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CONTENTSCover• MANKEYMONKEY

TeamTalkEmmatalksstress

TechnologyForbusinessWetellyouwhatthefuturehasinstore

TotalReclaimWelookatrealethicalbusinessandhowyoumaybeabletorecoveryourfinances

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AskTheExpert• BusinessCoach• lifecoach• Solicitor• TaxAccountant• HumourConsultantOurpanelofexpertsareofferingtheirexpertisetothemembers.Alsogetaninsighttowhattheyseeeffectingusthismonthandwhatadvicetheyhave.

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TEAMTALKTEAM TALKCanyoubelievethatThirteenanda half million working days werelostlastyearthroughstressalone.In these difficult times, we findit harder than ever to cope withchallengesonandoffthejob.Thestresswetakewithuswhenwegotoworkandthestressthatawaitsusareontherise.Nottomentionthestresswetakehomewithusinpeak hour traffic!All members ofthe work force, employers, man-agers, workers, even friends andfamily feel the added pressure.Whilesomestressisanormalpartof life, excessive stress interfereswith your rate of production andreducesyourphysicalandemotion-alhealth,so it’s importanttofindwaystokeepitundercontrol..

Our bodies have a very complexsystem,anditisoftenourinabilityto recognise the signs that allowsus to spiral out of control. “Lay-offs” and “budget cuts” have be-come all too often familiar wordsin theworkplace, theresultbeinganincreasedamountoffear,uncer-tainty,andhigher levelsof stress.Imagine how scary it would be ifwe were walking down a dark al-leytobesuddenlymetbyalarge,salivating vicious looking dog.Ourreactionwouldbetofreeze,heartpounding,yourbreathirregularandmanic,shaking,yourpupilsdilatedlike pins, hands sweating, kneesknocking,drymouth…yougetthepicture.

Thisallhappens foravery impor-tant reason. The Fight or Flightresponse. When faced with dan-

ger,fearbeginswithanimpulsetothe brain, which excites the veryaptlynamed“sympatheticnerves”tostimulatevariousregions inourbody. They do this bymeans of asubstance called Adrenalin whichis released at the nerve terminalswithin the organs concerned, ourtwo adrenal glands secrete ad-ditional adrenalin into our bloodstream. This is what gives us thestrengthtofight,orrunlikehell.

Whenfacedwithaconstantamountofpressureandstressatwork,ournervous system works in the ex-act sameway. It can quite oftenbe very alarming for someone tosuddenly have this reactionwhilstsimply sitting at their desk. At-tendingameetingwithapoundingheart,sweatyhandsanddrymouthisn’t idealandoftensendsus intoa panic.Any prolonged amount ofthis type of stress would eventu-allywearthefittestandcalmestofpersonsdowntoaquiveringwreck.Thepointiswedonotconsciouslyreact thiswayandhavenopowertostopthesereactions,otherthantochangeourmood.

Sohowdowecopewithit?Ourfirststep is emotional intelligence intheworkplace.Beselfaware,andrecognise your emotions and theirimpacttoguideyourdecisions.Bespoke treatment may be need-ed in many cases as there is of-tenexternalfactorstosuchlevelsof stress.But thereare still guidelines that everyone can follow toreduceourchancesofthatdown-wardspiral.

TEAMTALKTEAM TALKEm

maD

olan

By

Themerementionofexercisesendssomepeopleintoasweat,butitisawayofalleviatingnotonlytired-ness,butstress,byreleasingthoseendorphins fora senseofphysicalandmental satisfaction. Yoga andTai Chi are also effective in thefightagainststress,withanempha-sis on freeing worry and stress toachieveastateofrelaxation.Cut-tingdownoncaffeinecanimproveyourwell being also as your bodydoesn’thavetoworkovertimetry-ingtodealwithtoxins.Tryreplac-ingyourcoffeewithwater,as toomuch caffeine can create an overanxious, over stimulated and ul-timately, over stressed mind andbody.Thisalsoappliestoalcoholimafraid.Iknowthefirstthingwesaywhenwehavehadaterribledayis“Ineedadrink!“seriously,it’sthelastthingyouneed.Alcohol isnotonlyastimulantatthetime,butisalsoadepressant.Besensiblewithanyalcoholandenjoyitsocial,notasacrutchtoyourstressatwork.

Talktoyourcolleagues.Aproblemshared…..

Try to laugh about situations youwouldnormallyworryabout!Laugh-ter produces endorphins,which inturn makes us feel happy. (If youwanttoknowmoreaboutthis,thenemailourexpertStephanieDaviesonourLaughologypage)

Take timeoutwhenyou feel youroverwhelmed by any situation,big or small and deep cleansingbreaths. Breathing is very impor-tanttocorrectourbalanceofgas-

ses, as when we are anxious ourbreathing becomes irregular andcan often leave us feeling light-headedandanxietystricken.

Mostimportantly,ifyoufeelitisallgetting toomuch, seekhelp.Edu-cateyourselfastowhatishappen-ingandtrytostaypositiveregard-less of the situation. Tell yourselflifeisgoodeverydayandstayawayfrom those nasty “oh woe is me”moments, they will only drag youfurther.

I have only skimmed across justa few examples, but youwill findendlessamountsofhelpandadvisefromyourlibraryandtheinternet.ItmaybeagoodtimetosayIamsoknowledgeableofthis,asIhavemyself been victim to the unwel-come fear of stress and anxiety,and I suspect there are many ofyou reading this thatmay be say-ing“metoo”Shareitwithpeople,tellthemwhathappenedandhowyourecovered.Thisisnothingtobeashamedoff..Stressandanxietyisnot prejudiced, it can effect any-one, regardless of their position.Acceptanceandawarenessoftheseproblemsarecrucial.Themoreweunderstandthephysicalreasonsforthisnormalresponse,theeasieritwillbetotackle.

