monthly outgoings.&lt;br /&gt;&lt;br /&gt;Margins&lt;br /&gt;&lt;br /&gt;Gross margins improved during the year in all areas of our business, primarily reflecting the continuing competitive pressure on the owners of network infrastructure to attract and retain call traffic from the dwindling number of substantial independent resellers like ourselves, and the impact of higher energy prices compared with the previous year. The overall gross margin reduced slightly, however, due to the increasing proportion of our turnover which derives from supplying energy (which has relatively low gross margins) compared with telephony and broadband (which has relatively high gross margins), and the impact of providing "Free Global Calls" to a growing proportion of our customers.&lt;br /&gt;&lt;br /&gt;The Market&lt;br /&gt;&lt;br /&gt;Our focus is on supplying a wide range of essential utility services (gas, electricity, fixed telephony, mobile telephony and internet) to both domestic and small business customers. These are substantial markets and represent a considerable opportunity for further organic growth.&lt;br /&gt;&lt;br /&gt;We remain a small operator in a market dominated by the former monopoly suppliers and a handful of other new entrants. However, our unique position as the only integrated multi-utility supplier gives us a considerable competitive advantage. We combine a highly efficient cost base, good customer service and competitive pricing with the unique benefit of a single monthly bill for each customer.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Our Customers&lt;br /&gt;&lt;br /&gt;The majority of our customers choose to take advantage of our multi-service proposition, with over 85% having joined our Discount Club since its launch in October 2003.&lt;br /&gt;&lt;br /&gt;On average, each member of our residential club now takes 3.07 services (2008: 3.13) with 85% taking two or more services, and 51% taking three or more services; this slight reduction in the average number of services per member compared with last year reflects an increase in the proportion of "energy only" customers, who are primarily in rental accommodation. These figures (which exclude CashBack cards) are illustrated by the analysis below, and demonstrate the effectiveness of our Club concept in encouraging customers to subscribe for additional services:&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Members&lt;br /&gt;Non-Members&lt;br /&gt;&lt;br /&gt;1 Service&lt;br /&gt;15%&lt;br /&gt;55%&lt;br /&gt;&lt;br /&gt;2 Services&lt;br /&gt;34%&lt;br /&gt;37%&lt;br /&gt;&lt;br /&gt;3 Services&lt;br /&gt;13%&lt;br /&gt;6%&lt;br /&gt;&lt;br /&gt;4 Services&lt;br /&gt;14%&lt;br /&gt;2%&lt;br /&gt;&lt;br /&gt;5 Services&lt;br /&gt;20%&lt;br /&gt;-&lt;br /&gt;&lt;br /&gt;6 Services&lt;br /&gt;3%&lt;br /&gt;-&lt;br /&gt;&lt;br /&gt;7 Services&lt;br /&gt;1%&lt;br /&gt;-&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;At the year end we had 238,868 members and 42,307 non-members. Non-members relate to customers gathered prior to the launch of our Discount Club in October 2003 or who have moved into a property where we were the incumbent utility supplier, and have not yet applied to join the Discount Club.&lt;br /&gt;&lt;br /&gt;The combination of an increasing proportion of customers taking our Broadcall service and higher retail energy prices has led to a further increase in average revenue per customer, notwithstanding considerable price deflation in the fixed telephony markets over the last nine years.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Average Revenue&lt;br /&gt;per Customer&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;1999&lt;br /&gt;£190&lt;br /&gt;&lt;br /&gt;2000&lt;br /&gt;£286&lt;br /&gt;&lt;br /&gt;2001&lt;br /&gt;£316&lt;br /&gt;&lt;br /&gt;2002&lt;br /&gt;£329&lt;br /&gt;&lt;br /&gt;2003&lt;br /&gt;£459&lt;br /&gt;&lt;br /&gt;2004&lt;br /&gt;£482&lt;br /&gt;&lt;br /&gt;2005&lt;br /&gt;£505&lt;br /&gt;&lt;br /&gt;2006&lt;br /&gt;£634&lt;br /&gt;&lt;br /&gt;2007&lt;br /&gt;£801&lt;br /&gt;&lt;br /&gt;2008&lt;br /&gt;£872&lt;br /&gt;&lt;br /&gt;2009&lt;br /&gt;£1,057&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;We enjoy high levels of overall customer satisfaction, as evidenced by the positive reviews we have received from Which? magazine on a regular basis, the relatively low churn we experience and a recent survey which we carried out amongst our members where over 94% stated that they would recommend us to their friends. Our overall monthly churn increased slightly to around 2.0% during the year, but remains considerably below the average levels experienced by our competitors, when compared with customers who had similarly already switched away from their original supplier.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size:130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;br /&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-7563362932787566697?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7563362932787566697'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7563362932787566697'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/05/telecom-plus-plc-final-results-for-year.html' title='Telecom plus PLC : Final Results for the year ended 31 March 2009'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-5358683123097700696</id><published>2009-04-07T09:23:00.000-07:00</published><updated>2009-04-07T09:28:30.223-07:00</updated><title type='text'>Looking for smart, motivated, dynamic people?!?</title><content type='html'>&lt;span style="font-size:130%;"&gt;Do you know any?&lt;br /&gt;&lt;br /&gt;Are you one of those highly motivated, smart, dynamic, entrepreneurial &amp;amp; forward thinking people? We are looking for quality people to join and benefit from the massive growth it is experiencing.