Issue

FIVE

The Reunion Party

Finding An Agent That’s Right For You

Over the last hundred years, man has been

able to make incredible strides in almost

every area of our lives. One thing that we

have not been able to manufacture is time. It

is constant and remains irrespective of every-

thing else. In the new world, those who are

able to save time by becoming more efficient

will be the ones to become rich, not in terms

of money, but rich in terms of the quality of

life that they will enjoy. They will be able to

spend more time with their families or have

time to pursue other things that are important

to them.

More people are taking time off to enjoy the

fruits of their labour. They work hard and

play even harder. According to Tim Ferris,

the author of the very popular “The Four

hour work week”, we can save time by

eliminating things that are a distraction to us.

Things like constantly checking and replying

to e-mails, several with no consequences if

we don't even respond to them.

Surfing the internet or constantly checking

the status of our friends on Facebook. In the

new world, having time to pursue our pas-

sion will be priceless.

The Tiger roars

Issue number 3– May /June 2011

current topics >>>

In The Next Issue

Is it time to buy proper-ties?– You bet

The book is here

Solar power ideas

Online Dragon’s Den idea

New people breathing life into ten-

nis.

Holiday ideas in Amsterdam on the

cheap

Bulgaria– A country rich in tradition

and good for your pocket .

The incredible Miss Boogles.

New Business idea for the month

Friends United– The Reunion Party

book.

This magazine is about people achieving their goals and having a huge dreams and fulfilling

them. I am happy to tell you that I have managed to make my long term dream as a child to

come true. I have always wanted to write a book and tell some outrageous stories. The book

is now available at www.amazon.co.uk. And now that I have written one, I have started to

work on others. So, a big thank you for some of you who have been keeping me busy with

your orders. For those interested in finding out more about life in a boarding school in Nige-

ria, well, here is your chance. Will this book get me into the Rich list in the foreseeable fu-

ture, at the current rate of sale, yes, if I live to be 4000 years old, may be!!!. Below is a sum-

mary of what the book is about.

The E-magazine of big dreams

www.Ajotigers.com

Tigers Magazine Ajo

Investment is a risky business. To be candid, any business

is risky, life itself is a risk. Many people have been affected

by the massive collapse in share and property prices. So

once beaten, twice shy. Well!!! Yes, but life is about taking

risks and those who rush to make quick and easy money,

also find that they are taking even bigger risks. I bought

my first house over 20 years ago and since then I have

added to the portfolio and even done some occasional dis-

posal, but when property became more like stocks to be

‟piled high and sold off quickly‟, I knew that it will all end

up in tears in the end.

You remember those ‟free seminars‟ followed by personal

coaching by property experts who have not owned a single

property in their lives? Well, these same „geniuses‟ are

back selling lease options, forward purchase options etc.

The world of property and investments will never be the

same again, but very few investments are as solid as prop-

erties. It does not matter what we do, we all need a place to

put down our roots, like food and other basic necessities,

we need a place to live.

So, is it time to buy yet. The time is always right to buy

properties for those interested in being in the race for the

long run. As soon as the banks start lending again, let the

game begin. There are incredible bargains to be had for

those who are brave. You do not get into the fortune list of

1000 richest people by being a chicken. Many sure the

price is right and be ready to do the hard graft, there is no

quick way to financial freedom.

.

Www.homebusinessadvices.com

The Magazine for people with passion

Here is the scenario; 9 boys and three girls left home when they were only 10 years old to

attend a boarding school, life was tough as it was the first time they had been away from

home. They formed a bond that was to last them for the rest of their lives. They had

dreams, but their school was a second rated one, where they were not even supposed to

make it to Universities, but they made a promise to achieve their dreams and meet up after

30 years to compare notes and tell the best stories they had ever heard in their lives. Did

any of them achieved their dreams?. Did their friend, a hunchback make it to being a

medical doctor and what stories did they come up with when they met? One of the girls

nearly became the most powerful woman in the world, so what happened? Did any of

them fulfill their mega dreams. Place your order as the books are running out of stock

quicker than amazon can fulfill the order, delivery will be with a couple of days. Happy

reading and I look forward to your feedback.

http://www.amazon.co.uk/gp/product/1427651620/ref=ox_sc_sfl_title_4?

ie=UTF8&m=A3P5ROKL5A1OLE

The very influential Sunday Times Rich list came

out on Sunday, 8th of May. There are some nota-

ble new entrants and some movements up and

down the list. My favourite billionaires on the list

is Dame Mary Perkins and her husband. The cou-

ple with a vision of the future met whilst at uni-

versity and turned Specsavers into a multi-million

pound business and making a few pounds for

themselves on the way. One thing that is constant

from the list is that most of the successful people

are the ones who do things they love. So, to get

into the list, continue to look for your passion.

The list is also interesting for many reasons, you

can get rich from almost anything and whatever

your background is including marriage, inheri-

tance and just by being really smart.

Globally, the new rich are those with ideas as new

as just starting facebook, Amazon, e-bay etc.

Another favourite of mine is Xiuli Hawken, a

native of China, who moved to the UK and returns

back to china frequently to build shopping malls.

With several properties within her portfolio, she is

now estimated to be worth over $2 billion.

Are you on the Sunday Times Rich list?

From Sunday times, the pictures below of beauty and brains = to very serious money

Dame Lady Perkins of Specsavers above and left those killer Jimmy Choo shoes

Issue Three

Finding An Agent That’s Right For You

Badgeaminit makes machines that you

can use to design and produce different

types of customised metal badges, espe-

cially for children, schools charity pro-

motions, to raise awareness, for church,

business and club promotions. The ma-

chines cost as little as $30 for the little

handheld ones to about £1500 for the

more robust semi automatic kits.

http://www.badgeaminit.com/

buandinop.html

One business that you can start for less than

£500 is the home inventory business. The

business allows you to take stock of valu-

ables at home with the help of a camcorder,

digital camera and a home inventory soft-

ware. This type of business can also be

flexed so that it fits with your lifestyle. A

perfect type of business for those interested

in working part time or from home. For more

ideas of businesses that you can start for less

than $500, check out the website below.

http : / /www.sbo mag.com/ar t icals/

SBO/2008/july/plunge/index.html

Editorial Desk

in this issue >>>

current topics >>>

In The Next Issue

Lisa Newton of Boogles Book– keeping services

Local Property Guide

Determining Your Home’s Value

Mortgage Rates 101

Downpayment Help For Young Buyers

Read Steve Jobs of Apple Inc and

the man from Amazon.

