You might not be able to shield your shares from a falling stockmarket, but you can at least protect your investments from the taxman with a stocks and shares individual savings account (Isa).

The Isa “wrapper” is a tax-efficient way to invest in shares, unit trusts, investment trusts, exchange-traded funds (ETFs), open-ended investment companies (Oeics), real estate investment trusts (Reits), and both corporate and government bonds.

You can even park your cash here while you’re scouting around for what to buy next. Just make sure to be aware that, depending on your provider, you may not earn interest on your cash while you decide what to subsequently invest in. That’s what cash Isas are for.

Still, with a stocks and shares Isa, you won’t pay any capital gains tax (CGT) on your investments. Better yet, any income, whether dividends from shares or interest on bonds, is also sheltered from tax in your Isa.  

Remember that the value of your stocks and shares Isa can go down as well as up. If it does fall then you can’t top it back up if you’ve used up your £20,000 allowance already. And remember, that £20,000 allowance is spread between all of your Isa accounts, not just the one.

So, for example, you might put £10,000 in a cash Isa and £10,000 in a stocks and shares Isa. But in this scenario, if the value of your stocks and shares Isa falls, you will have to wait until the start of the next tax year to pay in more money. You can, of course, transfer money into your stocks and shares Isa from, say, your cash Isa. 

What if you already have investments outside of a tax wrapper that you would like to save into your stocks and shares Isa? Not a problem. There is quite a useful trick known as the “bed and Isa”.

First you sell your investments on your trading platform. Then you can buy them back inside your stocks and shares Isa. It’s as simple as that. Because the investments were outside of the tax wrapper when you sold them, they will be subject to your £12,000 CGT allowance for the year.

If you are in danger of breaching that limit, consider selling your investments in different tax years. Otherwise, you can transfer an investment to a spouse who hasn’t yet used up their allowance. They can then sell it and buy it back in their Isa.

Because investment platforms do the selling and then the buying in rapid succession when they carry out Bed and Isa services, the good news is your exposure to price movements in the market is kept to a minimum. 

There are several things to consider when choosing an investment platform for your stocks and shares Isa. Some charge a flat fee, good news if you have a lot of money invested (over £25,000). Other platforms will charge a percentage of the value of your funds, which suits better if you are investing smaller sums.

Then there’s the fee you will be charged for buying and selling investments. And finally, there’s the range of investments that they offer, as well as the small, but important things, such as reliability and customer service. 

Lockdown Shaming 

“Lockdown shaming” has become the latest ammunition in neighbourhood feuds. Police are urging the public to stop exploiting the coronavirus lockdown to settle neighbourhood vendettas after forces reported being “inundated” with thousands of daily allegations of people breaching coronavirus restrictions.

The West Midlands police, the second largest force in England and Wales, revealed it had been receiving 1,000 Covid-19 related calls a day. The majority of reports were for low-level incidents, such as neighbours reporting someone they had seen walking the dog twice in a day.

However, some are ongoing neighbour disputes and nothing to do with coronavirus. The police have asked the public to curb “deliberate false reporting” to punish nuisance neighbours or settle long-running feuds. However, the other side of the coin is overzealous policing.

We’ve had a glimpse of what a very British police state might look like. Police across the country have confused government guidance with actual law, busting people for illicit Easter egg purchases and scrambling drones over the Peaks to reprimand walkers.

Today’s National Day  

NATIONAL GO BAREFOOT 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/

Most of the non-essential parts of the British economy have been put on hold by the coronavirus lockdown and the housing market, core as it may seem to many of our lives, is no exception.

With moving during the lockdown period being heavily discouraged by the government and many lenders now refusing to lend to those with anything less than a 40% deposit, property website Zoopla reckons that the number of houses sold in UK will fall by at least 60% in the next few months.

There are several factors behind the move – the shutdown has reduced banks’ capacity to process loans, surveyors are unable to value properties as easily and estate agents can’t show people around homes.

