All posts by Streetwise

How To Retire Early By Writing Simple, Easy-To-Write Letters

‘The most successful letter I wrote…and one of the shortest at two pages of A4…has pulled in over £5 Million so far, and it’s still coming in. I wrote that one way back in 1998 – in an afternoon!’ 

– John Harrison Streetwise Publications

There is a saying… 

You Are One Letter From Retirement… 

…and it’s true.

But unless you understand what kind of letters the saying is referring to, you could be mistaken in thinking that it’s nothing more than a load of old bunkum.

Seriously?

How can anyone make a lot of money writing letters?

Well I am here to tell you that it isn’t bunkum it isn’t bunkum, it is true. 

Writing letters can in fact, make an incredible amount of money and help you to retire early with more money than you believe is possible.

Wealth Is In The Words

Why The Pen Is Mightier Than The Sword

The letters in question are not ones you send to your gran, no, these are the ones which people will pay several thousands of pounds to have written.

Sometimes tens of thousands of pounds. And in some cases, the writers of these specific letters will be paid an ongoing percentage of the sales, which have resulted in hundreds of thousands of pounds, and at times, millions of pounds for the writer.

The letters which I am referring to, are sales letters. 

Learn How To Write The Perfect Highly Profitable Sales Letter Here…

One Letter From Retirement

Writing sales letters and sales copy DOES NOT require a lot of skill.

At least, nothing which you cannot easily learn from other people.

As long as you can talk and write in good – yet basic English, then you can become a well paid sales letter writer.

In fact, it pays more if you are not an English professor or literature mastermind.

The majority of sales letters need to communicate with the general public and so they need to be written in basic conversational English.

Sales letters are not trying to win awards for literature or be listed on a Best Sellers List. The writers are not out for status or awards, they want results, planned results.

They write their sales letters to make money. Either directly from the sales letter or indirectly further down a funnel which the sales letter has sent a reader.

Sales letters are written in a way which excites the reader to take action. That action could be to:

  • Buy a product
  • Sign up for a free product or service.
  • Join a newsletter.
  • Make a phone call or contact someone.
  • Hire a person or service.

Directly or indirectly, the sales letter is written to generate money. They are designed to get a result. The more results the better.

Using tried and tested principles like A.I.D.A, or the new improved A.I.D.P.A as I prefer to use, the sales letter writer can generate thousands, tens of thousands, hundreds of thousands, and even millions in sales.

One letter can generate enough money for the average person to retire from their job… several times over.

The best copywriters can charge up to £30,000 to write one sales letter for a client… sometimes more. 

If the product the client is selling is a high ticket item and is expected to earn hundreds of thousands or even over a million in sales off the back of a strong sales letter, the client would not think twice about paying a copywriter the same amount of money for one sales letter which an average worker would earn in one full year of employment.

A sales letter can take as little as a day to write, sometimes less. But, if there is research required, maybe a week or two…it all depends on what you are selling, who you are selling too and what the client wants.

But who would seriously complain at doing a couple of week’s work for the equivalent of a year’s wage? 

You could work a couple of weeks and take the rest of the year off.

That would be nice wouldn’t it?

Or, you could write one or two letters each month, working no more than a week in total and have the rest of the time off. Writing 12 – 24 letters a year would certainly fill your bank account up nicely.

If those sales letters also paid you a percentage of the sales, or were for your own products, you could be earning a semi-passive income throughout the time you are not working.

There are several copywriters who specialise in writing sales letters for specific industries using templates charging £1,000 – £5,000 per sales letter. Because they know the industry inside out, they know the audience they are targeting, and using specific templates, they are able to write a sales letter in a day or two. 

They then take the rest of the month off… if they chose to. They earn 2 to 3 times the average monthly wage in less than a week… and still have 3 weeks off. This really is a freedom skill. 

One which can easily have you retired faster than any other job. As stated earlier, you are only… 

Watch! How To Make Money Writing Letters Tutorial Video

One Letter Away From Retirement

Let me be frank here, writing sales copy isn’t hard. If I can do it, so can you. Anyone who takes the time to learn the basics can write seriously profitable sales letters. 

I personally have had no training to be a copywriter, I simply read and write. I read sales letters and books written by other sales letter writers and I then write.

I write sales letters.

Every new sales letter I write strengthens my skills and reinforces my knowledge.

But, until I started to learn and practice, I didn’t know how to write a sales letter. I didn’t know how to sell a sausage let alone a course worth thousands of pounds.

But I do now.

And so will you.

Everything is learnable, and that is something which we want to pass on to you. 

