Improve Your Future

Debt problems - we have the solution

2010-08-03T23:35:37.27+01:00

Following on from recent posts regarding the changing nature of this website there is a new page all about debt problems. This is going to be the main focus of this website going forward and several other pages have been/will be adapted to reflect this.

When the website was originally set up it focused on a particular business opportunity. This has now faded away and I am no longer involved in it. Other business opportunities have been and gone but, to be frank, I am rather dissillusioned with them all.

The lure of easy money tempts us all but there is no substitute for hard work and that is why I am now focused on a new project and why I'm still working at 23.24!

I already have a number of debt related sites such as Financeworx Debt Management and I will be working hard to promote them any way I can to achieve my objectives.

Rather than just hope enquiries come my way I have set a goal of 50 debt enquiries by the end of August. This might be ambitious as so far I have only had 1 but this is no time for excuses. A positive attitude is needed and I need to make it happen.

I'm also working on Debts 2 Go website and I've just posted an article on the blog about becoming debt free.

Why focus on debt? Debt is one of the growing areas in many people's life. Did you know total personal debt in the UK stands around £1.5 trillion?

The name of this site is Improve Your Future and for anyone who is struggling with debt an opportunity to reduce and ultimately become debt free would do just that.

It's not impossible no matter how bad your circumstances. It might be hard and you might have to make sacrifices but it will be worth it in the end.

Visit the debt problems page to find out more and to make an initial enquiry to see what can be offered. Some solutions can write off your debt by up to 70% before reducing your monthly repayments, making it easier and quicker to get out of debt.

Debt, debt management and debt training

2010-07-26T16:59:42.041+01:00

Debt - it's a big business. It's estimated that the total level of personal debt in the UK is around £1,460 billion! This is an almost unimageinable number. It does mean that a large proportion of people reading this blog are in debt.

Debt in itself is not necessarily a problem. For instance many people with a large mortgage do not class themselves as "in debt" as they can manage the debt without problem, making their monthly payments each month.

When debt becomes a problem is if you are struggling to keep up with repayments of your monthly bills. If you recognise this situation you should act as soon as possible. Failing to address debt problems will only make them worse.

For free debt advice visit IVA Debt Problem who offer a complete debt solution. This includes debt management, debt consolidation loans, and IVAs (Individual Voluntary Arrangements).

With so many people in debt in the UK there is an opportunity to help them by training to become a debt counsellor. This allows you to work from home with hours to suit you.

Not only is it a way of earning a living (and it could be a good living) but you will be helping solve debt problems for many people who are struggling.

We are currently formulating a debt training package including a two day training course which will take place in the Midlands. At the end of this training course you will be straight up and running with your new business.

Leads in your area can be supplied to get you off to a good start and you can quickly start to generate an income. We provide help and support at every step of the way.

If this sound of interest please use the enquiry form on the front of this website to register your interest. Full details will be available at the end of August including online brochures and marketing materials.

New Word Press blog launched

2010-07-12T11:36:28.821+01:00

I've launched a new blog on the Word Press website. You can find it by clicking - http://a21cntony3.wordpress.com/. I have put a permanent link to it in the "Navigation" links on the right hand side of this blog.

It's not my first Word Press blog (I previously used one on a website I worked on) but it is my first online blog at the Word Press site. It will deal with all of my website work plus random other stuff happening in life.

As I get so little time to update this blog it might seem a little strange to be taking another one on but my Word Press blog will be very much work orientated so will feature a lot more work content. This one can then deal with more personal stuff, rather than resembling a website promotion board.

I haven't finished changing the look and feel of it yet - primarily because I haven't learnt how to yet! The initial photo of a person walking in the countryside is quite nice though so maybe I won't change it too much.

My first post has been made though - http://a21cntony3.wordpress.com/2010/07/12/hello-world/ - dealing with my latest finance related website (car loans and car finance) and my new foray into camping.

My competition wins have been updated - Competition Wins 2010 - with another small win. No sign of a biggie at the moment even though I'm finding enough time (just about) to enter plenty via my favourite competition site - The Prizefinder.com.

This site has recently had a complete overhaul and the changes have not been universally well received. I have found it to be a change for the better, after the initial learning curve which comes with all change.

Fingers crossed for a big win soon - we could really do with it.

Two new websites and one old one

2010-06-21T09:13:06.759+01:00

Not much time to post on the blog as I continue to try and work on a number of website projects. Early days for all of these so it's wait and see if any will be successful.

Around Arnold

A local portal for Arnold, Nottingham. It can be incredibly difficult to find local events, tradesmen, classifieds etc, even with the full power of the internet at your fingertips. Having everything in one place should assist the folk of Arnold find everything they need within a 10 mile radius.

SME Business Resources

Small and medium sized businesses often miss out on the best deals. This website aims to point them in the direction of a number of services specifically aimed at small businesses with cost savings and service improvements in mind.

There will also be business help and advice, articles, news and more.

Car Loans

This site has been around for years and I used to look after it a few years ago. I'm now back with the aim of propelling it further up the search engine rankings.