On top of that, it’s hard to value a house when transactions have dried up and there are no comparable deals going through, and it’s hard to write loans when job security across almost all industries and seniority levels is suddenly in question.

So for now, the property market is effectively frozen. Price data will be virtually meaningless in the coming months, as pretty much the only deals being done right now will be between those who are forced to sell and those who are cash buyers. 

So what happens when the lockdown is over? A lot depends on the state of the economy, and also the level of restrictions on movement that remain. On that front, estate agents argue that there will be plenty of pent-up demand from both buyers and sellers, given that mortgage approvals in February hit their highest level since 2014.

Cheap funding available to banks from the Bank of England should mean the mortgage market remains open and rates stay low once the worst of the crisis is past, even if the riskiest loans are no longer on offer. But this might be wishful thinking. House prices are indeed largely dictated by the price and availability of credit.

Meanwhile, a key source of demand in some areas, mini-Airbnb empires in tourist hotspots, will also suffer as holiday landlords who were burned during the lockdown sell out.

In the longer run, interest rates are unlikely to rise because the Bank of England will be forced to hold them down, given soaring government borrowing. In time that could result in inflation, which would make property appealing as a “real asset”. 

But that may take time, we expect house prices to fall by just 3% this year, but there are many risks that could undermine this forecast, a larger-than-hoped rise in unemployment being the key one.

That said, if you are keen to move, then look to the shires.

In relative terms at least, if there is any wider shift to working from home more regularly, you’d expect country properties to outperform city ones, while towns and villages once deemed to be on the fringes of commuting range of London and other big cities might also see a benefit.

Today’s National Day  

NATIONAL YOGA 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

If your income has been hit by the Covid-19 lockdown and you are worrying about making your debt repayments, don’t panic. The Financial Conduct Authority (FCA) has announced plans to freeze loan and credit card payments for up to three months as part of emergency measures.

If confirmed, the scheme would mean that you can apply to your loan or card provider for a break in your repayments that wouldn’t affect your credit rating, as with a mortgage holiday. Lenders would also have to waive interest charges on arranged overdrafts of up to £500 for the same period.

This will relieve pressure on many people facing an income shortfall, but the government isn’t waving a magic wand over your debt. 

When the crisis passes your debt will still be there. However, you can take steps of your own to tackle your debt. If you have credit cards you can’t afford to pay off, apply for an interest-free balance transfer credit card.

The longest interest-free balance transfer deal currently available is 29 months from Virgin Money with a 3% fee. But you can avoid the balance transfer fee simply by switching to Santander’s 18-month completely interest-free balance transfer deal, a much better deal.

A £500 interest-free overdraft, meanwhile, is great news if you need that little bit of extra help getting through the lockdown days. But, we would advise to be very careful about building up debt on your overdraft.

Last month a long-planned change to overdraft charges came into full force, meaning banks can no longer charge daily or monthly fees, merely a simple interest rate. Most banks planned to charge a set rate of around 40% on overdrafts, which will also still apply even when the current crisis has passed.

Tips on dodging overdraft interest rates: avoid that enormous interest rate by shifting your overdraft debt onto a money transfer credit card instead.

These cards allow you to pay money from an interest-free credit card straight into your bank account, giving you a bit of breathing space to clear the deficit without that interest mounting up. MBNA will give you up to two years interest-free with a 2.99% money transfer fee.

Unfortunately, if you have a car finance deal the government has yet to announce any help here. If you are going to struggle to meet your car repayments, you will need to contact your car finance provider and ask them for a payment holiday. Many are offering holidays or contract extensions, but unfortunately it isn’t guaranteed.

The Best Way We Can Bail Out The Airlines

Coronavirus has wreaked havoc in the airline industry, for obvious reasons. British Airways, easyJet, Ryanair and Virgin Atlantic have all approached the UK government for help.

There is a strong case to be made for protecting the industry – about 80,000 jobs are attached to those four airlines, and some see them as too important to fail, both for the labour market and for the wider economy.

Others, however, suggest that this was already an industry in decline and that there are better ways to support affected workers. If the industry is bailed out, the government should learn from past mistakes.

