Take Action Today

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:-
http://www.extrapaynow.com


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

Why Utility Warehouse

Over the last few months we’ve seen record growth in customer and distributor acquisition and those of us who are active in the business are struggling to keep up with demand (don’t worry, we’ll cope!). The attached article explains why market conditions combined with a unique business proposition for our customers and distributors, lead to analysts to predict that there will be a five-fold increase in business over the next few years.

Whether you are seeking

· an extra £50 - £200 per month for a few hours of work each week

· an additional revenue stream for an existing business

· a serious business which can give you complete financial freedom

As a distributor with The Utility Warehouse Discount Club, you can achieve any of the above, but please don’t miss the boat – if you want to capitalise on this massive growth, then you need to take action now and get started.

If you’ve decided that this business isn’t for you, then please let me know so that I can remove you from my list and leave you in peace! If you’d like to know more or give it a go, please call me so I can answer your questions and help you to get up and running quickly.

PS If you’ve found financial freedom another way, do tell me about it!!

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Sharewatch - Telecom Plus

Telecom Plus has issued a very positive update for Q1 to 30 June. This said turnover, profits, customer numbers, new services and new distributor recruitment have all exceeded expectations, leaving the company "extremely comfortable" with broker forecasts.
Customer numbers increased by 7,160 to 225,017 during Q1 and the number of services provided rose by over 26,000 to 618,320, the highest number being added in any of the past six quarters. Cash at the end of June stood at £32.9m and Telecom Plus expects to lift its dividend payment this year to "not less than 17.5p" versus 14p last year.
Telecom Plus said it continues to expect further strong growth driven by a growing number of distributors and the inclement economic conditions that make customers more receptive to switch suppliers. But of course there is a bigger reason not mentioned - that of higher domestic energy prices, which are possibly expected to rise by a third later this year and which leads to windfall margins.
We tipped the shares in March at 236p; still a buy.
No virus found in this incoming message.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Personal Pride

Good morning,
I get excited waiting for the league table to dispatched from head office.
As it arrives on your desktop there must be so many mixed emotions from each and every one of you. Just 6 weeks ago we all put a stake in the ground and made a personal decision that if implemented and action was taken that we would put down the groundings to start building our financial futures. I have a lot of experience in this business now and what I know is that this type of business really highlights your belief , activity and personal pride.
Whenever we see a group photograph the first person we always look for is ourselves. The same will be for and group or list we are part of. When the list comes out each week and you look at your name what is the feeling you get in your stomach and how does that make your facial muscles react. What are the feelings you have when you see your name staring back at you ?
We are all different but this business is a great leveler. Some of the busiest people I know are showing at the top.
I get a few phone calls every week with the excuses!
There will be a few who don't even open the email as they are embarrassed or they quit after the first few weeks.
There are those who are hungry for success and just get inspired no matter where they are on the list.
No matter what is going on there will be some sort of emotion.
The biggest emotion you should strive for is PERSONAL PRIDE.

The Olympics are taking place at the moment and every single person who is taking part has belief they can win. No one of sound mind would ever take part in anything if they didn't believe they didn't have a chance of winning.
Many have trained for 4 years or more to just get there.
Every single athlete will go away with a feeling that will go to their grave with them and that is if they can say I took part and I did my absolute best and I take personal pride in what I achieved. Now when I typed that I had a great feeling! as everyday I do my best at this business not just for myself, but also for you , your team and the company. I also take pride in what I am doing for the new customers and execs that sign.
One thing I do know is that everyday being an active distributor in this awesome business makes me feel very proud.

As we move forward we will take many with us. These next few weeks , months and years are where the active execs will make a serious amount of life changing money which will in turn at a personal level give so many choices in life.
Do not be the person who has negative emotions running through them everyday because of inactivity and personal under achievement.
We all have the same 24 hours everyday.
We are in the same company with the same services, same payment plan and same challenges.
We all have stuff going on at home and in work.
So the same finger of blame or success will point at us all.

The personal pride I believe is the key to every success story no matter how great.

