A credit card can be a lifeline in these turbulent times. From helping you get refunds to providing you with interest-free debt, here’s how your flexible friend can help fix your finances.

Customers who are struggling to get their money back for travel, accommodation, events or anything else that has been cancelled may be able to get a refund from their credit-card provider. Under Section 75 of the Consumer Credit Act, your credit-card provider is jointly liable if you don’t receive goods or a service that you paid for with your credit card.

The item has to have cost between £100 and £30,000, but you only need to have paid for part of it on your credit card to be protected for the whole amount. This can help if a company is refusing to give you a refund, or if they have gone bust. To make a claim contact your credit-card provider. 

If your income has dropped and you are worrying about making your card repayments, don’t panic. The Financial Conduct Authority has brought in emergency rules that mean lenders are expected to offer customers a payment freeze of up to three months.

This shouldn’t affect your credit rating. If you need to minimise the interest accruing on your debt, there are still some balance-transfer credit cards available with an interest-free deal.

TSB’s Platinum 30 Month Balance Transfer card has the longest interest-free period at two and a half years – but you’ll pay a 2.95% transfer fee. If you don’t need that long, then Santander offers 18 months at 0% on balance transfers with no fee at all.

Just remember to plan how to pay your debt off before the interest-free period ends. Anyone building up Air miles may worry about airlines going bust if the crisis drags on.

So if you earn loyalty points through credit cards with the intention of turning them into Air miles, such as Tesco Club card or American Express – you’re better off leaving any balance on the card for now: they can either be converted into Air miles later or used for other rewards. Air miles can’t be converted back, but Avios points can be used to buy alcohol instead.

However, this is expensive: it costs around two points per penny, compared with one per penny for flights. Virgin Flying Club points can be shifted into hotel reward schemes such as the IHG Rewards Club or the Hilton Honours, although again, unfortunately, the conversion rates are worse than for flights

Interest Rates Are Dwindling Quick

Santander is to cut the interest rate on its popular 123 current account from 1% to 0.6% from 3 August. The rate had been 1.5% until last month. In three months customers holding the full balance (£20,000) will have gone from earning up to £302 a year in interest to £120, but the bank will continue to charge… £5 a month.

What’s more, this month Nationwide cut the rate on its Flex Direct account from 5% to 2% on balances up to £1,500. The 2% rate is still the highest on a current account. But you only get it if you pay in £1,000 a month and it drops to 0.25% after a year. 

The upshot? Stop trying to save and spend from the same account. The top easy access savings accounts from Investec, Marcus and RCI Bank pay 1.2%… with no monthly fee.

If you want cashback on your bills, Santander’s 123 light account offers the same cashback rates as its standard one but with a lower £1 fee and no interest. You can earn up to 3% cashback, capped at £15 a month. Taking that fee into account the most an account holder can earn is £168 a year.

Putting your money in some safe stocks would be a much better option.

Today’s National Day  

NATIONAL FRESHEN UP FRIDAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

  It didn’t come as a surprise to me when 2 banks intervened and literally blocked their customers from hearing from me, even though everything I was saying is 100% legal.  

  That’s because I’ve been exposing how the banks constantly take advantage of the little guy. 

But now the tables have turned… 

  I doubled my money by legally intercepting unofficial bank messages. 

  But the best part is that banks can’t stop us from milking this over and over again!  

  And now I’m giving you the opportunity to copy me… 

  Just give me a few minutes of your time. 

I’ll explain all of this when you visit: 

www.streetwisenews.com/code 

 Kind Regards, 

 Jim Hunt

For many small businesses, the key to getting through the Covid19 pandemic may be negotiating a sympathetic arrangement with the landlord or key suppliers. Are they prepared to offer rent or payment holidays during the height of the crisis to help you with short-term cash-flow pressures?

In practice, it will be in the interests of many landlords and suppliers to help rather than lose tenants and customers altogether. But to negotiate the right deal, you need to approach the situation carefully and sensitively. Start with a clear plan. What do you need from your landlord and for how long do you need this support?

Strike a balance between asking for all the help you will realistically need, going back later to ask for further forbearance may get a negative reaction, and pushing too hard. Landlords and suppliers will have their own pressures. 

