Hi everyone I hope you are all keeping well.
As we move into the new year we need activity to lift.It has been slow of late.I think many businesses do not realise how fast banks are going to reduce commercial lending.
In the U.K. some businesses are not aware of this .They need to look for other forms of raising finance and retail bonds will fill this gap.
They do however need to look into other ways of raising finance before they find they are at a brick wall with no where to go.
May next years investing for you be successful and have a happy new year.
Christopher.
Tuesday, 31 December 2013
Thursday, 12 December 2013
Raising Finance for the New Year.Thinking ahead.
Hi everyone I hope you are keeping well.
As we move to the new year I wonder how many finance directors in the U.K. are planning to diversify their debt raising.Do they realise how far the banks will pull back from lending money to SME's .
All this information is in the open domain but I still think there are many in business that are unaware how tight financing will be.Raising money by issuing retail bonds is not for all companies due to their size.Those that do need to plan in advance so that they can allow the proper organisation and paperwork to be completed.
Those that need to raise finance can do by going to non bank lending platforms www.nonbanklending.co.uk
but even this requires time to raise the funds required .So we are moving into an era when finance directors need to think more in advance when planning fund raising.
The new ways of financing will grow as they become more established and settle into main stream finance.
Enhancing the use of retail bonds will help the market for raising finance as I now believe the government realise that banks will no longer offer the range and quantity of finance we have become so used to.
Happy and successful investing to you all now and next year.
Christopher.
As we move to the new year I wonder how many finance directors in the U.K. are planning to diversify their debt raising.Do they realise how far the banks will pull back from lending money to SME's .
All this information is in the open domain but I still think there are many in business that are unaware how tight financing will be.Raising money by issuing retail bonds is not for all companies due to their size.Those that do need to plan in advance so that they can allow the proper organisation and paperwork to be completed.
Those that need to raise finance can do by going to non bank lending platforms www.nonbanklending.co.uk
but even this requires time to raise the funds required .So we are moving into an era when finance directors need to think more in advance when planning fund raising.
The new ways of financing will grow as they become more established and settle into main stream finance.
Enhancing the use of retail bonds will help the market for raising finance as I now believe the government realise that banks will no longer offer the range and quantity of finance we have become so used to.
Happy and successful investing to you all now and next year.
Christopher.
Sunday, 24 November 2013
U.K. Future adjustments in spread.
Hi everyone I hope you are all keeping well.
Retail bond issues in the U.K. have been very quiet since the summer which is surprising to me as commercial funding by the larger banks shrink and will do so more by January 2014 as the require more capital.
Companies will be looking more so to raise capital in other ways to balance their borrowing requirements and to restrict the power that any one lender has on their debt.
I am sure more and more companies are looking at raising finance by issuing retail bonds but the information out there is still too limited for them to learn enough and be confident to go the last step.This will improve over time.
We are moving into a period of society assisting society as we begin to realise what has been going on behind the scenes of the big lenders as more is coming out every day.
As a finance director of a company ,along with the board, the survival of the company is a main objective.A balance of debt funding is part of that objective.
I do think as we move into 2014 we will see more and more retail bonds issued as companies get more confident.The market is still in its' infancy and has a long way to go.
As with all types of investment when requiring advice it is necessary that it is from advisers registered with the F.C.A. in the U.K. or those registered with the relevant authority in the country the companies are based.
www.RetailBonds.co.uk
Happy and successful to you all.
Retail bond issues in the U.K. have been very quiet since the summer which is surprising to me as commercial funding by the larger banks shrink and will do so more by January 2014 as the require more capital.
Companies will be looking more so to raise capital in other ways to balance their borrowing requirements and to restrict the power that any one lender has on their debt.
I am sure more and more companies are looking at raising finance by issuing retail bonds but the information out there is still too limited for them to learn enough and be confident to go the last step.This will improve over time.
We are moving into a period of society assisting society as we begin to realise what has been going on behind the scenes of the big lenders as more is coming out every day.
As a finance director of a company ,along with the board, the survival of the company is a main objective.A balance of debt funding is part of that objective.
I do think as we move into 2014 we will see more and more retail bonds issued as companies get more confident.The market is still in its' infancy and has a long way to go.
As with all types of investment when requiring advice it is necessary that it is from advisers registered with the F.C.A. in the U.K. or those registered with the relevant authority in the country the companies are based.
www.RetailBonds.co.uk
Happy and successful to you all.
Tuesday, 22 October 2013
Housing market in the U.K. getting hot.
Hi everyone I hope you are all keeping well and life is treating you better.
In the U.K. the housing market is getting a bit wild and attracting greed and avarice yet once again.Rental housing stock is really out of control as rents go ever skyward.
You are beginning to see houses now occupied by three generations from Europe as they come here for work consequently paying the higher rents on the 3 bedroomed houses sending the market ever higher.
The greatest problem is the development of housing stock in the U.K.It is not producing enough for the families sitting on the sidelines and the earning capacity of the working population is not growing as rental costs and energy costs eat into their budgets.
Mathematically there has to be a correction and this will come but who knows when.It will however happen soon as some of the large companies fail in rolling over their accumulated debts and the public cannot spent what they have not got .
Overtime at work is now a past thing in the U.K. therefore limiting families spending power.The rising cost of energy will inevitably make them change there way of life.
Families in the U.K.also tell me that they do not do a months grocery shopping but split it into weekly or twice weekly shopping trips.
All of this tells me that peoples spending habits are changing.It will get to a point soon where defaults on rental properties and mortgage defaults will start to rise.
Greed and avarice always leaves its tail of problems for society.
On a happier note we are still in mild weather in the U.K.Should make a shorter winter if it continues like this.
Happy and successful investing to you all.And sometimes lets help those who are not as lucky as we are.
In the U.K. the housing market is getting a bit wild and attracting greed and avarice yet once again.Rental housing stock is really out of control as rents go ever skyward.
You are beginning to see houses now occupied by three generations from Europe as they come here for work consequently paying the higher rents on the 3 bedroomed houses sending the market ever higher.
The greatest problem is the development of housing stock in the U.K.It is not producing enough for the families sitting on the sidelines and the earning capacity of the working population is not growing as rental costs and energy costs eat into their budgets.
Mathematically there has to be a correction and this will come but who knows when.It will however happen soon as some of the large companies fail in rolling over their accumulated debts and the public cannot spent what they have not got .
Overtime at work is now a past thing in the U.K. therefore limiting families spending power.The rising cost of energy will inevitably make them change there way of life.
Families in the U.K.also tell me that they do not do a months grocery shopping but split it into weekly or twice weekly shopping trips.
All of this tells me that peoples spending habits are changing.It will get to a point soon where defaults on rental properties and mortgage defaults will start to rise.
Greed and avarice always leaves its tail of problems for society.
On a happier note we are still in mild weather in the U.K.Should make a shorter winter if it continues like this.
Happy and successful investing to you all.And sometimes lets help those who are not as lucky as we are.
Friday, 18 October 2013
Is the U.K. growing?
Hello everyone I hope you are all keeping well.
All the reports in the papers in the U.K. say the U.K. is doing well.We hope it is.However on the street the spending does not add up.Figures from companies coming out look good but are they reducing costs and restricting investment to get them.
On the street more is being done to fill shops in the high street but I wonder how many of them will still be there when the subsidies run out.
It does make things look better but renting property in the U.K. is out of control.Way out of control.Estate agents are pleased to be earning more but the rental market must be close to collapse now as normal income earners cannot afford the rents any more .Greed and avarice are reigning at the moment but defaults will be large.
The housing market is dragging in landlords who are not experienced.Expect again some to get hurt financially badly when the correction comes .And it will.
Happy and successful investing to you all.
Sunday, 13 October 2013
Restructuring finance in the U.K.
Hi everyone I hope you are all well still.
It seems to be common knowledge now that banks in the Eurozone and the U.K. in particular have been reducing funding to small businesses ,which are the life blood of all economies.
As we know they are the life blood of all economies why is it still that so much is done to kill them at birth.Is it still that so many do not like change or worried by competition.Competition makes the market the problem is when businesses arise that are obviously trading with too thin a margin to succeed long term.
That is where the damage is done but hey that is life.
There is a new organisation just set up called the Centre for Entrepreneurship in the U.K. I wish it well as for too long have self employed people in the U.K. never had a voice strong enough for achieving change.
Looking for other forms of financing in the U.K. is important as the world of financing is changing rapidly .It is better that people and finance directors accountants and business advisers familiarise themselves with the new ways fast to enable their clients to survive and succeed.
In talking to various people involved in advising their business clients I am surprised how many are not up to date with the newer ways of financing.Things much change if the U.K. is to continue moving forward.
We will do our very best to promote the new ways of financing and to get the knowledge out there.
You all could also help as I am sure you know business friends who should be pointed into the right direction to at least study and learn about future ways of financing when they need it.