Goodbye to Seve

Oprah’s last season finale

Lisa has a first class in Accounting and mar-

keting, M.sc in investment management and

started business in 2004.

Young Entrepreneur award 2007

Boogles won an enterprising Business award

in 2008.

Author of book keeping made simple

Author of Boogles and the self employed con-

sultants and many more

Every edition, we try to bring you new ideas of things that you can do to get increase your passive income and build a side business. In this edition, there are a couple of good ideas and website links for you to investigate.

Business ideas

Www.lisanewton.co.uk

Www.boogles.co.uk

Welcome to our 3rd edition. In this edition, I

am glad to introduce a new team member.

Peter Dixon, who will be helping to design

future edition of this magazine. He read

graphic designs at Uni and can help to de-

sign flyers and artwork. Also this month, we

welcome a guest writer, Mimi, who will be

telling us about Bulgaria and all that is good

about that country. Bulgaria is emerging as

one of the quiet tiger countries of Eastern

Europe and one of the places to keep an eye

on. Smart holiday makers are now enjoying

the tranquillity of the coastal cities of Bulgaria,

where their money are likely to stretch further.

For many of you who are followers of Oprah

Winfrey, the chat host supremo is cranking up

the air miles on her last season. One thing I

picked up from her show is that she enjoys

giving as much as she does about making a

difference to our lives. Best of luck Oprah.

The economy continues to dominate the

headlines as many businesses and individu-

als struggle to make ends meet, but in all of

these, more people are coming up with ingen-

ious ideas to save money. Parents are now

willing to send their children to other countries

in Europe where the tuition fees and the cost

of living are lower than the UK. More people

are cycling or car sharing than ever before.

Each time I think about the incredible sacri-

fices that some people made for the benefits

now being enjoyed by many of us, I have to

doff my hat for their tremendous dedication.

Men and women with great beliefs and cour-

age in a society that treated others unfairly.

Many things have been written about those

pace setters that should not be regurgitated

here, but I want to mention a few people be-

cause of their single individual beliefs.

Martin Luther King Jnr, who was ready to

sacrifice his life so that black people in Amer-

ica would not have to stay permanently at the

back of the freaking bus. Nelson Mandela and

his cohorts who fought for equality for their

people against all odds, William Wilberforce

against slave trade, Oscar Schindler who

risked his life to safeguard the Jews during

WW2 and many others. Those fights were

never easy, the journeys were rough, the

terrain inhospitable, but they had a focus, that

is a premise for a better world that businesses

can now operate in.

Several of these incredible men and women

did not want recognition, they didn't do it for

money, or personal gains, but a belief that

future generation would benefit from their

struggle. A big appreciation on those people

whose shoulders many of us now have the

freedom to make things happen.

We cannot but mention the Royal wedding

and the tremendous boost that must be for

many small businesses across the UK. I shall

refrain from mentioning Pippa Middleton and

her „tremendous assets‟, but wish the Goring

hotel where the Middleton family stayed dur-

ing the ceremony for their canning business

sense and turning the suite where the Middle-

tons stayed into a money spinner for them.

Until the wedding, very few outside of the very

rich have heard of the hotel, now it charges

more than twice the rate charged by the oth-

ers for the suite.

Finally, I hope you will enjoy some of the new

ideas that we will be sharing with you in this

edition. Happy reading.

Ade Otukoya

Www.homebusinessadvices.com

The Magazine for people with passion

coming soon >>>

At a time when most young people are being castigated for not doing

things well or with a very high percentage of them still looking for work,

Lisa Newton is an exception to the rule. Born in Nottingham, UK, the

young entrepreneur wanted to live in London because of the opportuni-

ties. Her chance came when she went to the University of Middlesex,

she graduated with a first class honours degree in Accounting with mar-

keting-ok, she is very smart.

After her M.sc in Investment management, she knew she didn't want to

work for anyone else, especially not in the city, so she started her own

book-keeping company, specializing in helping new and small busi-

nesses. She has published many books and articles and was featured in

the accounting technician institute‟s (AAT) brochure.

Lisa is successful author, an award winning entrepreneur and still under

30. She said she was influenced by such books as “Rich dad, poor dad”.

The company that she started in 2004 has now grown to the extent that

she is now franchising the book keeping business– Whao!!.

One thing that strikes anyone talking to Lisa is that she is not afraid of

taking chances or hard work for that matter. She is also a lot of fun and

not your average accountant. She puts the marketing part of her degree

to good use.

For more information about this incredible talent lady, check her out on

her website. Her Franchise starts at £1500, so definitely one for those

wanting to get into book-keeping with the support of this dynamic lady.

Lisa puts down her success to her passion for what she does and being

able to read what the market really wants. At a time when most account-

ants concentrate on the „sexy‟ side of accounts, she has focused on the

simple things, helping small businesses to keep their books in shape.

ask the experts >>>

More things to do in Bulgaria Online magazine in Bulgaria http://www.businessesforsale.com/uk/International-Property-And-Lifestyle-Online-Magazine-Franchise-For-

Sale.aspx

http://www.sbomag.com/articals/SBO/2011/january/make-money-in-2011/index.html

The best way to find out

about where to go on holiday

is to ask the locals. So, in

this issue, We have asked a

local to tell us the best things

about Bulgaria and where

the locals go on holiday

away from the beaten tracks.

First, a little information

about a country now gaining

a reputation as the place to

go on holiday.

Editors Note:

Bulgaria is surrounded by Romania to

the north, Greece and Turkey to the

south. The Sunny beach, Bourgas and

Golden sands are some of the best

resort locations to enjoy and mix with

other tourists, but to really enjoy what

this beautiful country has to offer, then

a trip to Sofia is a must for the city

explorers, the mountains provide a

welcome for those ready to explore

more than just the beaten tourist tracks.

The people are kind and pleasant and

has some famous people for a country

of 8 million people.