First of all, be transparent about the rationale for any bailout, and upfront about the expected costs.

Second, make sure private investors pay their fair share. It’s only right. Those who enjoyed the profits in the good times must expect to be “bailed in” in the bad.

Third, require protection of jobs, employment rights and green standards.

Finally, be realistic about the future. Airlines were already facing strong headwinds – the government must take a more realistic view of the future profitability of the industries it tries to save.

Today’s National Day  

NATIONAL HAMBURGER 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

American public conversation about Covid-19 has become haunted by prominent voices who propose “sacrificing the old and weak at the altar of the global economy”. Republican officials, conservative economists, unqualified pundits and even the 73-year-old president of the United States (who has since changed his view) have suggested that the economic pain caused by lockdowns to protect the vulnerable might be too great.

However, positing this problem, anywhere in the world, as a trade-off between the economic interests of the young and the lifespan of the old is a terrible error. The global economic depression unleashed by the deaths of millions is beyond imagining. Trade would grind to a half because of mourning, fear of infection, society-wide trauma and social unrest. And, of course, even healthy children can die from Covid-19. 

Saying that it is morally unacceptable to trade lives for GDP is missing the point. Setting aside the act that policymakers frequently do put a price on human life (the National Institute for Clinical Excellence, which decides which drugs and medical procedures to fund, says we should be spending no more than £30,000 to add one year of perfect health to one person), these high-sounding pronouncements ignore the fact that economic downturns cost lives.

The choice politicians are making is not between saving lives and economic growth, but between sacrificing lives now (visibly) and sacrificing them in the future (less visibly).

When economies shrink, poverty, violent crime and suicide rise and life expectancy declines. The Depression proved as much. Moreover, life expectancy among some deprived groups had, pre-pandemic, stalled in the UK, and gone backwards in America. If the UK’s GDP falls more than 6.4% per person as a result of the lockdown, more years of life will be lost than saved.

Currently, however, it looks more likely that we will get a deep, short recession, not a lengthy one and if businesses can struggle through, consumer demand and investment will rebound, without a significant impact on life expectancy. Possibly, but by some estimates GDP will be down 15% this quarter; the longer the lockdown – and the signs are that it could last until June – the deeper this slump could get. That’s why testing is key.

A team at Oxford University think that 50% of the UK population may already have been infected. If true, suppression measures could probably be safely relaxed. Data is crucial, because for now there are too many unknowns. But we will arrive at a time when the cost of containment measures, in terms of human welfare and even of fatalities, outweighs the cost of the virus. Refusing to face this grim calculation is not an act of high-mindedness, but of dereliction.

The Great Toilet-Roll Shortage

We all know who’s to blame for the great toilet-roll shortage: irrational hoarders and greedy panic buyers. Or are they?

Actually, we don’t need to assume that most consumers are greedy or irrational to understand why shelves are emptying. It’s all to do with supply chains.

The toiletpaper industry is split into two, largely separate, markets: commercial and consumer. Consumers are not making more trips to the bathroom, but are doing so more often at home than elsewhere due to lockdowns.

That means the average household will use 40% more toilet paper than usual if all its members are staying at home. That’s a huge leap in demand for a product whose supply chain is predicated on the assumption that demand is essentially constant.

So if you’re wondering where all the toilet roll went, mystery solved – it’s at the office. Couldn’t industrial processes and supply chains change to solve the problem? Perhaps, but then we’ll face the same problem in reverse once people head back to work again. Knowing this, we can at least stop looking down on the “idiocy” of our fellow shoppers.

Even a modest, reasonable amount of stocking up by millions of people in preparation for staying at home would be enough to deplete many store shelves of everyday items.

Today’s National Day  

NATIONAL SENIOR HEALTH AND FITNESS 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

A deadly virus is spreading across the world at an accelerating rate. Shops, restaurants and pubs have closed down. No one is allowed out of their house and the economy is collapsing.