Give it your best every day. Be proud of what you do and enjoy the results and rewards that always follow successful, happy smiley people around wherever they go and whatever they do.

I don't care if I can't spell or I'm no good at grammar. I do my best to help you all and I feel proud to have you all in the same team.

Thanks for making this such an exciting business and the best is yet to come!!!!!!!

Watch the video first, follow this link:-
http://www.extrapaynow.com


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 could reach 5%

Inflation could reach five per cent, according to leading economists, the Times has reported.

It said they believe rising energy prices could push inflation up almost one per cent to a 16-year high.

According to the paper, George Buckley, chief UK economist at Deutsche Bank, claimed if more energy firms followed British Gas and EDF Energy, CPI inflation would jump 0.9 per cent.

It reported Philip Shaw, UK economist at Investec, said the rise to five per cent could come as soon as next month.

Any inflationary increase would improve the likelihood of the Bank of England recommending a cut in interest rates.

"If the committee were seriously minded to raise rates, now would be the time to do it," commented Vicky Redwood of Capital Economics, the Times said.

At its most recent meeting, most of the Bank's monetary policy committee noted[colon] "the risks to inflation in the medium term were most likely to be balanced by maintaining Bank Rate at 5.0 per cent".

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

UK Personal Debt Statistics

Total UK personal debt at the end of June 2008 stood at £1,444bn. The growth rate increased to 7.4% for the previous 12 months which equates to an increase of ~ £98bn.

Total secured lending on homes at the end of June 2008 stood at £1,212bn. This has increased 7.5% in the last 12 months.

Total consumer credit lending to individuals in June 2008 was £232bn. This has increased 6.8% in the last 12 months.

Total lending in June 2008 grew by £4.0bn. Secured lending grew by £3.1bn in the month. Consumer credit lending grew by £0.9bn.

Average household debt in the UK is ~ £9,309 (excluding mortgages). This figure increases to £21,650 if the average is based on the number of households who actually have some form of unsecured loan.

Average household debt in the UK is ~ £58,000 (including mortgages).

Average owed by every UK adult is ~ £30,424 (including mortgages).

Average outstanding mortgage for the 11.8m households who currently have mortgages now stands at ~ £102,554.

Britain's interest repayments have soared to £94.4bn in the last 12months. The average interest paid by each household on their total debt is approximately £3,800 each year.

Average consumer borrowing via credit cards, motor and retail finance deals, overdrafts and unsecured personal loans has risen to £4,900 per average UK adult at the end of June 2008.

• Consumers will borrow an additional £268m today
• Consumers will pay £259m in interest today
• The average household debt will increase by over £10.75 today
• 2,370 Consumer County Court Judgements (CCJs) issued
• 424 mortgage possession claims will be issued and 302 mortgage possession orders will be made today
• 408 landlord possession claims will be issued and 312 landlord possession orders will be made today.
• 282 people today will be declared insolvent or bankrupt. KPMG estimate this will increase to 356 people a day by the end of 2008 which is equivalent to 1 person being declared insolvent or bankrupt every 4 minutes.
• 74 properties will be repossessed today. The Council of Mortgage lenders (CML) estimates this will increase to 123 a day during 2008.
• Approximately 18,000 credit card applications are being rejected every day.
• 4,000 fixed rate mortgages will come to an end today.
• Citizen Advice Bureaus will deal with 6,600 debt problems today
• The average car will cost £15.42 to run today
• £464m will be withdrawn from cash machines today.
• 20m transactions worth £1.0bn will be spent on credit, debit and charge cards today
• 1/3^rd of all groceries we buy today will end up in the dustbin.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

British Gas provokes fury with biggest ever price rise

35% hike comes as parent company prepares to announce £880m profit

British Gas yesterday increased the pressure on household budgets after announcing the biggest ever increase in gas prices for its 16 million customers.

The 35% rise in gas bills was blamed on higher wholesale costs but came just hours before British Gas's parent company, Centrica, was due to reveal profits of £880m for the first half of the year.

