Tag Archives: Streetwise Bulletins

Doggie Supplements

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

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

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

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

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

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

Motivational Quote Of The Day

“Victory belongs to the most persevering.”
 
 naploleon.png

Naploleon Bonaparte

Alternative Quote Of The Day

“A big girl came up to me after a show and said ‘I think you’re fatist.’ I said ‘No,no. You’re fattest.” 
       jimmy carr 2.png

Jimmy Carr

Persistence Pays

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

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

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

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

Today’s National Day  

hydration day.jpg

NATIONAL HYDRATION DAY!

PUBLISHERS NOTICE  

retirement letter.png

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.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

www.streetwisenews.com/OLR/

Undercover Parking

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

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

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

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

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

Motivational Quote Of The Day

“There are no gains without pains.” 
 abraham maslow.jpg

Abraham Maslow

Alternative Quote Of The Day

“These are my principles. If you don’t like them, I have others.”
       groucho marx.jpg

Groucho Marx

Harnessing Power 

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

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

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

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

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

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

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

Today’s National Day  

golf day.png

NATIONAL GOLF DAY!

PUBLISHERS NOTICE  

retirement letter.png

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.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

www.streetwisenews.com/OLR/

Everybody Needs A Debt Holiday Right Now

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

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

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

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

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

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

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

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

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

Motivational Quote Of The Day

“Do not let your circumstances control you. You change your circumstances.”
 
 jackie chan.png

Jackie Chan

Alternative Quote Of The Day

“My girlfriend had a phantom pregnancy. Now we have a little baby ghost.”
       jimmy
carr.jpg

Jimmy Carr

Do The Opposite  

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

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

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

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

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

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

Today’s National Day  

workaholics.png

NATIONAL WORKAHOLICS DAY!

PUBLISHERS NOTICE  

retirement letter.png

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.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

www.streetwisenews.com/OLR/

How Are We Going To Pay For All Of This?

With UK government borrowing running into the hundreds of billions, how can we stop any future recovery from being crushed by the sheer weight of debt?

One answer is monetisation.

Rather than central banks printing money and buying government bonds only in a crisis, they would do it all the time to fund ordinary spending. Rather than turning to international money markets to finance deficits, the state could effectively fund them itself.

We are already well on the way: the Bank of England now owns about one third of the UK’s national debt. After so many political failures, the left smells an opportunity. 

Long mocked as believers in “magic money trees”, the response to Covid-19 suggests that such arboreal wonders do exist after all. If money can be summoned out of thin air to fight a virus then why, the argument goes, can it not be used to fight other deadly plagues: poverty, unemployment and climate change?

The first objection is economic. You can print infinite money, but there are limits on the goods such money can buy.

We still live in a world of scarcity. Unlimited demand for limited resources eventually generates hyperinflation. The currency would crash and the price of imports would soar.

Yet with so many countries monetising their debt at the same time, perhaps the pound would not fall relative to other currencies. Perhaps serious inflation could be avoided.

Motivational Quote Of The Day

“Your beliefs become your thoughts, your thoughts become your words, your words become your actions, your actions become your habits, your habits become your values, your values become your destiny.”
 
 mahatma.png

Mahatma Gandhi

Alternative Quote Of The Day

“A man walked into the doctor’s. The doctor said, ‘ haven’t seen you for a long time.’ The man replied, ‘I know. I’ve been ill.”      tommy
cooper.png

Tommy Cooper

Preparing For The Worst  

A few years ago, I found myself at a hotel in Florida hosting a huge conference on Hurricane Preparedness, so I know that preparing for the worst can be big business. And that’s the premise behind a California based company. Earthquake Solutions makes it’s money from both consultancy work and the sale of emergency kits to the public. 

Now I know that hurricane or earthquake preparedness isn’t a big issue here in the UK, but I do think that most of us (and I include myself here) are woefully unprepared for a natural or manmade disaster.