There are moments when it feels like the apocalypse. The world is ending and we are all doomed. Investors may feel the same way. Amid the carnage on the stockmarket one small category has done well – space stocks.

It is almost as if people have decided to give up on this planet and try a different one instead. Space exploration is a small sector, of course, but there are definite signs of life. 

The only pure quoted space stock is Richard Branson’s Virgin Galactic, which aims to offer the first tourist trips into space. True, its shares have been volatile. They tripled at the start of this year, then crashed even before any of us realised Covid-19 would spread beyond China.

In the last month however, they bounced by 50%. There are also a couple of space exchange-traded funds (ETFs) that track a broad range of spacerelated companies. The aptly named Kensho Final Frontiers Fund is up from less than $160 to more than $185 at the time of writing. The Procure Space ETF – with the cute ticker UFO – is up by a similar amount. 

Other private firms are forging ahead too. Blue Origin, controlled by Amazon founder Jeff ezos, has, slightly surprisingly, been designated an “essential” company by the US government and allowed to keep operating.

And of course there’s Tesla founder Elon Musk’s Space-X, which is pressing on with plans for a new rocket capable of going to both the Moon and Mars.There are two main reasons why space companies have soared above the carnage on the stockmarket and in the wider economy.

First of all, all the terrible news about collapsing demand, closed factories and rapidly rising unemployment doesn’t make any difference to them. They didn’t have much in the way of sales anyway.

They were devoting their resources to making products that might be fantastically valuable, but not for another five or six years. A six-month shutdown is not terribly relevant one way or another. And next, 50 years after men first landed on the Moon, a genuine “space economy” is starting to emerge with real revenues.

It includes tourism, communications, mining and transport. It is getting big enough to be included in US GDP calculations and in the numbers of many other countries as well. In the US, it is estimated at $158bn, making it by far the global leader.

For Canada it is estimated at $5.6bn and for Germany $3.1bn. The Space Foundation estimates the total value of extraterrestrial GDP at $419bn in 2019 with 79% of that in the private sector. In truth, given its size and rapid growth, it is surprising there is not a larger quoted sector and more interest from investors.

The few who are taking the plunge are probably right to do so. It is one of the most exciting new industries around.   To infinity and beyond! Of course, it remains to be seen whether a genuine space industry emerges, whether it is profitable and whether the investors backing it now ever make a return on their money.

But there is a broader lesson here for investors. The economy may look absolutely terrible right now with uncertain prospects for recovery, but whole new industries are going to emerge.

That has been true even in the deepest depressions. After the crash of the 1870s, the railways forged ahead and new technologies based on electricity started to emerge. In the 1930s, following the Great Depression, industries such as television and electrical household appliances would later form the foundations of the post-war boom.

After the crash of 2008 the app economy was just getting going, with companies such as Uber and Airbnb raising capital. This is a good time to back emerging technologies because valuations are at rockbottom. And some of the prices are just too good to be missed.

Space may or may not turn out to be the industry of the future – but it is certain we will look back in ten years’ time and realise that something was, and it was very, very cheap in 2020…

Today’s National Day  

NATIONAL STRWABERRIES AND CREAM DAY!

PUBLISHERS NOTICE  

   

Hello,

My name is Michael White, and what I’d like to share with you now is a
total game-changer. With your permission, over the next few minutes I’ll
explain a money-loophole that could be your ticket to the laziest and
fastest retirement imaginable. 

Please let me first put your mind at rest about a few things…

There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…

 . You DON’T need to already have a bank account with a 
   particular bank or building society.

 . You DON’T need to have been mis-sold a pension or investment. 

. You DON’T need to buy shares of a specific company or bank.

. You DON’T have to pay this money back- it’s NOT a loan. It’s
   YOUR money, free and clear.

 . You DON’T have to own a home, and you can use the money for 
   ANYTHING you like.

 . You DON’T need a credit rating or be at any particular earnings
   level or be on benefit.

 . You DON’T need a computer or any technical know-how. You 
   could even place a call instead of make a few clicks if you don’t
   have a computer.