&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Then what are you waiting for Carpe Dieme!&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size:130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-5358683123097700696?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/5358683123097700696'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/5358683123097700696'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/04/looking-for-smart-motivated-dynamic.html' title='Looking for smart, motivated, dynamic people?!?'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-6706776359631601738</id><published>2009-04-06T08:33:00.000-07:00</published><updated>2009-04-06T08:34:23.550-07:00</updated><title type='text'>Telecom Plus expects record full-yr profits</title><content type='html'>&lt;p&gt; * Expects record full-year pretax profits&lt;span id="midArticle_byline"&gt;&lt;/span&gt;&lt;/p&gt;&lt;span id="midArticle_0"&gt;&lt;/span&gt;       &lt;p&gt; * Net cash expected to be over 20 mln stg&lt;/p&gt;&lt;span id="midArticle_1"&gt;&lt;/span&gt;       &lt;p&gt;  &lt;/p&gt;&lt;span id="midArticle_2"&gt;&lt;/span&gt;       &lt;p&gt; (Adds details, background)&lt;/p&gt;&lt;span id="midArticle_3"&gt;&lt;/span&gt;       &lt;p&gt; LONDON, March 31 (Reuters) - Utility services group Telecom Plus Plc (&lt;span style="" id="symbol_TEP.L_0"&gt;&lt;a linkindex="59" href="http://www.reuters.com/finance/stocks/overview?symbol=TEP.L"&gt;TEP.L&lt;/a&gt;&lt;/span&gt;) said on Tuesday it expected record pre-tax profits for the year, after attracting record customer applications and high profile endorsements.&lt;/p&gt;&lt;span id="midArticle_4"&gt;&lt;/span&gt;       &lt;p&gt; The group, which trades as the Utility Warehouse to supply gas, electricity, fixed line telephony, mobile and broadband, said it had added more than 66,000 net new services. &lt;/p&gt;&lt;span id="midArticle_5"&gt;&lt;/span&gt;       &lt;p&gt; Its shares were up 0.7 percent at 297 pence at 0710 GMT.&lt;/p&gt;&lt;span id="midArticle_6"&gt;&lt;/span&gt;       &lt;p&gt; The group said it remained on target to report record pre-tax profits for the year ended March 31, despite absorbing growth related costs. &lt;/p&gt;&lt;span id="midArticle_7"&gt;&lt;/span&gt;       &lt;p&gt; It said it had seen a substantial seasonal cash outflow during the quarter, due to the impact of customers paying by budget plans through a very cold winter. But it still expects year-end net cash to be over 20 million pounds ($28.60 million).&lt;/p&gt;&lt;span id="midArticle_8"&gt;&lt;/span&gt;        The company said the record number of new customer applications had been boosted by increased numbers of distributors who sign up customers, and endorsements from the influential Which? magazine.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-6706776359631601738?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/6706776359631601738'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/6706776359631601738'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/04/telecom-plus-expects-record-full-yr.html' title='Telecom Plus expects record full-yr profits'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-834052474129978146</id><published>2009-03-23T15:47:00.000-07:00</published><updated>2009-03-23T15:48:15.966-07:00</updated><title type='text'>A Better Option - Too right !</title><content type='html'>Tonight BBC1 Panorama highlighted the following points:&lt;br /&gt;&lt;br /&gt;1)      Many savers who have their money in banks and Building&lt;br /&gt;Societies have seen the return on their money drop some 80% in the&lt;br /&gt;last 9 months, as the base rate has dropped.&lt;br /&gt;2)      Many who thought their pension funds were doing well, are&lt;br /&gt;staggered to learn that some are down 60% or more in value.&lt;br /&gt;3)      Those that thought they were going to retire at 65 are now&lt;br /&gt;having to look towards 70-75 as they do not have enough money in&lt;br /&gt;their projected pensions to live on.&lt;br /&gt;4)      Many invested in overseas property and shares to spread&lt;br /&gt;the risk ? results: Spanish property down about 40%, UK property&lt;br /&gt;down about 20%, shares down approximately 30% (Except ours)&lt;br /&gt;5)      91% of the private sector pensions are in deficit&lt;br /&gt;6)      The average private pension pot has £25,000 in which would&lt;br /&gt;pay about £1,800 a year in income.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;There is a massive market for us to target out there, people&lt;br /&gt;within 15 years of 65 must be absolute prime targets to benefit&lt;br /&gt;from our great opportunity!!&lt;br /&gt;&lt;br /&gt;Wayne showed us in January at the kick off events that if an&lt;br /&gt;individual just gathered 1 customer a month, at the end of the&lt;br /&gt;second year they would have earned CVC of £1,901. Only having to&lt;br /&gt;invest £199.75 not £25,000, and have a chance to get their money&lt;br /&gt;back!! Now surely that must be a much better proposition than to&lt;br /&gt;hope that the fund manager  of their pension will do brilliantly&lt;br /&gt;well over the coming years, or wait for any government in power to&lt;br /&gt;decide to help the savers or those approaching retirement!!&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-834052474129978146?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/834052474129978146'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/834052474129978146'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/03/better-option-too-right.html' title='A Better Option - Too right !'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-482214948447556743</id><published>2009-03-12T16:23:00.000-07:00</published><updated>2009-03-12T16:24:14.847-07:00</updated><title type='text'>Utility Warehouse (Telecom Plus) Financial Times Company Of The Year</title><content type='html'>&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;Clearly,Telecom  Plus, winner of the Company of the Year award, has found an  original and effective business model.