How would people cope following an unprecedented weather event, huge terrorist attack, total disruption of the transport system, the National Grid going down or fuel supplies drying up? Would they have the food, water, shelter and alternative power supplies they’d need? 

Most would not. 

I can’t pretend this is the easiest sell… people don’t like buying stuff when there’s no immediate need… but there’s no doubt that they would benefit from having a kit containing all the essentials to hand. If you can figure out a way to market this effectively there’s big money to be made.

Every home in the UK is a potential customer. 

If this interests you, do some research on what’s available in the United States where preparing for the worst seems to be a National obsession?

Today’s National Day  

running day.jpg

NATIONAL RUNNING DAY!

PUBLISHERS NOTICE  

retirement letter.png

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.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

www.streetwisenews.com/OLR/

Protecting Your Stocks And Bonds From Tax

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. 

Motivational Quote Of The Day

“Even if you fall on your face, you’re still moving forward.”
 victor kiam.png

Victor Kiam

Alternative Quote Of The Day

“It’s easy to distract fat people. It’s a piece of cake.”
       chris addison.jpg

Chris Addison

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  

go barefoot day.jpg

NATIONAL GO BAREFOOT DAY!

PUBLISHERS NOTICE  

retirement letter.png

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.

Kind Regards 

jhsig bw.png

John Harrison

john harrison.jpg

www.streetwisenews.com/OLR/

House Prices During Covid-19

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.

Motivational Quote Of The Day

“I’ve failed over and over and over again in my life and that is why I succeed.”
michael jordan.png

Michael Jordan

Alternative Quote Of The Day

“A team effort is a lot of people doing what I say.”
       michael
winner.png

Michael Winner

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  

yoga day.png

NATIONAL YOGA DAY!

PUBLISHERS NOTICE  

lockdown paradox.png

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 sig.png
  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

Holidays From Debt…

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.

Motivational Quote Of The Day

“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.”
colin powell.jpg

Colin Powell

Alternative Quote Of The Day

“I saw six men kicking and punching the mother-in-law. My neighbour said, “Aren’t you going to help?” I said, “No, six should be enough.”
       les
dawson 2.jpg

Les Dawson

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  

hamburger day.jpg

NATIONAL HAMBURGER DAY!

PUBLISHERS NOTICE  

lockdown paradox.png

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 sig.png
  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

Is The Cost Of Lockdown Too High?

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.

Motivational Quote Of The Day

“A free lunch is only found in mousetraps.”
john capuzzi.jpg

John Capuzzi

Alternative Quote Of The Day

“Ever since I started to get recognition I’ve picked out certain fans and reverse-stalked them.”
       jim carey ace.jpg

Jim Carey

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  

senior health and fitness day.jpg

NATIONAL SENIOR HEALTH AND FITNESS DAY!

PUBLISHERS NOTICE  

lockdown paradox.png

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 sig.png
  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

Now Is The Time To Buy!!!

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.

Motivational Quote Of The Day

“They always say that time changes things, but you actually have to change them yourself.” 
andy warhol.png

Andy Warhol

Alternative Quote Of The Day

“Electricity is really just organized lightning.”
       george
carlin.jpg

George Carlin

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-strawberries-and-cream-day-–-may-21.png

NATIONAL STRWABERRIES AND CREAM DAY!

PUBLISHERS NOTICE  

bws 10.png

   bws 10 2.png

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, 
 michael white.png

How Is The Virus Affecting The Art World?

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.

Motivational Quote Of The Day

“There’s no limit to what a man might accomplish if he doesn’t mind who takes the credit.”
ronald reagan.jpg

Ronald Reagan

Alternative Quote Of The Day

“People say ‘I’m taking it one day at a time’. You know what? So is everybody. That’s how time works.”
       hannibal buress.jpg

Hannibal Buress

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  

joke day.jpg

NATIONAL JOKE DAY!

PUBLISHERS NOTICE  

bws 10.png

   bws 10 2.png

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, 
 michael white.png