To some entrepreneurs nothing

wets their appetites more than a

chance to combine business and

pleasure, especially in some of the

Eastern European countries where

wages are low, weather is good

and the people work hard. Thanks

to the internet, you can now setup

a business anywhere you want in

the world and operate a multi mil-

lionaire business from the comfort

of your home, especially, if its in a

wonderful location, the house is

big, infrastructure and staff costs

are low. For most people who

work on the internet or write for a

living, Bulgaria is paradise

Mimi Stoyanova– Our expert on Bulgaria

Bulgaria Bulgaria is not only my destiny, it is my Homeland, and it is my treasure. This is the place I was born, where I took

my first mouthful of air. I love this country and believe is the most beautiful and wonderful land. Unfortunately,

not much is known of Bulgaria in other countries. People even can‟t find our land on the map. They can‟t feel the

magic of our music; see the talent of our children, the beauty of Bulgarian women, and the creations of our poets.

Our literature, our dances, our sportsmen are wonderful and I hope someday other people will understand that. The

first computer was made by a Bulgarian, an event that will stay in the history for ever. Our culture is our richness.

Our poets write so beautiful things, so touching the soul. Bulgarian music is loved by many people far away from

us. .

The people and culture make Bulgaria special, combine this with the magnificent scenery, nature, history, food and

the weather, you a great country that is more than just an holiday destination.

It is a small country, but for a tourist it is like a little paradise, its people are kind and hospitable. Tourists love the

seaside and the sea, the climate and the fascinating nature. The combination of mountainous areas and seaside is

the charm of this country.

Along the coast there are so many fascinating resorts, camping sites, etc., where a foreign visitor can relax. You

can go to the Pobiti Kamuni (Petrified Forest) site – with strange rock columns which are said to have been at the

bottom of a sea centuries ago. The mountains are also beautiful – Rila, the Rhodopes, the Balkan. A foreigner can

relax in the mountain resorts of Borovetz, Pamporovo and others. And last but not least, in Bulgaria you can see

different and interesting traditions , for example at Christmas when boys go round people‟s homes and wish them

health and luck, and hosts treat them with different things. For those interested in city breaks, Sofia is littered with

historic buildings. We hope to see you in Bulgaria soon

Option congue nihil imperdiet doming quod

Bulgaria is a country rich in tradition,

most of which originated from pagan

times. The celebration of „Baba Masta‟ on

the 1st of March to signify the beginning

of summer. The best times to visit Bul-

garia apart from the sunny summer

months are days like 3rd of March, the

national day or 6th December, Nikulden

is "The Day of Saint Nicholas" - one of

the best celebrations during the winter

months. Easter is another great time to

visit Bulgaria, to be honest, Bulgarians

love to party and enjoy themselves, so

every opportunity is turned into celebra-

tion. The coastal town of Bourgas is

where most foreigners hang out and soak

the beautiful Mediterranean sun near the

sea.

It is definitely worth a visit for

this former Eastern block coun-

try, where in some villages, like

is still very rural indeed.

As my friend once told me,

„don't visit Bulgaria because of

the weather, do it because of the

people‟.

Education vs Trade

This magazine is about dreams without

limits, so here are some notable reasons

to keep your creative juices alive.

No profession or trade can exclusive

make you money. What makes money is

the ability to live the dream through

your passion.

Being successful means different things

to all of us, from having money to lei-

surely getting up out of bed or just doing

what one fancies anytime, cruising the

waves or going on holiday. Life can

change at any time for people with

money. Take the case of Simon Cowell;

one moment he was trying to have a leg

over with „wanna be‟ pop stars, the next

he was flat broke and back home with

his parents. Invited to judge a talent

show, spoke his mind and he is now

richer than the pop stars he manages. JK

Rowling is another one, rejected 12

times for a story line the experts believed

lacked the right ingredients for success,

she moved from an unemployed single

mum to a multi-millionaire writer in less

than 5 years.

Recently, the cases of Susan Boyle and

Ted Williams, two people whose voices

have catapulted them from pure obscu-

rity in a wink has proved that people can

indeed keep their hopes alive.

For those people who may lack the per-

spective and dream to make things hap-

pen, here are a few people who have

broken new grounds through being good

at ordinary things that we all can relate

to. Anthony Robbins loves motivating

others, the former salesman combines

that act of self promotion and motivating

others into a business worth several mil-

lion dollars a year through personal

coaching, presentation and book sales.

When you look at the rise of the Pente-

costal churches and their charismatic

leaders in Africa, US and Europe, one

cannot but give credit to their vision to

uplift their congregation rather than tell

them about the bible. The slant is re-

sponsible for the rise of these churches

and the demise of the more traditional

ones.

Remember you can be an entrepreneur

without jumping into business head first.

Uni vs Tools

Anyone with older parents might have been hammered about the importance of

education as a way to prosperity and rightly so in those days. But things are

changing. Education provides a knowledge base for children to build on as they

get older. Many parents still insist on children learning a profession; medicine,

law, accountancy are some of the popular ones. With the high cost of education

likely to hang around new graduates like a mill stone around their young necks

for many years to come, some parents have mellowed a bit and may just allow

their kids to try out the sports.

We must not completely write-off children who are not good academically or

force them to stay in schools longer than they need to be. The kids who wanted

to become chefs, artists, carpenters, electricians did not stand a chance in those

days. Thanks to people like Richard Bronson and Jamie Oliver, we are allowing

the kids the freedom to explore themselves more.

There is no denying that having an education until at least age 18 is good, but the

focus needs to move from just studying anything at the university to entrepre-

neurship and getting the very best out of our children.

These days; graduates find it difficult to get jobs, so setting them up from such a

young age to develop a passion for something helps them to look for alternatives

rather than just filling forms and sending out CV’s. By the way, not everyone will

become business owners, but encouraging them to develop an interest in what-

ever they really want to do will make them happier adults.

Do they really need to go to universities, not necessarily, if they have a passion

for something that can make them a living. For parents, it can be tough to decide

whether their children’s interests are just a passing phase or that the talent they

have is enough to sustain them when they get older. A very tough call for many

parents indeed.

The bailout and collapse of many organisations

especially the banks has given a boost to the

little organisations like the micro finance or-

ganisations. Profit has grown as the owners of

such organisations have been feted as heroes,

against the greed of the larger organisations.