Consumer groups reacted with anger to news that will dismay every gas-using household in the country. The move is expected to send another 1 million families into fuel poverty if replicated across the industry.

EDF Energy, one of the other five major suppliers, announced a 22% rise in gas prices last week.

Adam Scorer, of the consumer group Energywatch, said he was surprised by the increase. "I'm not sure that many consumers will be able to fully take in the news that their gas bills are going up by over a third," he said.

Help the Aged said it was a "disaster" for the millions of pensioners already struggling to heat their homes.

From today, British Gas's 15.9 million customers will be paying 35% more for their gas, and 9% more for electricity.

The company said the average dual fuel customer who was paying £913 for their joint gas and electricity bills at the beginning of 2008, has seen them jump by more than £400 to £1,317 - this at a time when many households are struggling to pay increased petrol and food bills.

The company said it would protect the most vulnerable 340,000 customers, most of whom live on benefits, from the increase. The 2.1 million customers who signed up for capped products also escape the increase, for now.

British Gas managing director, Phil Bentley, defended the price hike.

"We very much regret that we have had to make this decision at a time when many household budgets are already under pressure. The simple fact though is that we have entered an era of unprecedented high world energy prices. The only answer to cope with higher energy prices, I'm afraid, is for all of us to be more energy efficient."

Bentley said profits for the retail arm of the energy giant Centrica were down by 69% to £166m for the first half of this year. However, industry analysts noted these figures were in comparison to the bumper £577m profit the company announced for the same period last year.

Scorer warned that customers may be looking with considerable interest at the Centrica profit statement today.

"It is now an absolute imperative that government directs the European competition authorities to explore every avenue that might return some sanity to the gas price," he said.

Following EDF's price rise on Friday, the remaining four big energy suppliers are expected to follow in the coming weeks. All have claimed that the price of wholesale gas for delivery this winter has jumped 89%.

In recent months energy prices have become a huge political issue. The government has been forced to rip up its targets on fuel poverty after admitting they are no longer achievable. Earlier this year Gordon Brown travelled to Saudi Arabia in an effort to get production increased, and to ease petrol prices that have also risen by a third.

The Liberal Democrat leader, Nick Clegg, said the British Gas hike would be "devastating" for many families, particularly the elderly and vulnerable.

"The announcement may have been made in a hot spell in July, but when winter comes round thousands will be forced to choose between heating their homes and cooking their meals.

"Energy companies are benefiting from a £9bn windfall yet continue to hike up their prices on the government's watch. This is unacceptable."

The shadow energy minister, Charles Hendry, said: "The government has not done enough to improve energy efficiency in the home, they have not built sufficient gas storage and they haven't succeeded in negotiating an open market across the European energy sector.

"As a result of this, people are in for a desperate time this winter, as millions of families will face real hardship and an extra million more people are likely to join the 4.5 million already in fuel poverty."

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

British Gas announces huge price rise for households

Some 16 million customers of British Gas face huge increases in their bills after the country's biggest home energy provider announced price rises of up to 35 per cent yesterday.

From today, British Gas is raising the price of its gas by 35 per cent, while customers buying electricity from it will pay 9.4 per cent more. Households who buy both services from the utility will see their dual fuel bills rise by 25 per cent.

The increases mean the average household's dual fuel bill will rise from £1,055 a year to £1,322.

Energy analysts pointed out that before the 15 per cent increase in costs implemented by British Gas in January, the typical household was paying £912 a year. Yesterday's price rise means British Gas's bills have now risen by 45 per cent so far this year.

However, the energy group said it had no option but to raise its prices following an increase in the cost of gas on the wholesale markets of almost 90 per cent since last winter.

"We very much regret that we have had to make this decision at a time when many household budgets are already under pressure," said Phil Bentley, the company's managing director. "The simple fact is, though, that we have entered an era of unprecedented high world energy prices."

Centrica, British Gas's parent company, owns substantial gas reserves, but only supplies a quarter of its retail arm's needs and is, in any case, prevented by regulators from subsidising the unit's prices. The company is due to unveil its interim results in full today, but revealed last night that profits at British Gas fell to £166m during the first six months of the year, 69 per cent down on last year's figure.