NOBODY else knows this secret because I discovered it – through
the application of an ancient code. I will share it with you HERE for
legitimate reasons I’ll explain in a moment. And I guarantee you’ll
be stunned at how this powerful secret could force the banking
system into letting you retire early…

Take A Look HERE 

  Very Best Wishes, 
 

David Hockney, creator of Britain’s most expensive artwork by a living artist, is in lockdown. But he isn’t letting it get to him. From Normandy, where he is staying, the resourceful 82-year-old whipped out an iPad and “painted” a picture of bright yellow daffodils.

He called it Do Remember They Can’t Cancel The Spring. Sadly, Hockney’s latest two exhibitions in London, at the National Portrait Gallery and the Annely Juda Fine Art gallery, have not been able to escape the spread of the coronavirus. Both have been closed, as have galleries, museums and art fairs around the world.

Art Basel Hong Kong, the biggest art fair in Asia, had been due to open its doors last month. But it wasn’t cancelled entirely. Like Hockney, it and the galleries have instead embraced a convenient digital format.

Of the 242 galleries that were due to appear at Art Basel Hong Kong, 235 have taken up residence in its online viewing room instead. So many visitors piled into it in the first 20 minutes that the platform was temporarily paralysed.

But there’s no doubt the global disruption is hurting the art market, particularly the smaller players.That’s partly down to the market having expanded so quickly – from 140 international art fairs at the last financial crisis to 300 as of last year.

Exhibiting is also an expensive business. For the past few years, galleries operating below the stratospheric levels have been struggling to keep pace with the financial pressures of showing at fairs all over the world. Five-figure exhibiting fees, flights, shipping, hotels, dinners with clients and rent have led to what has become known as “fairtigue”.

The same is true of collectors. If there were fewer regional art fairs, but stronger online offerings, it could do everyone, and the environment, a favour.

While the international art fair phenomenon has become a travelling circus, there are serious collectors everywhere, particularly for contemporary art, and they do not always want to get on a plane to look at a work they may want to buy.

The majority of art fairs are for the people who live in the host city. The Dallas Art Fair and Art Brussels are two that cater to the local base of collectors. Whether they and others like them survive the shake-out remains to be seen.

But the current lockdown could also turn out to have been beneficial to the art market. An awful lot of people are, after all, sitting at home with little to do but log on. When you work from home, the state of your home takes on new importance. Not every member of this demographic will decide to fill the void with fine art, of course.

Shares We’re Buying 

Leading the fight for the COVID-19 cure is RedHill Biopharma Ltd, having been one of the first biotech companies to successfully treat patients in Israel.

A patient with respiratory problems related to COVID-19 has recently been dosed with opaganib at a leading hospital there. RedHill said the treatment was administered under the Israeli Ministry of Health’s compassionate use guidelines.

More patients in that country will likely be treated soon. The drug already has been tested on 131 subjects in the United States as part of Phase 1 and Phase 2 oncology clinical trials.

Clinical data to date have demonstrated its safety and tolerability in both healthy volunteers and cancer patients.

Today’s National Day  

NATIONAL JOKE DAY!

PUBLISHERS NOTICE  

   

Hello,

My name is Michael White, and what I’d like to share with you now is a
total game-changer. With your permission, over the next few minutes I’ll
explain a money-loophole that could be your ticket to the laziest and
fastest retirement imaginable. 

Please let me first put your mind at rest about a few things…

There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…

 . You DON’T need to already have a bank account with a 
   particular bank or building society.

 . You DON’T need to have been mis-sold a pension or investment. 

. You DON’T need to buy shares of a specific company or bank.

. You DON’T have to pay this money back- it’s NOT a loan. It’s
   YOUR money, free and clear.

 . You DON’T have to own a home, and you can use the money for 
   ANYTHING you like.

 . You DON’T need a credit rating or be at any particular earnings
   level or be on benefit.

 . You DON’T need a computer or any technical know-how. You 
   could even place a call instead of make a few clicks if you don’t
   have a computer.