They have thrived whilst larger organisations

have failed.

Community lending or social lending is now a

popular business from organisations like

www.zopa.com, that allows members to lend to other

people, to the social lending organisations who work

mainly in the Africa and Asia. So where large organi-

sations have failed, the small ones have stepped in and

the doing a great job. The success of micro finance in

Asia and Africa shows that people are looking for capi-

tal to control their own destinies rather than handouts.

Is this an opportunity for you as well More about how you can help in the next edition

http://www.opportunity.org.uk/

http://www.lendwithcare.org/

The world of Formula 1 and the continued

domination of the Red Bull team is some-

thing of a surprise. If Red Bull was a per-

son, others will be demanding a urine test

by now. The Red Bull boys (Sebastian

Vettel and Mark Webber) are flying and

contrary to the arguments about team

order last year, the young German is de-

stroying the opposition including Jason

Button and Lewis Hamilton from

McLaren. Lewis who only a couple of

years ago was being praised as the young-

est ever world champion has now been

overtaken by Sebastian Vettel and at the

moment trailing the German wonder boy.

It is too early to write off the other con-

tenders this year, but Vettel‟s acceleration

is putting the opposition in a spin and like

Lewis may have to do a couple of his

specialist „donut moves‟ on the young

champion to get a chance of catching up

with the him.

The power of dreams

Most people start slowly, keeping

their day jobs whilst they try out their

passion, whether it is helping

neighbours to keep their gardens for a

few pounds a time and later into a full

-fledged garden centre. It really does

not matter, it is about elevating our

standards and not settling for the

status quo. From landlords who enjoy

buying houses, especially in a de-

pressed market, to building a whole

empire out of his hobby of renting out

small rooms and apartments. At the

beginning, it is better to keep costs

low, so work from home, use you old

computer or even a book to keep the

records.

Have a picture of what you want to

achieve, make the dream as big as you

can imagine. You have to plan for

success, then work your way towards

it as if it is familiar grounds. Every

month, we will have the pictures of

the most beautiful things that money

can buy or people who have achieved

things through their own efforts.

Those are the heroes that we need to

emulate. There is no point in having a

dream with a plan, cut that plan into

bits that you can easily achieve over a

short period of time.

Mark each success and keep going. If

the dream is to pay off your mortgage,

work out how, don‟t worry if you can

only overpay by £20 a month, it is to

build a momentum over a period of

many years. It‟s a journey of a thou-

sand steps, it may have to start slowly.

Whatever happens, keep the fire burn-

ing and keep yourself motivated. If

you need support, surround yourself

with people who will encourage you,

find yourself a life coach, but what-

ever happens, keep yourself in top

condition.

Keep fit, there is no point in having

money and then suffering from ill

health just as you are about to hit big

time.

Check out what success can buy you,

a nice private island is one option.

Find something that motivates you

and keep that picture with you.

http://www.privateislandsmag.com/

category/celebrity-private-islands/

72.22 Carat Diamond Price tag: $10.2m is 72.22-carat pear-shaped D-

colour (finest white) flawless diamond that was auctioned in Hong Kong

Read more: http://www.time.com/time/

photogallery/0,29307,1825241_1739946,00.html#ixzz1MBYUDi00

Villa la Leopolda Price tag: $500m. One of several villas built by King

Leopold of Belgium as a present for his mistress, La Leopolda was

purchased by Roman Abramovich, owner of Chelsea. Football Read

more: http://www.time.com/time/

photogallery/0,29307,1825241_1739943,00.html#ixzz1MBYzMssH

A case for Micro Finance

Price tag: At least $300m This 390-ft. custom-designed yacht is notorious for its

radical design. The vessel, a creation of Created French designer Philippe Starck,

is owned by Andrei Melnichenko, a 36-year-old Russian billionaire industrialist..

Read more: http://www.time.com/time/

photogallery/0,29307,1825241_1739908,00.html#ixzz1MBX5wAzu

Nice picture courtesy of

www.justelite.net

Nobody can make you feel in-ferior without your consent– Eleanor Roosevelt

Story also on Www.homebusinessadvices.com Contact us at ajotigers@live.co.uk

Right is the picture of Lewis Hamil-

ton and his girl friend, Nicole. Below

is Sebastian Vettel, F1 champion and

his car below right.

Half man, twice the spirit

Get a coach, get a life

Johnson is now Chairman and CEO of MJE, his

business that includes real estate, fitness centres,

restaurants etc. He sold his Starbuck franchise and

Lakers investment interest for over $100m.

He has been supporting HIV/AIDS aware and

prevention programs having been diagnosed with

the disease since 1991.

Johnson typifies the same „never give

up‟ spirit that he showed on the court,

his empire is now believed to be worth

in excess of $700m, not bad for the son

of a GM assembly worker and a school

custodian.

He is also a TV pundit and basket ball

commentator, but he will also making

impact by trying to encourage business

such as Starbucks to engage with mi-

nority groups. Despite the sale of his

Starbuck investment, he still works

with them on many minority interest

projects.

Most people would say that MJ has

touched more lives in the last 20 years

than the previous 20 when he was a

dazzler on the court. So, he is not only

a wonderful sports man, but a very

smart businessman.

Here is an example of deal in Liverpool, UK

Formula for Success

I have read many books about different for-

mula for being rich. From reducing the num-

ber of hours you do to being a wonderful goal

getter. Once thing that I have found is that

most of those who become successful is that

they make some kind of sacrifice to achieve

success. Whether through hard work or are

pushed by a need to satisfy a curiosity. The

book „Four hour week” defines „being rich‟ in

a different context, it is by having time to do

the things you really want to do without con-

straints. That becomes the definition of being

rich. Freedom.

Man has been able to create new products,

develop new sectors and make it to the moon

and beyond, but it has not been able to in-

crease the number of seconds in one single

day or even able to stop time. We can drive

faster, multi task, outsource and speak to peo-

ple in different continents at the same time,

but we can not add a single minute to our day,

so time becomes the best way to build wealth.

Can you start a business that will save time?