Learn How To Write The Perfect Highly Profitable Sales Letter Here…

One Letter From Retirement

The Pen Really Is Mightier Than The Sword…

When robbers and highwaymen looted carriages and stole from the wealthy, they never reached the level of wealth of popular writers, newspaper publishers or book publishing companies.

How could they? 

They pulled out guns and swords and stole, but once they had spent that money they were poor again. They had to go out and steal more money, all the while keeping a watchful eye over their shoulders for the long arm of the law… which in those days often resulted in a dangerous beating as well as being sent to the ye olde gaol.

Wealth Is In The Words

Publishers and writers on the other hand, were rolling in money. They were earning money even when they were not working. While sleeping, while out dining and socialising, and while resting with their feet up, writers and publishers were earning money. 

Unlike authors and traditional book writers, copywriters and sales letter writers can write a letter in a day or two which can keep earning them thousands of pounds many years later.

Dan Kennedy wrote one sales letter which has generated him over a million dollars in commissions. The letter probably took him no more than a week to complete, and yet, even to this day it is still earning him money.

And if you think that is impressive, read on…

‘Coming right up to date, the most recent letter, which I wrote just last week, brought in over £40,000 in the first two days after being read by less than a thousand people.  I fully expect that one to bring in over £1 Million over the next two or three years.’ 

– John Harrison Streetwise Publications

Writing sales letters is an incredible and hugely profitable skill. 

Yes you need to have a product to sell and yes you need to get people to see your sales letter, but without the skill of writing great sales copy, you will sell diddly squat, even if you had a good product and thousands of people looking for it.

If there isn’t a great sales letter for people to read, they will not buy. They won’t know if the product you are offering is any good, whether it will change their life around, whether it will alleviate their pain and suffering, or if it is worth the money on the price tag.

Without sales letters, people won’t buy. With great sales letters, people in their hundreds and thousands will whip out their credit cards and make a purchase.

But you do not need thousands of people to buy your product to make a lot of money. If you are selling a product which is worth a few hundred pounds or even a few thousand pounds, you only need a couple of hundred sales to generate an incredible amount of money.

All made easier if you have written a compelling sales letter.

And, as stated before…

You DO NOT Need To Be Good At Writing To Become A Great And Highly Paid Sales Letter Writer.

Learn How To Write The Perfect Sales Letter Below:

http://www.streetwisenews.com/OLR/

The Bones Of An Idea

I’d hesitate to saw you can make a profitable business out of anything, but the range of possibilities open to you is probably wider than you might imagine.

Who would have thought that an expertise in anthropology could lead to a profitable business, but that’s precisely what happened to a lecturer from Teeside University, who now makes an extra income analysing the human remains found by police and other authorities around the world.

Dr Tim Thompson started his Anthronomics business to cope with demand, and the work has taken him as far afield as Thailand where he was involved in identifying Tsunami victims and Kosovo where he was called upon to help identify bodies in mass graves. 

I’m not suggesting that identifying bone fragments is a viable opportunity for you, but what I am suggesting is that there may be opportunities to make extra money hidden away in your own expertise or profession.

Perhaps it’s time to give some thought to what may be right under your nose.

Motivational Quote Of The Day

“Try not to be a man of success, try to become a man of value.” 
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Albert Einstein

Alternative Quote Of The Day

“A man loses his dog, so he puts an ad in the paper. And the ad says, ” Here, boy!”  
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Spike Milligan

Never Give Up

It’s never too late to strive for success – Colonel Sanders was in his seventies before he struck gold with Kentucky Fried Chicken – and George Weiss is the latest proof of that.

The 84 year old has seen over 80 of his inventions fail, but finally hit the jackpot with a word game called Dabble. It’s now available in over 40 stores across America and has won the 2011 Game Of The Year Award from Creative Child Magazine. 

We speak to so many people who say it’s ‘too late’ for them to achieve financial success – people in their fifties and sixties…even people in their forties! Here’s a guy decades older, still trying and ultimately succeeding. 

What else are you doing….waiting to die? 

Today’s National Day  

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NATIONAL TAKE A CHANCE DAY!

PUBLISHERS NOTICE  

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Dear Streetwise Customer,

This is not illegal. Perfectly legitimate. It’s all perfectly above-board.

 Why isn’t everyone doing this? 

I have no idea. Anyone can. You just need to be bothered. Anyone could, but most people don’t, because they either aren’t motivated, or don’t know how, or are too sceptical by nature to believe it’s possible.

If you find yourself having to live and work a little more remotely in the coming weeks and months then now is the time to take a look.

Available now for the first time as a fast digital download. 