Talk to your landlord and suppliers as soon as you can, ideally before you miss any payments. The later you leave it, the weaker your negotiating position will be. Set out the benefits of offering your business help: where possible, remind landlords and suppliers of your good payment history and strong credit score and provide detail of your longer-term prospects.

Make the point that others in your sector – potentially alternative tenants and customers -will be in the same boat as you. Where you can pay at least something, offer to do so. This will often be better received than a request for a complete payments holiday. It also means the landlord or supplier will be better off with you than with no customer or tenant at all.

The Idle Opportunity

According to The Sunday Telegraph, Britons use their lawnmowers for an average of just four hours a year. They’re being kept pretty busy compared to power tools though, which are used for an average of 20 minutes throughout their entire lifespan! 

There just has to be an opportunity lurking in these statistics. Wouldn’t people be far better off renting these things when they need them? And if you could create a service which made it really easy to get hold of them – perhaps dropping them off and then picking them up again – might that form the basis of a profitable business?

And might all these under-used lawnmowers and power tools be mobilised in your new business in some way – providing an income for their owner and a ready source of ‘rental stock’ for the business? 

Something to think about perhaps.

Today’s National Day  

NATIONAL TAKE YOUR DOG TO WORK DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

  It didn’t come as a surprise to me when 2 banks intervened and literally blocked their customers from hearing from me, even though everything I was saying is 100% legal.  

  That’s because I’ve been exposing how the banks constantly take advantage of the little guy. 

But now the tables have turned… 

  I doubled my money by legally intercepting unofficial bank messages. 

  But the best part is that banks can’t stop us from milking this over and over again!  

  And now I’m giving you the opportunity to copy me… 

  Just give me a few minutes of your time. 

I’ll explain all of this when you visit: 

www.streetwisenews.com/code 

 Kind Regards, 

 Jim Hunt

The government’s latest initiative for cash-strapped small businesses struggling to cope with Covid-19 pandemic has gone live and is likely to prove hugely popular.

The Bounce Back loans scheme, announced by Chancellor Rishi Sunak, aims to help tens of thousands of small businesses struggling to secure finance from the Coronavirus Business Interruption Loan Scheme (CBILS), which has been criticised as overly bureaucratic and too exclusive.

Administered by the British Business Bank and the same panel of more than 50 lenders participating in CBILS, the terms of the Bounce Back scheme really are exceptionally generous. Businesses can borrow up to £50,000 at a fixed interest rate of 2.5%, no matter which lender provides the advance (you don’t have to apply to your own bank).

The government guarantees the lender that it will stand behind the loan in full if the business defaults on repayments, which means lenders do not have to waste time conducting credit checks.

A simple standardised application form should also mean loans go through very quickly. Cash could be in companies’ accounts within days of their online applications. Bounce Back loans will be repayable over six years, though early repayments can be made without penalty.

There are no repayments to make in the first year and lenders are not allowed to ask for personal guarantees from the company’s directors. Importantly, while the scheme is aimed at the smallest businesses, the eligibility criteria set no maximum size constraints, whether by number of employees, turnover or balance sheet.

Borrowers simply have to certify they are UK-based, that they’ve been adversely affected by the Covid-19 pandemic, that they’re not currently in bankruptcy or liquidation and that they’re not making use of any other Covid-19-related government loan scheme.

The upshot is that for any business in need of less than £50,000 to see them through the Covid-19 crisis, the Bounce Back scheme is head and shoulders above any of the government’s other initiatives, including CBILS.

And even if you think you may need more than that in the end, Bounce Back is worth considering in the short term; it’s possible that you’ll be able to convert the loans into a CBILS facility later on. Equally, CBILS loans of less than £50,000 can now be converted into Bounce Back finance, which is likely to be a good option for most borrowers.

However, even if you don’t need finance to survive the crisis, don’t overlook this new scheme. The terms are so good that this could be a valuable opportunity to refinance other types of debt, expensive credit-card borrowing or bank loans, for example, or even to finance investment. This is legitimate under the terms of Bounce Back

Money Statistics

31 – The number of tonnes of gold belonging to Venezuela that is held in the Bank of England’s vaults, worth around £1.3bn at today’s prices. The government of President Maduro has asked for some of it to be sold, but the Bank has so far refused. Britain recognises Juan Guaidó, the opposition leader, as the legitimate president of Venezuela.