Mr Bentley said that without today's price increases, British Gas would lose several hundred million pounds in the second half of the year.

The company is desperate to refute accusations that it is profiteering, particularly in the face of growing calls for a windfall tax on the energy industry, and yesterday reiterated its promise to spend £43m over the next 12 months on "fuel poor" customers struggling to pay their bills.

British Gas also promised it would make no further increases this year to the bills of customers on its standard tariffs.

But analysts said the company might have to make further price increases early in 2009 and warned that its main rivals were certain to announce similar price increases for their own customers.

Aside from British Gas, of the next five biggest home energy suppliers in the UK, only EDF has so far raised its prices this summer, announcing increases of up to 22 per cent last week. Scottish & Southern has already warned that higher bills are imminent, while ScottishPower, E.On and npower are expected to fall into line within weeks.

"The difference between the main suppliers on price has been and will remain very small," said Joe Malinowski, the chief executive of The Energy Shop. "There is no question that the other providers will follow these moves."

Mr Malinowski expects most providers, including British Gas, to raise their prices again in January or February of next year unless there is a substantial fall in the cost of wholesale gas in the meantime.

The soaring cost of fuel bills has prompted calls for the Government to review regulation of the energy industry, the structure of which was heavily criticised by MPs sitting on the Business and Enterprise Select Committee this week. Ministers are also under pressure to do more to help low-income households caught out by the price rises.

However, energy companies insist that Britons pay lower home energy bills than consumers in most other countries in Europe. The most recent figures from the Department of Business and Enterprise show that, at the end of 2007, UK domestic gas prices were the fourth lowest in the European Union and electricity prices were the eighth lowest. While prices have risen since the end of last year, there have also been increases on the Continent.

Nevertheless, Brendan Barber, the general secretary of the Trades Union Congress, called for a rethink of the Government's energy policy. "The UK's coal reserves must be allowed to play a bigger part in our energy mix," he said. "Coal would give UK consumers and industry more stable and secure energy prices, rather than the volatility we are now witnessing."

Gordon Lishman, the director-general of Age Concern, said: "It is absolutely unacceptable that around 2.25 million pensioner households are now living in fuel poverty, and thousands more will soon be facing the same fate. As an emergency measure to help alleviate the problem this winter, the Government and energy companies should be working together to offer 'fuel vouchers' to the poorest pensioners."

Economists warned that the latest round of price rises would also be a further blow to the Bank of England's attempts to bring inflation back to its 2 per cent target rate. Philip Shaw, an economist at Investec, said energy suppliers were increasing bills by more than expected, making it likely that inflation would rise even more significantly above the current level of 3.8 per cent.

"[This] increases the chances that inflation will hit 5 per cent over the autumn," Mr Shaw warned. Such a rise would prompt calls for a rise in interest rates, putting additional pressure on many households' budgets.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

British Gas Raises Energy Bills!

EDF have already raised prices this summer

British Gas owner Centrica has announced it is to raise gas prices by 35% and electricity prices by 9%.

The UK's biggest domestic energy supplier said that the price hikes would take place with immediate effect.

It blamed "soaring wholesale energy prices", but added that standard tariff prices would not rise again in 2008.

The move comes just a few days after rival EDF Energy put up gas prices by 22% and electricity prices by 17%, with other firms expected to follow suit.

Dual fuel

Centrica said the average dual fuel bill would go up by 25%. This is the second increase this year, after a 15% rise in bills in January.

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

"The simple fact though is that we have entered an era of unprecedented high world energy prices."

A report prepared for Centrica earlier this month warned that annual average gas bills could rise from £600 to more than £1,000 early in the next decade.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Energy bills set to increase despite oil price fall, warns Scottish and Southern

Scottish and Southern Energy yesterday gave the clearest warning yet from leading home energy suppliers that consumers must brace themselves for a new round of gas and electricity price increases.