For more information on something that’s simple, and easy to use from the comfort of your own home CLICK HERE.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

www.streetwisenews.com/NARDL

Movie Star Photo Studio

There was a time, not too long ago, when having your photograph taken was a fairly rare event. That’s all changed today of course, with just about everyone having a camera on their mobile phone.

There are a couple of problems; the photographs typically taken tend to be quite mundane, and they’re rarely printed out. An idea we saw in California could easily be copied anywhere.

It’s a photo studio where you go in and are cast as a characters from a film. The studio has costumes depicting a wide range of characters.

Customers book an appointment either individually, or as a family, and get to portray their favourite film characters. They are then offered prints in a range of sizes and styles. 

Photography is becoming incredibly common (I read somewhere that there were more photographs taken last year than in all of history!) but interesting or high quality photography is less so.

Professionals need to find a way to differentiate what they do from the crowd, and this is one way to do it.

Motivational Quote Of The Day

“Logic will get you from A to B. Imagination will take you everywhere.” 
 albert einstein.jpg

Albert Einstein

Alternative Quote Of The Day

 “What if God’s a woman? Not only am I going to hell, I’ll never know why!”
       adam
ferrara.jpg

Adam Ferrara

The Cookie Factory Attraction

The Golden Gate Fortune Cookie Factory is based in Chinatown in San Fransisco. It produces 20,000 cookies a day but earns an extra income as a tourist attraction.

Every day, tourists pay a fee to see how the cookies are made and no doubt leave with a bag full of the product too.

What is commonplace to one person can be fascinating to others. You may be bored stiff by your place of work, but might others be interested in seeing how you do what you do?

If so, there may be a readymade extra stream of income for you just waiting to be exploited.

Today’s National Day  

wild guess day.jpg

NATIONAL TAKE A WILD GUESS DAY!

PUBLISHERS NOTICE  

narc1.png

Dear Streetwise Customer,

This is not illegal. Perfectly legitimate. It’s all perfectly above-board.

 Why isn’t everyone doing this? 

I have no idea. Anyone can. You just need to be bothered. Anyone could, but most people don’t, because they either aren’t motivated, or don’t know how, or are too sceptical by nature to believe it’s possible.

If you find yourself having to live and work a little more remotely in the coming weeks and months then now is the time to take a look.

Available now for the first time as a fast digital download. 

For more information on something that’s simple, and easy to use from the comfort of your own home CLICK HERE.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

www.streetwisenews.com/NARDL

The Yorkshire Pudding Myth

A little while ago, a number of newspapers, radio stations and TV programmes reported the result of some research which I found pretty astonishing…

Apparently, people who speak with a Yorkshire accent are perceived to be the most intelligent – beating even those using Received Pronunciation…the Queen’s English.

Now I said that I found this astonishing. You see I’m the proud owner of a Yorkshire accent and I have to say that my experience is not that it conveys an impression of great intelligence to the world at large. In America – for reasons that I don’t understand – it gets you identified as an Australian. In most of Europe, it gets you stared at blankly. But in England…

Well it gets you treated as a little bit thick…

And if not thick, simply fair game for reference to every regional stereotype under the sun from cloth caps, to whippets, to tripe and onions – none of which I have worn, owned or eaten. 

I don’t want you to think I’m complaining though, because I don’t mind any of this one little bit. It’s all harmless fun, and being underestimated can have distinct advantages. I only mention it because of the research reported in the media, that doesn’t fit with my experience. 

Anyway, this morning on the way to work, my local radio station ran an interview with the academic who carried out the research, and he was asked how he’d arrived at his conclusions. Here’s what he did:

He got a photograph of a 20-year-old girl and then showed it to respondents. At the same time, he played a tape of ‘the girl’ speaking a prepared script. Respondents were all shown the same photograph, and heard the same words, but they were spoken by people with different accents: Received Pronunciation, Yorkshire and Birmingham. As a control, one group of respondents was just shown the photograph with no voice.

They were all then asked to make an estimate the girl’s intelligence based on what they saw and heard, by giving a mark out of ten. The result was that the ‘Yorkshire girl’ was seen as most intelligent, followed by the girl using Received Pronunciation. The silent girl was considered more intelligent than the Brummie!

Suddenly it all became clear. The headline summary – the Yorkshire accent is perceived as the most intelligent – came from this very flimsy research survey, which I’m sure the average 10-year-old could pick enormous holes in. Very briefly… 

1.     It only tested three accents.

2.     It only tested reaction to a young girl’s accent

3.     There are dozens of different ‘Yorkshire accents’.

4.     Voices have an impact, as well as accents. It’s perfectly possible to find someone who sounds intelligent or stupid with exactly the same accent.

