Archive for the ‘Financial Services’ Category

20 January

7 Lessons I Learned From My Dads Bankruptcy}

Submitted by: Dylis Guyan

A defining moment in my life was at the age of 16 when my dad went bankrupt. He owned his own business and was really passionate and knowledgeable about his product. But what he wasnt so passionate and knowledgeable about was Sales and Marketing. He didnt know how to attract prospective customers or how to convert them into high paying customers.

Marketing to him, was word of mouth and a few leaflet drops.

When he went bankrupt we lost EVERYTHING. The business, the cars, the house, EVERYTHING!

The bailiffs came in and valued every last teaspoon. They were very kind to my mother and said if she could borrow 300 (A ton of money when I was only 16) she could buy back our essentials. So she managed to borrow the money and bought back our beds, sofas, cooker etc

The day came for us to move and we had to go into a council house, nothing wrong with council houses of course but when you are forced to go it is a different matter.

It was TRAGIC.we were all devastated. My father couldnt cope and his drinking got worse and worse as did his anger and violent behaviour. So we ended up leaving him to go to our new house on our own.

He really did lose everything including his family!

When I became involved in Sales and became a Sales Manager I worked tirelessly learning everything I could, reading books, going on training courses, watching and talking to the best in the business. I decided to be an expert in attracting prospective clients and converting them into high paying clients who gave repeat and referral business.

I diligently trained and coached my teams to be the best they could be so they could enjoy success and NEVER be in the position of being humiliated and feeling like a failure, the way my father had.

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The results were astounding. We were always in the top 5% in the country and in 1998, when I was Regional Manager for a global company, my teams achieved TOP position in the whole country. We were top against target, we had the best staff retention rate, we had the best compliance scores. We had the highest level of repeat business. We were THE BEST WE COULD BE.

So, what were the 7 lessons I learned from my dad going bankrupt;

1. He would go from day to day working randomly, waiting and hoping tomorrow would bring better results.

What to do – Work on bringing in new customers EVERY DAY

2. Not all of his customers were good customers, some were late payers, little profit or hard to work with.

What to do – Know the profile of your ideal customer inside out and where they hang out so you can attract more of the clients you WANT to work with

3. He didnt know how to demonstrate to customers the value and benefits of buying from him. He knew how good his product and follow up service were but didnt let people know. (Not really surprising as his marketing efforts were virtually nil)

What to do – Create value in your marketing messages that will massively differentiate you from your competition. Demonstrate the benefits your customers will get by using your product or service

4. My Dads idea of marketing was a flyer which had his company name and address, a description of what he did, his business address and telephone number. The sum total of business from these flyers was NONE

What to do – Create marketing materials that are customer focused and included the 4 elements that will have your prospective clients say Yes, thats me I need your help

5. My Dad was an expert at what he did but he was the best kept secret.

What to do – Have a marketing plan to include multiple marketing activities and position yourself as the expert in your field.The go to guy Expose Yourself.metaphorically speaking..haha!

6. He knew his product inside out. He would talk and talk and talk about every detail of it and what it would do. Because of this he often found himself in a price war with his competitors.

What to do – Understand your customers. Be focused on what they want to achieve. Uncover the problems they are having that prevent them from achieving their objectives. Ask questions, dont tell until you know what is relevant

7. He didnt EVER contact his existing customers to explore the opportunity of helping them further. There would have been endless opportunities to sell additional products. His is attitude was Theyll come to me if they want more How could they if they didn’t even know what his additional services were?

What to do – Make sure you use a CRM (Customer Relationship Management) system, even if it is on an excel spreadsheet. Capture the details of your customers, segment them into A B C categories and create a contact programme for each segment. You need to create Top of Mind thinking so they will come to you when they are thinking about your product or service.

Oh how I wish I knew then what I know now. My dad died when he was 52 without ever reaching his full potential.

To continue my story;

In 1999 I had an experience which prompted me to leave the corporate world. Another story for another day!

I made a commitment to dedicate my professional life as a Self Employed Sales and Marketing Leader and Coach and Speaker helping Professional Business Owners and Professional Sales People get more business clients in record time through my workshops, products and coaching programmes.

My work has taken me across the UK and into Europe, America, Canada and South America. My purpose and passion is to help those selling to other businesses to achieve SUCCESS through implementing step by step proven strategies THAT WORK!

If I can help you in anyway, please let me know. I will help you take your business to levels you never thought possible.