NOBODY else knows this secret because I discovered it – through
the application of an ancient code. I will share it with you HERE for
legitimate reasons I’ll explain in a moment. And I guarantee you’ll
be stunned at how this powerful secret could force the banking
system into letting you retire early…

Take A Look HERE 

  Very Best Wishes, 
 

We look at a lot of unusual or off-beat ideas here but sometimes it’s easy to overlook something run-of-the-mill but lucrative.

There’s a seemingly endless market for cheap second hand cars, and a profit to be made by supplying them, particularly if you have some basic mechanical knowledge.

Often, the only difference between a car which can be bought for £500 and one that can be sold for £1,000 is a good clean/valet, and an improved advertisement and photographs.

Sell just a couple of cars each month like this and you could very easily make an extra £12,000 a year.

Not everyone is interested in cars of course, but if you are, this is a great way to combine business with pleasure.

Big Is Bountiful  

The launch of a magazine for women that hit the news stands. Called ‘Just As Beautiful’, its aimed at curvy, plus sized women.

The rationale behind the launch is that the average dress size for women in the UK is 14 to 16 and yet there’s very little representation of larger women in the fashion media.

The aim of the magazine is to provide style and grooming information to ordinary women, without making them feel that they are outside of the norm.

I think they could on to something here. It seems crazy to market a product as only being applicable to a small minority of stick-thin women, whilst ignoring the majority. And yet that’s what seems to happen at the moment.

Both the fashion media and the designers they promote and support, tend to focus on a tiny (literally!), minority. With this new magazine, and even some top designers now dipping their toe into the plus size market, it looks like marketers are waking up.

There just have to be dozens of business opportunities hinging on a single thought. Instead of trying to make people thinner, what can we do to make them happier and more satisfied the way that they are?

Today’s National Day  

NATIONAL SMILE POWER DAY!

PUBLISHERS NOTICE  

   

Hello,

My name is Michael White, and what I’d like to share with you now is a
total game-changer. With your permission, over the next few minutes I’ll
explain a money-loophole that could be your ticket to the laziest and
fastest retirement imaginable. 

Please let me first put your mind at rest about a few things…

There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…

 . You DON’T need to already have a bank account with a 
   particular bank or building society.

 . You DON’T need to have been mis-sold a pension or investment. 

. You DON’T need to buy shares of a specific company or bank.

. You DON’T have to pay this money back- it’s NOT a loan. It’s
   YOUR money, free and clear.

 . You DON’T have to own a home, and you can use the money for 
   ANYTHING you like.

 . You DON’T need a credit rating or be at any particular earnings
   level or be on benefit.

 . You DON’T need a computer or any technical know-how. You 
   could even place a call instead of make a few clicks if you don’t
   have a computer.

NOBODY else knows this secret because I discovered it – through
the application of an ancient code. I will share it with you HERE for
legitimate reasons I’ll explain in a moment. And I guarantee you’ll
be stunned at how this powerful secret could force the banking
system into letting you retire early…

Take A Look HERE 

  Very Best Wishes, 
 

The traditional way of running a retail business is that the seller names the price and then the customer decides whether he is prepared to pay it.

Thanks to the internet, some modern businesses are turning the model on its head. For example, Buystand enables extreme sports fans to name their own for products and accessories at the start of the season rather than waiting for the spring sale.

Customers create an account and then browse products for sale. When a bid is made, Buystand put it to their panel of retailers to see whether any are prepared to match the price.

If a taker is found, the customer is charged the bid price and the retailer ships the product. Both parties benefit; the customer gets a discounted price and the retailer makes a sale he would otherwise have missed at a price he’s happy to accept.

It seems to me that there’s room for a business operating this type of model in myriad markets. If there isn’t already one serving a market you’re familiar with, this could be worth investigating further?

Calculated Profits 

It’s not unusual for groups of consumers to have quite transient needs, and when this happens, a business opportunity often opens up. Students are one such group.