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;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.&lt;/p&gt;&lt;p&gt;Mr Wigoder says the biggest challenge is  managing the pace of growth and underpinning it with flawless IT  systems. But he has experience. He previously founded the Peoples  Phone Company, a virtual operator, which he built from 100,000  customers to 400,000 within 18 months before selling it to    Vodafone in 1996.&lt;/p&gt;&lt;p&gt;Since Mr Wigoder and  associates control a majority of the equity, "we are looking  to create long-term shareholder value rather than near-term  management bonuses," he says. "There is a clear  alignment between management and shareholder  interests."&lt;/p&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-482214948447556743?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/482214948447556743'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/482214948447556743'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/03/utility-warehouse-telecom-plus.html' title='Utility Warehouse (Telecom Plus) Financial Times Company Of The Year'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-8506973576190909234</id><published>2009-02-23T10:37:00.000-08:00</published><updated>2009-02-23T10:43:51.920-08:00</updated><title type='text'>Telecom Plus Takes on more staff!</title><content type='html'>&lt;span style="font-style: italic;font-size:180%;" &gt;&lt;span style="color: rgb(255, 0, 0);"&gt;Investors Chronicle&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Multi-utility provider Telecom Plus is to double its 387-strong headcount over the next three years as customer acquisition rates continue to soar on the back of the recession.&lt;br /&gt;&lt;br /&gt;&lt;p&gt;Management says that third-quarter trading was "exceptionally strong" with customer numbers rising by 19,000 to 258,840 and the number of services provided by the group up by 64,902 to 723,427. Cash flow remained buoyant, with the group holding net cash of £36.4m by the end of the quarter allowing management to comfortably reiterate their commitment to pay a full-year dividend of at least 17.5p. &lt;/p&gt; &lt;p&gt;The outlook remains positive, with the group signing a record number of new distributors, and with existing distributors carrying out greater activity. Management said that customers had a tendency to be more receptive to switching utility providers in the current woeful economic climate.&lt;/p&gt;&lt;p style="color: rgb(0, 204, 204);"&gt;&lt;span style="font-size:180%;"&gt;CITY AM.&lt;/span&gt;&lt;/p&gt;&lt;p style="color: rgb(0, 204, 204);"&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Comedy duo Dawn French and Jennifer Saunders will be part of a viral marketing campaign for Telecom Plus as the multi-utility group looks to further boost its record growth rates. &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;The group said trading during the third quarter was exceptionally strong reflecting a continuation of the positive trends which have been developing over the last 18 months. &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;"Turnover, profits, customer numbers, new services and new distributor recruitment have all been running substantially ahead of the comparable figures at this time last year," said the group.&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;The group said its growth trend is creating significant job opportunities and plans to more than double the current number of full-time employees over the next three years. Its total headcount is 387 at the end of December.&lt;/span&gt;&lt;br /&gt; &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Telecom Plus has launched a viral marketing campaign with a series of videos featuring Dawn French and Jennifer Saunders. &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;It says this will give its distributors a new way of promoting it services, by sending potential customers an email which contains a direct link to these videos. "We anticipate this will provide a further boost to the record growth rates now being achieved," added the group.&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Customer numbers increased by 19,082 to 258,840 during the quarter, and the number of services provided rose by almost 65,000 to 723,427 (31 December 2007: 568,742).&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;During the same period, the number of Distributors promoting its services increased by over 4,000 to 23,773. &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;"We anticipate continuing strong organic growth over the coming months," said the group.&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Telecom Plus also announced the appointment of Chris Houghton as finance director with immediate effect. &lt;/span&gt;&lt;br /&gt;&lt;/p&gt;&lt;p style="color: rgb(255, 0, 0);"&gt;SHARECAST&lt;/p&gt;&lt;p style="color: rgb(0, 204, 204);"&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Comedy duo Dawn French and Jennifer Saunders will be part of a viral marketing campaign for &lt;/span&gt;&lt;b style="color: rgb(0, 0, 0);"&gt;Telecom Plus&lt;/b&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; as the multi-utility group looks to further boost its record growth rates.   &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; The group said trading during the third quarter was exceptionally strong reflecting a continuation of the positive trends which have been developing over the last 18 months. &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; �Turnover, profits, customer numbers, new services and new distributor recruitment have all been running substantially ahead of the comparable figures at this time last year,� said the group. &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;The group said its growth trend is creating significant job opportunities and plans to more than double the current number of full-time employees over the next three years. Its total headcount is 387 at the end of December. &lt;/span&gt;&lt;br /&gt;   &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; Telecom Plus has launched a viral marketing campaign with a series of videos featuring Dawn French and Jennifer Saunders.  &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;It says this will give its distributors a new way of promoting it services, by sending potential customers an email which contains a direct link to these videos. �We anticipate this will provide a further boost to the record growth rates now being achieved,� added the group. &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt;Customer numbers increased by 19,082 to 258,840 during the quarter, and the number of services provided rose by almost 65,000 to 723,427 (31 December 2007: 568,742). &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; During the same period, the number of Distributors promoting its services increased by over 4,000 to 23,773.  &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; �We anticipate continuing strong organic growth over the coming months,� said the group. &lt;/span&gt;&lt;br /&gt;  &lt;br /&gt;&lt;span style="color: rgb(0, 0, 0);"&gt; Telecom Plus also announced the appointment of Chris Houghton as finance director with immediate effect. &lt;/span&gt;&lt;/p&gt;&lt;p style="color: rgb(0, 0, 0); font-style: italic;"&gt;&lt;span style="font-size:180%;"&gt;Reuters&lt;/span&gt;&lt;/p&gt;&lt;p&gt; * Plans to double workforce over next 3 years&lt;span id="midArticle_byline"&gt;&lt;/span&gt;&lt;/p&gt;&lt;span id="midArticle_0"&gt;&lt;/span&gt;       &lt;p&gt; * Says Q3 trading "exceptionally strong"&lt;/p&gt;&lt;span id="midArticle_1"&gt;&lt;/span&gt;       &lt;p&gt; * Appoints Chris Houghton as FD to replace Richard Hateley&lt;/p&gt;&lt;span id="midArticle_2"&gt;&lt;/span&gt;       &lt;p&gt;  &lt;/p&gt;&lt;span id="midArticle_3"&gt;&lt;/span&gt;       &lt;p&gt; (Adds details)&lt;/p&gt;&lt;span id="midArticle_4"&gt;&lt;/span&gt;       &lt;p&gt; LONDON, Feb 17 (Reuters) - Utility services group Telecom plus Plc (&lt;span style="cursor: pointer;" id="symbol_TEP.L_0"&gt;&lt;a linkindex="56" href="http://www.reuters.com/finance/stocks/overview?symbol=TEP.L"&gt;TEP.L&lt;/a&gt;&lt;/span&gt;) said on Tuesday that its annual performance is in line with market expectations and that it plans to double its workforce over the next three years.&lt;/p&gt;&lt;span id="midArticle_5"&gt;&lt;/span&gt;       &lt;p&gt; It said third-quarter trading was "exceptionally strong" and that turnover, profits, and customer numbers are substantially ahead of the the year-earlier figures.&lt;/p&gt;&lt;span id="midArticle_6"&gt;&lt;/span&gt;       &lt;p&gt; In contrast to many companies that have cut staff numbers as a result of the economic downturn, Telecom plus said it added more than 90 staff in the first nine months of the financial year to take its total headcount to 387 at the end of December.&lt;/p&gt;&lt;span id="midArticle_7"&gt;&lt;/span&gt;       &lt;p&gt; It also said finance director Richard Hateley will leave the company and that Chris Houghton, who joined the group as head of finance last September, has been appointed finance director with immediate effect.&lt;/p&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-8506973576190909234?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/8506973576190909234'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/8506973576190909234'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/02/telecom-plus-takes-on-more-staff.html' title='Telecom Plus Takes on more staff!'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-4511229533199783467</id><published>2009-02-14T06:25:00.000-08:00</published><updated>2009-02-14T06:26:44.637-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='twitter'/><category scheme='http://www.blogger.com/atom/ns#' term='warm market'/><title type='text'>Twitter People to Grow Your Warm Market!</title><content type='html'>If you haven't done so already, I really want to encourage all of you to get yourselves signed up on Twitter today!&lt;br /&gt;&lt;br /&gt;I believe it's going to be one of the most powerful new tools for expanding your contacts and your influence in 2009.&lt;br /&gt;&lt;br /&gt;1. Go to &lt;a seenf017b9d8fdf2d893b0a755416737ca4379aa5985="true" href="http://www.twitter.com/" target="_blank"&gt;http://www.twitter.com&lt;/a&gt;&lt;div style="display: inline; cursor: pointer; padding-right: 16px; width: 16px; height: 16px;" linkf017b9d8fdf2d893b0a755416737ca4379aa5985="twitter.com"&gt; &lt;/div&gt;&lt;br /&gt;&lt;br /&gt;2. Sign up&lt;br /&gt;&lt;br /&gt;3. Find your friends, upline, downline&lt;br /&gt;&lt;br /&gt;4. Find me (Stuart_Ritchie)&lt;br /&gt;&lt;br /&gt;5. Find some interesting people&lt;br /&gt;&lt;br /&gt;6. Start posting regularly on what's happening in your life, why Network Marketing and Utility Warehouse are the greatest, stories, links, news, you name it.&lt;br /&gt;&lt;br /&gt;7. As you do this, you will begin to develop a following and expand your warm market.&lt;br /&gt;&lt;br /&gt;8. Many of these new friendships will become natural candidates over the course of the year&lt;br /&gt;&lt;br /&gt;DON'T be last to act on this new movement. And don't stress if you don't know how to maximise it right away.&lt;br /&gt;&lt;br /&gt;We are ALL learning and, once you're on you'll find lots of tips from other members on how to use it.&lt;br /&gt;&lt;br /&gt;But like I said, follow me, your upline, your downline, your friends, everyone. And invite other people to get on Twitter as well.