For large companies Retail Bonds, for individuals and small companies ,nonbanklending such as crowdfunding,peer to peer and microfinance.
Happy and successful investing to you all.
It seems to be common knowledge now that banks in the Eurozone and the U.K. in particular have been reducing funding to small businesses ,which are the life blood of all economies.
As we know they are the life blood of all economies why is it still that so much is done to kill them at birth.Is it still that so many do not like change or worried by competition.Competition makes the market the problem is when businesses arise that are obviously trading with too thin a margin to succeed long term.
That is where the damage is done but hey that is life.
There is a new organisation just set up called the Centre for Entrepreneurship in the U.K. I wish it well as for too long have self employed people in the U.K. never had a voice strong enough for achieving change.
Looking for other forms of financing in the U.K. is important as the world of financing is changing rapidly .It is better that people and finance directors accountants and business advisers familiarise themselves with the new ways fast to enable their clients to survive and succeed.
In talking to various people involved in advising their business clients I am surprised how many are not up to date with the newer ways of financing.Things much change if the U.K. is to continue moving forward.
We will do our very best to promote the new ways of financing and to get the knowledge out there.
You all could also help as I am sure you know business friends who should be pointed into the right direction to at least study and learn about future ways of financing when they need it.
For large companies Retail Bonds, for individuals and small companies ,nonbanklending such as crowdfunding,peer to peer and microfinance.
Happy and successful investing to you all.
Saturday, 12 October 2013
U.K. company cash flows restricted.
Hi everyone I hope you are all well.
Cash flow to companies within the U.K. are finding their financing being restricted by the very banks that say they are helping them.
It is obvious by the activity in the U.K., which is pretty dormant at this point in time,and the drag on paying bills and accounts late that loans and overdrafts are still restricted or reduced by the very financial companies that should be helping them to continue and expand.
It seems that the banks and financial companies are again chasing the property world again.as before.This is detrimental to the economy of the U.K. and to peoples' costs as rental incomes are driven skyward.
Despite the promises that are made by those involved the economy is suffering big time in the U.K.How successive governments seen to not learn is incredible when they are supposed to be there for the benefit of the country as a whole.
The current lend to buy scheme is doing untold damage to the rental sector and the psychology of those struggling to survive in today's financial climate.
Unless stability at the bottom level and cash flows do not return to normality soon I can see many problems appear as funding dries up.
And when you consider that the very banks that are reducing their global coverage to concentrate on their customers in the U.K. are now cutting their customers access to cash it does make you wonder what they are up to.
They are oblivious to the fact that people find their ways around doing without companies that mistreat them again and again and new ways of financing are developing to fill those gaps.Maybe as one report I read said banks will end up just being part of the system of finance not the main part as they are today.
I am sure that there are some that work in the banking system think that will not ever happen.There were many large companies in the U.K. thought that about their business that are no longer here in existence.
We need a new type of banker now to come forward and if there are any of you that read this please step forward now as people are getting fed up with 5 years of austerity and in the U.K. WILL NOT put up with another 5 years .That I do know.
Happy and successful investing to you all.
Cash flow to companies within the U.K. are finding their financing being restricted by the very banks that say they are helping them.
It is obvious by the activity in the U.K., which is pretty dormant at this point in time,and the drag on paying bills and accounts late that loans and overdrafts are still restricted or reduced by the very financial companies that should be helping them to continue and expand.
It seems that the banks and financial companies are again chasing the property world again.as before.This is detrimental to the economy of the U.K. and to peoples' costs as rental incomes are driven skyward.
Despite the promises that are made by those involved the economy is suffering big time in the U.K.How successive governments seen to not learn is incredible when they are supposed to be there for the benefit of the country as a whole.
The current lend to buy scheme is doing untold damage to the rental sector and the psychology of those struggling to survive in today's financial climate.
Unless stability at the bottom level and cash flows do not return to normality soon I can see many problems appear as funding dries up.
And when you consider that the very banks that are reducing their global coverage to concentrate on their customers in the U.K. are now cutting their customers access to cash it does make you wonder what they are up to.
They are oblivious to the fact that people find their ways around doing without companies that mistreat them again and again and new ways of financing are developing to fill those gaps.Maybe as one report I read said banks will end up just being part of the system of finance not the main part as they are today.
I am sure that there are some that work in the banking system think that will not ever happen.There were many large companies in the U.K. thought that about their business that are no longer here in existence.
We need a new type of banker now to come forward and if there are any of you that read this please step forward now as people are getting fed up with 5 years of austerity and in the U.K. WILL NOT put up with another 5 years .That I do know.
Happy and successful investing to you all.
Friday, 4 October 2013
New issues start to come in.
Hi everyone I hope you are all well.
As I said in one of my previous posts I expected activity in retail bonds to take of as we move out of September.The summer lull in activity will disappear quick I believe and companies will start to push forward in issuing retail bonds.
The first to come in is from a provider of social housing .They are looking to raise £150 million pounds to built houses to rent and some to sell.
The full details are on our site www.retailbonds.co.uk/
The minimum investment is £2000.
We expect more housing associations to issue retail bonds in the future as government funding is altering in 2014.
Happy and successful investing to you all.
As I said in one of my previous posts I expected activity in retail bonds to take of as we move out of September.The summer lull in activity will disappear quick I believe and companies will start to push forward in issuing retail bonds.
The first to come in is from a provider of social housing .They are looking to raise £150 million pounds to built houses to rent and some to sell.
The full details are on our site www.retailbonds.co.uk/
The minimum investment is £2000.
We expect more housing associations to issue retail bonds in the future as government funding is altering in 2014.
Happy and successful investing to you all.
Tuesday, 1 October 2013
U.K.activity dormant but not for long.
Hello everyone I hope you are all well.
The U.K. activity in retail bonds is very very quiet as things have not picked up since the summer.There seems to be a malaise amongst people in the U.K. and they do not want another 6 years austerity as suggested by some newspapers here.
The major banks are chasing the housing market in the U.K. and it is reported that lending to businesses in the U.K. by the banks was down £3.6 billion in August.
I cannot confirm this figure but that is one issued in a major newspaper.
If it is correct then banks are obviously chasing the security of property and finance will have to be raised another way, and for some retail bonds will be the answer.
Some will have been thinking of this for some time and will soon be looking to progress on this.
For smaller types of funding for projects then peer to peer and crowdfunding will fill the gap.In the U.K these come under the Financial Conduct Authority's remit from April 2014. A paper on the regulations will be issued soon.
As these types of funding develop I am sure they will expand into other similar types of funding as the market grows.They must however also come under the remit of the F.C.A.
For further information you can go to
www.retailbonds.co.uk on retail bonds and www.nonbanklending.co.uk for links to crowdfunding and peer to peer platforms .
Happy and successful investing to you all.
The U.K. activity in retail bonds is very very quiet as things have not picked up since the summer.There seems to be a malaise amongst people in the U.K. and they do not want another 6 years austerity as suggested by some newspapers here.
The major banks are chasing the housing market in the U.K. and it is reported that lending to businesses in the U.K. by the banks was down £3.6 billion in August.
I cannot confirm this figure but that is one issued in a major newspaper.
If it is correct then banks are obviously chasing the security of property and finance will have to be raised another way, and for some retail bonds will be the answer.
Some will have been thinking of this for some time and will soon be looking to progress on this.
For smaller types of funding for projects then peer to peer and crowdfunding will fill the gap.In the U.K these come under the Financial Conduct Authority's remit from April 2014. A paper on the regulations will be issued soon.
As these types of funding develop I am sure they will expand into other similar types of funding as the market grows.They must however also come under the remit of the F.C.A.
For further information you can go to
www.retailbonds.co.uk on retail bonds and www.nonbanklending.co.uk for links to crowdfunding and peer to peer platforms .
Happy and successful investing to you all.
Tuesday, 13 August 2013
Retail bond market activating soon after the holidays.
Hi everyone I hope you are all well,
August has been a quiet month for retail bond issues but we expect activity to pick up fast as we enter September.
It has been reported that European banks have to reduce their assets to reduce risk so we expect more companies in the U.K. and Europe to start actively issuing retail bonds or organising themselves to do so.
We have had www.retailbonds.co.uk active for some time and are soon going to revamp the site and make it more informative.
We will now start to make the European site more informative www.retailbonds.eu for those who wish to see how the European market will grow country by country.
Happy and successful investing to you all.
August has been a quiet month for retail bond issues but we expect activity to pick up fast as we enter September.
It has been reported that European banks have to reduce their assets to reduce risk so we expect more companies in the U.K. and Europe to start actively issuing retail bonds or organising themselves to do so.
We have had www.retailbonds.co.uk active for some time and are soon going to revamp the site and make it more informative.
We will now start to make the European site more informative www.retailbonds.eu for those who wish to see how the European market will grow country by country.