They often study a subject for a short period, and are required to source quite expensive resources, which they will only need for a short period of time. Previously, we’ve talked about services set up to rent books to students, thereby negating the need for them to make an expensive purchase.

A Canadian company has spotted another need they can satisfy in a similar way-by renting out expensive graphic and financial calculators. Students often need these for just a couple of classes and can save 70% by renting rather than buying. When the rental period is complete, they simply mail them back to the company.

Today’s National Day  

NATIONAL VISIT YOUR RELATIVES DAY!

PUBLISHERS NOTICE  

   

Hello,

My name is Michael White, and what I’d like to share with you now is a
total game-changer. With your permission, over the next few minutes I’ll
explain a money-loophole that could be your ticket to the laziest and
fastest retirement imaginable. 

Please let me first put your mind at rest about a few things…

There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…

 . You DON’T need to already have a bank account with a 
   particular bank or building society.

 . You DON’T need to have been mis-sold a pension or investment. 

. You DON’T need to buy shares of a specific company or bank.

. You DON’T have to pay this money back- it’s NOT a loan. It’s
   YOUR money, free and clear.

 . You DON’T have to own a home, and you can use the money for 
   ANYTHING you like.

 . You DON’T need a credit rating or be at any particular earnings
   level or be on benefit.

 . You DON’T need a computer or any technical know-how. You 
   could even place a call instead of make a few clicks if you don’t
   have a computer.

NOBODY else knows this secret because I discovered it – through
the application of an ancient code. I will share it with you HERE for
legitimate reasons I’ll explain in a moment. And I guarantee you’ll
be stunned at how this powerful secret could force the banking
system into letting you retire early…

Take A Look HERE 

  Very Best Wishes, 
 

Anyone who’s undergone any sales training will be familiar with the idea of the puppy dog sale. In case you’re unfamiliar with it, here’s how it works:

A customer is in a pet shop with a child who is begging for a puppy. Not at all sure this is such a great idea, or perhaps not sure if this particular puppy is the right fit, the customer will not commit to the purchase. The salesperson then plays his Ace.

He offers to let them take the puppy home for a few days, assuring the parent that the puppy can be returned, no questions asked, if they decide they don’t want to keep it. How could you refuse? Of course, the child falls in love with the new pet, and there’s no way it’s going to be returned. Sold!

It’s an idea which can be applied to the sale of many products. Get the product into your customers hands on a trial basis and there’s every chance that they will keep it.

That could be because they find it’s just what they want, or because they form an emotional attachment to it (as with a pet). Either a sale is made or you’re not much worse off if the customer decides to return the product.

Give some thought to whether this is something you can apply to your business. Making it completely risk and obligation free for your customer to try out the product in their own home is a very powerful technique. It won’t apply to everything, but where it does, you should use it.

Selling The Unsavoury

Not every product is attractive in either appearance or function. Many fall into the yucky-but-necessary category. So how do you go about selling them? The makers of Naposure, a saline product designed to wash out a mucus laden nose, (apologies if your eating!) faced just this problem.

Their solution was to soften the whole thing by using attractive children in the advertisements, demonstrating the product. The cute and funny videos they made seemed to do the trick of making an unglamorous product visually attractive to the target market.

It’s a trick that toilet paper manufacturers have used for decades of course. What Labrador puppies have to do with the quality and effectiveness of Andrex is anyone’s guess, but they serve the function of making the product attractive, while very subtly conveying the benefits.

Perhaps if your product lacks a little glamour, you could think about making it more attractive and appealing by associating it in customers minds with something more acceptable. Something to give some thought to.

As an aside, I just discovered that toilet paper was first marketed in the United States just 150 years ago, and up until that point in time, everyone made ‘alternative arrangements’. Just give some thought to that the next time you’re bemoaning the fact that some modern day luxury you’ve become accustomed to isn’t working quite the way it should! 

Today’s National Day  

NATIONAL BIKE TO WORK  DAY!