I could go on, but the purpose of this isn’t to criticise the research. It’s to demonstrate how easy it is to get the results of some research or a survey, into the mainstream media – provided the subject matter is interesting enough.

The media weren’t really interested in the methodology. They were simply interested in a result that flew in the face of conventional thinking. If RP had come out in front, I doubt anyone would have reported it.

The lesson for you and I, is that if we can come up with a unique piece of research connected to our business, which throws up some interesting results, there’s a good chance of getting it reported in the media. No scientific or research knowledge required.

The key, I think, is that the results need to be both interesting and surprising. If you manufacture toothpaste and find that 7 out of 10 people prefer your brand to a rival, that’s hardly newsworthy. It’s not interesting and it’s not particularly surprising.

But if you found out that 7 out of 10 respondents to your survey had used someone else’s toothbrush without telling them, then I can see that getting some coverage. It would be surprising and interesting because of the human angle, which anyone could relate to. It’s all about asking the right questions, or testing the right things, in the first place.

This is definitely worth thinking about. It’s cheap and easy to do. All it takes to get a big publicity pay-off, is a little imagination.

 Kind Regards 

john sig.png

John Harrison  

PUBLISHERS NOTICE  

         
narc1.pngDear

Streetwise Customer,

This is not illegal. Perfectly legitimate. It’s all perfectly above-board. 

Why isn’t everyone doing this? 

I have no idea. Anyone can. You just need to be bothered. Anyone could, but most people don’t, because they either aren’t motivated, or don’t know how, or are too sceptical by nature to believe it’s possible.

If you find yourself having to live and work a little more remotely in the coming weeks and months then now is the time to take a look.

Available now for the first time as a fast digital download.

For more information on something that’s simple, and easy to use from the comfort of your own home CLICK HERE.

Dear Streetwise Customer, 

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

http://www.streetwisenews.com/nardl/

Rent A Wife

This is possibly the most sexist idea we’ve presented so far, but I’m not going to let that stop us! I’m sure you’ve often heard woman complain that their husband doesn’t want a wife – he wants a cook cleaner/launderer ect.

Do you know what in some cases that’s true! There are many men who just want someone to do the chores for them without an emotional or romantic attachment, so why not offer the service?

The idea here is for a ‘Rent-A-Wife’ service, whereby men can pay someone by the hour to do all the stuff they might normally expect of a spouse.

Duties would include cooking, cleaning and laundry as well as any other chores and errands the customer needed doing.

Offering a service would generate a huge amount of publicity and controversy, but there’s no denying it would appeal greatly to men who simply don’t want any additional commitment or strings in their lives, but do want someone to share drudgery.


So who will be brave enough to take this one on? 

Motivational Quote Of The Day

“If you are going to ask yourself life-changing questions, be sure to do something with the answers.”  
 bo bennett.png

Bo Bennett

Alternative Quote Of The Day

“I phoned the local gym and I asked if they could teach me how to do the splits. He said, “How flexible are you?” I said, “I can’t make Tuesdays.”
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Tim Vine

‘Gilty’ Food

Interest in food and cooking has never been stronger. It seems like every other TV programme is devoted to food or cooking, and people have had their expectations raised regarding what’s possible.

A new idea from Germany seems to take this to a new level.

Esslack Food Spray allows you to graffiti your food or make it glitter like a pile of gold. It’s made from an edible dye and can be safety sprayed on anything. So if you want a gold tomato or a silver mushroom, there’s nothing stopping you. 

I’m not sure I’m personally keen on this idea (I prefer my food to look like what it is) but I can certainly see a novelty market for this. I haven’t seen this being sold anywhere in the UK yet, so it could be worth looking into if you have the right contacts or outlets.

Today’s National Day  

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NATIONAL LOOK A LIKE DAY!

PUBLISHERS NOTICE  

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Dear Streetwise Customer,

Imagine this…you load up an amazing piece of software on your PC or Laptop. It takes about 10 minutes. And then you wait.

Every now and again – perhaps two or three times a week – an icon flashes up on the screen, and when it does, that’s your signal to collect £100. Simple. No rush. No dramas. 

Sound interesting? 

You’re probably in a significant minority!

Believe it or not 99% of readers will pass up on this because it’s doesn’t sound like it makes enough money. It’s hard to resist the promise of tens of thousands of pounds. But give me five minutes now, and I’ll show you how these small ‘hidden’ amounts can really add up. 

Matt Shaw, the guy who discovered this reveals HERE.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

www.new-report.com

Avoid The Child Benefit Traps

The complicated rules on claiming child benefit are landing some parents with shocking tax bills and causing administrative hassle.