&lt;br /&gt;&lt;br /&gt;One word of warning... It's important to note that this doesn't replace your other business building activities. It's just an easy way to expand your warm market, expand your influence, expand your skills and stay connected to a fun group of people.&lt;br /&gt;&lt;br /&gt;See you there!&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on info@thefutureispurple.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-4511229533199783467?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4511229533199783467'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4511229533199783467'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/02/twitter-people-to-grow-your-warm-market.html' title='Twitter People to Grow Your Warm Market!'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-6802906102805441470</id><published>2009-01-20T04:09:00.000-08:00</published><updated>2009-01-20T04:33:15.948-08:00</updated><title type='text'>Shares You Could Have Should Have Would Bought in 2008</title><content type='html'>&lt;!-- Main content column - contains article, actions and comments --&gt;&lt;table&gt;&lt;tbody&gt;&lt;tr&gt;&lt;th&gt;&lt;br /&gt;&lt;/th&gt;&lt;th&gt;&lt;p align="center"&gt;&lt;strong&gt;RISERS&lt;/strong&gt;&lt;/p&gt;&lt;/th&gt;&lt;th&gt;&lt;br /&gt;&lt;/th&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;1&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Telecom Plus PLC&lt;/strong&gt; (LSE: TEP)&lt;/td&gt;&lt;td&gt;+68.69%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;2&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Randgold Resources&lt;/strong&gt; (LSE: RRS)&lt;/td&gt;&lt;td&gt;+60.04%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;3&lt;/td&gt;&lt;td&gt;&lt;strong&gt;BTG&lt;/strong&gt; (LSE: BGC)&lt;/td&gt;&lt;td&gt;+53.49%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;4&lt;/td&gt;&lt;td&gt;&lt;strong&gt;British Energy&lt;/strong&gt; (LSE: BGY)&lt;/td&gt;&lt;td&gt;+40.16%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;5&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Jardine Lloyd Thompson&lt;/strong&gt; (LSE: JLT)&lt;/td&gt;&lt;td&gt;+35.04%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;6&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Astrazeneca&lt;/strong&gt; (LSE: AZN)&lt;/td&gt;&lt;td&gt;+27.36%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;7&lt;/td&gt;&lt;td&gt;&lt;strong&gt;BH Macro&lt;/strong&gt; (LSE: BHME)&lt;/td&gt;&lt;td&gt;+22.85%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;8&lt;/td&gt;&lt;td&gt;&lt;strong&gt;BARR&lt;/strong&gt; (LSE: BAG)&lt;/td&gt;&lt;td&gt;+21.4%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;9&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Amlin&lt;/strong&gt; (LSE: AML)&lt;/td&gt;&lt;td&gt;+19.21%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;10&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Hiscox&lt;/strong&gt; (LSE: HSX)&lt;/td&gt;&lt;td&gt;+18.67%&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;table&gt;&lt;tbody&gt;&lt;tr&gt;&lt;th&gt;&lt;br /&gt;&lt;/th&gt;&lt;th&gt;&lt;p align="center"&gt;&lt;strong&gt;FALLERS&lt;/strong&gt;&lt;/p&gt;&lt;/th&gt;&lt;th&gt;&lt;br /&gt;&lt;/th&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;1&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Cattles&lt;/strong&gt; (LSE: CTT)&lt;/td&gt;&lt;td&gt;-94.14%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;2&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Punch Taverns&lt;/strong&gt; (LSE: PUB)&lt;/td&gt;&lt;td&gt;-92.87%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;3&lt;/td&gt;&lt;td&gt;&lt;strong&gt;HBOS&lt;/strong&gt; (LSE: HBOS)&lt;/td&gt;&lt;td&gt;-90.24%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;4&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Inchcape&lt;/strong&gt; (LSE: INCH)&lt;/td&gt;&lt;td&gt;-89.96%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;5&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Yell&lt;/strong&gt; (LSE: YELL)&lt;/td&gt;&lt;td&gt;-88.78%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;6&lt;/td&gt;&lt;td&gt;&lt;strong&gt;RBS&lt;/strong&gt; (LSE: RBS)&lt;/td&gt;&lt;td&gt;-87.49%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;7&lt;/td&gt;&lt;td&gt;&lt;strong&gt;SVG Capital&lt;/strong&gt; (LSE: SVI)&lt;/td&gt;&lt;td&gt;-87.46%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;8&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Enterprise Inns&lt;/strong&gt; (LSE: ETI)&lt;/td&gt;&lt;td&gt;-87.11%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;9&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Ferrexpo&lt;/strong&gt; (LSE: FXPO)&lt;/td&gt;&lt;td&gt;-85.56%&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;10&lt;/td&gt;&lt;td&gt;&lt;strong&gt;Barratt Developments&lt;/strong&gt; (LSE: BDEV)&lt;/td&gt;&lt;td&gt;-84.03%&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;p&gt;The success stories of 2008 include &lt;strong&gt;Telecom Plus&lt;/strong&gt; (LSE: TEP), which has climbed 69% this year after positive trading statements and healthy growth saw the company climb to its highest levels in four years.&lt;/p&gt;&lt;p&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size:130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-6802906102805441470?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/6802906102805441470'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/6802906102805441470'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/01/shares-you-could-have-should-have-would.html' title='Shares You Could Have Should Have Would Bought in 2008'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-2469221222785238082</id><published>2009-01-20T04:08:00.000-08:00</published><updated>2009-01-20T04:09:08.015-08:00</updated><title type='text'>Steal or Deal of The Day???