It is difficult not to be impressed by Peng Shuilin. The 37 year old was sliced in half

in an accident in 1995 involving a truck. When I received the e-mail about this in-

credible man, I was not only stunned by his incredible spirit, I was impressed by

what he has become, a source of inspiration for other people who are faced with

incredible circumstances that they find themselves in.

This magazine is about passion and ability to

overcome obstacles, no one typifies that spirit

than Earvin “Magic” Johnson. The man who

dazzled and danced his way through opponents

on a basket ball court has sprinkled more than

just his magic dust in the business arena since his

retirement from basket ball.

Life is tough and success in business can be lonely and even

stressful. Most of the rich and powerful entrepreneurs have

someone to call on when they get to that crunch time. An-

tony Robbins is one of those with the ear to the top manag-

ers and CEO of Fortune 500 companies.

The need of the small business owners may not be as com-

plex as those of their counterparts who run multi billion

dollar corporations., but they still need some support as well

Now such services are no longer the exclusive preserves of

the privileged, thanks to people like Jackie Elliott an expert

on Personal coaching and mentoring. Jackie can be reached

on her website

http://jackieelliott.vpweb.co.uk/

Peng spent over two years in hospital

after the accident where doctors recon-

structed the lower part of his body. His

organs have to be reconstructed and

rerouted, but the man took everything

in his strides.

One of the best medicine you can have

is a positive attitude and the willingness

to live. How many of us would have

given up seeing half of our body has

gone missing. Doctors believe that he

is fitter than most able body people.

With a spirit like that, who can doubt it.

How many of us, faced with such in-

credible obstacles will have time for a

smile. Twice the man.

The house is a 2 bed house on the market for £25,000. It is not in the best of areas, but even people on

low income or on benefits need a place to live. With the UK government not building new social houses,

the government is looking to the private sector for such services. Most banks will lend up to 75% of the

value of the property. This means that you and a couple of friends only need to find about £7,000 to

cover the deposit and legal fees. The rent on properties like this is about £3,600 p.a. With interest rates as

low as it is at the moment, you will be paying less than £100 a month, interest only. My suggestion is

whilst interest rates are low, use the opportunity to reduce you capital, then when interest rates begin to

rise because the market is picking up very nicely, get a second charge on the property to release your

initial investment which you can then use to invest in other properties. The aim is to have a residual in-

come that brings you a bit of money over a period. But who has time to manage property from a long

distance? Get an Agent, they will charge between 8%-10% and take away the problem of tenants ringing

you in the middle of the night. Also, get the British Gas maintenance contract at fixed charge per month.

You do not need the hassle, just the money. Where to get more info on properties. Www.rightmove.co.uk

The New Football winker

The Magic of Johnson

Above– Johnson the player and below, the business man.

How can you buy properties when the

banks are not lending? Over the years, I

have learned that the best way to do well

in any business is to specialize. Adam

Smith centuries ago referred to this as

the „division of labour‟. I look for prop-

erties and let my Mortgage Adviser sort

out the mortgage details for me. What is

the point of spending valuable time

looking for a mortgage when someone

else can do the donkey work and I don‟t

even have to pay him?. There are in-

stances where I have had to pay people

to arrange some fanciful deals in the

past, but the way I look at it is that it is

better to pay the 1% fee and get the

extra 25% savings or nothing at all.

Lets not beat about the bush, its takes

brave people to invest in something as

risky as Real Estate, but when you com-

pare property to other forms of invest-

ments, it is not as bad, if you get the

timing right. If you invested in Apple

Inc in the 1990‟s when they were down

on their lock and stuck with them in

those days, you are pretty much smiling

now, but how many people did?

The best way forward if the banks are

not lending is for individuals to come

together to form a co-operative or a

company, use the money gathered to-

gether to issue out shares, so interest or

ownership in the company will be based

in contributions, if you raise 50% of the

money needed, then you can borrow the

rest from the bank. The banks will led

up to 70% and you have spread your risk

between a few people. Happy investing.

There is a way

As we come to the end of the football season, many will doubt the passion of footballers and their sup-

porters. Emotions run high on football fields, from the kung kick of the Manchester United French maes-

tro to the latest wink by Mario Balotelli that nearly sparked a riot or even the ugly scenes between rival

football supporters in Glasgow. One thing is certain, there is a lot of passion and commitment in football.

The same kind of commitment that allows for “winners take all” mentality in any field where one looks

for success. Thanks to sports, Balotelli who was born to a poor Ghanaian family now earns over a £1m a

year, his passion for football like the one Mike Tyson used to have for boxing, the saving grace for the

young footballer who has now added winning the FA cup to his growing cabinet of trophies. There is no

doubt that the man they dubbed „Super Mario‟ still needs to curb some of his excesses, but does his man-

ager really want to curb his over zealous antics on the field or let

him lose to continue to create havoc for their opponents? Well

done, Man City. It shows that money can buy success.

I suppose we can now add „Super Winker‟ to Mario‟s list of grow-

ing nicknames. Lets face it, the guy is not a saint, but who wants a

bunch of well behaved footballers? Not the groupie girls, I am sure.

Most of us complain about a lot of things,

from the remote not working to lack of oppor-

tunities and rightly so, but when one looks at

the predicament that guys like this face, yet

they not only overcome such incredible obsta-

cles, they turn such circumstances into an ad-

vantage to help others in similar situation.

Peng Shuilin smiles all the time. He is happy

and has his own business, most importantly,

he travels across China to motivate and en-

courage others. He could sit around and com-

plain about his circumstances or make a dif-

ference to the lives of others, he chose to do

the later rather than the former. An incredible

man with bags of guts. His shop is called

“Half man– Half price Store”. What a hero.

There is no business like Real Estate Business…...

The expression, as solid as a house

may sound hallow these days considering

all the problems with house prices drop-

ping quicker than a brick from a balcony.

Below is another way forward for Real

Estate investment.

Goodbye Oprah

Adieu Seve

e-books for free and there are many of the classic books that are now available

from Amazon and several other suppliers for free. Also, if you are impatient

about waiting for the book in the post, the delivery is instantaneous, without

delivery charges, making them considerably cheaper than hard copies.

The Amazonia Man

ask the experts >>>

Change was inevitable and Bezos rose to the challenge in his char-

acteristic form by reducing staff number, cutting out non profitable

products and allowing others to sell on its website for a fee, it also

challenges ebay and other companies who trade on line to become

one of the largest internet trading organizations.