Happy and successful investing to you all.
Saturday, 10 August 2013
Retail bonds attract local authority thinkers.
It is believed ,having discussed this at previous meetings,that some local authorities are thinking of the possibility of issuing retail bonds to assist in their financial requirements.
It is believed that at least one if not possibly two city local authorities in the West Midlands in the U.K. are discussing this.This will be a first.
If it does come to fruition we will report it to you with the necessary information.
Happy and successful investing to you all.
Joining companies to investors,investors to companies www.retailbonds.co.uk
It is believed that at least one if not possibly two city local authorities in the West Midlands in the U.K. are discussing this.This will be a first.
If it does come to fruition we will report it to you with the necessary information.
Happy and successful investing to you all.
Joining companies to investors,investors to companies www.retailbonds.co.uk
Tuesday, 6 August 2013
U.K.finance and the summer blues.
Hi everyone,
moving into the month of August summer temperatures are cooling.
Contrasting retail figures show turnover up and profit margins down.Some of the big boys are running to stand still.Can they continue running fast.I do not think some will keep it up.
The business horizon is changing and some of the big boys are facing new financially well backed competition especially in the food trade.Expect some of the big boys to suffer as the competition comes really active.This will hurt them in their cash flow where it really hurts.
Watch them start to dump some of the business models they are in and watch them dump some of their product lines they have entered which never have really made them money and just used up their cash flow.
In the U.K. crowdfunding and peer to peer is now taking off but does need to be explained to many businesses that can now raise funds by this way.It will be some time for the market to grow with independant traders and other businesses but the market will be large.
Crowdfunding sites and peer to peer can be accessed through www.nonbanklending.co.uk for sites in the U.K. this includes property peer to peer sites also.
Hope you are all keeping well.
Happy and successful investing to you all
And may the sun shine on you so you can enjoy life.
moving into the month of August summer temperatures are cooling.
Contrasting retail figures show turnover up and profit margins down.Some of the big boys are running to stand still.Can they continue running fast.I do not think some will keep it up.
The business horizon is changing and some of the big boys are facing new financially well backed competition especially in the food trade.Expect some of the big boys to suffer as the competition comes really active.This will hurt them in their cash flow where it really hurts.
Watch them start to dump some of the business models they are in and watch them dump some of their product lines they have entered which never have really made them money and just used up their cash flow.
In the U.K. crowdfunding and peer to peer is now taking off but does need to be explained to many businesses that can now raise funds by this way.It will be some time for the market to grow with independant traders and other businesses but the market will be large.
Crowdfunding sites and peer to peer can be accessed through www.nonbanklending.co.uk for sites in the U.K. this includes property peer to peer sites also.
Hope you are all keeping well.
Happy and successful investing to you all
And may the sun shine on you so you can enjoy life.
Sunday, 4 August 2013
U.K.has to change.
Hi everyone,
The latest in the U.K. is to change all the empty high street shops into living accomodation. Therefore making people use some type of transport to shop out of town .If you have not got transport hard luck.
Where is this thinking coming from?
There seems to be an attitude in the U.K. that others do not matter.The others being all those that are getting old, not computer literate and do not have or cannot afford transport.
Everything is going on line.Rubbish . 11% so far in sales on line but how true are these figures.Oh you should not ask that.What about wrong products dispatched or items returned.I would like to see those figures.
Also when I went to school 11% was not all unless mathematics have changed in the intervening years.
Also there is talk that people in the U.K will soon be having to retire at 70 years of age based on our living longer.
I think it is about time we had some leaders get together and look at the really long term because the way things are projected in the U.K at today's thinking we will be retiring at a 100 years of age in another 70 years time.
Time for us to get together and decide what society will want and to make some financial investments work for society not for a few who get super rich on them.
Having a really good living out of being successful and skilled is not a problem.Becoming super rich is the problem.
Happy and successful investing to you all and lets sometimes think of others and change the world for better times.
The latest in the U.K. is to change all the empty high street shops into living accomodation. Therefore making people use some type of transport to shop out of town .If you have not got transport hard luck.
Where is this thinking coming from?
There seems to be an attitude in the U.K. that others do not matter.The others being all those that are getting old, not computer literate and do not have or cannot afford transport.
Everything is going on line.Rubbish . 11% so far in sales on line but how true are these figures.Oh you should not ask that.What about wrong products dispatched or items returned.I would like to see those figures.
Also when I went to school 11% was not all unless mathematics have changed in the intervening years.
Also there is talk that people in the U.K will soon be having to retire at 70 years of age based on our living longer.
I think it is about time we had some leaders get together and look at the really long term because the way things are projected in the U.K at today's thinking we will be retiring at a 100 years of age in another 70 years time.
Time for us to get together and decide what society will want and to make some financial investments work for society not for a few who get super rich on them.
Having a really good living out of being successful and skilled is not a problem.Becoming super rich is the problem.
Happy and successful investing to you all and lets sometimes think of others and change the world for better times.
August retailing in the U.K.
Hi everyone,good times ahead?
In the U.K. although there is a lot of money in the U.K. it is not moving around.Cashflow is really tight.Many large companies have still not grasped the power the internet has given people.
People are educating themselves and are better informed.Internet retailng is still about 11% in the U.K. not the 'it is all going online as they say'.
Spending has dropped dramaticaly as earnings have dropped in the U.K.
Profits have recovered for many companies substantionaly so. More income has to filter lower down and 0 hour contracts will have to be got rid of .O hour contacts are a growing problem for many and there is a growing resentment of them in the U.K.
However things will improve in the U.K.
Happy and successful investing to you all.
In the U.K. although there is a lot of money in the U.K. it is not moving around.Cashflow is really tight.Many large companies have still not grasped the power the internet has given people.
People are educating themselves and are better informed.Internet retailng is still about 11% in the U.K. not the 'it is all going online as they say'.
Spending has dropped dramaticaly as earnings have dropped in the U.K.
Profits have recovered for many companies substantionaly so. More income has to filter lower down and 0 hour contracts will have to be got rid of .O hour contacts are a growing problem for many and there is a growing resentment of them in the U.K.
However things will improve in the U.K.
Happy and successful investing to you all.
Thursday, 1 August 2013
U.K. Summer in recession.
Hi Everyone,
Summer in the U.K. I do think this summers heat has just about saved the U.K. from recession yet once again.It has definitely saved a lot of businesses(holiday) from going bust as people stay in the country.
However to the end of July cash was getting tight and cash flow again is not good.One cannot decide whether the public are paying back bills or just not spending or have now spare money.It is hard to guess.
It would be nice to see the economy lift as we head to September but I still think some big retailers will go bust as they are not making the profit required on their sales .We still need a clear out of the big boys who are spoiling the economy in the U.K.
On a better note happy and successful investing to you all.Win the day,most of the time.
Summer in the U.K. I do think this summers heat has just about saved the U.K. from recession yet once again.It has definitely saved a lot of businesses(holiday) from going bust as people stay in the country.
However to the end of July cash was getting tight and cash flow again is not good.One cannot decide whether the public are paying back bills or just not spending or have now spare money.It is hard to guess.
It would be nice to see the economy lift as we head to September but I still think some big retailers will go bust as they are not making the profit required on their sales .We still need a clear out of the big boys who are spoiling the economy in the U.K.
On a better note happy and successful investing to you all.Win the day,most of the time.
Friday, 31 May 2013
U.K. finance going wrong.
Austerity,austerity and planned moves to give finance to housing is only making funding to businesses get worse and worse.Banks are only interested in lending to house purchases and that is overheating an already expensive house market.
Businesses are actually now being forced to look for other avenues to raise finance.Once tasted they will move from banking finance in droves.This will only make the non bank lending market www.nonbanklending.co.uk grow fast as businesses cannot wait for things to change as we are all being told it is getting better.It is not.
It is disappointing that the Government seems to have lost its way and is relying on housing and retailing to lift the U.K. out of recession.It will not.
Retailing is in a real mess as the big companies struggle to deal with changing spending patterns of the British public.Some companies will shrink dramatically and some will fall altogether.Thy are all chasing the same market and trying to talk up peoples spending power.When will large companies realise markets are only so big and they can not all have a big share.
Happy and successful investing to you all.
Businesses are actually now being forced to look for other avenues to raise finance.Once tasted they will move from banking finance in droves.This will only make the non bank lending market www.nonbanklending.co.uk grow fast as businesses cannot wait for things to change as we are all being told it is getting better.It is not.
It is disappointing that the Government seems to have lost its way and is relying on housing and retailing to lift the U.K. out of recession.It will not.
Retailing is in a real mess as the big companies struggle to deal with changing spending patterns of the British public.Some companies will shrink dramatically and some will fall altogether.Thy are all chasing the same market and trying to talk up peoples spending power.When will large companies realise markets are only so big and they can not all have a big share.