Since 2013 those who earn more than £50,000 a year have to pay back some of the child benefit they receive: £1 of every £100 earned over the threshold. If you earn more than £60,000, you’ll need to repay all of it.

One family has just had a £7,400 bill from HMRC because the sole earner was bringing home less than £50,000 a year, but his company car was classed as a benefit in kind, propelling him over the threshold. Be sure to register for child benefit if you earn over £50,000.

A stay-at-home parent who hasn’t won’t get National Insurance credits that build up their state-pension entitlement while they are looking after their children. Your children may also have trouble getting a National Insurance number if they’ve never been on the list.

If you earn over £50,000 then you sign up and pay the High Income Child Benefit Charge via your tax return. Earn over £60,000 and you still need to register, but you can opt not to receive the payments. You will still get any National Insurance credits due, but you won’t have to pay the tax charge.

Motivational Quote Of The Day

“The secret of getting ahead is getting started.” 
 agatha christie.jpg

Agatha Christie

Alternative Quote Of The Day

“By the time you’re eighty years old you’ve learned everything. You only have to remember it.”
       george burns.jpg

George Burns

Dinner With The Dead

When Na-yeon died four years ago aged seven, her mother, Jang Ji-sung, turned to technology to bring her back. Millions in South Korea tuned in to ‘Meeting You’, a television programme in which Jang donned a virtual-reality headset and sat down to her meal of seaweed soup with the avatar of her daughter.

The digital Na-yeon couldn’t respond to Jang’s words, but could ask “Where have you been, Mum? Did you think about me?” At one point, they appear to hold hands. “Maybe it’s a real paradise,” Jang said afterwards. “I met Na-yeon, who called my name with a smile. It was a very short time, but a very happy time.” 

Others aren’t so sure, saying ”Having this type of interaction through an avatar could present a real challenge for some people in accepting the reality of the death.” London-based Peter Trainor, founder of Us Ai, agrees.

He worked with James Dunn, a young man with a rare condition, to create an algorithm that would mimic Dunn’s personality after his death, aged 24. In the end, Trainor shut down the company, he says. “We were beginning to attract the wrong sort of attention.”

Today’s National Day  

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NATIONAL ALL IS OURS DAY!

PUBLISHERS NOTICE  

ton trader corona.png

Dear Streetwise Customer,

Imagine this…you load up an amazing piece of software on your PC or Laptop. It takes about 10 minutes. And then you wait.

Every now and again – perhaps two or three times a week – an icon flashes up on the screen, and when it does, that’s your signal to collect £100. Simple. No rush. No dramas. 

Sound interesting? 

You’re probably in a significant minority!

Believe it or not 99% of readers will pass up on this because it’s doesn’t sound like it makes enough money. It’s hard to resist the promise of tens of thousands of pounds. But give me five minutes now, and I’ll show you how these small ‘hidden’ amounts can really add up. 

Matt Shaw, the guy who discovered this reveals HERE.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

www.new-report.com

Star Secrets

If it’s a clear night tonight, and you look up towards Orion, you’ll see a star at the foot of the constellation called Rigel. Rigel is the sixth brightest star in the sky with a luminosity roughly 40,000 times that of our sun.

It has a mass of 17 solar masses, a surface temperature of 11,000 Kelvin and a solar radius of 70. It’s surrounded by a shell of expelled gas, which was either shed by its pulsations or came about as a result of stellar wind. 

Rigel isn’t the furthest star by any means, but it’s not what you’d call ‘on the doorstep’ either. It’s around 765 light years away. Now, light travels at 186,282 miles per second.

So every second since around about the time that King John signed the Magna Carta, light has been travelling through space at that speed from Rigel to Earth. And the bit you’re looking at tonight only just got here. 

I don’t know about you, but I find this sort of thing fascinating and mind-boggling ~ literally mind-boggling. Like a lot of people I suspect, I attempted to read ‘A Brief History Of Time’ (which is supposed to simplify all this stuff) and got about as far as page 26.

My brain just doesn’t seem to work in that way, and I’m constantly amazed and impressed that there are people who can work out all this detailed information about something further away than I can properly imagine. It’s beyond my comprehension… 

And yet…and yet…many of these same people would struggle to put up a shelf, find their way to the next town, run a hot dog van ~ or a hundred and one other things which other folk find easy. 

You see, we all have things we’re good at and things we do badly. It’s very easy to become intimidated by what we perceive to be great intelligence. The truth though, is that most of us have great ‘intelligence’ – just not necessarily the sort that we traditionally associate with the word.

Einstein has a lot to answer for.

