A Fool and His Money

It’s that time of the year again where everyone is looking forward to the seasonal holidays and Christmas breaks to get away from work and have a nice long break at home with family or to go out and travel the world!

Well, back here at A Fool and His Money, we will still have a job to do. What’s that, you ask? Well we will still make sure you make the most of your finances during a very busy shopping time where everyone will be buying gifts and items for everyone else!

For today, I’m going to concentrate on Christmas Cards. This is the only time of the year when Christmas Cards are sold and bought like crazy!!

Almost everyone in the UK will buy more than a few cards to dish them out to all their, families, friends, colleagues and even unknown people!

Although it’s a little late for this advice, it still does apply to some extent.

If you know you are going to buy lots and lots of Christmas cards then buy them well early. We’re talking months in advance. Shops generally stock them all year round these days.

The reason being is that the cards go very, very cheap at the time and when Christmas nears, prices tend to suddenly go up quite high!!

Tags: General, General Advice // Add Comment »

In this day and age, there are lots of different ways and methods of marketing your business and company. Among these are advertising in the media, newspapers, magazines, Google, Websites and even emails.

All of these will help grow your business and company however there is another form of media which is very under utilised and much underrated.

This is the ‘old media’ of SMS test messages.

Even now, you may be thinking how is this any good. Well, let’s ponder for a moment. Most people carry 1 or 2 phones and if you can get hold of many mobile phone numbers in a database or you use a Web SMS service then your advertisement can potentially go to lots of people who will become your customers.

Since many people don’t use this method of advertisement and reaching out to people, it’s relatively cheap to do so and can potentially increase your profits by a very large margin.

I the beginning you won’t want to use this and will be tempted to move away but once you take the initial step; you’ll see great results in the coming months!

What do you think? Do you agree with me or not? Leave your comments below!

Tags: General // Add Comment »

If you’re are very large organisation bringing in profits of thousands of pounds and the management team consists of many members, then you need to ensure that they’re are all trained in every aspect of managing other people to the highest level, otherwise you will find that you will be losing lots of profits and will potentially bring the company down to bankruptcy.

It may not seem like it because everything seems to run smoothly however sooner or later, you will realise but then it’s too late as the damage will have already been caused.

So, the best action to take is to send Managers on Management Courses.

They will be costly and expensive however investing in expensive, quality courses are important otherwise your managers may be ruined in totality!

There are many other benefits also. Managers will be taught new tips and trick to make their jobs better and simpler.

Your company will be in more better, secure hands.

Your profits will increase in the long term.

Your company will be better organised and so growth will come naturally.

There are lots more reasons to send your managers and yourself to these management courses but these are just a few to get your brain thinking.

Tags: Business, General Advice // Add Comment »

There are still many people in the UK that have no idea what the credit crunch or the recession is. There are many reasons for this:

1. They have no debt
2. They are not working
3. They are very rich
4. They have no financial knowledge
5. They have no brain

It’s ok not to know what it is exactly and how it occured but you need to have some awareness! If you’re one of those who does not know what the recession and credit crunch is then you need to wake up!

How difficult is that for the fool?

Tags: General // Add Comment »

It is always a good idea to look for alternative advertising methods and maybe try and use some of these also.

You can never know if new media will be good or bad for your business and investment. Yes, I agree some of the offers out there are a load of rubbish but there are some out there which are gold and so, very difficult to find but once you do find it, you could be driving Diamonds and Pearls to your business!

Might sound simple… IT IS SIMPLE! Just needs a bit of time and hard work. Then other businesses will think you have another income generator on the side.

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During the recession and credit cruch, it could be a wise move to buy a small engine car. Out of a 1 litre Polo or  Clio, you get approx 100 miles out of £10 worth of petrol (This is of course, at the current price of £1 for 0.99 litre’s) and out of a 2 litre, you get about 50-70 miles for the same amount.

I know these figures will be very different for many but on an average, this should be fine.

So, if you travel about 10000 miles in a year, then adding the costs up for a small engine car could lead to a huge saving!

Tags: General Advice // Add Comment »

It’s been quite a long time since I started writing on this blog. So soon you are going to start to see many changes here.

The first thing I will be doing is revamping the look on this site as it is getting quite boring and old . I’m sure you will agree with me on this one.

Thereafter you can expect to see many more different features coming such as polls and maybe even our very own forum!

Please leave us your comments and suggestions for this coming year on A Fool and His Money. Don’t worry, we’ll be listening!

Tags: General // Add Comment »

What is business? Most people think they know what business means but the truth is, they don’t.  If they did know then why are they not in business very high on the ladder?

Business is an art in itself and to know that art, you have to know many different skills.

Why is it that most of the time, top business people are those who never went to University and never went far with formal education?

It’s something to consider and think about deeply. If you hit the right answer then your halfway there to becoming a successful business. Agreed?

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There are many people out there who, despite the current recession and situation, despite their own extremely bad credit rating with debts of up to £50,000 and more, they still go and take out further loans and bring more unhappiness into their lives.

There are many companies out there who offer bad credit loans to individuals who have a very bad credit history. Some may be genuine companies and others may not however, what you need to realise is that, whatever their motive, even if it’s to help you genuinely, it will not work. It never works with loans.

Look at ALL the people who have taken loans out in the past without giving much thought to it. It has destroyed lives, families, friends, businesses, homes, jobs, you name it.

My advice is that do not take out a loan and more importantly, if you have taken a loan out, then don’t go anywhere near a bad credit loan, no matter how appealing it may seem, it’s not for you. Your situation will become worse.

I know many of you will not agree with me but this is fact. Lots of research has been carried out in this field and millions have been spent by financialists and researchers researching the truth about loans and how it destroys the life of people.

Tags: Loans // Add Comment »

Ever thought of investing in your very own vending machine?

The thought of vending machines will never cross the mind of most people out there as it’s something which holds no value in the minds of most.

Well, stop and just this about this for one moment.

If you invest in one for the hot summer months – maybe a drinks machine – and have this placed in the middle of a very busy area, you will have the machine empty each day (maybe twice)…. Understand?… KERCHING!

I.e., maybe you can rent a vending machines and also hire the small piece of land out or within a railway station or something and you will have to have a good cheap supplier and fill the machine up every time it goes but will all of this – you could potentially end up with thousands of pounds in profit by the end of each week.

There are big companies and businesses doing this very technique undercover without being known and bringing in millions in profit.

You may not want to do this but with a little thought, you can go into other industries and do something similar – it doesn’t have to be Vending Machines!

Tags: Investment // Add Comment »