Happy and successful investing to you all.
Tuesday, 30 April 2013
Spending in the U.K.
Spending in the U.K is still subdued and not good.Although I do believe money will be pumped into the U.K. economy as we approach the main elections.However the active Britons, naturally born here and those from a country from abroad and are resident here, are fed up of the smoking mirror,now you see it now you don't syndrome.
We need proper activity in the U.K. not false promises that are announced.Retailing is not good .Those that seem to be achieving sales are doing it on the back of credit.Which seems to be the larger companies.I hope interest rates do not move higher.That will put the cat among the pigeons with results that will not be pleasant.
For those of you interested in Horse racing,the Jockey Club in the U.K. are issuing Retail Bonds.The information can be found at www.RetailBonds.co.uk
Happy and successful investing to you all.
We need proper activity in the U.K. not false promises that are announced.Retailing is not good .Those that seem to be achieving sales are doing it on the back of credit.Which seems to be the larger companies.I hope interest rates do not move higher.That will put the cat among the pigeons with results that will not be pleasant.
For those of you interested in Horse racing,the Jockey Club in the U.K. are issuing Retail Bonds.The information can be found at www.RetailBonds.co.uk
Happy and successful investing to you all.
Thursday, 18 April 2013
Retailing U.K. style at present.
In the U.K. spending has slowed dramatically as we move into April.Cashflow has slowed and is causing stress in businesses as they try to encourage customers to spend.Which they are not.
As the seriousness of cash flow reduction goes on I think we will see more businesses go to the wall.The austerity in the U.K. is driving the will and the lifeblood out of the British people.The weather is getting better but even that does not bring the shoppers out.
There are calls for the Chancellor to help cashflow and increase business but this will not happen until the new Bank of England head from Canada is installed in his job.Even then it will be limited until the present Government can see the election coming.
It does concern me that politicians seem to play with people's lives and do not operate for the greater good of society for which they are elected.The internet is educating society and that will lead to greater scrutiny in the U.K.
For those of you interested in Retail Bonds their is a new issue by an established company that is an international finance lender. For more information go to www.RetailBonds.co.uk
As the seriousness of cash flow reduction goes on I think we will see more businesses go to the wall.The austerity in the U.K. is driving the will and the lifeblood out of the British people.The weather is getting better but even that does not bring the shoppers out.
There are calls for the Chancellor to help cashflow and increase business but this will not happen until the new Bank of England head from Canada is installed in his job.Even then it will be limited until the present Government can see the election coming.
It does concern me that politicians seem to play with people's lives and do not operate for the greater good of society for which they are elected.The internet is educating society and that will lead to greater scrutiny in the U.K.
For those of you interested in Retail Bonds their is a new issue by an established company that is an international finance lender. For more information go to www.RetailBonds.co.uk
Sunday, 24 March 2013
Retailing and weather U.K. style.
In the U.K. being the end of March ,the weather is abysmal and for some retailers the end of March have to pay their next 3 months rent in advance.The disturbance to cashflow will be fatal for some .
That is sad as more lose their jobs.Also sales are distorted in the U.K. as more of certain types of products ,even low level items ,are being sold on credit to people with low incomes again who may struggle to finaly pay back for the item.
Also their is a growing chain in the U.K. who sell to the lower level of incomes with excessively high interest rates that should come under the current legislation being assigned by our current Government to Pay Day loan companies.
Cashflow is still tight in the U.K. I can assure you so we still have a long way to go to get out of this low level.
Happy and successful investing to you all.
That is sad as more lose their jobs.Also sales are distorted in the U.K. as more of certain types of products ,even low level items ,are being sold on credit to people with low incomes again who may struggle to finaly pay back for the item.
Also their is a growing chain in the U.K. who sell to the lower level of incomes with excessively high interest rates that should come under the current legislation being assigned by our current Government to Pay Day loan companies.
Cashflow is still tight in the U.K. I can assure you so we still have a long way to go to get out of this low level.
Happy and successful investing to you all.
Sunday, 17 March 2013
Retailing and online.
I have just read an article whereas it states that between 2012 and 2016 90% of retail sales will be online.Where do they get their figures from?
There are many in the U.K. who do not use the internet or have no computer.Are these shoppers going to be ignored.Not everyone has friends or family to do it for them.
Also you have the pay The Gatekeeper . He who supplies the distribution services ,relative to competition, controls the cost of distribution.He can increase costs to the retailer as some are doing now.
Also online sales has to deal with a greater amount of returns which have to be sold or disposed of.Retailing online is not as easy as some make it out to be.
Retailing ,as in many industries ,is reconstructing .The internet and people's increased access and knowledge are creating that.Customers spending has collapsed as some are now acknowledging .
Interesting times lay ahead.
Happy and successful investing to you all.
There are many in the U.K. who do not use the internet or have no computer.Are these shoppers going to be ignored.Not everyone has friends or family to do it for them.
Also you have the pay The Gatekeeper . He who supplies the distribution services ,relative to competition, controls the cost of distribution.He can increase costs to the retailer as some are doing now.
Also online sales has to deal with a greater amount of returns which have to be sold or disposed of.Retailing online is not as easy as some make it out to be.
Retailing ,as in many industries ,is reconstructing .The internet and people's increased access and knowledge are creating that.Customers spending has collapsed as some are now acknowledging .
Interesting times lay ahead.
Happy and successful investing to you all.
Wednesday, 13 March 2013
Retail Bonds and School investment.
It has been reported that the education department has been investigating raising capital by issuing bonds for rebuilding School and investments.The use of Retail Bonds in this equation would attract capital for reconstruction and investment into the top calibre style of schools but would leave the underperforming and schools in deprived areas out of the capital attracted.
However if the top schools could attract capital in this way then it would :-
a) Reduce the capital needed to be raised by Government for the top schools.
b)Allow Government to concentrate on improving schools in deprived areas and non performing schools.
c) Also if the Government would allow the capital invested in retail bonds to be covered by the same rules as bank accounts but say Retail Bonds up to £10,000 as long as the bond issuers were monitored strictly that would attract substantial capital to companies with a limited potential loss to the exchequer.
d) All Retail Bonds should be of such a calibre to be placed on the Stock Exchange Retail Bond Platform.
This would be good if it did take place but these are only suggestions,however according to paper reports discussions have taken place between Government and Retail Bond issuers.It has also been reported that maybe Local Authorities could issue Retail Bonds for local infrastructure projects.
Time alone will tell.
Happy and successful investing to you all.
However if the top schools could attract capital in this way then it would :-
a) Reduce the capital needed to be raised by Government for the top schools.
b)Allow Government to concentrate on improving schools in deprived areas and non performing schools.
c) Also if the Government would allow the capital invested in retail bonds to be covered by the same rules as bank accounts but say Retail Bonds up to £10,000 as long as the bond issuers were monitored strictly that would attract substantial capital to companies with a limited potential loss to the exchequer.
d) All Retail Bonds should be of such a calibre to be placed on the Stock Exchange Retail Bond Platform.
This would be good if it did take place but these are only suggestions,however according to paper reports discussions have taken place between Government and Retail Bond issuers.It has also been reported that maybe Local Authorities could issue Retail Bonds for local infrastructure projects.
Time alone will tell.
Happy and successful investing to you all.
Tuesday, 12 March 2013
April make or break in retailing in the U.K.
As we move towards the new financial year in the U.K. retailers have to pay more on rates due to a rise.People are not spending more and some retailers are on such small margins it will finish them.
It will obviously mean more job losses and in the U.K. we have some trying to talk up the housing market to increas prices.It will not happen.Petrol is still moving higher.More out of town shopping is planned.
What is happening to reality, as some of those with ideas to lift town centre occupation really have not got a clue.Retail units in towns are too dear.The value of the properties have to come right down.Filling town centres with charity and coffee shops is downright useless.Parking is a major problem.
A new radical rethink is required and building out of town centres has to slow dramatically.The Government could bring in plans to slow it dramatically.They just do not want the battle that it will incur.Where are all our great leaders.We need them now.
To get things right incurs great battles as history tells us .We need the right people to lead is out of austerity and into growth.It has to happen today not tomorrow.
Career politicians ,as nice as most of them are, do not live inthe real world of having to do without.To think on your feet ,to take decisions immediatly and stand by them.These are the type of leaders we need for the future.Not the career politicians we have today.
Happy and successful investing to you all.Spring is on its way.
It will obviously mean more job losses and in the U.K. we have some trying to talk up the housing market to increas prices.It will not happen.Petrol is still moving higher.More out of town shopping is planned.
What is happening to reality, as some of those with ideas to lift town centre occupation really have not got a clue.Retail units in towns are too dear.The value of the properties have to come right down.Filling town centres with charity and coffee shops is downright useless.Parking is a major problem.
