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Morning,

When I (jimmy) write emails , they are really for me but my life experience so far (all 39 years of them on Tuesday) I know that what makes me tick surely must relate to the majority.
There are 3 reasons why people would not want to better their lives.
1. They are Lazy.
2. They are stupid.
3. They don't give a damn.

Every day I wake up excited about what the day ahead is going to bring. Who am I going to meet, where can I go to meet new people. Not having a job I have to plan my week so I can be in places where there are lots of people I can share this exciting business with. I can't just lay around the house all day relaxing , playing tennis and enjoying myself!
I can go out as well and have lots of fun. The reactions I have had over the years when I mention what I do for a living is amazing. Guess what most are negative it's the Uk mentality most people think they re destined to be miserable and poor and do you know what most of them accept that, muppets.
They do the same thing day in day out and expect a different result at the end of the week. That's the first sign of insanity!!!
I have had quite a few come back to me now though, that's because they are short sighted. The old I'm ok I have a great job or I'm really busy attitude has changed for millions with this credit crunch thingy.
I spoke to a real close friend of mine last night who cannot visit me this weekend because he is skint. He was skint 18 years ago when I first met him! What has he done about it nothing. He in a nice way laughs at what I do for a living.
You will do this business for 2 reasons.
1. To avoid a pain.
2. To make a gain.
But whatever reason your success or failings will be down to YOU!!!!!!
There will be plenty of outside influences that will have an impact but it's the internal self motivation every single second of every single day for the rest of your life that will decide if you minimise your regrets.

Right I'm off to a brekky club now and they will all think I'm MAD because I'm paid a six figure income by the best company and business opportunity in the UK and all I have to do is be happy , speak to people and never quit!!
I knew that 7 years ago, If you don't know it yet wake up fast.
Then I'm off to Liverpool to sign up a company that develops bluetooth equipment. I will spend 2 hours in the car speaking to my happy smiley team members. I will spend the rest of the day at Sandbach with 20 happy smiley people on training and the 60 happy smiley people at the Cop tonight.

How fantastic is this business.

Be happy smiley all day, go on practice until it becomes a habit.

Have a wicked Wednesday and make it your best day ever. Speak to EVERYONE who comes within 3 feet of you today. Just smile hand them a card and say ' There you go that's about money


Jimmy SMD (08)

Watch the video first, follow this link:-
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Call Juswant on 07917 105134 or email on juswant.rai@gmail.com if you are interested right now in taking control of your future....

Inflation-busting water bill rise

Households have learned of proposed above-inflation water bill hikes after firms submitted their draft business plans to regulator Ofwat.

The UK's largest water and wastewater services company, Thames Water, announced it expects to raise bills by around 3%, excluding annual inflation, each year between 2010 and 2015.

United Utilities, which manages water and wastewater distribution in the North West of England, said customers were set to see their average bills increase slightly more than 2% a year during the five-year period, with inflation also stripped out.

Severn Trent, which has more than eight million customers, said its bills would rise "only slightly above inflation".

The Consumer Council for Water warned that Thames Water had proposed an average bill increase of 16% above the rate of inflation by 2015.

David Bland, chairman of the Consumer Council for Water, London and South East, said: "The proposal of high price increases and more water meters, combined with the rising cost of energy bills, could hurt many households. London has some of the country's poorest areas, and the Government needs to seriously consider ways to help those who cannot afford to pay for their water."

All of the UK's water companies are required to submit their draft investment plans for Ofwat's scrutiny, including how much they expect customers to pay.

Thames Water and United Utilities revealed the bill increases as they outlined aims for multi-billion pound investments in water and sewerage services as well as cost-cutting schemes to drive efficiency.

Yorkshire Water said it would deliver a £1.9 billion investment in return for customers paying less than £2 more a year over the next five years.

But households in Wales are set to avoid above-inflation rises after Welsh Water said its customers would not see annual tariffs increase in "real" terms, when inflation is stripped out.

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Will gas prices mean a rate increase?

BRITISH Gas owner Centrica said yesterday it would raise gas prices by a record 35 per cent and electricity prices by 9 per cent as it passes on rising energy costs to householders.

The country’s largest energy supplier, with 16m customers, said the move would take place immediately – after revealing its half-year operating profits from its residential gas business plunged 69 per cent to £166m from a year ago.

Centrica’s price hike comes just a few days after rival EDF Energy put up gas prices by 22 per cent and electricity prices by 17 per cent, with other power firms expected to follow suit.

British Gas managing director Phil Bentley said: “We very much regret that we have had to make this decision at a time when many household budgets are already under pressure.”