61 – The percentage of investors and business owners with investable assets or annual revenues of at least $1m who are waiting for stocks to fall by 5% to 20% before buying shares again.

Today’s National Day  

NATIONAL WORLD BARTENDER DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

  It didn’t come as a surprise to me when 2 banks intervened and literally blocked their customers from hearing from me, even though everything I was saying is 100% legal.  

  That’s because I’ve been exposing how the banks constantly take advantage of the little guy. 

But now the tables have turned… 

  I doubled my money by legally intercepting unofficial bank messages. 

  But the best part is that banks can’t stop us from milking this over and over again!  

  And now I’m giving you the opportunity to copy me… 

  Just give me a few minutes of your time. 

I’ll explain all of this when you visit: 

www.streetwisenews.com/code 

 Kind Regards, 

 Jim Hunt

It seems unlikely that you will be able to jet off for a summer holiday this year. However, if you had a trip booked from March onwards you may be struggling to cancel and get your money back. Many tour operators, airlines and accommodation providers… have tried to persuade customers to rearrange their trips or accept credit vouchers for future holidays instead of a cash refund.

You are entitled to a full refund from your tour operator or airline within 14 days of cancellation. But a study by consumers’ association Which? found that all 20 of the biggest travel firms, including TUI and British Airways, were missing the two-week deadline. If you are struggling then the Competition and Markets Authority would like you to get in touch with examples of bad practice.  

Mention this to the company failing to provide your refund. It could make all the difference. Remember too that the travel company isn’t your only route to a refund. If you paid for something with your credit card, you can also approach your card provider to give you your money back.

Under Section 75 of the Consumer Rights Act your credit card provider is jointly liable if you don’t get the service or goods you paid for. Section 75 covers purchases between £100 and £30,000. But you don’t have to have paid for the entire thing on your credit card. Even if you only put the deposit on your credit card you can still get the full cost back. To make a claim you can print off a template letter from Which? or MoneySavingExpert. 

Fill it out with your details and send it off to your credit card company. You’ll have to prove that you couldn’t get a refund directly from the company as part of your claim, so try that route first. If you paid with your debit card you may be able to get your money back through your bank. Chargeback rules allow you to claim for goods or a service within 120 days of purchase.

To start a claim, contact your bank to dispute the transaction. The limitation is you can’t use Section 75 or Chargeback if you want money back for a holiday, trip or event that hasn’t been cancelled yet. If you are worrying about a summer holiday you’ll have to wait until the provider has cancelled it, and you’ve tried to get a refund from them, before you can fall back on your card protection.

Finally, remember your travel insurance. If you booked your trip before the coronavirus crisis and can’t go you may be able to claim on your insurance.

Shares We’re Buying  

Moderna, Inc. (MRNA) a nearly 10-year-old Massachusetts-based biotech company, suddenly the talk of the scientific community after they announced last month positive indications from their early work on a potential vaccine against the novel coronavirus. The stock has gone up by over 40%

Today’s National Day  

NATIONAL MAKE MUSIC DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

  It didn’t come as a surprise to me when 2 banks intervened and literally blocked their customers from hearing from me, even though everything I was saying is 100% legal.  

  That’s because I’ve been exposing how the banks constantly take advantage of the little guy. 

But now the tables have turned… 

  I doubled my money by legally intercepting unofficial bank messages. 

  But the best part is that banks can’t stop us from milking this over and over again!  

  And now I’m giving you the opportunity to copy me… 

  Just give me a few minutes of your time. 

I’ll explain all of this when you visit: 

www.streetwisenews.com/code 

 Kind Regards, 

 Jim Hunt

Most crises ultimately turn out to be outstanding times to invest. There are obvious exceptions to this rule: buying shares in St. Petersburg in 1917 or Shanghai in 1949 in the hope that the situation would improve did not work out.

But assuming that the entire economic and political system in which you live is not going to be turned upside down, in which case the best investment may be some gold and a ticket to somewhere far afield, people usually look back in admiration at those who kept calm and bought at the bottom.