</title><content type='html'>Charles Wigoder, chief executive of Telecom Plus, which offers one utility bill to householders and businesses, has bought 20,000 shares at 299¾p each, bringing his stake to 24.16 per cent. The shares, one of the top performers of the FTSE all-share last year as the company benefited from consumers seeking cheaper bills, gained 10¾p to 314½p.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(102, 0, 204);" name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-2469221222785238082?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2469221222785238082'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2469221222785238082'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/01/steal-or-deal-of-day.html' title='Steal or Deal of The Day???'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-8311413573282171597</id><published>2009-01-15T09:50:00.000-08:00</published><updated>2009-01-15T09:52:01.663-08:00</updated><title type='text'>Tips For a Better Life!</title><content type='html'>1. Take a 10-30 minutes walk every day. And while you walk, smile.&lt;br /&gt;2. Sit in silence for at least 10 minutes each day.&lt;br /&gt;3. Sleep for 7 hours.&lt;br /&gt;4. Live with the 3 E's -- Energy, Enthusiasm, and Empathy.&lt;br /&gt;5. Play more games.&lt;br /&gt;6. Read more books than you did the previous year.&lt;br /&gt;7. Make time to practice meditation, yoga, and prayer. They provide us with daily fuel for our busy lives.&lt;br /&gt;8. Spend time with people over the age of 70 &amp;amp; under the age of 6.&lt;br /&gt;9. Dream more while you are awake.&lt;br /&gt;10. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.&lt;br /&gt;11. Drink plenty of water.&lt;br /&gt;12. Try to make at least three people smile each day.&lt;br /&gt;13. Don't waste your precious energy on gossip.&lt;br /&gt;14. Forget issues of the past. Don't remind your partner with his/her mistakes of the past. That will ruin your present happiness.&lt;br /&gt;15. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.&lt;br /&gt;16. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.&lt;br /&gt;17. Eat breakfast like a king, lunch like a prince and dinner like a beggar.&lt;br /&gt;18. Smile and laugh more.&lt;br /&gt;19. Life is too short to waste time hating anyone. Don't hate others.&lt;br /&gt;20. Don't take yourself so seriously. No one else does.&lt;br /&gt;21. You don't have to win every argument. Agree to disagree.&lt;br /&gt;22. Make peace with your past so it won't spoil the present.&lt;br /&gt;23. Don't compare your life to others'. You have no idea what their journey is all about. Don't compare your partner with others.&lt;br /&gt;24. No one is in charge of your happiness except you.&lt;br /&gt;25. Forgive everyone for everything.&lt;br /&gt;26. What other people think of you is none of your business.&lt;br /&gt;27. However good or bad a situation is, it will change.&lt;br /&gt;28. Your job won't take care of you when you are sick. Your friends will. Stay in touch.&lt;br /&gt;29. Get rid of anything that isn't useful, beautiful or joyful.&lt;br /&gt;30. Envy is a waste of time. You already have all you need.&lt;br /&gt;31. The best is yet to come.&lt;br /&gt;32. No matter how you feel, get up, dress up and show up.&lt;br /&gt;33. Do the right thing!&lt;br /&gt;34. Call your family often.&lt;br /&gt;35. Your inner most is always happy. So be happy.&lt;br /&gt;36. Each day give something good to others.&lt;br /&gt;37. Don't over do. Keep your limits.&lt;br /&gt;38. Follow the link below and watch the video..&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%; color: rgb(102, 0, 204);"&gt;&lt;span style=""&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(204, 51, 204); font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style="font-size: 130%;"&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-8311413573282171597?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/8311413573282171597'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/8311413573282171597'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/01/tips-for-better-life.html' title='Tips For a Better Life!'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-2584576376737213567</id><published>2009-01-11T16:03:00.000-08:00</published><updated>2009-01-11T16:05:04.410-08:00</updated><title type='text'>Give Me On Hour A Day For Two Years ...</title><content type='html'>Hi&lt;br /&gt;&lt;br /&gt;I just finished listening to Tom Schreiters latest CD and thought i'd share this incredible story with you.. read it and use it in your business and I guarantee it will make your business grow...&lt;br /&gt;&lt;br /&gt;....imagine being in the office sat at your desk one day and the boss comes up to you and says "I've got good news and i've got bad news, which do you want first?"&lt;br /&gt;&lt;br /&gt;hmm, you think... "ok the bad news first"&lt;br /&gt;&lt;br /&gt;"well" your boss says "times are tough, our jobs are going overseas and we have to downsize... so i'm going to have to let you go"&lt;br /&gt;&lt;br /&gt;Thoughts go racing through your head... what if I cant find another job, how will I pay the bills, what if I do and it doesnt pay as much, what if its way on the other side of town....&lt;br /&gt;&lt;br /&gt;"whats the good news?" you ask your boss "well, you get to take the rest of the day off!" he replies.&lt;br /&gt;&lt;br /&gt;"That's just great" you think, "Isnt there anything I can do to keep my job here?" you plead "well how about this" your boss replies "if you are willing to work for an extra hour a day, every day, unpaid, for two years you can keep your job."&lt;br /&gt;&lt;br /&gt;"ok!" you say, you dont even need to think about it!&lt;br /&gt;&lt;br /&gt;"great" says your boss, "tell you what, to say thank you for your efforts, once the two years are up we'll let you retire on full pay"&lt;br /&gt;&lt;br /&gt;"fantastic!!, i'll start today!!" you shout&lt;br /&gt;&lt;br /&gt;so six months pass and you've working an extra hour every day, for free, and you friends are telling you "what are you doing that for? that company is ripping you off, why dont you leave and get a job where they pay you for what you do?"