A new radical rethink is required and building out of town centres has to slow dramatically.The Government could bring in plans to slow it dramatically.They just do not want the battle that it will incur.Where are all our great leaders.We need them now.
To get things right incurs great battles as history tells us .We need the right people to lead is out of austerity and into growth.It has to happen today not tomorrow.
Career politicians ,as nice as most of them are, do not live inthe real world of having to do without.To think on your feet ,to take decisions immediatly and stand by them.These are the type of leaders we need for the future.Not the career politicians we have today.
Happy and successful investing to you all.Spring is on its way.
Monday, 4 March 2013
Austerity and the U.K.
It is not working.Full stop. What is wrong with the politicians throughout the world in their confortable surroundings.Do they not step out of their front doors and see thatr austerity is closing the World down.
Everyone at the lower levels,well most of us do,that when you are in debt you slow and reduce your spending and look for other ways to increase your income.
What is happening is real incomes are falling.People cannot earn extra money as overtime is not available.
Mark my words ,if politicians do not change direction soon we will have a severe slump and people will not be happy at all.Politicians shall be removed from ofice at the very least.
The U.K. is being starved of cashflow and income at the lower level .This must now stop.
Happy and successful investing to you all.
Everyone at the lower levels,well most of us do,that when you are in debt you slow and reduce your spending and look for other ways to increase your income.
What is happening is real incomes are falling.People cannot earn extra money as overtime is not available.
Mark my words ,if politicians do not change direction soon we will have a severe slump and people will not be happy at all.Politicians shall be removed from ofice at the very least.
The U.K. is being starved of cashflow and income at the lower level .This must now stop.
Happy and successful investing to you all.
Thursday, 28 February 2013
Spending in the U.K. and February.
Spending in the U.K. in the month of February has ground to a halt.Full stop. Not good.
In the U.K. we seem to have so many experts these days and I wonder how they make a living.All we hear in the U.K. is it is all going on the internet.I disagree as it is rubbish.Where I do agree some trades are moving onto the internet and will not return to the high street the biggest problem is Retail Units are overvalued by a large amount.
It will take the bankruptcy of some of the retail premises landlords and the fact the shops will be empty for ages that will bring the rents down to reality.I do really think some so called experts are following the crowd.
It is a good excuse to say it is all going on the internet to hide the fact that spending power has diminished that much and cashflow is not in the economy.That is the reality of the situation.
Ther is however a lull in the world with regards to the worlds economies.Is it just a stop for breath or is it the norm as some say.Time will tell but in the U.K. things are pretty subdued at the present time.
We are however having bright and sunny days .Lets hope it makes people feel better and we have better times ahead.
Happy and successful investing to you all.
In the U.K. we seem to have so many experts these days and I wonder how they make a living.All we hear in the U.K. is it is all going on the internet.I disagree as it is rubbish.Where I do agree some trades are moving onto the internet and will not return to the high street the biggest problem is Retail Units are overvalued by a large amount.
It will take the bankruptcy of some of the retail premises landlords and the fact the shops will be empty for ages that will bring the rents down to reality.I do really think some so called experts are following the crowd.
It is a good excuse to say it is all going on the internet to hide the fact that spending power has diminished that much and cashflow is not in the economy.That is the reality of the situation.
Ther is however a lull in the world with regards to the worlds economies.Is it just a stop for breath or is it the norm as some say.Time will tell but in the U.K. things are pretty subdued at the present time.
We are however having bright and sunny days .Lets hope it makes people feel better and we have better times ahead.
Happy and successful investing to you all.
Tuesday, 26 February 2013
Europe,Scotland and the U.K.
The first thing we must do in the U.K. is to show Scotland we are one island and we all belong on it.We do not want to be or will be seperated.Over the last few centuries we have come together despite our differences recognising both have benefits to the whole.
We do not want power hungry people to split us just for their own ends.
The same is happening over Europe in the U.K. there are some who want us to split again for their own ends.They are wrong.Within the world we must work together to solve problems.The richness that each country has in its own character can benefit the whole and this must come to the forefront.
Problems are meant to be overcome and those of us within Europe and the world must strive to achieve and benefit that which so many people have worked on.Of course we will not always agree.But a central ground is achievable most of the time.
Split countries struggle to achieve anything.We must strive to remain together and work with the rest of the world.
Happy and successful investing to you all.
We do not want power hungry people to split us just for their own ends.
The same is happening over Europe in the U.K. there are some who want us to split again for their own ends.They are wrong.Within the world we must work together to solve problems.The richness that each country has in its own character can benefit the whole and this must come to the forefront.
Problems are meant to be overcome and those of us within Europe and the world must strive to achieve and benefit that which so many people have worked on.Of course we will not always agree.But a central ground is achievable most of the time.
Split countries struggle to achieve anything.We must strive to remain together and work with the rest of the world.
Happy and successful investing to you all.
Monday, 25 February 2013
The Pound and the U.K.
So the downgrading by Moody's has helped send the pound down again.It only makes imports dearer,not good.Although if we were selling abroud it makes us more competative.But what are we selling?
We need to be more proactive in the U.K. not chase the pound down.It doesn't help many.Everything seems to go up because some firms use it to stabilise their profits.
Petrol will go up again and maybe the spending public will start to realise that to get a small item from an out of town site will cost them the same again in petrol as well.An expensive item as anyone can tell.
Retailing is not going to be helped by the pound going down as it will put up prices and for some firms will finish them.
Reality is coming back into life in the U.K. although some types of business have yet to accept reality as they are still in the dreamworld of ever rising values.They will wake up soon I am sure.
Happy and successful investing to you all.
We need to be more proactive in the U.K. not chase the pound down.It doesn't help many.Everything seems to go up because some firms use it to stabilise their profits.
Petrol will go up again and maybe the spending public will start to realise that to get a small item from an out of town site will cost them the same again in petrol as well.An expensive item as anyone can tell.
Retailing is not going to be helped by the pound going down as it will put up prices and for some firms will finish them.
Reality is coming back into life in the U.K. although some types of business have yet to accept reality as they are still in the dreamworld of ever rising values.They will wake up soon I am sure.
Happy and successful investing to you all.
Sunday, 24 February 2013
Stability U.K. style.
Whereas stability is only as good as that day businesspeople like to believe that stability should be long term to enable business to plan ahead.The trouble with the U.K. is short termism still rules in many businesses that is why they struggle.Should they be there to satisfy shareholders,customers,staff or all three.
As trade becomes Global and busineesses need to open up to let prospective customers know who they are and where they are many will have to start to think out of the box.Unfortunately there are some that cannot or will not.They think because they are doing ok now they do not think of the future and innovations.Same old same old they think.What a pity.
Many businesses belong to organised " clubs" as members and think that is ok.But if you are abusiness in the same country,or elsewhere how do you locate a new supplier ,or customer.With great difficulty .You search the internet ,have you the right search word.If you locate a "club" how do you see the potential of the prospective customer or supplier.Often with great difficulty.Thinking needs to change with a lot in the U.K. if they are to be here tomorrow.
Happy and successful investing to you all.
As trade becomes Global and busineesses need to open up to let prospective customers know who they are and where they are many will have to start to think out of the box.Unfortunately there are some that cannot or will not.They think because they are doing ok now they do not think of the future and innovations.Same old same old they think.What a pity.
Many businesses belong to organised " clubs" as members and think that is ok.But if you are abusiness in the same country,or elsewhere how do you locate a new supplier ,or customer.With great difficulty .You search the internet ,have you the right search word.If you locate a "club" how do you see the potential of the prospective customer or supplier.Often with great difficulty.Thinking needs to change with a lot in the U.K. if they are to be here tomorrow.
Happy and successful investing to you all.
Saturday, 23 February 2013
Rating Agencies and the U.K.
It is not surprising that they have downgraded the U.K. they have been promising for ages and with some Rating Agencies being sued by the American regulator they are playing safe.I do not believe it will take the U.K. as long as they say to get better economy wise.
There is a lot of us in the U.K.trying to attract trade and enable more people to be employed.I agree spending is low and the high street is emptying.But it is not because everything is going online as the I.T. boys would like us to think.Online retailing has its own problems.
It is purely mathematical.Cost of commercial properties are to expensive ,as are running costs.The main problem everthing seems to be downmarket.
The population have got rubbish fatigue.There is too much rubbish around and not good quaility items.People aspire to do better,obtain better things .Not go the other way.
Prices have been driven down by recession and the marketing of lower priced items,most which or not of good quality.What the people of the U.K. need now is better quality of goods so they feel their life is getting better.
The cheap end of retailing will now start to suffer badly.The move to quality will now get stronger.High street shops filled with charity shops will suffer.Really will have to get back into the equation whatever some property owners think.
And it will take time to recover in retailing but the demise of physical shopping is well overdone.However a lot of food shopping will go online as most people hate food shopping.This will reduce the footfall at the large out of town food retailers.As well they know.