The lesson from Bezos is that Entrepreneurs must not only have

great ideas, they must be ready to make changes when things don't

go to plan. Like Steve Jobs of Apple inc, the sign of a great business

is when they are able to overcome problems.

Finance corner

“Times are hard”, that sentence is now truer

than ever before. I have just read a report that

many small businesses go belly up sometimes due

to avoidable reasons, mostly, the inability to ask

for help or leaving things too late. This may

cause untold hardship not only to the owner, but

also the staff. If you are struggling, ask for help.

If you are going to miss interest payment, speak

to the lender or get someone to do it for you,

whatever happens, act. It’s never easy when you

start a journey, but keep your eyes on the destina-

tion.

Before the arrival of Tiger Woods to

dazzle us on the golf course, we had

Seve Ballesteros who passed away on

Sunday, 7th May 2011. Seve won a total

of 91 tournaments, 9 of which were PGA

tour titles. Seve was diagnosed with a

cancerous brain tumour in October 2008.

He went through four operations to re-

move the tumour and also went through

some chemo. His death has been re-

garded as a blow to the world of golf. He

died at the age of 54, survived by three

children. Tiger Wood was quoted as say-

ing that “Seve was one of the most tal-

ented and exciting players to play golf”.

Tribute has been pouring in for the char-

ismatic golfer. Adieu Seve.

The tablet PC has become one of the

most popular must have gadgets.

With prices varying from £70 for the

simple ones running on Android 1.6

to the Samsung galaxy at around

£400, but the leader of the pack is

the Apple‟s ipad.

The Tablet Pc has come about as a

result of our need computing on the

go, checking out e-mails on the go

and finding our what is going on

around us, for me though, the Tablet

PC represents freedom to download

I am not sure about other people who are

completely devoted to Oprah, my rela-

tion, love and affection for the lady

sometimes changes with time. If I like

her show, then, I automatically like her,

if not, the relationship goes through a

patch.

But I religiously go through phases of

not watching her program, then she does

a very captivating show and the affection

is back again. Considering the fact that I

have only been admiring from her afar, it

is strange relationship. So, when I heard

she was thinking of quitting and retiring

to the background, It felt like I was about

to lose a member of my family.

“But why?”, I repeated several times to

myself. “Why is Oprah going now that

she is doing one of her best shows, she is

happy within herself, she is comfortable

with herself and looking better than ever.

Ha! Ha!, I thought I have just answered

my own question. It is better to leave at

her peak rather than when the ratings are

in the gutters. Anyway, having been a

force behind the election of the most

powerful man in the world, how else can

she top that?

Oprah is leaving our screen at just 57,

but at least now she can do whatever she

wants in privacy without people com-

menting on her hair style or dress sense.

I wish her the very best and I hope she

enjoys the next stage of your career and

the rest of her life.

Oprah is one of those rare breed with

passion for what she does and very gen-

erous as well.

No doubt we will continue to write about

her dedication and charitable work.

Jeff Bezos was an investment banker

from New York, when he decided to

borrow $300k from his parents to start a

an online business selling books (lucky

him). The website was launched in 1995

with a further investment of $100k from

a venture capitalist and Amazon was off

to a flying start. One of the new things

that Amazon brought to the internet was

giving the customers the right to com-

ment on the books they have bought. By

1997, Amazon successfully raised an

additional £54m. Just over 2 years after

if was set up, it has delivered 1 million

items. The company added CD’s, videos,

electronics and other products to its line

of business. In order to develop a good

customer service , the company sacri-

ficed profit for speed of delivery of

items. Four years after it was started,

sales reached £1.6b, but by 2000, the

company was losing money quickly than

BP was losing oil, the loss that year was

$1.4b.

The latest gadget is an Android

My newest gadget has to be

the Tablet PC

Not everyone will like e-books, but for those travel-

ling, the e-books are great as you can carry with you

several hundred books on a Tablet that weighs less

than a couple of books.

Amazon on the other hand has Kindle, which is just

an e-reader, considerably smaller and lighter than the

Tablet, packs an incredible punch, the Kindle costs

£111 and £152.

For me, the Tablet is a better product just be-

cause it does more. The winner of the Tablet

fight must be the Samsung GT-P1000. Here is

why, 7 in touch screen, 12mm thick, 16GB built

in hard-drive space, increasable to 32GB, it is a

phone and has a camera. Apple ipad is 10.1 in

and not as versatile, but Apple is the leader here

and so more expensive. By the way, you can

watch TV and listen to music on them as well.

About five years ago, I came across a man at a

party, realizing that I am an accountant started

to „tap my brains‟. It later transpired that he

had a „ground breaking new idea that would

shake the world to its foundations‟. He refused

to tell me what the idea was and he did the

same to his bank manager and everyone else

on the belief that any of them could steal this

bright idea. Without disclosing his idea, no one

gave him any money and the idea remains

exactly where it has been since.

Ideas need to be tested, even where you have

deficit in your strength, sometimes you may

need to find a partner. It is better to have 50%

of a large number than 100% of nothing.

Simon Nixon, the founder of moneysupermar-

ket.com, the online comparison website had a

great idea and it was, but he was not a techie,

so he engaged a computer guru to do the hard

graft in return for 50% of the company. The

result, they both became very rich indeed,

Simon to the tune of £400m and his partner is

worth at least £200m, but without both men

coming together, no one would have gained

and the idea of a comparing mortgages and

insurances may never come to light.

Two heads may be better

One of the most important things that

anyone who has reached the dizzy heights

of any profession is knowing when to

leave the stage. Few people have man-

aged to get the timing right when it comes

to exiting at the top of their game.

If you consider notable delayed exits like

that of the RBS former CEO, if he had

left a year or two earlier, Sir Fred Good-

win would have remained an enigma to be

worshipped by the business world.

Back to Oprah, the lady has decided to

leave the stage when the ovation is loud-

est and she is definitely going out in

style , with all guns blazing in this her last

season. Oprah, a self made billionaire has

been continuously voted as one of the

most powerful and influential people in

the world, with enough power to move

mountains. Must be the blue print for any

career, start slow, followed by quick ac-

celeration and then a dramatic exit, won-

derful.