Soaring energy prices have cost British Gas an extra £2bn over the last year, leading it to pass on costs to consumers. Analysts said these hikes may further stoke inflation, increasing the pressure on the Bank of England to hike interest rates at a time when it is also trying to head off recessionary pressures.

Capital Economics economist Paul Dales said if other energy suppliers mirror these increases the consumer price index would rise by 0.6 per cent, pushing it from 3.8 per cent to 4.4 per cent in August. Dales said: “The news that British Gas became the second utility supplier to raise its price means that inflation is likely to rise further and faster then we previously expected.”

This could spell further bad news for homeowners and investors looking to renew their mortgages.

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Middle class take up second jobs to help cope with credit crunch

They are the middle-class moonlighters. Thousands of professionals are taking on second jobs to help them cope with the soaring cost of food, fuel, mortgages and other household bills.

Lawyers, financial advisers, computer programmers and marketing managers are among those now hunting for freelance work to do outside — or even during — office hours to cover the rising cost of living.

According to an analysis by Capital Economics, a City consultancy, official figures this week will show that 1.15m people now have second jobs, a 5% increase since the onset of the credit crunch and the highest number for five years.

While many of the extra 56,000 people taking on work are exploiting their job skills to earn extra cash, others are turning to hobbies and talents to boost their income and offering tuition in cooking, foreign languages, website design or even pole-dancing.

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“We saw a sharp rise in the number of people with second jobs in previous recessions and that’s starting to happen again,” said Vicky Redwood, the UK economist for the consultancy Capital Economics. “The true number is probably much higher, as many second jobs are simply never declared and never appear in the official figures.”

Employees are increasingly using websites that allow users to advertise freelance services anonymously, ensuring they do not alert bosses to any possible conflicts in interests.

“We have a lot of people who say they are under-used at work and can go online and find extra to do,” said Xenios Thrasyvoulou, chief executive and founder of PeoplePerHour, a site offering freelance services.

The site currently has 6,000 users advertising their services and Thrasyvoulou estimates it is growing at 35% a month.

Luke Aviet, the founder of Setyourrate.com, said that until recently most users of his site were retired workers and students looking for extra income.

“The big difference in the past three months is that we’re seeing middle-class types flocking to the site,” said Aviet. “Typically, it’s people in IT, financial services or marketing people offering their services for an hourly rate as consultants.

“We are also seeing people selling their skills totally unrelated to their day job. We’ve had an advertising copywriter training people at poker.

“But the thing that unites these groups, they say, is that with bills, food and petrol costs getting higher, they need to do something extra to make ends meet.”

Christine Kennedy, a recruitment consultant in the City, spends several nights a week teaching pole-dancing.

“Everywhere you look prices are going up — food, bills, housing costs,” said Kennedy. “I needed to earn more money and I wanted to do something completely different from my day job, something energetic.”

Police forces are also reporting an increase in the number of officers taking on part-time work to boost their income.

Peter Smyth, chairman of the Metropolitan Police Federation, said there had been a 5% rise in the number of officers registering second jobs and business interests over the past year.

“We’re seeing officers doing all sorts of work to raise extra funds — selling antiques on eBay, designing websites, working as chauffeurs,” Smyth said.

“One guy who works for the Met now drives a hearse in his spare time.”

Suffolk police have seen a 12% increase in officers taking second jobs over the past year. The jobs they have chosen range from driving instructor to sports therapist, football coach, reflexologist and model.

The economic slowdown has also boosted the fortunes of Avon, the cosmetics company that uses members of the public to sell its products from home. It has attracted about 17,000 new recruits in the past year.

Lesley Hughes, a mother of one from South Witham near Grantham in Lincolnshire, last week made her first deliveries as an Avon representative to supplement her day job in the offices of a tarmac-manufacturing company.

“So many people I know are taking on extra jobs because food and fuel are getting more expensive,” said Hughes. “With this, I get to meet new people and can take my son with me on my rounds.

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That Sinking Feeling

Sky News business editor Michael Wilson

We aren’t in a recession, as economists would technically define it ( shrinking for economic growth six consecutive months) but I’m sure you’ll be feeling as if you’re in one. Suddenly, over the past few weeks, it seems as if the whole economy has slowed down and the dawning realisation of what a high oil price means is beginning to sink in. People are seeing more and more of their bills rise and are really feeling the effects of the credit crunch.