Happy and successful investing to you all.
There is a lot of us in the U.K.trying to attract trade and enable more people to be employed.I agree spending is low and the high street is emptying.But it is not because everything is going online as the I.T. boys would like us to think.Online retailing has its own problems.
It is purely mathematical.Cost of commercial properties are to expensive ,as are running costs.The main problem everthing seems to be downmarket.
The population have got rubbish fatigue.There is too much rubbish around and not good quaility items.People aspire to do better,obtain better things .Not go the other way.
Prices have been driven down by recession and the marketing of lower priced items,most which or not of good quality.What the people of the U.K. need now is better quality of goods so they feel their life is getting better.
The cheap end of retailing will now start to suffer badly.The move to quality will now get stronger.High street shops filled with charity shops will suffer.Really will have to get back into the equation whatever some property owners think.
And it will take time to recover in retailing but the demise of physical shopping is well overdone.However a lot of food shopping will go online as most people hate food shopping.This will reduce the footfall at the large out of town food retailers.As well they know.
Happy and successful investing to you all.
Friday, 22 February 2013
U.K. Charity issues Retail Bond for housing.
A Charity based in the U.K. has issued a Retail Bond to raise funds to purchase housing for those that are dependant on them.This is expected to be the first of Retail Bond issues for raising finance for long term investment into their housing arm. For more information go to www.RetailBonds.co.uk and go to the New Bond Issues page.
Happy and successful investing to you all.
Happy and successful investing to you all.
Thursday, 21 February 2013
Quantative Easing and the U.K.
So it is possible another round of money is going to the banks with another dose of Quatative Easing.This does not help business all it is doing is filling another hole in the banks.
They talk about Lending for Business but that also is not happening.All the money seems to do is flow to the housing market ,which at this time is still in the stratesphere.Builders near me still have this dreamworld on pricing and it has to give at some point soon as the mathematical equation underlying the housing market says so.
Spending is still in the doldrums maybe some Spring Sunshine will alter that.We can all but hope.
Happy and successful investing to you all ,and here is to a better year in 2013.
They talk about Lending for Business but that also is not happening.All the money seems to do is flow to the housing market ,which at this time is still in the stratesphere.Builders near me still have this dreamworld on pricing and it has to give at some point soon as the mathematical equation underlying the housing market says so.
Spending is still in the doldrums maybe some Spring Sunshine will alter that.We can all but hope.
Happy and successful investing to you all ,and here is to a better year in 2013.
Wednesday, 20 February 2013
U.K. economy today.
Here in the U.K. we are still getting contradictory reports and analysis.I must tell you that all of us in the U.K. are really fed up with the economy and the way auterity is still banded about when we are all aware there is plenty of money out there .It is just not flowing around.
Sales on the internet are just 10% of the whole meaning 90% is still active street buying.Well it doesnt look as if it is. Maybe the collapse in sales in the U.K. was greater than we are led to believe.
Many shops are not taking enough to pay their bills and cashflow is horrendus.
The sooner things get better the good.
Many of us are trying to make things better but moral needs boosting and people need to feel better and more secure.
However on that happy note.
Happy and Succesful investing to you all.
Sales on the internet are just 10% of the whole meaning 90% is still active street buying.Well it doesnt look as if it is. Maybe the collapse in sales in the U.K. was greater than we are led to believe.
Many shops are not taking enough to pay their bills and cashflow is horrendus.
The sooner things get better the good.
Many of us are trying to make things better but moral needs boosting and people need to feel better and more secure.
However on that happy note.
Happy and Succesful investing to you all.
Thursday, 14 February 2013
Retail Bond issue in buy to let.
The latest Retail Bond issue in the U.K. is by a company that issues mortgages for landlords to buy property to let out.
This is the latest Retail Bond to be issued in the U.K.
For more information go to www.RetailBonds.co.uk
Happy and successful investing to you all.
This is the latest Retail Bond to be issued in the U.K.
For more information go to www.RetailBonds.co.uk
Happy and successful investing to you all.
Wednesday, 13 February 2013
Another large retail chain collapses.
Feb 13th in the U.K. and another large retail chain owned by private equity collapses.Is is because of trading conditions or is it because it is loaded with debt.1000 staff lose their jobs but does it matter to those who play with money.Obviously not.
It is time that retail changed to something decent instead of the next big deal to screw prices down.Low prices mean low wages and the money made again goes to the few.
The inexorable rush to have more space for large retail chains will be their downfall as time will prove.
To have a successful business ,making good profits and a stable workforce should be the aim of C.E.O.s but obviously some still believe they can dominate the world.So sad to have that complex as many in the past have tried and totally failed.
Happy and successful investing to you all ,and spring is on its way.
It is time that retail changed to something decent instead of the next big deal to screw prices down.Low prices mean low wages and the money made again goes to the few.
The inexorable rush to have more space for large retail chains will be their downfall as time will prove.
To have a successful business ,making good profits and a stable workforce should be the aim of C.E.O.s but obviously some still believe they can dominate the world.So sad to have that complex as many in the past have tried and totally failed.
Happy and successful investing to you all ,and spring is on its way.
Monday, 11 February 2013
Conflicting Reports in the U.K.
Beginning of February in the U.K. and everything is quiet .Is this normal ?. perhaps it is .
Conflicting reports of statistics and very little activity in most things is drawing things to a stop.Businesspeople in the U.K. are finding it difficult to read the signs on which way the economy is going.
We also have a food scare in what are we buying that isnt what we are buying.More is to too come out by all accounts.We are definately in the doldrums in the U.K. and we need to get out of the slowdown quick.
There are two ways to get out of the slowdown and the first is to decide we no longer want it to be as it is and do something about it.All of us at our own level start to make things better.
The second is wait for the Government or outsiders to do something.
I am choosing the first way.We cannot wait any longer in the U.K. so we must start to make our own areas better and this will feed into the economy.
Happy and successful investing to you all,and may life get better,degree by degree.
Conflicting reports of statistics and very little activity in most things is drawing things to a stop.Businesspeople in the U.K. are finding it difficult to read the signs on which way the economy is going.
We also have a food scare in what are we buying that isnt what we are buying.More is to too come out by all accounts.We are definately in the doldrums in the U.K. and we need to get out of the slowdown quick.
There are two ways to get out of the slowdown and the first is to decide we no longer want it to be as it is and do something about it.All of us at our own level start to make things better.
The second is wait for the Government or outsiders to do something.
I am choosing the first way.We cannot wait any longer in the U.K. so we must start to make our own areas better and this will feed into the economy.
Happy and successful investing to you all,and may life get better,degree by degree.
Wednesday, 6 February 2013
Retail Bonds in the U.K. 2013
We still think that insufficient companies and retail investors do not know about Retail Bonds in the U.K. We are also sure those in the industry would like to promote them more but at this point are unwillilng to commit money to the advertising budget.
They must however change their mind and start to organise the promotion of Retail Bonds to prospective customers and prospective Retail Bond investors.
Seminars ,mailshots and articles in various magazines would be a start.We at www.RetailBonds.co.uk are consistantly mailshotting.We will start to organise seminars during the early summer months,and we are now creating articles to be submitted to magazines and hopefully will print them.
We are just one in the industry it would be nice if others would follow.
RETAILING IN THE U.K.
Back to retailing.Too much floor space chasing the English pound.People aspire to do better in life not aspire to do worse.Too many charity shops(still increasing floor space) ,too many cheap shops.We need better quality items to lift us back of the floor again .Not more of the same old rubbish we seem to be having.
Happy and successful investing to you all.
They must however change their mind and start to organise the promotion of Retail Bonds to prospective customers and prospective Retail Bond investors.
Seminars ,mailshots and articles in various magazines would be a start.We at www.RetailBonds.co.uk are consistantly mailshotting.We will start to organise seminars during the early summer months,and we are now creating articles to be submitted to magazines and hopefully will print them.
We are just one in the industry it would be nice if others would follow.
RETAILING IN THE U.K.
Back to retailing.Too much floor space chasing the English pound.People aspire to do better in life not aspire to do worse.Too many charity shops(still increasing floor space) ,too many cheap shops.We need better quality items to lift us back of the floor again .Not more of the same old rubbish we seem to be having.
Happy and successful investing to you all.
Thursday, 31 January 2013
U.K. Retailing in a Mess.
And so it goes on how low can retailing now go in the U.K.I know that some types of retailing are moving online fast but as they estimate only 10% of retailing in the U.K. is online what has happened to the other 90% ?
Retailing is so low in the doldrums they are closing businesses left,right and centre.Too many are operating on such low margins to try and attract business they shouldnt be in business.
Retailing is not difficult in the fact that the equation is you buy something you add on your profit to pay expenses and some for reinvestment. That is not happening as too many retailers reduce their margins to unsustainable levels.Supermarkets seem to be the end all but as time will almost certainly tell their businessmodel is unsustainable as they cant run fast enough anymore.