About the Author: Dylis works with B2B business owners and Professional Sales People, to help them attract more prospective clients and convert them into high paying clients who give repeat and referral business. She shows business owners how to sell in a professional, transparent and authentic way. Her clients want to know how to to attract a consistent, steady flow of ideal clients without having to work so hard. She shows them the What, Why and How with proven, undiluted, step by step strategies on exactly how to get those high paying clients. Because of this those who work with Dylis get more clients in record time and make more money than they ever would on their own. Never be short of clients ever again! Go to

and download your FREE 21 Sure-Fire Ways to Find Your Ideal Client


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7 October

How A Mortgage Accelerated Loan Program Works

By Craig Elliott-

If you want to own your home free and clear and you know that you are years away from being able to do it, then you should check out a mortgage accelerated ownership program. These programs will help you to pay off your mortgage faster by adding one interest free monthly payment to the premium to your payments each year. This one payment can really add up, especially since the payment goes entirely to your principal and not to the interest on your mortgage account.

So how does it work? The theory behind the mortgage accelerated ownership program is simple and easy to understand. Start with this:

There are 52 weeks in a year.

You are paid (in most cases) every 2 weeks.

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That means that you get paid 26 times in a year.

In most cases, you take your 2 paychecks a month together to pay for your mortgage.

So you pay your mortgage 12 times a year – that’s 24 paychecks.

Where do the other two paychecks go? In most cases, nowhere. Those two “extra” paychecks get placed into a savings account or worse yet; they are spent as soon as they come in since they are “extra”. With a mortgage accelerated loan program, however, those two extra paychecks go right onto your mortgage to create a 13th monthly payment every year, dropping your principal balance by the full amount of a month’s mortgage payment.

There are several ways to do this kind of program, one of which is to simply add a certain amount to your own monthly payment all by yourself. The problem with this is that because you are not enrolled in any special program with your bank, you might be tempted to slack off when there are other better things to spend your money on. Unfortunately, it seems as if there is always something better to spend your money on than extra mortgage payments, and the “program” simply doesn’t work unless you are dedicated to making it work.

A better option is to find out from your bank if you can enroll in a mortgage accelerated loan program through them. They will either bill you every other week for the amount of half your normal mortgage payment, or they will deduct the money automatically, either from your bank account or from your paycheck. This will help you make the payments whether you “want to” or not, because they are coming directly out of your cash flow before you even see it.

Because there are an extra two paychecks in this kind of plan, the balance of those two payments goes directly onto your mortgage, reducing your debt. This can take a good deal of time off of your mortgage, especially if you are settled into a 30 year mortgage already, and are looking for ways to shave off a couple of years.

If your bank or lender does not have an accelerated mortgage repayment program, then consider doing it yourself. You should write out a check for half the amount of your monthly mortgage payment every time you get paid without fail. If your bank will not let you send these checks in individually, then hold onto your first check until you can send both together. Send them two at a time rather than waiting and writing out one every other paycheck, or you may start to allow yourself to slide back into only 12 payments a year.

Also check with your bank to make sure that you will not be penalized for making an extra monthly payment during the course of the year. If they are charging you heavy fees for paying “too much” on your mortgage, then it might not be worth the money that you put onto your premium because of the high cost. If this is the case, then you might want to consider refinancing to get rid of this stipulation. You will still have to pay the fees for an early repayment, but it might be less if it is done all at once, at least.

Another option, especially if you like your bank, is to warn them that you plan to refinance because of the high fees on extra payments. Ask if they would be willing to waive those fees in return for the continuation of your patronage. They might not agree, but it is always good to ask, and you might get just what you are asking for if you talk to the lending division and make your position clear. With no extra payment penalties, your mortgage accelerated loan program or the decision to accelerate your payments will help you own your home free and clear much earlier.

About the Author: Craig Elliott is a freelance writer who writes about topics pertaining to the mortgage industry such as

Mortgage Company | Refinance Home Mortgage


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18 September

Swift, I Os, And Threading}

Swift, iOS, and Threading


Threading has a genuine cost in feeling of memory and execution, each string required memory assignment in both Kernel and your program memory space.

Multi threading was presented in iOS 3.2, we have three choices for multi threading in iOS which is given underneath with fundamental subtle elements:

Have you at any point composed an application where you endeavored to accomplish something, and there was a long respite while the UI was inert?

This is generally a sign that your application needs multithreading!

In this instructional exercise, you’ll get hands on involvement with the center multithreading API accessible on iOS: Grand Central Dispatch.

You’ll take an application that doesn’t utilize multithreading by any means (and subsequently is exceptionally inert), and change over it to utilize multithreading. You’ll be stunned by the distinction!

This instructional exercise expect you know about the nuts and bolts of iOS advancement. On the off chance that you are totally new to iOS improvement, you should look at a portion of alternate instructional exercises on this site first.

Right away, take a drink of pop or bite some air pocket gum and start this instructional exercise in the meantime and you’re as of now on your approach to multithreading! :]

When taking in another dialect I more often than not take after a similar example. I make sense of how to do parallel preparing, reflection, and fabricate a couple of applications. Here is the start of my investigation of threading in Swift. I’m utilizing NSOperations in this post and will take a gander at GCD in a followup post.