Mention the word genius, and his is the name that comes to most minds first. Because of this, mathematics and science seem to have hijacked intelligence, with the result that the rest of us end up feeling…well, a little bit thick. The knock-on effect is that we somehow feel that the sort of intelligence that can unlock the secrets of the universe, is what really matters.

The reality though, is that other types of intelligence are just as important – maybe more so if your goal is to succeed financially or in business. As impressive as the ability to calculate the mass of a distant star is, there’s not a lot of money in it!

If you haven’t already done so, I’d urge you to firmly nail down exactly where your peak intelligence and predispositions lie – and then to stop worrying about what you can’t do, and focus all your efforts on what you do best. When you combine a strong predisposition with something you enjoy, you have a massive head start on the competition.

You might not be able to explain the stars ~ but that doesn’t mean you can’t reach for them.

 Kind Regards 

john sig.png

John Harrison  

PUBLISHERS NOTICE  

ton trader corona.png

Dear Streetwise Customer, 

Imagine this…you load up an amazing piece of software on your PC or Laptop. It takes about 10 minutes. And then you wait.

Every now and again – perhaps two or three times a week – an icon flashes up on the screen, and when it does, that’s your signal to collect £100. Simple. No rush. No dramas. 

Sound interesting?

You’re probably in a significant minority!

Believe it or not 99% of readers will pass up on this because it’s doesn’t sound like it makes enough money. It’s hard to resist the promise of tens of thousands of pounds. But give me five minutes now, and I’ll show you how these small ‘hidden’ amounts can really add up. 

  Matt Shaw, the guy who discovered this reveals HERE.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

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

 www.new-report.com

How To Tap Your House For Cash

Britain’s equity-release market is expected to be worth more than £5bn this year: the number of people unlocking some of the value of their home in retirement continues to grow at rates of more than 20% a year.

But while this growth is understandable, with many people owning valuable properties by the time they retire but finding themselves short of disposable wealth, is equity release really the answer?

Downsizing may be a better option.

The allure of equity release is obvious. If you own an expensive property outright but need more money for everyday living expenses or home improvements, travel or helping out children, an equity-release plan offers real benefits.

You borrow money against the value of your house or, with some plans, sell a chunk of it. There are no repayments to make until after your death or you’ve moved into some form of care and the money is yours to spend how you wish. And you can stay in your own home.

However, there are substantial downsides. While the equity-release plan market is more competitive than in the past, the cost of products is still high compared with a conventional mortgage. The average borrower pays an interest rate of 4.55%, at least twice what you’d pay for a conventional home loan.

Moreover, as there is nothing to pay during your lifetime, your debt mounts up quickly due to the law of compound interest. There may be little or nothing to pass on to your heirs once the money is repaid on your death.

Another problem is that equity-release products can be constraining, particularly if your plans change. It may be difficult to move house, with extra charges to pay. You may struggle to make repayments during your lifetime, even if you want to reduce your debt.

Home-reversion plans, where you sell a chunk of your house rather than borrowing, are problematic too, since your property will effectively be valued at well below market value, reflecting the time that the equity-release provider has to wait to earn a return. Downsizing, by contrast, carries none of these headaches.

You simply sell your current property and buy a cheaper one, with the difference in value freeing up cash you use as you see fit. Your new house can be left to your heirs and there is no financial-product small print to worry about. For many older people, selling a large family home in order to move into a more modest property also has practical benefits. Smaller houses are easier and cheaper to maintain.

Nonetheless, downsizing isn’t right for everyone. If you don’t have a large property, moving to a smaller one may simply not be an option. The practicalities will also depend on the dynamics of your local housing market. How much can you sell for and what will a smaller property cost? And some people do not want the emotional wrench of leaving a much-loved family home.

Downsizing also carries costs. You’ll incur all the costs of moving house, including estate agents’ fees, solicitors’ costs and the removals firm’s charges. Plus you may have to pay stamp duty on the purchase price of a new house, though stamp-duty rates are lower on cheaper properties (and zero on purchases below £125,000). 

The cheaper option Nevertheless, for most people, the total cost of downsizing is likely to be significantly lower than what your family effectively ends up paying through an equity-release product. The costs of moving house just do not compare to the cost of interest charges on a large loan rolled up over time.

In financial terms at least, downsizing is a better option than equity release for most people. If you’re willing and able to consider it, this should be the first thing you consider if you’re seeking to raise cash later in life.   

Motivational Quote Of The Day

“If your not making mistakes, then you’re not  making decisions.”     
 