There are two barriers to being one of these investors. The first is identifying when you’ve hit the bottom. The second – which is often underestimated – is the sheer psychological difficulty of investing when all the news is bad, other investors are selling and everything is telling you to do so as well. There is no easy answer to either of these problems, but pound-cost averaging is one of the simplest strategies we can use. 

Pound-cost averaging, also known as drip-feeding, is less sophisticated than the name sounds. It simply means feeding a sum of money into the market at regular intervals rather than in one go. So if you have £1,200 to invest this year, you might invest £100 per month. If you have £12,000, you invest £1,000 per month. The advantage of investing this way is that it reduces the risk (and pain) of buying just before the market drops.

If you put all your money in UK shares this month and the FTSE 100 drops steadily over the next year to end up down 30%, your portfolio is also down 30%. If you invest equal amounts monthly, your portfolio may end the year down half that – making it easier to hold your nerve and wait for the recovery.

Obviously if markets rise rather than fall over the time you are averaging your investments, you will make smaller profits than you would if you bought at the start. And the outcome can never be as good as it would be if you somehow invested everything right at the bottom.

Upcycling Opportunity  

I was reading about a business run by Scott Hamlin in Portland Oregon, and wondered how many other people might be able to cash in on something like this. 

Hamlin’s company, Loop works buys up end-of-line, unwanted fabric from warehouses in Asia which is destined for landfill or the incinerator. It then turns it into shirts, skirts, laptop sleeves and backpacks. The company is very much for profit, but has a strong environmental ethos. 

Any enterprise that has a positive environmental impact will be well received by prospective customers and the media. Upcycling (converting waste materials or useless products into new materials or products of better quality) is environmentally friendly and can be highly profitable if done well.

Are there upcycling opportunities in your sphere of expertise? Do you know of any waste materials that could form the basis of a new upcycling opportunity?

Today’s National Day  

NATIONAL BATH DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer 

I hope that you and your family are well. 

I don’t have to tell you that the Coronavirus outbreak has changed everything, and nowhere more so than in the world of sports betting. With almost all our regular ‘go to’ profit makers like European football, horse racing and golf on hold, you might be excused for thinking that the opportunity to make a lucrative extra income from sports betting was gone – at least for now. 

That’s what we thought until we heard from a guy called Craig Russell and how
he was… 

Making an extra £150-£250 a week exploiting the ‘invisible’ betting opportunities exposed by the Coronavirus mayhem.

 You see Craig isn’t your typical sports bettor. Long before anyone had heard of coronavirus, he was shunning the sort of events most of us bet on in favour of little-known sports, events and fixtures taking place in obscure locations. 

Why did he concentrate on those? 

Because he figured that the less ‘pro’s’  there  were  looking  at  these  obscure markets, and the more time he spent studying them, the greater edge he’d have over the competition. 

Obvious when you think about it. 

So why this message? 

Because it seems like now is the perfect time to bring this to a wider audience…but not much wider! 

You see, in conjunction with Craig we’ve put together a totally unique service which is tailor-made for the times we find ourselves in. But there will only be 100 places available. Ever.

For full details on what’s involved and why the limit, take a LOOK NOW.If an extra couple of hundred pounds tax-free income would be worthwhile to you right now, I’d urge you to get in touch without delay. These places are really going to go fast.  

  For full details CLICK HERE

  Very Best Wishes, 

  John Harrison
  Streetwise Publications 

  P.S   Almost forgot…you can get started with this for just £9.95.  I’m pretty sure that makes it our cheapest service ever. Why? Well take a look now  and all will be revealed. 

www.streetwisenews.com/LP

Over the last three months, most of us will have been glad of any uninvested cash in our portfolios. That’s partly for reassurance: since we don’t know how long the coronavirus crisis will drag on and quite how terrible the economic consequences will be, it’s psychologically easier to feel we have a bit of a buffer to cover any unexpected expenses or losses to our income.

We don’t want to have to sell investments at depressed prices or rely on dividends when they are being slashed. But more optimistically, having excess cash lets us take advantage of any opportunities that the market plunge throws up.