SSE said that despite a sharp dip in the oil price in recent weeks, it was becoming increasingly difficult to hold the prices paid by its nine million customers at current levels. "The full extent of the energy shock with which the entire global economy is having to contend had been well-documented and its full impact on prices for electricity and gas in the UK has still to be felt," warned Ian Marchant, the utility's chief executive. "We are continuing to resist the pressure to put up prices for domestic customers but it is becoming more difficult by the day."

The extent to which home energy providers' margins have been squeezed in recent months by the soaring cost of wholesale gas was underlined by a warning from SSE about the likely size of its profits in the first half of its financial year, which ends 30 September.

In previous years, SSE made the majority of its annual profits during its first half, but Mr Marchant warned this year's interim results announcement would be more downbeat, with profits in the first half expected to be "substantially lower" than in the same periods of 2006 and 2007.

Nevertheless, the company believes it will meet profits expectations for the full year, suggesting that it is planning on the basis of higher prices from the autumn onwards. Increases at SSE are likely to be broadly in line with similar price rises now expected from rival energy suppliers, with independent analysts predicting last week that gas bills will go up by 60 per cent in the next 12 months. Ann Robinson, director of consumer policy at uSwitch.com, the price comparison site, warned: "Coupled with the credit crunch and the ongoing battle to make their money go further, consumers should steel themselves for a winter of discontent."

Another round of price rises will nonetheless disappoint customers, given that the oil price has fallen back by almost 13 per cent to around $127 a barrel today, from a high of close to $148. However, the utilities argue that most of the rise in oil prices this year has not yet been reflected in home energy bills. Wholesale gas prices have also fallen less sharply than oil, correcting by around 11 per cent over the past six weeks.

Joe Malinowski, managing director of The Energy Shop, the energy market analyst, warned there was little chance of a reprieve for customers. "The gas price falls we've seen are nowhere near enough to prevent one or possibly two more rises in bills," he said. "The falls have come far too late and from too high a level to make a significant difference."

Mr Malinowski believes energy companies, including British Gas, will begin announcing price rises within the next fortnight. "Our best hope is that we get a modest rise now and probably another modest rise later on, rather than one big increase straight away." Energy analysts believe the oil price would have to fall back to around $100 a barrel for energy bills to be sustainable at their current rates. Another round of price increases will also be a major blow to the Bank of England, which has blamed energy bill costs as a major contributor towards its failure to keep inflation within 1 percentage point of its 2 per cent target.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Cry for help from debt-ridden middle class

A debt advice charity is being overwhelmed by demands for help in some of the most affluent parts of the country. Transact, which represents more than a thousand organisations and individuals involved with people suffering financial hardship, said last night that the number of middle-class people wanting advice was rising dramatically.

Its alert came as a survey for The Times found that people attempting to escape the property crash by renting rather than buying face increases of as much as 17 per cent this year. At the same time a survey by the Royal Institution of Chartered Surveyors predicted that house prices will fall by about 5 per cent and the number of housing sales could fall by 40 per cent.

Transact said that the credit crunch was leaving many professionals and homeowners unable to cope with their mounting debts, and some advice centres were having to turn people away. In affluent areas such as Haywards Heath, West Sussex, and Congleton, Cheshire, there had been a 100 per cent rise in the number of inquiries in the past year.

[an error occurred while processing this directive]

Related Links

• Is Britain's love affair with the property market finally over?

• Does your property need a pick-me-up?

At the Mid-Sussex Debt Advice Centre, which serves the Haywards Heath area, the average debt of clients — excluding mortgages — is £20,000, rising to £110,000 in the most extreme cases. Emma Russell, a debt adviser, said: “I’ve had at least two clients tell me that they would have killed themselves if they hadn’t found out that we were here.”

Jamie Elliott, the co-ordinator of Transact, told the BBC: “In the past it was almost uniquely people on benefits, people in social housing, who went to debt advice agencies. Since the credit crunch started they are seeing a big increase in professional people and homeowners coming to seek help, who have just been pushed over the edge and now can’t cope with their outgoings.”