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Catherine Cook

Alternative Quote Of The Day

“If you’re being chased by a police dog, try not to go through a tunnel, then on to a little seesaw, then jump through a hoop of fire. 
  They’re trained for that!”             
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Milton Jones

Today’s National Day  

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NATIONAL SORRY CHARLIE DAY!

PUBLISHERS NOTICE  

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Dear Streetwise Customer,

Imagine this…you load up an amazing piece of software on your PC or Laptop. It takes about 10 minutes. And then you wait.

Every now and again – perhaps two or three times a week – an icon flashes up on the screen, and when it does, that’s your signal to collect £100. Simple. No rush. No dramas. 

Sound interesting? 

You’re probably in a significant minority!

Believe it or not 99% of readers will pass up on this because it’s doesn’t sound like it makes enough money. It’s hard to resist the promise of tens of thousands of pounds. But give me five minutes now, and I’ll show you how these small ‘hidden’ amounts can really add up. 

Matt Shaw, the guy who discovered this reveals HERE.

Kind Regards 

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John Harrison

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

www.new-report.com

Brian Blessed’s Blinkers

I read an interesting story about actor, Brian Blessed, that made me review how I’m currently thinking about things. Maybe it will do the same for you. 

Blessed tells the story of how in 1980 he was appearing in a production of Macbeth at the Old Vic. Peter O’Toole was in the title role and had taken a hammering from the critics. One night, Blessed found O’Toole on his knees in his dressing room, crying out in anguish, “destroyed in heart and soul.”

Blessed intimated that he shouldn’t go on – that the audience were only there to see him make a fool of himself. O’Toole rejected the advice, and went on anyway.  

To quote Blessed: “I have never…never…seen courage like that.”  

Now here was a man (Blessed) who originated from my part of the world. In those days in particular, it was an area where you didn’t have to wait long to see acts of REAL courage ~ where men put their lives on the line to save stricken colleagues in mining and industrial accidents.

He would have seen men going to work in horrible and dangerous conditions where they were exposed to health-wrecking noise, fumes, dust, machinery and work practices on a daily basis. He would have seen men horribly disabled and handicapped for life, but being forced to carry on… 

And yet he had become so immersed in the world he now inhabited, that he saw some bloke risking making a bit of a pillock of himself as the pinnacle of human courage.

I think we can all be a bit like this at times. We become almost hypnotically focussed on our own little world, and totally blinkered to the wider picture. We lose perspective, and a sense of what’s important and what isn’t. We overestimate the magnitude of our own problems, and diminish the significance of those experienced by others. 

Reading what Brian Blessed had to say caused me to think about what real courage is, and the nature of real problems. And if I’m honest, I’m a complete stranger to both. 

Perhaps when you think about it, you’ll find that you are too.

 Kind Regards 

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John Harrison  

PUBLISHERS NOTICE  

Dear Streetwise Customer, 

I want to inform you of a new Facebook group Andi, a member of our staff has set up for Streetwise customers.  This group is for Streetwise customers only. It is a private members only group and we would like to invite you to join it. 

Andi suggested that he would like to host a series of live online training sessions starting next week. These live sessions will cover a range of important topics from creating the right mind set for success – which will be very handy if you have to stay in isolation for weeks or months at a time! – to the many different ways to make money online from home.  

Including how one man made $30,000 a month sharing untruths. Seriously. 

The reason for doing these live sessions is that if you are going to be in isolation for a few weeks then that is a great time to think about your future, your future income and learn new valuable skills.

It is our way of giving back to you during this strange time and it is also a way that we can interact with our customers better. We can let you know of future products and what we are doing as a business. 

Andi knows a lot about online business and making money online after making quite a bit of it through his websites and various projects. He is the perfect person to be holding live training sessions in the Facebook group… it also helps with him being the only one out of us all who actually knows how to do it! 

To access these training sessions you need to join the group so please click the link below or the image above and request to join The Streetwise Private Members Only Club. 

https://www.facebook.com/groups/1326182417580313/ 

Being indoors for such a long time could have you climbing the walls and so you are going to need a healthy distraction. Something to take your mind off being imprisoned within your own four walls. 

This time will be a great opportunity to learn some new life changing skills and ways to earn an income. 

From what Andi has said to me, I believe the group is going to be invaluable to you. There is a lot of great stuff which he plans to share into the group. Stuff which I personally believe will make you see the internet and online businesses in a whole new light. 

To join the group click here: 

https://www.facebook.com/groups/1326182417580313/ 

Kind Regards 

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John Harrison

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When Buying On Credit Makes Sense

The days of bumper cashback offers or fantastic rewards with your credit card are long gone. But there are still several good reasons to pay with plastic. One is the protection you receive thanks to Section 75 of the Consumer Credit Act.