While cash normally seems like the dullest part of a portfolio, crises are a sharp reminder of why many notable investors see it as something valuable. For example, Warren Buffett thinks of cash differently to conventional investors. He thinks of cash as a call option with no expiration date, an option on every asset class, with no strike price.

That’s a technical way of putting it, but it captures an interesting idea. It’s natural to feel that holding cash is silly if we can’t earn much of a return on it. At best, we may get a long-term return slightly above inflation; more likely in today’s world of ultra-low interest rates, we will see its value eroded.

That’s frustrating, but thinking of cash as an option tells us why it’s not necessarily wrong to accept that small ongoing loss.

We can justify it as the premium we pay to have this option and be able to exercise it on those rare occasions – perhaps just once or twice a decade – when there are compelling opportunities (as is arguably the case today – not across the entire market, but in certain areas such as emerging Asia).

Of course, that only makes sense if the price we are paying for the option is reasonable. In deflation, the value of our cash will increase, so we’re even being paid to keep our options open.

In hyperinflation, holding cash will be disastrous – its value will be destroyed – but you might hold a more stable foreign currency instead. At times like now, the loss is small (inflation is 1.5% and falling, you can earn 1% on deposit) and quite tolerable.

But what of a high-but-not-hyper inflation scenario – like the one that might follow this vast expansion in government spending? In the inflationary 1970s, cash didn’t do too badly – while interest rates and bond yields lagged inflation, they followed it up.

That might not be the case next time – in which case, we might need to reassess the cost of consistently having, say, 10% in cash. But for now, with a bit of value emerging, cash is showing  why it pays to have something in reserve for when boom turns to bust! 

Today’s National Day  

NATIONAL MAKING LIFE BEAUTIFUL DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer 

I hope that you and your family are well. 

I don’t have to tell you that the Coronavirus outbreak has changed everything, and nowhere more so than in the world of sports betting. With almost all our regular ‘go to’ profit makers like European football, horse racing and golf on hold, you might be excused for thinking that the opportunity to make a lucrative extra income from sports betting was gone – at least for now. 

That’s what we thought until we heard from a guy called Craig Russell and how
he was… 

Making an extra £150-£250 a week exploiting the ‘invisible’ betting opportunities exposed by the Coronavirus mayhem.

 You see Craig isn’t your typical sports bettor. Long before anyone had heard of coronavirus, he was shunning the sort of events most of us bet on in favour of little-known sports, events and fixtures taking place in obscure locations. 

Why did he concentrate on those? 

Because he figured that the less ‘pro’s’  there  were  looking  at  these  obscure markets, and the more time he spent studying them, the greater edge he’d have over the competition. 

Obvious when you think about it. 

So why this message? 

Because it seems like now is the perfect time to bring this to a wider audience…but not much wider! 

You see, in conjunction with Craig we’ve put together a totally unique service which is tailor-made for the times we find ourselves in. But there will only be 100 places available. Ever.

For full details on what’s involved and why the limit, take a LOOK NOW.If an extra couple of hundred pounds tax-free income would be worthwhile to you right now, I’d urge you to get in touch without delay. These places are really going to go fast.  

  For full details CLICK HERE

  Very Best Wishes, 

  John Harrison
  Streetwise Publications 

  P.S   Almost forgot…you can get started with this for just £9.95.  I’m pretty sure that makes it our cheapest service ever. Why? Well take a look now  and all will be revealed. 

www.streetwisenews.com/LP

What do you do with your wedding dress after the big day? It’s not like you’re going to wear it again.

What do you do if you’re a bride about to get married, and your choice in dresses can best be summed up as ‘Champagne taste and beer money!

The answer to both questions forms the basis of a simple business opportunity for anyone with a spare room at home. 

Not all brides would want to sell their wedding dress, and not all prospective brides would want a pre-owned dress, but there are enough in each category to make The Second-Hand Wedding Dress Business, a viable opportunity.

It’s a very simple idea which has become increasingly popular in the United States. Buy dresses in at a price that enables you to sell at half the retail price, and customers will come.

All you need is a room at home to use as make shift showroom, and a relationship with a seamstress to carry out the inevitable alterations.

