On Monday we had the FT reporting that mortgage an business lending falls further based on the latest figures from the Bank of England saying that “lending by all UK-resident banks and building societies indicated that the stock of lending to businesses contracted by around £2.5 billion in the three months to August” this is despite the figures from RBS that they lent £8.1bn to small business from July to October and only missed their Merlin targets by £100m.
Although the chart below shows that to total flow of lending is now in positive teritory for the first time since April 2011, the level of equity funding raised, however, remains a concern:
Source: Trends in Lending October 2011 – Bank of England
Those figures are for funding to all sizes of organisation, but what about for SMEs (revenue < £25m)? Well, the figures from the four largest banking groups, which accounts for ~1/4 of the value of the total stock of lending to those SEMs shows that it has fallen by 5% in the last year and has now been reducing for over two years. The mos
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PRINCE2 is a process-based methodology that offers non-proprietorial best practice guidance on project management, encompassing the management, control and organisation of a project. In addition to being used as a widely-used standard for effective project management internationally, it also takes the form of an official certification for accredited project managers across a wide range of sectors. Effective project management is critical to any business or organisation looking to successfully complete a new project whether it is IT, building or any other sector.
When making sure you and your people have the skills they need to become successful project managers it’s important to look beyond the project management certification. Of course, it’s important to invest in PRINCE2 training and certification, as this gives individuals and teams the understanding of the methodology. How
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There are around 4.8 million small businesses and freelancers in the UK with red tape being a major deciding factor when the time comes to expand. Almost a third of the ones that had hoped to expand were put off by excessive regulations.
According to research conducted by the Forum of Private Business, red tape costs small firms in the south-east of England £1,403 million every year. Of this amount, an estimated £309 million is spent on health and safety legislation, while dealing with employment law paperwork costs £361 million.
Mike Cherry, Policy Chairman at the Federation of Small Businesses believes that slashing red tape will encourage UK business to take the steps towards expansion.
“Regulation has long been stifling business growth so these plans to put an end to the excessive legislation that choke small businesses is welcome news. It is a real victory that our calls to simplify the regulation system have finally been heard,” he explained.
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A lot of people are under the misconception that the money they earn is meant only for the present, this would’ve been acceptable a few decades ago, but as we move forward and are living in a world of economic instability, we’ll never know for sure if the wealth we possess today may stay with us until tomorrow. Which is why economists strongly recommend saving up for our own future, so that we can be secure in terms of money. And one of the most popular retirement plans is the Roth IRA. roth-ira.org is a site where you can find a lot of interesting information on Roth Ira like the fact that it was introduced back in 1997 by the American government to mainly facilitate the people of the middle class society.
It is popular mainly because of the fact that the money a Roth IRA account holder will withdraw after the necessary period of maturity, will not be subject to any kind of tax. Thi Get full post…
With all the competition online just about every entrepreneur can benefit from some sound and useful marketing tips! This is especially the case for those selling affiliate products since this business model is a hugely popular one! The best part about operating your own affiliate business is the minimal financial investment needed and the income opportunity available! The affiliate business however can be very competitive for the same reasons therefore here are 3 suggestions to give yourself an edge!
Create Your Own Website
When selling affiliate products you typically send any prospective customers to the product manufacturers sales page. Many marketers as a result decide that there is no need to have their own website and technically speaking there is some truth to that. On the other hand without a site of your own you remain pretty anonymous but if you intend to earn a good living online this is not what you want to do!
Establish yourself a ‘unique’ internet presence with your own website while also making it a point to collect the contact information of visitors!
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