It offers car loans to all types of applicants, tenants and homeowners, with good or bad credit histories. The site will also carry car loan news, motorsport, a new blog - it will be expanding with new pages and information at a rapid rate.

Starting a new business online - how to make money online

2010-06-13T16:50:52.338+01:00

I started my first website in June 1999. At that time I new nothing about websites and got it built by a friend of a friend who owed me a favour.

In the following months, as I needed to update the site, I taught myself a little about html and went on from there. Throughout the last 11 years I have had a number of websites online and spent a fair proportion of that time earning enough from them to pay the bills.

I've never hit upon the idea that is going to make me a million, and I've put in lots of effort for fairly average rewards, but I live in hope every time I launch a new website!

Anyone can start a new business online. You don't necessarily need your own website, for instance there are many ebay traders who use the ebay platform exclusively.

If you do need your own website the domain name and hosting do not cost much and even if you need to get it built by a web designer there are plenty of freelance designers offering good deals.

Starting a business online is easy, making money online is much tougher. A website without visitors isn't going to generate much of an income.

Many people I know have come to me over the years with internet business ideas and wanted to launch new websites but have not thought about where they are going to get visitors from. This is the fundamental problem with most new websites.

So as well as a good idea you need to think about how to get that idea across to as many people as possible. This will usually involve promoting your business offline as well as online.

Does your new business have geographical limitations? If you are only offering your service in your local area promotion by way of leaflet drops and local advertising is the obvious first step.

It is also easier to achieve good positions in the organic search results quickly if you have a geographical limited keyphrase. eg. "plumber in Nottingham" rather than just "plumber".

A quick way to start a new business online is to buy a ready built website. We offer just such a service at Improve Your Future and along with the website comes a host of promotional ideas, help and advice.

For a very limited outlay you can be up and running with your new online business within 48 hours. To find out more follow this link - start a new online business - make money online.

£34 EPCs in Nottinghamshire, Derbyshire and Leicestershire

2010-06-02T23:24:12.336+01:00

It's been a while since I've updated the blog as I've been busy with various things and thinking about a complete change of direction for this website. I haven't finalised those plans yet so can't report anything here at the moment, you'll just have to wait and see.

What I have been doing is working on some new websites for a friend of mine who is in the EPC business. He was in the HIP business but that's now dead and buried so he needs some help getting some EPC work.

I may have mentioned before on this blog that I was once a DEA (Domestic Energy Assessor) but this was short-lived. I must have done 50-100 EPCs (Energy Performance Certificates) during my brief stint but work dried up and I needed a full time job to support my family.

At the moment the EPCs are available throughout the East Midlands counties of Derbyshire, Leicestershire and Nottinghamshire. I have knocked up a quick webpage on three sites as follows:

Regardless of size of property or location the cost of an EPC is £34 plus vat (£39.95 total). This is actually a VERY good price and you would be hard pushed to better it.

My house has been on the market for a few months and I arranged my HIP (including EPC) with them. The EPC was emailed to me on the day of inspection - they are very efficient.

So if you are looking to get an EPC in Derbyshire, Leicestershire or Nottinghamshire please consider them and visit the above websites. A couple of minutes filling in their online form and you will quickly have your £34 epc.

For those looking for an EPC outside of the East Midlands they also have contacts throughout the UK from their days as HIP providers. They built up a national panel of DEAs so could be able to offer you a £34 epc wherever you live in the UK. Just contact them to find out.

Save Money on Mobile Phones - Tips and Hints

2010-04-21T18:59:15.993+01:00

Mobile phones are essential to most UK consumers these days, not only as a means of chatting and texting, but also as interactive hubs through which the internet and all that it offers can be accessed. Many people own two or three phones, which is proved by the fact that figures show the number of mobiles outweighs the number of people by about a sixth. The mobile market has experienced a bit of a slum due to the recent recession, but the easing of economic hardship has meant that experts predict significant growth for the mobile market this year and in particular the smartphone segment, which is set to expand as mainstream users become aware of the functions that the most powerful handsets offer.

Because the mobile market in the UK is so mature the prices for pay monthly and pay as you go mobile phones are lower than in most other places. This is because network providers compete with one another to bring out the latest phones for free in conjunction with lengthy contracts. It can be a bit of a mine field if you are looking into buying a new mobile phone, because there are so many providers, handsets and packages to consider. If you want to learn how to save money on mobile phones, then read on.

The best way to shop for mobile phones is online. If you head into the high street shops there is a high likelihood of being accosted and charmed into making an unsuitable purchase, although to get a hands-on feel of a phone before you buy it visiting a retail store may be your only option. Shopping online will allow you to compare the hundreds of different deals that are out there and will also let you view impartial advice from professionals and users who have experience with the products that are on offer.

The UK has five major mobile networks to choose from, although there are a number of smaller firms who piggyback on the largest networks` infrastructure to provide their services. O2 and Vodafone have the biggest subscriber base, although this will change once Orange and T-Mobile complete their merger. 3 is the largest independent network provider, although it is still smaller than the four rivals. Your choice of network will depend partly on which offers the best coverage in your area. If you want to access the internet on your mobile phone, then 3G coverage should be a priority fact to check up on before you commit. Most providers should have coverage maps available and price comparison sites will also offer you the ability to check.