Talk To The Manager

Review sites like Trip Advisor are a big potential problem for restaurant owners. A customer has a disappointing experience and feels the need to let off steam. In the past that would have been to a handful of friends and contacts, but today they can tell the world. 

A new service called Talk To The Manager attempts to bridge the gap between restaurant management and their customers, and defuse any potential issues before they get out of hand. It’s almost like an interactive feedback card for the 21^st century. 

Restaurants sign up for the service and receive a dedicated phone line. They can then down load pre-printed stickers and cards encouraging customers to text their comments to the phone number.

This enables restaurant owners and managers to intercept and deal with any negativity before it reaches a wider audience. The cost of the service is £29.95 per month. 

This is a US service, based in Seattle. Might something similar work here in the UK? I can see no reason why not. Sign up 100 restaurants or so and you have a nice ongoing regular repeat income.

Today’s National Day  

NATIONAL HERBS AND SPICES DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer 

I hope that you and your family are well. 

I don’t have to tell you that the Coronavirus outbreak has changed everything, and nowhere more so than in the world of sports betting. With almost all our regular ‘go to’ profit makers like European football, horse racing and golf on hold, you might be excused for thinking that the opportunity to make a lucrative extra income from sports betting was gone – at least for now. 

That’s what we thought until we heard from a guy called Craig Russell and how
he was… 

Making an extra £150-£250 a week exploiting the ‘invisible’ betting opportunities exposed by the Coronavirus mayhem.

 You see Craig isn’t your typical sports bettor. Long before anyone had heard of coronavirus, he was shunning the sort of events most of us bet on in favour of little-known sports, events and fixtures taking place in obscure locations. 

Why did he concentrate on those? 

Because he figured that the less ‘pro’s’  there  were  looking  at  these  obscure markets, and the more time he spent studying them, the greater edge he’d have over the competition. 

Obvious when you think about it. 

So why this message? 

Because it seems like now is the perfect time to bring this to a wider audience…but not much wider! 

You see, in conjunction with Craig we’ve put together a totally unique service which is tailor-made for the times we find ourselves in. But there will only be 100 places available. Ever.

For full details on what’s involved and why the limit, take a LOOK NOW.If an extra couple of hundred pounds tax-free income would be worthwhile to you right now, I’d urge you to get in touch without delay. These places are really going to go fast.  

  For full details CLICK HERE

  Very Best Wishes, 

  John Harrison
  Streetwise Publications 

  P.S   Almost forgot…you can get started with this for just £9.95.  I’m pretty sure that makes it our cheapest service ever. Why? Well take a look now  and all will be revealed. 

www.streetwisenews.com/LP

Food supplements are big business throughout the western world, and it was only a matter of time before preventive medicine expanded to cover all members of the family …even the dog.

We’re already seeing advertisements for canine food supplements on mainstream TV, and to the casual observer, it would seem (perhaps as you might expect) that the rules and regulations on advertising claims aren’t anyway near as stringent as those for products created for human consumption.

As we’ve said here many times before, there seems no end to the amount of money people will spend on their pampered pooches.

It appears that the pet supplement business may have less barriers to entry than that for human supplements, so this could be worth some further investigation.

I think there’s an opportunity for someone to create a blockbuster product in this field, and the marketing angle will be the key.

I’m not suggesting this will be easy, but I am suggesting that there’s a fortune waiting to be made by someone here with the right idea. I’ll repeat – marketing will be the key that unlocks the fortune. 

Persistence Pays

It’s easy to assume that the huge enterprises that make it big were lucky, or had it easy from the start. This is rarely the case. 

In a recent TV interview, Amazon founder Jeff Bezos told how the company almost failed to get off the ground. Bezos says it took over 60 meetings to raise the million dollars the company needs to launch. In the end, the money came from 22 people who contributed $50,000 each. 

How many people would have given up after 5, 10, 20, or 30 meetings? The truth is that the vast majority would. Bezos persisted and the result is there for all to see. 

No matter how good your idea, it will only come to fruition with persistence. The world is rarely hanging around waiting for what you’re about to offer it, no matter how good that thing might be.

Today’s National Day  

NATIONAL HYDRATION DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

Imagine sitting down this afternoon and tapping out a simple letter. It takes you perhaps a couple of hours to get it right… 

And Then Over The Next Few Years It Brings In Over £5 Million.  