As a barometer of our shopping crazed economy, the British Retail Consortium usually presents a canny snapshot of what the national psyche is up to. Thus it’s a bit depressing to read in its latest consumer confidence survey that two thirds of Britons believe the country is in recession. One in five said that the economy was their biggest worry, and high interest rates, and presumably their debt, was the next biggest concern.

And during a slowdown like this one, more than half said that inflation was their main fear.

So last week’s decision by the Bank of England not to cut the interest rate will have ‘pleased’ these worriers. Although, as I said last week, it will be interesting to see how the Monetary Policy Committee manages to resist pressure to lower the base rate as the economy slows, as it surely will.

In fact, the profligacy of Labour’s loose fiscal stance , and the Bank’s almost impossible task of trying to reign in inflation while the economy slows is unprecedented and very dangerous territory. Add to that the very public tussling over the appointment of a new Deputy Governor. This is not a time for a central bank and one of the key guardians of the economy to have a vacancy on the bridge.

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House sales set to plummet by 'up to 40 per cent', warn experts

Sales of houses could collapse by 40 per cent this year, according to a study published today by the Royal Institution of Chartered Surveyors.

Such a fall would threaten a wider recession as furniture and carpet stores and firms selling fridges, washing machines and other household products all suffer the knock-on effects.

Others to feel the pain would include estate agents, where thousands are already being made redundant, and solicitors specialising in conveyancing.

RICS warned that the number of home sales could plunge by around 400,000 to approximately 600,000 and said the second half of the year would be a "difficult period for the housing market".

The fall-out from the credit crunch means banks have withdrawn thousands of mortgage deals, tightened lending rules and pushed up interest rates, creating a home loan drought.

Analysis by Mortgage Monitor has found that the number of mortgage deals available has fallen by 56 per cent over the last six months to just 16,000.

Housing minister Caroline Flint last week unwittingly revealed that house prices this year are expected to fall by 5 to 10 per cent "at best".

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Some analysts have warned of falls of 20 per cent.

But first time buyers, who might see that as good news, will struggle to find a loan.

RICS chief economist Simon Rubinsohn said: "Money looks set to remain tight and many will continue to find that access to the market is restricted by cautious lenders."

He added: "It is very worrying that property transactions could fall by as much as 40 per cent this year.

"This could have important ramifications for the wider economy."

More than 1.4million home buyers coming off cheap, fixed rate or tracker mortgages this year face a "payment shock" or moving to much more expensive loans.

RICS believes thousands will be unable to cope and home repossessions will hit 43,000 this year, up from 27,000 in 2007.

Despite the turmoil, the RICS predicts house prices will fall by an average of 5 per cent across the country this year.

But property website Rightmove today reports average asking prices rising in the past month, apparently because sellers refuse to accept the market is falling.

It found asking prices at an all-time high of £242,500 in May, up 1.2 per cent in a month. Rightmove's Miles Shipside, said: "New sellers can see the storm clouds overhead but seem to believe it is only raining on other people."

He warned: "Sellers who are hanging on to achieve last year's prices need to accept that the market has fallen and they will end up being punished by a lower price in the long run."

It is believed the figures were skewed by a flood of expensive properties in the South of England on to the market.

Asking prices were down in many other areas. The North-West saw the largest annual decrease of 2.5 per cent, while Yorkshire and Humberside, the North, Wales, the East Midlands and East Anglia suffered smaller falls.

Call Juswant on 07917 105134 or email on juswant.rai@gmail.com if you are interested right now in taking control of your future....

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Soaring bills leave families with just £50 a week

By Harry Wallop Consumer Affairs Correspondent
----------------

THE rising cost of living has left the average family with less than £50 to spend each week on anything other than essential household bills.


The average household with a home and car has £2,427 a year to spend on child care, clothes, holidays, household repairs, credit card interest, telephone calls, medicines, alcohol and eating out.


This equates to £46.67 a week after bills, taxes and the mortgage have been paid. Statistics show that costs have soared over the past year at a far faster rate than wages, leaving most families unable to afford many key items.


The Daily Telegraph has analysed household costs, including food, utilities and insurance bills, for a family with two children, a £150,000 mortgage and a car. Costs for this typical family total £24,665 a year as a result of significant increases in gas and electricity bills, record petrol prices and rising food prices. This compares with an official estimate of the net average household income, which totals £27,092, after benefits have been received and taxes paid.


This is taken from the Office for National Statistics’ family spending survey 2007, published last month. It includes sources of income from all members of a household, including wages, investments, benefits and tax credits, minus taxes and nation


Call Juswant on 07917 105134 or email on juswant.rai@gmail.com if you are interested right now in taking control of your future....

Watch the video first, follow this link:-
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