Control freaks that want to rule the world in any market ,as time has told, inevitably fail.
Retail spending in the U.K. is so low that large casualities will continue to appear.
Maybe spring is just around the corner.
Happy and successful investing to you all.
Retailing is so low in the doldrums they are closing businesses left,right and centre.Too many are operating on such low margins to try and attract business they shouldnt be in business.
Retailing is not difficult in the fact that the equation is you buy something you add on your profit to pay expenses and some for reinvestment. That is not happening as too many retailers reduce their margins to unsustainable levels.Supermarkets seem to be the end all but as time will almost certainly tell their businessmodel is unsustainable as they cant run fast enough anymore.
Control freaks that want to rule the world in any market ,as time has told, inevitably fail.
Retail spending in the U.K. is so low that large casualities will continue to appear.
Maybe spring is just around the corner.
Happy and successful investing to you all.
Friday, 25 January 2013
Retail Bond movements post New Year.
As we move out of January the Retail Bond market is getting active with the latest Retail Bond issue.
It is an independant Oil and Gas company issuing Retail Bonds to raise £150 million.
For more information go to www.RetailBonds.co.uk and click on the page New Bond Issues.
The minimum investment is £2000.
Happy and successful investing to you all as the weather is at last getting warmer in the U.K.
It is an independant Oil and Gas company issuing Retail Bonds to raise £150 million.
For more information go to www.RetailBonds.co.uk and click on the page New Bond Issues.
The minimum investment is £2000.
Happy and successful investing to you all as the weather is at last getting warmer in the U.K.
Thursday, 24 January 2013
Europe and U.K. thinking.
I cannot understand why so much is being made of being in the European Union at this particular time.Is is because the U.K. economy is problamatic and the government want people to think of something else?
I think the politicians do not yet realise we are already in the U.K. similiar to a little European Union and believe it or not we all get on together most of the time.Most U.K. residents have accepted being in the E.U. but as in all relationships things alter over time and the common ground has to be found.
The United Kingdom is one country that has attracted travellers of which some stay.This has happened over the centuries and will continue.So lets get our act together and move on to better things.
Politicians also do not realise people work in the real world so they can see what is going on around them.Also big business and Governments Worldwide have not yet grasped what the internet has given the modern people.Not at all have they.
Happy and successful investing to you all.
I think the politicians do not yet realise we are already in the U.K. similiar to a little European Union and believe it or not we all get on together most of the time.Most U.K. residents have accepted being in the E.U. but as in all relationships things alter over time and the common ground has to be found.
The United Kingdom is one country that has attracted travellers of which some stay.This has happened over the centuries and will continue.So lets get our act together and move on to better things.
Politicians also do not realise people work in the real world so they can see what is going on around them.Also big business and Governments Worldwide have not yet grasped what the internet has given the modern people.Not at all have they.
Happy and successful investing to you all.
Retail Bonds start to lift the spring.
As we move out of January and people get back to work and start to actually work things start to get organised again.Raising debt to reduce bank borrowings are starting to get to the front of company finance directors minds as they wonder when banks will lift interest rates again.
Fixing future interest rates for debt must be an important priority as we move forward and as returns by banks to investors is poor more investors will be looking to increase returns.
Activity will now start to grow.
'Non bank lending' is another way to raise finance but in some ways this is in its infancy but grow it will and become part of the financial landscape.
Happy and successful investing to you all.
Fixing future interest rates for debt must be an important priority as we move forward and as returns by banks to investors is poor more investors will be looking to increase returns.
Activity will now start to grow.
'Non bank lending' is another way to raise finance but in some ways this is in its infancy but grow it will and become part of the financial landscape.
Happy and successful investing to you all.
Sunday, 20 January 2013
Correcting Retails imbalance.
Over the last year or two there has been growing a slow move back to quality in many parts of retailing products as people realise that cheap is just that cheap products.Both in food and retailing quality is starting to come to the fore.
Where will it leave some of the big chains that rely on cheap products,low margin ,high volume.In difficulty I think.I have never in all my life seen so many shops selling food ,it must be hurting the big food retailers.The waste in food across the U.K. by large retailers must be immense.This has to change.We are constantly being told that there is not enough food around.There is plenty ,the food chain wastes too much.
It is now that the collapse in retail commercial properties will start and auction prices will collapse also.There is a big structural change going on in the U.K. and some big property companies will struggle badly and will have to be absorbed as their property valuations are lower than their debts.This will be widespread and more than in normal recessions as greed got the better of them.
From the other side reality will come both in pricing and in rentals.Although refilling the high street in the U.K. will take a long time.And changing the high street into housing in itself will not change things as housing is still overpriced.The big queuestion will be how long can the banks support property any more.
Not long I think.
Happy and successful investing to you all.
Where will it leave some of the big chains that rely on cheap products,low margin ,high volume.In difficulty I think.I have never in all my life seen so many shops selling food ,it must be hurting the big food retailers.The waste in food across the U.K. by large retailers must be immense.This has to change.We are constantly being told that there is not enough food around.There is plenty ,the food chain wastes too much.
It is now that the collapse in retail commercial properties will start and auction prices will collapse also.There is a big structural change going on in the U.K. and some big property companies will struggle badly and will have to be absorbed as their property valuations are lower than their debts.This will be widespread and more than in normal recessions as greed got the better of them.
From the other side reality will come both in pricing and in rentals.Although refilling the high street in the U.K. will take a long time.And changing the high street into housing in itself will not change things as housing is still overpriced.The big queuestion will be how long can the banks support property any more.
Not long I think.
Happy and successful investing to you all.
Thursday, 17 January 2013
Retailing,commercial property U.K.style.
Retailing in the U.K. is well in the doldrums as another big retailer goes belly up.They are not spending in the U.K. so the collapses continue.When will they start spending?.Too many large retailers,too expensive shop premises.Now banks in the U.K. have to carry more capital against commercial loans ,so watch commercial property prices collapse across the U.K. Long overdue ,but of course it will cost more jobs.
The sooner it happens the sooner the U.K. can recover.Greed has been around too long.And just to add to that in all my years where I live I have never Known the area to have a food bank.We now have a very large one to help those suffering.Some people should be ashamed that they have bled the system and caused so much suffering.
On that 'light' note I wish you all happy and successful investing.
The sooner it happens the sooner the U.K. can recover.Greed has been around too long.And just to add to that in all my years where I live I have never Known the area to have a food bank.We now have a very large one to help those suffering.Some people should be ashamed that they have bled the system and caused so much suffering.
On that 'light' note I wish you all happy and successful investing.
Tuesday, 15 January 2013
Retailing Uk style and results.
So they have still not started to spend yet and another big retailer goes under.They say it is all going online in the U.K. Rubbish. Some is drifting online but people have stopped spending.Quality of products that are being offered us are dubious.They tell us that is what we want. Again rubbish.
We want quality we are fed up with the same old tat being offered us.There are people who do not go online shopping, there are people who do not have a car or transport.We are being directed to out of town sites that all look the same.That is not retailing.That is pure selling and has no attraction.
The problem with town centres are they are too overvalued and until property prices collapse in the town centres things will not change.We want skilled retailers again ,people who make shopping fun and exciting and desirable,not all the same selling the same.Which is what they want to sell us, not what we really want ,Quality,Quality,Quality.
Happy and successful investing to you all.
We want quality we are fed up with the same old tat being offered us.There are people who do not go online shopping, there are people who do not have a car or transport.We are being directed to out of town sites that all look the same.That is not retailing.That is pure selling and has no attraction.
The problem with town centres are they are too overvalued and until property prices collapse in the town centres things will not change.We want skilled retailers again ,people who make shopping fun and exciting and desirable,not all the same selling the same.Which is what they want to sell us, not what we really want ,Quality,Quality,Quality.
Happy and successful investing to you all.
Saturday, 12 January 2013
Europe and the U.K.
Staying connected to the E.U.is imperitave for the U.K. for the future.In all things in life things require a catalyst to work and the U.K. can be that for many countries.All relationships change and adjust over time and the relationship between the U.K. and the E.U. is no different.
To make relationships work considering the other sides reasons are important.It is only by dialogue and reason that we as a human race survive but it is disappointing that in the present recession we forget we must help each other get through dificulties.I do feel sorry for the Greek people and we as Europeans should be doing more to help them get fed and survive.
This is not a lets beat thy neighbour time,either in business or otherise.To me it seems that we are looking back at Victorian times in the European Union where we hit someone with a stick and say you do like that don't you.And repeating that again.This has to stop and we as a human race must start to help each other more and feeding people is the first step.
Surviving together is the way the future must be.
Happy and successful investing to you all.