Pure fantasy?  

Not at all. I’ve done it. I’ll even show you the letter. And I’ve written lots of others just like it, although they weren’t all quite as successful as that one.  

But Even So, Many Of Them Landed Thousands Of Pounds In My Bank Account Within Days, and Hundreds of Thousands Within Weeks. 

Like to learn how to do the same? 

Well there has really Never Been A Better Time for three reasons… 

1. These letters bring in serious money when times are tough – and they don’t come much tougher than they are right now.

2. These letters are even more powerful when the world is relying on the internet for its requirements, just like it is right now.

 3. You probably have some free time available to learn how to do this at the moment.

Allow me to show you, for more details CLICK HERE

This is an exciting and realistic alternative to the gloom which is all around us today – an escape route. It’s an alternative that can quickly see you banking more than enough money to see yourself and your family right through this current crisis and then into uncharted financial success when all this is over.

This comes with a 100% cast iron 90 day money back guarantee. There is absolutely no risk to you to take a look.

www.streetwisenews.com/OLR/

I’m not really sure what to make of this one. I read the story online and a big piece seems to be missing. Perhaps you can fill in the gaps. 

Brian Hartley used to be an army intelligence officer, but now he makes his money spying on car parks. Hartley visits parking facilities in the Boston area and reports on everything from cleanliness to size of bays through to friendliness of the attendants. Effectively he’s a secret shopper for parking facilities.

The puzzling bit comes when he says that he receives his assignments from a woman in Michegan, sends her his reports and receives a monthly cheque. Why this woman wants to know about Boston car parks isn’t clear! Maybe she’s providing feedback to car park owners for a fee, or is feeding information to some sort of consumer site for divers. 

The principle is an interesting one though. There must be a lot of facility owners (not just car parks) who are located remotely and would welcome feedback on how the facility, and their locally based staff, is being perceived on the ground.

Secret shopping has many facets. Is there a premises or service facility you could specialise in? 

Harnessing Power 

One trend that is unlikely to disappear any time soon, is the move towards anything eco-friendly and which saves a power.

A company called the Tango Group has just developed a water powered radio which uses a patented micro turbine technology to harness the power of water running up a shower pipe. If it wasn’t used to power the radio, it’s energy that would literally go down the drain. 

It seems to me that this technology could be used to harness other water flows and for other purposes. I don’t know what the full potential is, but there could be an opportunity for someone with technical expertise and entrepreneurial flair to partner the company and take it to the next level. 

When you start to think about it, there are a host of energy sources which go to waste because they’re not harnessed in anyway.

Just imagine how much power you’d generate if you harnessed all the energy expended on running machines, rowing machines and exercise bikes in gyms, for example. My rough calculation suggests that one hour on a rowing machine will generate enough energy to power a one kilowatt fire for an hour. 

I don’t pretend to understand the technicalities here, but am convinced that there are major breakthroughs in harnessing untapped power, yet to be made.

This is a huge opportunity for the right person or company. 

Today’s National Day  

NATIONAL GOLF DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

Imagine sitting down this afternoon and tapping out a simple letter. It takes you perhaps a couple of hours to get it right… 

And Then Over The Next Few Years It Brings In Over £5 Million.  

Pure fantasy?  

Not at all. I’ve done it. I’ll even show you the letter. And I’ve written lots of others just like it, although they weren’t all quite as successful as that one.  

But Even So, Many Of Them Landed Thousands Of Pounds In My Bank Account Within Days, and Hundreds of Thousands Within Weeks. 

Like to learn how to do the same? 

Well there has really Never Been A Better Time for three reasons… 

1. These letters bring in serious money when times are tough – and they don’t come much tougher than they are right now.

2. These letters are even more powerful when the world is relying on the internet for its requirements, just like it is right now.

 3. You probably have some free time available to learn how to do this at the moment.

Allow me to show you, for more details CLICK HERE

This is an exciting and realistic alternative to the gloom which is all around us today – an escape route. It’s an alternative that can quickly see you banking more than enough money to see yourself and your family right through this current crisis and then into uncharted financial success when all this is over.