Pay for something costing between £100 and £30,000 on a credit card and the card provider is as liable as the seller if something goes wrong. Credit-card firms are currently swamped with Section 75 claims, thanks to Thomas Cook. The 178-year old travel agent went into administration in September, prompting thousands of customers who had booked trips on credit cards to submit refund claims.

You can put a claim in with your credit-card provider if the thing you purchased never arrives or isn’t what it should have been. For example, you could claim for flights you bought if the airline goes bust, or a car that breaks down days after you bought it. You even get protection for the whole cost if you only paid the deposit on your credit card. 

Another reason to put some of your spending on a credit card is that it improves your credit rating. It is a myth that a person who has never borrowed has the best credit rating. Lenders want to see that you are a reliable borrower; if you’ve never borrowed, they don’t know you’ll pay them back.

Using a credit card and repaying the balance in full each month – or at least never missing a minimum payment – will bolster your credit rating. There are also financial benefits to spending on a credit card. If you can’t afford to buy something outright then an interest-free credit card is still the cheapest way to borrow. For example, Sainsbury’s Bank is offering 27 months of 0% interest for new spending.

Just make sure you clear the debt before the interest-free period expires, otherwise you’ll end up paying 20.9% interest. Divide your debt by the length of the interest-free period and then set up a direct debit for that amount, so you don’t miss a payment and clear the debt in time. You need to make at least the minimum payment each month or you may lose the 0% deal and be charged a fee.

If you don’t need to borrow, then get paid to shop with a cashback credit card. The return on these cards isn’t as good as it once was, but it is still reasonable. The top-paying card is the Amex Platinum card. It has a annual fee but a 5% cashback rate for the first three months; the rate then falls to 1.25%.

But make sure you clear your balance in full each month, otherwise the 22.9% APR interest will quickly cost you more than you are earning in cashback.

Motivational Quote Of The Day

“Think before you speak. Read before you think.” 
 
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Fran Lebowitz

Alternative Quote Of The Day

 “Crying is for plain woman. Pretty woman go shopping.”
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Oscar Wilde

Money Statistics

  150 – The number of tonnes of gold, silver and gems that could have been aboard the Nuestra Señora del Juncal Spanish treasure ship when it sank off Mexico in 1631. Spain and Mexico have agreed to look for it together. The 14 tonnes recovered from the wreck of the Nuestra Señora de las Mercedes in 2007 was valued at £385m.

£15,000 – The estimated value of a recently unearthed silver coin from 826 AD, featuring the face of Saxon King Ludica of Mercia and the place name “Ludenwic”.

£40bn – The combined face value of all of the paper £20 notes that have started to be withdrawn from circulation. The old notes are bundled up into blocks of £50,000, and sent for composting by the Bank of England. You can still spend your paper £20 notes for the time being. 

Today’s National Day  

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NATIONAL NO HOUSE WORK DAY!

PUBLISHERS NOTICE  

 Dear Streetwise Customer,

I want to inform you of a new Facebook group Andi, a member of our staff has set up for Streetwise customers.  This group is for Streetwise customers only. It is a private members only group and we would like to invite you to join it.  

Andi suggested that he would like to host a series of live online training sessions starting next week. These live sessions will cover a range of important topics from creating the right mind set for success – which will be very handy if you have to stay in isolation for weeks or months at a time! – to the many different ways to make money online from home.  

Including how one man made $30,000 a month sharing untruths. Seriously. 

The reason for doing these live sessions is that if you are going to be in isolation for a few weeks then that is a great time to think about your future, your future income and learn new valuable skills.  

It is our way of giving back to you during this strange time and it is also a way that we can interact with our customers better. We can let you know of future products and what we are doing as a business. 

Andi knows a lot about online business and making money online after making quite a bit of it through his websites and various projects. He is the perfect person to be holding live training sessions in the Facebook group… it also helps with him being the only one out of us all who actually knows how to do it! 

To access these training sessions you need to join the group so please click the link below or the image above and request to join The Streetwise Private Members Only Club. 

https://www.facebook.com/groups/1326182417580313/

Being indoors for such a long time could have you climbing the walls and so you are going to need a healthy distraction. Something to take your mind off being imprisoned within your own four walls. 

This time will be a great opportunity to learn some new life changing skills and ways to earn an income. 

From what Andi has said to me, I believe the group is going to be invaluable to you. There is a lot of great stuff which he plans to share into the group. Stuff which I personally believe will make you see the internet and online businesses in a whole new light. 

To join the group click here: 

https://www.facebook.com/groups/1326182417580313/  

Kind Regards 

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John Harrison

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