You choice of provider will hinge on many other factors, including the phones that they offer, the kinds of tariffs they provide and the minimum contractual period over which you will be required to pay for your mobile phone service. If you are looking for cheap mobile phones for pay as you go use then this should be less important as pay as you go customers are not tied down by contracts and only pay for what they use.

Volcanic Ash, debt problems and more

2010-04-19T13:59:42.087+01:00

Well that's my holiday screwed for another year. I was due to fly to Thailand from Heathrow at 12.30pm last Thursday, when they cancelled all flights from 12pm! So the volcanic ash has claimed another victim, one of millions Europe-wide.

It cost me some money, not on my main flight but on a connecting flight, plus a wasted day and diesel travelling to and from Heathrow. Plus I apparently have to wait several weeks for my refund (why?). Anyway it could have been worse and many people are in a much worse predicament stranded abroad or missing really important events rather than just a sunny holiday.

It will be interesting to see when flights resume, and whether the airlines apparently succesful test flights in the volcanic ash sway the decision to re-open European air space. There are going to be some serious economic consequences if flights don't resume soon.

So it's back to the day job instead of lazing on the beach. Currently continuing work on IVA Debt Problem, a website dealing with debt problems and solutions including debt management, debt consolidation and IVAs.

Starting to make its way up the rankings, albeit rather slowly, but I have high hopes for it making the front page for a key phrase or two in the next few months.

Nothing much else to report, no competition wins, no good luck of any kind in fact! No new projects on the go, I really need to concentrate on the ones I already have and start to make them profitable (easier said than done).

So just to remind you there are pages on the main website for making money, online business opportunities and more. If you haven't given them a read so far now is the time - everyone could do with some more money in these difficult times.

Compare mortgages online with Mortgage Refused

2010-04-12T16:54:12.571+01:00

Getting a mortgage these days can be difficult, even if you don't have credit problems. Mainstream lenders want applicants to tick all of their boxes otherwise it's a declined application.

The great thing about Mortgage Refused is that they have a mixture of mainstream and non-status lenders so they can cater for all types of applicant.

Now they have introduced a new service enabling website visitors to compare mortgages online. It only takes a minute or so to get a quick quote and another minute to make an initial enquiry if they produce a mortgage quote that you're happy with.

Whether you have credit problems or not, Mortgage Refused will help you get the mortgage you want with a monthly repayment you can afford.

They also offer a mortgage calculator and a section on regular secured and unsecured loans. They have a standard rate phone number so if you want to discuss your circumstances before applying you can do so.

A part of the Cavendish group they have over 30 years experience in the credit field, so you know you can rely upon them.

Work from home business opportunity

2010-04-12T14:09:09.102+01:00

Just been told about a new work from home business opportunity. It's VERY early days at present and the website is not yet fully up and running but the details I have heard make it sound interesting.

This business opportunity can be run from home and fit in around your existing commitments. It does involve some training but most people would be able to learn it in a relatively quick timescale.

You are not on your own as some leads will be supplied as part of your package meaning you can be up and running and making money relatively quickly.

As with all business opportunities you cannot just sit on the sofa and expect cash to roll in without any work. You will only get out of it what you are prepared to put into it.

Being self employed and working from home is not for everyone. Many people who are currently in 9 to 5 jobs and wishing they could make that change might be surprised how much self determination you need to make a go of it on your own. Also you don't have the safety net of a steady income when you first go self employed.

So think carefully before getting involved with any type of work from home opportunity, although if it is part-time to start with (fitting around your main job) and does not involve a large financial commitment what have you got to lose?

I can't post too many details at the moment but will do so as more information is made available. In the meantime keep your eyes on their website, New Home Career, which will launch fully in the coming weeks.

Cheltenham, Debt Problems, Blogs and more

2010-03-22T16:10:37.3+00:00

A good Cheltenham festival for me. Started off with the first two winners on Tuesday at 12/1 and 6/1. Added 7/1 and 14/1 winners on Wednesday, a 9/1 winner on Thursday and very unlucky on Friday with a 33/1 second place. Made a very small profit but at least better than losing money.

So no debt problems for me currently, although I'm not retiring either. On the subject of debt I'm currently working on a new debt problem blog for one of my website clients. This should be fully up and running by the end of the week and will offer debt advice and help for anyone who find themselves in this tricky situation.

UPDATE - 31st March 2010

This post was cut short as my wife was taken ill and ended up in hospital for an operation. Many thanks to my employers, 21c Telecom Ltd, who have let me take time off at short notice to look after my wife and son.

21c Telecom offer business phones to all UK businesses. This includes mobile phones, landline phones as well as broadband and mobile broadband. In fact they specialize in providing converged communication solutions for businesses large and small, handling all communication and IT provision ensuring the best possible mix of cost and efficiencies.

Not sure when the next blog post will be as I will be looking after my wife for a few days yet as she recovers. Fingers crossed it will be about a big competition win as we need a bit of luck at the moment.