PUBLISHERS NOTICE  

  Dear Streetwise Customer,

    If you were to design a money-making strategy from scratch to take advantage of the circumstances we’re currently experiencing, here is exactly what you’d come up with – a business where…

 . You can work exclusively from home and never have to leave   
   the house

 . As long as you have a computer with internet access, you’re in 
   business  

. The method behind it doesn’t just cope with turmoil and
   uncertainty…it positively thrives on it.

. You can get started and be making money in days rather than 
   weeks or months.

 . Start-up costs are virtually zero.

  How do I know this is perfect for now? 

  Because the guy who developed it is something of a recluse. He started ‘self-isolating’ years ago before it became a thing, and has run this business from the top of a French mountain, from a remote Swedish farm and from the wilds of northern Scotland…  

  He didn’t have to self-isolate…he just chose to!

  If you find yourself having to live and work a little more remotely in the coming weeks and months…or even if you just like the idea of doing that…then this is perfect for you.  

 Take a look now and respond today. In every crisis, there are opportunities. Even if you’ve looked at doing something like this before and decided against, think again. Now is the time.

 Click HERE for more information

P.S Uncertain and volatile times are precisely when this works best.
         What other opportunity can you say that about?

www.streetwisenews.com/wizard

I returned from a holiday in a large hotel and I was struck by how much waste there must be from the breakfast and dinner buffets. Dan Blake noted this too back in 2010 and decided to do something about it.

The result was an eco-friendly business with has been named one of the ‘Top 25 Most Promising Social Ventures in America’. EcoScraps takes the waste from ‘All-You-Can-Eat’ Buffets and turns it into a sustainable compost mix.

The business has proved highly profitable and diverts 20 tons of food waste a day from local landfills.

Obviously this is a locally based business – it involved physically picking up the waste – so here’s the question… Who will be first to take this up and run with it in the UK? You’ll have to be quick, I like the idea of this one myself! 

Climbing Profits

I’m sure you’re well aware of the fact that health and fitness products are big business. Getting fitter and losing weight are high on the priority list of a lot of people at the moment, and as a result there are hundreds of fitness related machine’s, gadget’s and gizmo’s on the market.

A lot of them are poorly designed, executed and a made, but we recently came across something new which could have a longer life and more appeal than average.

MtEverClimb is a continuous rope climbing machine that (as the name suggests) simulates rope climbing – an activity with long term proven benefits with regard to strength, endurance and cardio vascular training.

The device appears to be very robustly built – it would need to be as it’s endorsed by the Pittsburgh Steelers American football team – and as far as I know, isn’t yet available in the UK.

Could it be the next big thing in UK gym’s? If so, who will introduce it to them. Perhaps something for an ambitious entrepreneur to investigate. 

Today’s National Day  

NATIONAL DECENCY DAY!

PUBLISHERS NOTICE  

  Dear Streetwise Customer,

    If you were to design a money-making strategy from scratch to take advantage of the circumstances we’re currently experiencing, here is exactly what you’d come up with – a business where…

 . You can work exclusively from home and never have to leave   
   the house

 . As long as you have a computer with internet access, you’re in 
   business  

. The method behind it doesn’t just cope with turmoil and
   uncertainty…it positively thrives on it.

. You can get started and be making money in days rather than 
   weeks or months.

 . Start-up costs are virtually zero.

  How do I know this is perfect for now? 

  Because the guy who developed it is something of a recluse. He started ‘self-isolating’ years ago before it became a thing, and has run this business from the top of a French mountain, from a remote Swedish farm and from the wilds of northern Scotland…  

  He didn’t have to self-isolate…he just chose to!

  If you find yourself having to live and work a little more remotely in the coming weeks and months…or even if you just like the idea of doing that…then this is perfect for you.  

 Take a look now and respond today. In every crisis, there are opportunities. Even if you’ve looked at doing something like this before and decided against, think again. Now is the time.

 Click HERE for more information

P.S Uncertain and volatile times are precisely when this works best.
         What other opportunity can you say that about?

www.streetwisenews.com/wizard