&lt;br /&gt;&lt;br /&gt;"No way" you think, i've only got a year and a half left....&lt;br /&gt;&lt;br /&gt;so you keep on working your extra hour and your 18 months in and your husband or wife turns to you and says "we miss you at dinner every night, why dont you get a different job" but what do you say? "no chance.. I've only got six months left and I can retire on full pay!"&lt;br /&gt;&lt;br /&gt;Now unfortunately no job is going to offer you that benefit.. .but we do...&lt;br /&gt;&lt;br /&gt;all you need to do is spend one hour a day, Monday through Friday, talking to people... not working hard, not surfing the net, not digging ditches... just talking to people....&lt;br /&gt;&lt;br /&gt;if you spend one hour a day just talking to people at the end of two years your income will be sufficient that you will be able to retire from your day job through this business.&lt;br /&gt;&lt;br /&gt;I know what you're thinking, i'd love to give it a try but I dont know what to do and thats OK, you can learn to do anything in an hour a day for two years. You could learn to fly a plane, play the piano, build a business, anything... so maybe week #1 you learn to say "hi"... and in week #2 you learn to say "My name is..." the point is you get better and at the end of the two years you retire, on full pay.&lt;br /&gt;&lt;br /&gt;So what do you think? would you like to give it a try?&lt;br /&gt;&lt;br /&gt;Would telling this story have your prospect leaning forward, interested, looking to join? And they dont even know what the business is about yet!!!!&lt;br /&gt;&lt;br /&gt;Try telling this story to one person a day for the next 30 days and see what difference it makes to your business.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span name="KonaFilter"&gt;&lt;span&gt;&lt;p&gt;&lt;span style="font-weight: bold; font-size: 180%;"&gt;&lt;span style=""&gt;&lt;span style="color: rgb(204, 51, 204);"&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(204, 51, 204); font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;/span&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-2584576376737213567?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2584576376737213567'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2584576376737213567'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2009/01/give-me-on-hour-day-for-two-years.html' title='Give Me On Hour A Day For Two Years ...'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-2932291188020320975</id><published>2008-12-31T04:52:00.001-08:00</published><updated>2008-12-31T04:54:42.890-08:00</updated><title type='text'>Letting Agents and Utilities</title><content type='html'>&lt;span name="KonaFilter"&gt;&lt;span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;The Letting Agent Proposal&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;It is no secret that Utility Warehouse have been recruiting up to 300 letting agents a month to join their program, what we try to explain here is why a letting agent would be interested in selling Utilities.&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Time Saving &lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Letting agents often claim to save up to 100 hrs a month in admin when they join Utility warehouse, this is because at the moment when a tenant moves out of a managed property, the agent is having to call up to four different companies for Electric, Gas, Telephone and broadband to make sure all bills are paid and services can continue to be supplied to the next tenant. &lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;With the Utility Warehouse all the services are on one bill, thus only one call is required to make sure everything is ok and at the same time change the tenant details on the property. Utility Warehouse answer 90 of their business this way each month. If when you get the tenant to sign the agreement on behalf of the landlord you also get them to sign for the utilities, you will be being paid a monthly residual on a tenant you never had.&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Unexpected Customers&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Utility Warehouse will continue to remind customers that they get discounts for recommending their friends, as a result once you have a large customer portfolio you should start to see customers appearing that you did not sign up, you are paid a lower rate on these customers to cover our additional admin, however this is really money for nothing.&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Group Customers&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Utility Warehouse enables you to recruit other agents who may be interesting in additional income, the possibilities here are endless. I have not the space here for all the info, however there are £37500 in additional bonuses here from just one area of the business.&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Free Training&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Utility Warehouse will provide free training for all your staff at one of our eighty monthly one day trainings around the country. Furthermore the person who sponsored you and their support team are usually more than willing to help.&lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;Final Note &lt;/span&gt;&lt;/p&gt;&lt;span style="font-family: arial;font-size:100%;" &gt;&lt;br /&gt;&lt;/span&gt;&lt;p style="font-family: arial;"&gt;&lt;span style="font-size:100%;"&gt;You cannot force anybody to be a customer of Utility Warehouse, however once a tenant is in a property you can insist they do not change away from the current supplier. So that once a house has been converted it should stay that way.