Here are the means:

make another quick document and acquire from NSOperation,

supersede NSOperation’s primary technique,

presently make an occasion of your new operation class,

set the string need, and

add it to a NSOperationQueue occasion.

So far not unique in relation to Objective-C.

For this case I will make a Sift class that acquires from NSOperation called BackgroundSillyness. At that point I’ll utilize BackgroundSillyness in a Swift application’s ViewController viewDidLoad strategy.

Making an occasion of NSOperation:

let line = NSOperationQueue()

BackgroundSillyness.swift source

/import the Foundation library

import Foundation

/acquire from NSOperation

class BackGroundSillyness:NSOperation{

/abrogate NSOperation’s void main(void) technique

abrogate func principle() – > (){

println(“hello from foundation”)


So that is the class record. Presently for the source from the ViewController. I’ll just incorporate the source from the viewDidLoad technique with a specific end goal to keep things basic. You will perceive some of what is occurring here on the off chance that you know about Objective-C.

ViewController.swift source

supersede func viewDidLoad() {


/Create another occasion of BackGroundSillyness

let backgroundOperation = BackGroundSillyness()

/* I chose I needed to make sense of how to supplant hinders with terminations,

* soI set the consummation square of the operation.

* ‘hi’ will now print outafter ‘hi from foundation’.



/this is the default esteem, however in the event that you don’t set it you will get a mistake.

backgroundOperation.threadPriority = 0

backgroundOperation.completionBlock = {() – > () in




So there it is. The greater part of alternate properties of NSOperations can be set similarly as the fruition square. You can likewise forget the ‘()- >() in’ bit of the conclusion on the off chance that you need. Quick will induce the information and return sorts for you in the event that you do.

When you run this, you may find that the foundation operation’s message is stirred up in the one printed out in the UI string. It gives the idea that Swift doesn’t line up messages to the comfort. It isn’t an imperfection only brief comment mindful of. You could include a long running circle out of sight operation’s primary technique on the off chance that you might want to prevent this from happening.

More details visit

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30 August

Build Credit The Easy Way

By Charles Essmeier

Building credit can be a chore if you have little or no financial history. The first thing creditors want to know when you apply for a loan is what sort of credit history you have, and they will assess your credit report or credit score to probe your past. How can you establish credit if you have none? If you have limited credit history, it can make it hard or nearly impossible to obtain a loan.

Here are a few tips that could help you on the path to building a solid financial record.

Open a bank account. Make a habit of using your bank accounts regularly by putting away money for an emergency and by paying your monthly bills by personal check. It is a small start, but these are financial transactions and they will help you build a credit history. Be aware that writing bad checks will offset the purpose of having the checking account, so use the account sensibly.

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Be prepared to wait. You should use your savings or checking account and secured charge card for a year or so, making routine payments. In time, you will build a credit score that should earn you the ability to get better credit card accounts and small loans. Waiting can be hard, but building any kind of credit score takes time.

Check your credit report. You can receive a copy of your credit report for free at Make sure that the information on the report is OK, and search for errors. It has been estimated that almost a quarter of all credit reports have errors; if you have another individual’s debt recorded in your name it could reduce your ability to obtain a credit card or loan for years.

Obtain a secured credit card. A secured card is one that has a limit that is guaranteed by a cash deposit. The risk to the card-issuing bank is modest, as they have your money on hand in case you do not pay. Be sure that your bank will give information about the card and your use of it to the credit reporting agencies. Secured credit cards tend to have higher fees and rates than traditional cards; you don’t want to use one if it isn’t going to help you in any way. A card with a limit of as little as $100 could be useful if you use it frequently and pay your bill in a timely manner each month.

Establishing credit takes time and effort, but it is well worth it.

About the Author: Copyright 2007 by Retro Marketing. Charles Essmeier is the owner

, a firm devoted to informational Websites, including

, a site about debt consolidation, personal bankruptcy and other financial matters.


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10 December

Who Is Managing My Money?}

Who Is Managing My Money?


K John

When did you last check who managed your pension fund? You may well remember who the company is that administers your pension scheme but do you know the name of the person that manages your money? Most people do not.

The problem is that most people do not change their pension fund very often. Even if they do have an adviser to tell them to change the funds the fund managers themselves can change without the financial adviser realising.

Make sure you know who is managing your money, most peoples pension assets are one of the greatest assets alongside their home. You would not let a tenant living in a house you change move out and move someone else in without telling you so you should not allow this for your pension fund either.

The author of this article is John Kelly.

The author is a partner at Square One Financial Planning LLP. As well as being a diploma qualified finance planner, he is also a chartered accountant, one of a handful of such dual-qualified individuals in UK.

Square One Financial Planning LLP

is a leading firm of Chartered Financial Planners based in Sussex, UK. Please click here for more information on how

Square One Financial

can help you with your

Pension Planning


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Who Is Managing My Money?