Now to the reason why I love Oprah. For

me, she never forgets her routes and

really unpretentious about her past and

unlike other celebrities, she doesn't mind

occasionally doing her dirty laundry in

public especially when she knows that

someone else might want to use it as a

way of making money.

Overall, the queen of day time chat show

has transformed our screens over the last

25 years and will continue to do with the

help of her TV network and magazine. A

true icon for a lot of women who would

no doubt follow in her footsteps.

Odd world

Sweet cold

Have you ever thought about the slow

moving snails? Well they are a very

good delicacy across Europe. The

French can not get enough of them. Do

you know that a handful of people in the

UK are slowly growing snails in their

garages or even in their bedrooms?

Why? Well, there is money to be made

and before you rush off to start picking

the little crawlies around the garden,

may I suggest that you slow down

enough to finish this article.

There are different types of snails, some

are allowed to be farmed in Europe, oth-

ers are not. The giant African snail is

unfortunately not to be farmed in

Europe. Here is where you can get more

information about this tasty business.

The prophet of business

Some of the best things in life are free

One of the best books to be written on how to get rich is

the ’Science of getting rich” by Arthur D. Wallace over 100

years ago. Its now available in e-book format from

http://www.scienceofgettingrich.net/products.html

Remember

“For want of a nail, the shoe

was lost, for want of a shoe,

the horse was lost –for want of

a horse, the battle was lost.

And all because of a horse

shoe nail.” Anonymous.

Not every one is interested in worshipping

the sun when on holiday, so for those who

are interested in the best places to enjoy their

winter holidays, you may want to consider

some of the coldest places on earth and their

teeth shattering temperatures. Nowhere is

better for the extremes than the Mount Ever-

est base camp where the temperature can

vary from about 20 degrees during the day to

30 degree centigrade below at the top of the

mountain

In her younger days, my grandmother was a

„tough old bird‟, a no nonsense, no messing

about kind of woman. As she got older, she

simmered down a bit, well so I thought,

until she went to put some money in the

bank a few months ago. She grudgingly

opened the account many years ago, rather

than keep the money under her bed, so it

was with great reluctance she visited the

bank to upgrade her account. The nice

young lady at the bank smiled at her as she

looked around suspiciously. She sat down

uncomfortably as the lady started to stare at

the computer screen in front of her. She

answered the questions with clenched teeth,

until she was asked the grandmother of all

security questions. “What is your mother‟s

maiden name?”, the young lady asked, un-

aware of the storm that was brewing. “Did

you just ask me what my mother‟s maiden

name was?”, she repeated with as much fury

as a hurricane . That was it. She stood up,

she was not having any of it. In a culture

where respect for elders meant that you can-

not even mention your mother‟s first name,

asking her mother‟s maiden name not only

took her by surprise, it was the height of

insolence. It took awhile and an intervention

from the bank manager to calm her down.

What a woman!!

If you are an entrepreneur and have

failed each time you start a new busi-

ness, don‟t give up.

Read the story of Sari Crevin who invented the SippiGrip and its companion product, the PaciGrip. Her company, BooginHead LLC, is on track for $1 million in sales this year. Sari started a company because she was un-happy about not finding a good product for her son. Entrepreneurs never sleep, they look for opportunities and if they find something lacking or not to their taste, they create the product that they believe will fill a gap in the market. The people who make a difference to our lives are the ones who refuse to believe that something can not be done, so they get of their back side and try to prove eve-ryone wrong, they might fall over in the process, but what the heck, they keep getting and bingo, they hit a jackpot.

http://www.entrepreneur.com/

homebasedbiz/gettingstarted/

article206716.html Steve Jobs of Apple Inc is a man

they should be calling Lazarus. His

company was at the brink of total

collapse in the 1980‟s and early

1990‟s. The Microsoft operation sys-

tem meant that the growth of the PC

made life very difficult for Apple,

even the most loyal Apple supporters

had little choice than to cross over to

PC with very few products being

Apple compatible. It was rumoured

that Michael Dell and Bill Gate

thought Apple was a completely

worthless business. But Steve Jobs

was a man on a mission, he reduced

his reliance on the very competitive

computer market and went for the

music industry; the result a com-

pletely new sector was born, he re-

placed Sony Walkman with MP3,

Ipod, Iphone etc. The result is a com-

pany reborn and now one of the most

profitable companies in the world.

Last year, revenue was $65b, against

that of Microsoft of $62b. By the

way, the man is a marketing genius

amongst other things.

A slow, but taste business– Snail Farming

The best snail farms used to be in Italy,

Spain and France. Now enter Eastern

Europe, these countries have plenty of

land, labour is cheap and with high

unemployment and close proximity to

the market in France, they are turning

out to be hub of snails farming ready to

compete with the big boys in Italy.

There is plenty of information on the

types and the best method to farm these

increasingly tasty creatures to the ex-

tent that a school boy in Scotland con-

verted his room into a breading ground

for snails selling to local French restau-

rants. Check out these websites.

http://www.escargot.com.br/eng/comercio.html. www.agromisa.org; downloads at www.rirdc.gov.au/fullreports/Index.htm

http://www.rirdc.gov.au/reports/NAP/03-137.pdf

Top above Yukon, Canada. Above– Antartica

A business with the right idea called

„husband by the hour‟ got more than

they bargained for when the women

who called for their services had other

things on their minds. The business

owners soon noticed that when the

men arrive to do what they thought

was just a couple of hours of „odd

jobs‟ around the garden and the

house, the women were sometimes in

different stages of undress ready to

pounce on the unsuspecting men.

The first clue of the misinterpretation

of the services on offer occurs when

the men step into the house with their

tools and the women were surprised

by their attire or would grab the

men‟s other „tools‟.

They have to explain to the Georgian

women about the type of services

they offer have nothing to do with

intimate things that a husband may

have to offer them.

http://www.abs-cbnnews.com/

lifestyle/classified-odd/01/15/11/

georgian-women-offered-rent

-husband-service

New ideas to start

Bright idea– not

Wishing Steve Jobs above a happy and speedy recovery

from his treatment for cancer.