&lt;/span&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;&lt;span style="color: rgb(204, 51, 204);"&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(204, 51, 204); font-weight: bold;"&gt;&lt;span style="font-size:130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size:130%;"&gt;&lt;br /&gt;&lt;a set="yes" linkindex="0" href="http://www.thefutureispurple.com/"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;&lt;p&gt;&lt;span style="font-size:85%;"&gt;&lt;span style="font-size:85%;"&gt;&lt;br /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;span style="font-size:85%;"&gt;&lt;span style="font-size:85%;"&gt;  &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-2932291188020320975?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2932291188020320975'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/2932291188020320975'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2008/12/letting-agents-and-utilities.html' title='Letting Agents and Utilities'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-7945628189618743219</id><published>2008-12-31T04:45:00.000-08:00</published><updated>2008-12-31T04:48:01.950-08:00</updated><title type='text'>A Share You Should Have Bought In 2008</title><content type='html'>&lt;strong&gt;Telecom Plus PLC&lt;/strong&gt; (LSE: TEP)+68.69%&lt;br /&gt;&lt;br /&gt;The success stories of 2008 include &lt;strong&gt;Telecom Plus&lt;/strong&gt; (LSE: TEP), which has climbed 69% this year after positive trading statements and healthy growth saw the company climb to its highest levels in four years.&lt;br /&gt;&lt;br /&gt;&lt;span style="font-weight: bold;font-size:180%;" &gt;&lt;span style=""&gt;&lt;span style="color: rgb(204, 51, 204);"&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(204, 51, 204); font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a linkindex="0" href="http://www.thefutureispurple.com"&gt;http://www.thefutureispurple.com&lt;/a&gt;&lt;/span&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-7945628189618743219?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7945628189618743219'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/7945628189618743219'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2008/12/share-you-should-have-bought-in-2008.html' title='A Share You Should Have Bought In 2008'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry><entry><id>tag:blogger.com,1999:blog-477703988782157248.post-4665121616707341571</id><published>2008-12-29T12:08:00.000-08:00</published><updated>2008-12-29T12:12:40.295-08:00</updated><title type='text'>The City Has a BIG Buzz Around Telecom Plus - Utility Warehouse</title><content type='html'>&lt;h1&gt;CITY FOCUS: 2008 - The great credit boom finally goes bust &lt;/h1&gt;Buying on hopes it should do well during an economic slowdown has helped Telecom Plus buzz 66 per cent higher. It supplies utility services such as gas, electricity and broadband to residential and business customers.&lt;br /&gt;&lt;br /&gt;&lt;h1 title="London City news: 2008 Winners: we salute the few!"&gt;2008 Winners: we salute the few!&lt;/h1&gt;&lt;br /&gt;Multi-utility Telecom Plus wins the prize for most consistently upbeat company, with a succession of profit forecast upgrades and a bold prediction that it would up its dividend by 25% in each of the next two years, having already hiked it 75% this year.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style=""&gt;&lt;span style="color: rgb(204, 51, 204);"&gt;The FUTURE is BRIGHT the FUTURE is PURPLE!!&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style="color: rgb(204, 51, 204); font-weight: bold;"&gt;&lt;span style="font-size: 130%;"&gt;If want to be in control of your future call Juswant Rai right now on 07917 105134 &lt;span isdynflag="1" info="Call +447917105134;2;+447917105134;1;" onmouseup="SkypeSetCallButtonPressed(this, 0,0,0)" onmousedown="SkypeSetCallButtonPressed(this, 1,0,0)" onmouseover="SkypeSetCallButton(this, 1,0,0);skype_active=SkypeCheckCallButton(this);" onmouseout="SkypeSetCallButton(this, 0,0,0);HideSkypeMenu();" context="07917 105134" reallyisdynflag="1" fax="0" rtl="false" class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" onmouseout="SkypeSetCallButtonPart(this, 0);" onmouseover="SkypeSetCallButtonPart(this, 1);" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img"&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;img src="chrome://skype_ff_toolbar_win/content/space.gif" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" class="skype_tb_img_space" width="1" height="1" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;span title="Call this phone number in United Kingdom with Skype: +447917105134" onmouseout="SkypeSetCallButtonPart(this, 0)" onmouseover="SkypeSetCallButtonPart(this, 1)" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;or email him on juswant.rai@gmail.com&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;a href="http://www.extrapaynow.com/"&gt;http://www.extrapaynow.com&lt;/a&gt;&lt;/span&gt;&lt;span style="font-size: 130%;"&gt;&lt;br /&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/477703988782157248-4665121616707341571?l=www.juswantrai.com'/&gt;&lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4665121616707341571'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/477703988782157248/posts/default/4665121616707341571'/><link rel='alternate' type='text/html' href='http://www.juswantrai.com/2008/12/city-has-big-buzz-around-telecom-plus.html' title='The City Has a BIG Buzz Around Telecom Plus - Utility Warehouse'/><author><name>Juswant Rai</name><uri>http://www.blogger.com/profile/17679003435435451925</uri><email>noreply@blogger.com</email><gd:extendedProperty xmlns:gd='http://schemas.google.com/g/2005' name='OpenSocialUserId' value='01914729296166026098'/></author></entry></feed>