This comes with a 100% cast iron 90 day money back guarantee. There is absolutely no risk to you to take a look.

www.streetwisenews.com/OLR/

The government’s pledge of support for household incomes is welcome. But that can’t be the end of it. Outgoings are also of concern, not the least of which are debt repayments.

Debt weighs most heavily on the poor, both in terms of borrowing costs, type of debt and as a proportion of income. The government should learn from the mistakes of the 2008 financial crisis and make sure it is not just the wealthy who benefit from the bailouts.  

The poorest quarter of the population are far more exposed to consumer debt than anyone else, the median level of consumer debt constituted 17% of their pre-tax income, compared with only 4% for those in the richest fifth of the population. 

Households are also struggling with other debts. If you miss a single payment of council tax, for example, then the whole yearly sum can become due. In 2018, the charity Citizens Advice found that 2.2 million households in England and Wales were behind on their council tax.

The number of callers to the National Debt Line with council tax arrears hit 30% last year, up from 15% in 2008. Mortgage and rent payments and debt to energy and car companies add to the burden. It would not take much for the poorest among us to “go to the wall” and this current emergency is “anything but small”. Claims for universal credit are already soaring.  

The financial regulator has just taken steps to help by ordering banks to offer interest-free overdrafts of up to £500 and payment holidays on credit and store cards and loans. Such measures are welcome, but could go further.

Payment holidays on car loans, utility bills and on rent, for example, would make sense, and credit ratings need to be protected. The state should forgive late payments of council and other taxes and loosen terms on the debts owed to it.

It is the moral and financial responsibility of the government to prevent this turning into a widespread personal debt crisis and one that especially impacts the poor. A widespread bankruptcy crisis would hurt creditors as much as debtors and suppress the value of assets for years and years to come.

In 2008, the finance industry was saved by bailouts. It is now time for the institutions concerned to play their part in saving the people. 

Do The Opposite  

Clark Wolfsberger has spent the bulk of his career developing and marketing energy drinks, but his latest venture couldn’t be more different. Because in his latest venture, he’s launched a drink called Beauty Sleep, which as the name suggests, is a sleep enhancer.

The drink is sold at over 500 spa’s and is on target to sell 265,000 bottles this year. 

There are often valuable insights (and lucrative opportunities) to be had in turning a business on its head. If your business is all about keeping people warm, how about keeping them cold instead?

That might lead you to think about the reasons and circumstances that people need to be kept cold, and a whole new product line – air conditioning perhaps. If your business is about helping people lose weight, how about helping them gain weight instead?

That may lead you to start thinking about the type of people who want to gain weight…bodybuilders, people convalescing from illness etc…and how you might be able to tailor a weight-gain product for them. 

Whatever business you’re in, there’s the possibility to turn it on it’s head and see what otherwise hidden or unconsidered opportunities the process throws up.

Today’s National Day  

NATIONAL WORKAHOLICS DAY!

PUBLISHERS NOTICE  

Dear Streetwise Customer,

Imagine sitting down this afternoon and tapping out a simple letter. It takes you perhaps a couple of hours to get it right… 

And Then Over The Next Few Years It Brings In Over £5 Million.  

Pure fantasy?  

Not at all. I’ve done it. I’ll even show you the letter. And I’ve written lots of others just like it, although they weren’t all quite as successful as that one.  

But Even So, Many Of Them Landed Thousands Of Pounds In My Bank Account Within Days, and Hundreds of Thousands Within Weeks. 

Like to learn how to do the same? 

Well there has really Never Been A Better Time for three reasons… 

1. These letters bring in serious money when times are tough – and they don’t come much tougher than they are right now.

2. These letters are even more powerful when the world is relying on the internet for its requirements, just like it is right now.

 3. You probably have some free time available to learn how to do this at the moment.

Allow me to show you, for more details CLICK HERE

This is an exciting and realistic alternative to the gloom which is all around us today – an escape route. It’s an alternative that can quickly see you banking more than enough money to see yourself and your family right through this current crisis and then into uncharted financial success when all this is over.

This comes with a 100% cast iron 90 day money back guarantee. There is absolutely no risk to you to take a look.

www.streetwisenews.com/OLR/