To make relationships work considering the other sides reasons are important.It is only by dialogue and reason that we as a human race survive but it is disappointing that in the present recession we forget we must help each other get through dificulties.I do feel sorry for the Greek people and we as Europeans should be doing more to help them get fed and survive.
This is not a lets beat thy neighbour time,either in business or otherise.To me it seems that we are looking back at Victorian times in the European Union where we hit someone with a stick and say you do like that don't you.And repeating that again.This has to stop and we as a human race must start to help each other more and feeding people is the first step.
Surviving together is the way the future must be.
Happy and successful investing to you all.
Friday, 11 January 2013
Retail Bonds and who knows.
I am really surprised how many accountants and businessmen do not know what Retail Bonds are.You can understand how the market for them will grow over the coming years as more people ,investors ,businessmen and businesswomen,and our 'advisors' get to realise the ins and outs of a Retail Bond issue.
The fact that Retail Bonds only seem to be known by a few involved with them shows that not a lot has been done to really make them an important fund raising tool.I would estimate that after another 2 years of publicity,marketing and use of, that Retail Bonds will be a main stream tool used by many companies and become part of a retail investors portfolio
People are only just becoming aware of Retail Bonds so it will probably take 2 years for their interest to fully develop in issuing them and investing in them.
I had always assumed that those in the financial world of dealing with companies accounts would keep themselves up with the latest movement in raising funds for companies.I was obviously wrong in thinking this.
So I am starting a large marketing programme in the U.K. to promote the information regarding Retail Bonds both in issuing Retail Bonds and the risks involved when investing in them.
Happy and successful investing to you all.
And by the way retailing in the U.K. is still in the doldrums.Roll on the Summer.
The fact that Retail Bonds only seem to be known by a few involved with them shows that not a lot has been done to really make them an important fund raising tool.I would estimate that after another 2 years of publicity,marketing and use of, that Retail Bonds will be a main stream tool used by many companies and become part of a retail investors portfolio
People are only just becoming aware of Retail Bonds so it will probably take 2 years for their interest to fully develop in issuing them and investing in them.
I had always assumed that those in the financial world of dealing with companies accounts would keep themselves up with the latest movement in raising funds for companies.I was obviously wrong in thinking this.
So I am starting a large marketing programme in the U.K. to promote the information regarding Retail Bonds both in issuing Retail Bonds and the risks involved when investing in them.
Happy and successful investing to you all.
And by the way retailing in the U.K. is still in the doldrums.Roll on the Summer.
Wednesday, 9 January 2013
The Retail Casualties start to fall.
It has been announced that the first of the retail casualties have started to collapse with the loss of 2000 jobs possibly.Sad for those that will lose their jobs.It is strange that when companies get too large they start to look for other add ons to sell to their customers,nothing related to what they are selling.
They do not seem to be good or even excellent at what they are making money out of ,their business core. They will end up having a shim sham of different things.There is one company that built their business on clothes that are now selling baths.Yes baths.Women tell me that the companies clothes are not of the standard or design they used to be.Another company that is going to get in a mess then.Who will they blame?
It is unfortunate that some companies are not run on lines that consider their best assets,their staff.Thinking nededs to change in retail in the U.K. or we will have more of the same mess.
More and more empty shops in the high street and elsewhere.When are commercial landlords going to take a hit on the valuations?.If they do not the banks will.
Quality needs to come back into fashion.People aspire to do better be better.Not the other way.
Think positive ,act positive ,be positive.
Happy and successful investing to you all.
They do not seem to be good or even excellent at what they are making money out of ,their business core. They will end up having a shim sham of different things.There is one company that built their business on clothes that are now selling baths.Yes baths.Women tell me that the companies clothes are not of the standard or design they used to be.Another company that is going to get in a mess then.Who will they blame?
It is unfortunate that some companies are not run on lines that consider their best assets,their staff.Thinking nededs to change in retail in the U.K. or we will have more of the same mess.
More and more empty shops in the high street and elsewhere.When are commercial landlords going to take a hit on the valuations?.If they do not the banks will.
Quality needs to come back into fashion.People aspire to do better be better.Not the other way.
Think positive ,act positive ,be positive.
Happy and successful investing to you all.
Looking to Better times.Yes?
As we move into 2013 we still have the same old stuff thrown at us.Austerity,austerity,austerity.Lets now think for every pound/dollar/euro other currency we spend we are keeping somebody in a job or creating a job.We the customers of the world now have to move things forward and show governments they are wrong in how they are thinking.
It is us that can make a change ,and only us.
Happy and successful investing to you all.Keep on smiling.
It is us that can make a change ,and only us.
Happy and successful investing to you all.Keep on smiling.
Sunday, 6 January 2013
Retail Bonds in the U.K. and procedures.
As we move into 2013 the interest sought by U.K. companies on the procedures required for issuing Retail Bonds is growing.Some may not be at that point they are ready to issue Retail Bonds but there are some that will progress to issuing them during the current year.
As time progresses and experience of issuing Retail Bonds grows we expect them to be part of a the debt offering of more companies.Experience of investors will also grow as well.
Welcome to a New Year ,happy and successful investing to you all from www.RetailBonds.co.uk and www.RetailBonds.eu
As time progresses and experience of issuing Retail Bonds grows we expect them to be part of a the debt offering of more companies.Experience of investors will also grow as well.
Welcome to a New Year ,happy and successful investing to you all from www.RetailBonds.co.uk and www.RetailBonds.eu
Saturday, 5 January 2013
Retailing in the U.K. post New Year.
As we move into January things are quiet.The papers say we are going into a triple dip.I dont believe them.Spending has been quiet for ages.The commercial property across the U.K. have now to take a hit on their valuations.It will not get better for them soon.Retailers are using the excuse spending in the retail units are low because everything is going on line.Rubbish.Some trade is moving to going online but the biggest problem with retailing in the U.K. is retailers tell you what you want ,not us telling them what we want to purchase.
They do not seem to listen. They seem to think that offering us things we dont want at cheap or low margins that will do the job.They have a lot to learn again.
People in the U.K. are fed up with austerity and being told it is good for us.It is not. If you owe money as an individual you work longer to earn more and reduce your outgoings to get it right.Somebody high up does not seem to understand that.
Businessmen are also fed up with the conditions in the U.K. They are now going to push forward and develop.They are not waitng for the banks and the present Government to wake up.Things are changing in the U.K. and with the advent of the internet it is funny how something you thought directed your thinking and the businesses you thought you could not survive without ,you can.
Many of us although are British by birth are now considerating being classed as European,and migration from Europe is probably the catalyst the U.K. requires.
Happy and successful investing to you all.
They do not seem to listen. They seem to think that offering us things we dont want at cheap or low margins that will do the job.They have a lot to learn again.
People in the U.K. are fed up with austerity and being told it is good for us.It is not. If you owe money as an individual you work longer to earn more and reduce your outgoings to get it right.Somebody high up does not seem to understand that.
Businessmen are also fed up with the conditions in the U.K. They are now going to push forward and develop.They are not waitng for the banks and the present Government to wake up.Things are changing in the U.K. and with the advent of the internet it is funny how something you thought directed your thinking and the businesses you thought you could not survive without ,you can.
Many of us although are British by birth are now considerating being classed as European,and migration from Europe is probably the catalyst the U.K. requires.
Happy and successful investing to you all.
Tuesday, 1 January 2013
New Year, new ideas, going forward.
Into the New Year we go. 2013 welcome.Retailing in the U.K. is still bad and many retailers have not made the profit and sales they wanted.The housing market is going where?.Many have opposing views but in reality they are too expensive relative to wages .That is why most of the mortgages require a deposit of 25% .Lenders are not going to take another load of debt on their books.Not at all.
In the U.K. councils are beginning to take control of the rented housing market and make them register to control the standard of the properties.Long overdue .Well done the councils that are doing this.
It is going to be down to us,the business people to get the economy going again.We cannot wait for tomorrow to come .It has to be today.In the U.K. financial advisers have new rules to operate under.They are talking of advice price of a minimum of £160 an hour.That will put some customers off.But people need to realise skills need to be paid for.Free is not always and never really is free.
Look forward to 2013 it will be good and as always changeable.Those that think on their feet will be the leaders of tomorrow.They are out there.They need to step forward.
Happy and successful investing to you all in this year 2013.
In the U.K. councils are beginning to take control of the rented housing market and make them register to control the standard of the properties.Long overdue .Well done the councils that are doing this.
It is going to be down to us,the business people to get the economy going again.We cannot wait for tomorrow to come .It has to be today.In the U.K. financial advisers have new rules to operate under.They are talking of advice price of a minimum of £160 an hour.That will put some customers off.But people need to realise skills need to be paid for.Free is not always and never really is free.
Look forward to 2013 it will be good and as always changeable.Those that think on their feet will be the leaders of tomorrow.They are out there.They need to step forward.
Happy and successful investing to you all in this year 2013.
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