The survey for The Times by Hometrack, the property data company, found that the cost of renting a home rose on average by 6.15 per cent in the year to April. In hotspots such as Oxford, Birmingham and London, rents rose by 17, 16 and 14 per cent respectively, while in Cambridge and Sheffield, tenants are paying an average 10 per cent more than they were in March last year.

Richard Donnell, the director of research for Hometrack, said: “The rental sector is a waiting room for the housing market and more people are being pushed into that waiting room just as rents are being forced up.”

Many of the people seeking help from debt advice agencies had used credit in their homes to pay for home improvements but, as fixed-rate mortgage terms came to an end and the cost of living increased, many people were finding it hard to meet repayments, even if they earned a relatively good salary.

Transact said that it expects the problem to become worse, and has called for more funding to provide debt advice.

The Hometrack data tracks rents on two-bedroom flats or houses, but the cost of tenancy is reported to be rising even more quickly for larger family homes. A survey by Paragon, a buy-to-let lender, suggested that rents for detached homes have risen by 30 per cent, compared with an average of 12 per cent across all housing types.

The survey suggests that rent rises are highest in the South West, up by an average of 42.2 per cent, and in East Anglia, where they are 31.9 per cent higher.

The Money Centre said that one third of its landlords had reported plans to increase rents within the past three months, by an average of 6.8 per cent.

The mismatch between supply and demand in homes for rent is helping to create the above-inflation increase in housing costs.

The rent for two-bedroom properties is falling, however, in some areas, including Milton Keynes, Leicester and Reading, because mortgage repayments are similar to the cost of renting. In Milton Keynes, where the rent on an average £140,700 two-bedroom home is about £177 a week, it would cost £178 to buy with a 15 per cent deposit and an interest rate of 6 per cent.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

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.

[an error occurred while processing this directive]

Related Links

• Middle classes priced out of private schools

• Hard-up Britain: holidays turn into 'staycations'

• Cry for help from debt-ridden middle class

“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.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Which One Are You - Express Day!

To change some things in your life, first YOU must change some things in your life!

Did you know that there are three types of people in the world!

Which one are you?

1) those that make things happen
2) Those that watch things happen
3) Those that wonder what the hell happend

If you want to make things happen join us at express day!
The difference between ordinary and exta-ordinary is the little word "extra" become extra-ordinary.

Remember there can be only now!

Now book yourself on express day do a little extra and change the rest of YOUR life!

Whatever the mind of man can conceive and belive it can achieve!

When you first saw the bussiness plan what did you believe was possible?what do you want from this business and when do you want it?

There are no limitations to the mind except those we acknowledge.

It has been said that once a task has been started it is half done, however will you finish what you have started?

How to book yourself on expressday!

1) Call executive service on 02089555111
2) Via the extranet!

Once you have booked yourself on expressday bring as many people with you as you can, you will kick yourself later if you don't!!

Do you wish you had seen this business years ago?
I am just glad that someone was man enough to share it with me, he just gave me a dvd and asked me to watch it! months later I rang him and asked how do I get started. How many people are sitting at home right now just waiting for someone to give them a dvd? If you don't give them the oppotunity someone else will.

Still not booked!

Ok the bottom line is this..

1) The bad news!!
Your financial future is in YOUR hands.

2) The good news!!
Your financial future is in YOUR hands.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Stock Market Had Worst Half Year Since 1970

The half year report card for global stock markets was not one to be proud of. The first half of 2008 was the worst first half to a year for the Dow Jones Industrial Average since 1970, when the index was down 14.60%. The 14.44% decline of 2008 is actually the tenth worse performance since 1900. July hasn’t exactly started off with a bang and US traders may be thankful for the long weekend last week. The S&P 500 closed the week down 1.19%, registering its lowest daily close for almost two years. June was especially hard for US markets with a drop of 8.55% for the S&P 500, and a 10.19% collapse on the Dow, making up most of the years losses to date.