Money is hard to earn and

easy to lose. Guard yours

with care.- Brian Tracy

Most successful people have not achieved their distinction by having some new talent or opportunity presented to them. They have developed the oppor-tunity that was at hand."

-- Bruce Barton

Www.homebusinessadvices.com Contact us at ajotigers@live.co.uk www.homebusinessadvices.com

Essential Tips for those starting businesses

Statistics show that it does make sense for people

to work from home, but fewer companies trust

their employees enough to allow that freedom.

Sometimes, the infrastructure is not available for

smaller organizations to do so.

But I believe the message is getting through. I

have now found that my mortgage brokers work

from home. The reasons are both economic and

make considerable sense. The brokers are on the

road most of the time, so why bring them into the

office just to „clock in and out‟, phones are di-

verted so that the receptionist can pick up the

phones and redirect to the appropriate person or

thorough e-mails and instant messaging, the re-

sult, increased efficiency and reduce costs.

If your idea of heaven is working from home,

then, put your business case together and speak

Financial Coaching

"He who wishes to be rich in a day will be hanged in a year." - Leonardo da Vinci

The first thing that anyone starting a business needs to know is their market. Who are your

target markets and what are their tastes and spending power? Even those who are in business

tend to study the trend of the market or how to expand their current operations to new custom-

ers. Even big businesses like Tesco, Wal-mart and McDonald’s tend to develop different prod-

ucts for specific markets. Below are some examples of new and emerging trend. A few years ago, it would have been al-

most impossible to think of people work-

ing anywhere else, but their offices, but

thanks to the recession and the need to

start small businesses and look after the

pennies, more people are now starting to

work from home.

The trend is likely to grow as more people

are employed as freelance writers, blog-

gers, software writers etc. Articles about

„e-bayers‟ and Amazonians who are rack-

ing in millions of dollars a year whilst still

in their loafers conjure an image that sev-

eral commuters will envy .

The customer is king A lesson that every business organization needs

to learn is how best to treat your customers. It

seems a very basic rule, “don't bite the hands that

feeds you”, but in some instances, it is easy said

than done. On the 16th May, the BBC showed a

program about the demise of an otherwise suc-

cessful business. Until that gaffe in 1991, the

Ratner Group was one of the most successful

high street shops in the UK, selling jewelry at

discounted prices on the high street. To spice up

his address to the Institute of Directors in Lon-

don, Gerald Ratner, the grandson of the founder

added a few jokes derogating the company‟s

stock as being crap, the result, £500m was wiped

out of the shares of his company, he lost his job

and a lot of money in the process.

Successful business are warned to avoid doing a

“Ratner”. Prepare for success, but never take

things for granted. Apple Inc nearly did the same

on its iphone4, but Steve Jobs must have been

given a lesson of what happened to Ratner and

quickly took a „U-turn‟. The customers have the

power. An incredible power indeed and they

always right

Laura Chester writing for the UK newspaper

“The Independent”, pointed out that the Bra-

zilians and Nigerians are replacing the Chi-

nese as the „big spenders‟ on the high streets

of London. They stay in the best hotels and

are not afraid to spend some of their oil

money when they go on shopping sprees

across the city. Hoteliers in London are rob-

bing their hands and their tills continue to

ring out loud.

For new and emerging businesses, these cus-

tomers can not be ignored, customize your

products or at least be ready to keep them

within your sights. The economies of the new

emerging markets are still growing despite a

slow down in the US and European markets.

On the property front, Myra Butterworth of

the Telegraph wrote about the high percent-

age of the new rich foreigners snapping up

top end properties in London. More than 60%

of expensive houses in London were sold to

foreigners in 2010. 61 foreign nationalities

bough properties in London in 2010, up from

46 in the previous year according to Frank

Knight, the estate agents. As oil prices go

through the roof, the people making money

from oil invest them in properties, probably

due to the miserable performance in the stock

market.

Financial coaching is not for everyone. Just like in school, some people can

read something once and it sticks, others may have to read the same thing a

couple of times. Do we all need a helping hand?.

The answer is that the job of an athletics coach is to keep athletes in top

conditions, making sure they eat, sleep and train right.

Even the best athletes; Tiger Woods, Roger Federer, etc still need coaches

to keep them in shape.

Can everyone benefit from the services of a coach ?. Some people will re-

quire personal coaches to help them lose weight and look good, others will

need a Life coach or Mentor (see Jackie Elliott details on page 5) to over-

come current issues or to get them to focus and complete projects. A finance

coach is for those needing to get their finance in order, overcome debt and

plan for the future.

The question to ask yourself is, why do these great performers still need

coaches? Its simply to fulfil their potentials. Are you fulfilling yours?

Do you remember the Olympic Boxing champion who didn't want the

coach / manager to take a cut of his earnings. He had 100% of a very small

purse, rather than a smaller percentage of a huge amount.

Ring the Finance Champions on 07728 681555 for a chat Ckeck out www.homebusinessadvices.com

Office Space

Working from home to your manager, not every job can be done

from home, but most large corporations are

reasonably flexible these days.

If you are a small business, start from home

with a computer, a mobile phone and a printer

might be what is required. For those interested

in selling on e-bay, you may need to convert a

room in the house or use the garage for stor-

age. Despite the attraction of working from

home, I have done it for more than 2 years, I

find that I tend to start early, work later, my

job is really never finished and cannot even

complain to my boss when the workload piles

up, overall, I prefer to spend more time being

productive than spend the time on the train or

in traffic jams.

The millionaire says to a thousand people, "I read this book and it started me on the road to wealth."Guess how many go out and get the book? Very few. Is-n't that incredible? Why would everyone get the book? A mys-tery of life. Jim Rohn

It only takes one person to change your life -you– Ruth Casey. When you know what you want, and you want it badly enough, you'll find a way to get it . Jim Rohn

Picture of London by Getty images

The Ajo Tigers

The Magazine is produced by The Finance Champions Milton Keynes, UK Phone: +441908 508 630 Mobile: +447728 681555 E-mail: Ajotigers@live.co.uk

Motiv8– Quotes from www.motivatingquotes.com Successful people save in prosperous times so they have a financial cushion in times of reces-sion.

Brian Tracy Success comes after a hard graft Contact us at ajotigers@live.co.uk