The culprits are not too hard to find. The first half performance of the US financial sector was -30%, while the Energy sector managed to find a rise of 8.12%. If you were asked to list the top dangers for the global economy, you would be hard pressed to find any factors that are not already playing themselves out. Firstly we have oil prices that seem to reach new record highs with each passing week. $150 per barrel is looming ever closer. This price action is linked to the second danger, further conflict in the Middle East. Last week, a former Israeli air force commander was quoted as saying that Israel was ready to attack Iran if diplomacy fails. The Iranian oil minister has responded by saying that Iran is ready to defend itself, and that an attack on Iranian nuclear facilities would be the start of war.

Oil fuelled inflation is still causing central bankers headaches, with Citi Group today predicting that UK inflation jumped to 4.6% in June. Last week, the ECB went to great lengths to stress that the recent rate hike didn’t automatically precede a series of hikes. Nevertheless, Trichet’s firm stance on fighting inflation has caused some disagreements between the ECB and the Federal Reserve in the US. The final horseman of the apocalypse could be when the global economy finally yields to the pressures of inflation and the aftermath of the credit crunch. There are increasing signs that the world’s largest economy is slowing. Thursdays US payroll figures showed a 20% increase in unemployment year on year. Also Non Farm Payrolls shrank for the 6th consecutive month. With UK house prices going the same way as the US market, the bricks and mortar ATM is no longer paying out, and UK households are already at record levels of indebtedness. Shocking figures from Marks & Spencer last week was testament to this.

The week ahead is a quieter affair with fewer top tier announcements than the week just gone. That said, there are still some potential market moving datasets due. UK industrial and manufacturing production figures are released on Monday morning. The recent Purchasing Managers Index monthly survey of UK manufacturing was described as “truly dreadful”, with indications that this sector at least may be heading for a recession. On the same day, we provisionally have the UK Halifax Price Index delayed from last week. On the same note, US pending home sales are released on Tuesday. Bad news is expected for both, the only question being how bad the news actually is.

The week’s top ticket trading is the MPC interest statement on Thursday. The Bank of England is still stuck between a rock and a hard place, with record oil prices driving inflation, and slowing consumer spending hurting the economy. A no change verdict is widely expected to be the more likely course of action.

With next week being relatively lighter on the economic news front, BetOnMarkets.com thinks that it may be a good time for a trade that looks to profit from low volatility. A barrier range trade wins if neither of two levels are hit within the specific time period. A barrier range trade predicting that the FTSE 100 will not touch 5016 or 5875 in the next 16 days could return 10%

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

Families have £155 a month less to spend

By Harry Wallop Consumer Affairs Correspondent

DISPOSABLE incomes have fallen to their lowest for five years as household costs soar, a report claimed yesterday.

Wages have failed to keep pace with spiralling petrol, gas and electricity bills and taxes, leaving the average family with £155 less to spend at the end of each month compared with 2004.

The study by Ernst & Young, one of the country’s largest accountancy firms, calculates that the average family, with two children, has £755.52 left at the end of each month after paying essential bills. With this they have to buy food, drink, clothes, holidays and pay any school fees.

Monthly disposable income has fallen from £909.84 five years ago and from £821.69 last year, equating to a total fall of 15 per cent. The accountancy firm admits that the fall in “discretionary spend” would have been more dramatic if it had included food prices, which have risen significantly, in its collection of fixed household bills. Jason Gordon, the director of retail at Ernst & Young, said: “All consumers are painfully aware of the huge hikes in petrol and utility bills but we’ve also seen some fairly hefty price increases in pension contributions and debt repayments.

“If we go one step further and factor in food price inflation, which official figures have placed at 8.7 per cent in the last year, it’s clear that household budgets are under enormous strain. Add in the impact of falling house prices on the consumer’s propensity to spend, and the consumer economy is undoubtedly on a knife-edge.”

The figures come a day after the new deputy governor of the Bank of England, Charlie Bean, warned that living standards would continue to fall for the next year because of high oil prices.

Leading retailers, most notably Marks & Spencer, say that they have noticed a sharp and sudden deterioration in consumers’ spending power, which is likely to cause serious problems on the high street over the coming months. The Ernst & Young study says that although an average family’s income has increased over the past year by 3.7 per cent to £3,784 a month, this has not kept pace with the 9.6 per cent increase in fixed household bills, such as the costs of running a car, mortgage, pension contributions, utility bills and council tax.

Mr Gordon said: “Worryingly, though, the worst could be yet to come.

“If, as predicted, utility prices rise by as much as 40 per cent later this year and interest rates are increased to control rising inflation, consumers and consumer facing businesses will face even bleaker times.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

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.

Watch the video first, follow this link:-
http://www.extrapaynow.com


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

How To Build A Successful Business In Three Easy Steps

Since the beginning of creation and the first exchange of goods or services there has been a burning desire to succeed in one form of business or another that has overtaken many aspiring entrepreneurs.

The nature of business and industry has evolved over time and now network marketing is the hottest trend since sliced bread. Not everyone succeeds, but for those with experience, or a little insight, the rewards can be amazing.

Making money in network marketing doesn’t have to be hard. Yes, like anything, it does require determination, focus, and some luck, but if you apply the right methods, success can be as easy as 1-2-3. For example, here are three basic steps for network marketing success:

1. Find a company which will support you and your business to help you achieve your aims

2. Find a product or service that is in demand

3. Find products that will produce a steady, residual and truly passive income

You can spend a lifetime trying to obtain the necessary experience. Or you can save that time and effort by learning from others who have already paved the way. The challenge is, of course, in finding a marketing “expert” to guide you.

I am not a marketing “expert” myself. Over the years, however, I have picked up some valuable marketing insight and experience. Let me share with you the basis for my philosophy in life and marketing success.

I truly believe that success in network marketing lies in helping others. It is definitely a mutual relationship. The sense of personal achievement is much greater when you help others, and the financial rewards are much more drastic and meaningful.


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:-
http://www.extrapaynow.com

Who?

Stayed with Mr Critchley last night.
Who do you know who does another network.
Open it with I know your a networker!
Ask them 3 questions.
Are you happy with your company?
Are you happy with your upline support?
Are you happy with your income.
Avon.
Virgin Vie.
Kleenezee.
These are luxury products most people can't afford and the distributors have to resell every month.
We have the No 1 money making machine in the Uk and the next 5 years will be the best ever.
Do not listen to ,
IBE's
Instant Bleeding Experts.
Or GUPTR's
Generally Unsuccessful People Talking Rubbish.

When people say ' your not the best , your not the cheapest'
Just look at the lifestyle they have got, it's decisions they have made over the years got them there.
Were they good decisions?

Focus on you and follow your heart.
Do what successful people do and say.

Have a Supersonic Sunday.
Regards
Jimmy Chapman.


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:-
http://www.extrapaynow.com

New buyers told to weather the negative equity storm

First-time buyers have been advised not to panic if they find themselves in negative equity. New buyers should remain calm and try to weather the storm. It comes as house prices across the UK fall and people who bought their houses within the last two years face the prospect of owning a property which is no longer worth what they bought it for.

If it is your home, it is an individual purchase, it is about you and the decisions you make. Do you stay living in your house because it has lost £20,000 in value? Of course you do because it is your home and you know eventually you will pay that mortgage off. Perhaps a £20,000 dip in year three and four of your mortgage is more than outweighed by the fact that in year ten to fifteen of your mortgage you will be in positive territory and you can see a finishing line for paying off your original debt.

If you find yourself in a bit of negative equity, weather the storm if you can.

Halifax reported that house prices fell by 1.3 per cent in April.

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:-
http://www.extrapaynow.com

Now Is the Time To Join a Recession Proof Industry!

Is there ever a better time to get involved with a company with:

- products and services people always need in a recession
- massive growth potential
- no debt
- £36 million+ in the bank
- huge earnings potential

What are you waiting for?

Call Juswant on 07917 105134 or email on juswant.rai@gmail.com if you are interested right now....

Watch the video first, follow this link:-
http://www.extrapaynow.com