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TECHNOLOGYforBUSINESS

Alothasgoneonintheworld of technologyin the past month.So much so that I

havespentallmytimemon-itoring the activity of newand forthcoming releasesthat i have not managedto complete the review ofonesinglebitoftechnology.

Instead of bringing yousomething half hearted Ithoughtitwouldbebettertobringyousomeofthemostanticipated reviews overthenextcoupleofmonths.

In the next few issuesyou’ll be treated to someof the most practicallytested products availableto youasabusiness. whoknows, we may even putin some fun gadgets too.

Here is some of the stuffwe’ll be taking a look atover the comingmonths...

“Total reclaim is licensed and regulated by the Ministry of Justice and unlike many of their counterparts, they actually adhere to there guidelines for good practice.”

Overthelastfewyears,wehavecometofindoutthatagoodmanyoftheinstitu-tionsthatwetraditionally

justassumedwecouldtrust,werenotactuallythattrustworthy.Pre-dominantly Iamtalkingaboutourfinancial institutions here. Funnythatisn’tit,howwerefertothemasours.Theyareinfactbusiness-es,likeanyotherbusiness,excepttheydealinmoney,ourmoney.Now, as a business, they are de-signed to make a profit. Unfortu-nately, when they have felt theyare not being watched, or thattheycouldjustgetawaywithit,in-stincttakesoverandmanyofthemthoughtitwouldbeoktotakead-vantage of us, their customers,

eventothepointofnotonlybreak-ing their own governing bodiesguidelines, but also the law.Now,ifyouorIbreakthelawandthenfight thesystemeverystepof theway, after being found guilty, wearemoreseverelypunished.Notsoourfinancial institutions.Theyarenot made to put right the wrongtheyhavedone,theonusisonthevictims, you and I, to go throughtherigmaroleofthenclaimingbackwhat’s rightfully ours, at our ownexpenseandeventhentheytrytoblockyoueverystepoftheway.It’s no wonder then that most ofusneedhelpwiththeprocess.Un-fortunately, that’swhenthingsof-tengofrombadtoworse.Yousee,this spawns a whole raft of less

regulated and often unscrupulouscompanies.Theystep inandofferyou a solution that sounds like itwillsolveallofyourproblems,forafee.Onceyoupayyourupfrontfee, there is sometimes little, orsadly no incentive for them to doanythingelse.Thentrygettingyourmoneybackoffthesepeople,notachance.Wouldn’t it be nice if a companyexistedthattooknoupfrontfees.Better still, what if they took noupfrontfee’sandhadanowinnofeepolicyandwerefullyregisteredandregulated.Toomuchtoask?

Allowmetointroduce.....

“Total reclaim is licensed and regulated by the Ministry of Justice and unlike many of their counterparts, they actually adhere to there guidelines for good practice.”

Total Reclaim was set upover the last12months inordertomeettheneedsofanyonewhohasbeenmiss

soldpaymentprotectioninsurance.I havemet a number of IFA’s andsolicitors over the past year whoareofferingthisserviceandIhavetosay,Ihavenotmetanyonewhoisaswellprepared,organisedandethicalasTotalReclaim.DarylandhisbusinesspartnerDavearehap-pytoputtheirmoneywheretheirmouths are.Theywill look at anypotentialclaimandiftheybelieveyouhavea case, theywill take iton, covering all of the up frontcosts of making the claim, thenwaituntiltheclaimcomesthroughbeforetakingtheirfeeof15%foraloanclaim,or25%ofacreditcardclaim.Iftheclaimisunsuccessful,whichisnotusuallythecaseiftheyhavetakeniton,youowenothing.Totalreclaimislicensedandregu-latedbytheMinistryofJusticeandunlikemanyoftheircounterparts,theyactuallyadheretothereguide-lines for good practice. But justhowbigofaproblemisthis.WellifIwastotellyouthatthesellingofthesepoliciesisworthawhopping£5 billion per year and that cur-rentlythereare20millionpoliciesin circulation would you be sur-prised.Howaboutthisforafigurethen.Giventhenumberofpoliciesand their value, I was wanderinghowmanyofthesecouldhavebeenmisssold.TotalReclaimhasfoundthat 25% of everyone they speaktodoesn’tevenknowtheyhaveapolicyatall.That’s5millionpolicyholdersthatdon’tevenknowtheyhaveit.Ifthat’snotmissselling,Idon’tknowwhatis.Thisisbesideseveryoneelsewhoknowstheyhavea policy, but thought they had tohaveit.

Nowthat thishasall cometo lightand the financial companies haveset aside money in order to repayand sometimes compensate theirvictims,atleastit’salessonlearntand anyone now taking out a loanorcreditagreementwillbetreatedwith respect and not be miss soldto. Actually NO. This is somethingwhichisstillgoingon.Theyarestillmiss selling policies. Why you mayask.Well, ifyoureferbacktothatearlier figure I quoted, these poli-cies are worth £5 billion per year,that’swhy.Yousee,even if10’sofmillions of pounds are paid out incompensation each year, it’s stillfinanciallyworthdoing,despitebe-ing morally bankrupt. When a payout ismade,noneof thesecompa-niesacceptanywrongdoingandal-wayscitethatthepaymentisbeingmadeasagestureofgoodwill.Iamso tempted to swear write now……no,noIwon’t………justallowmetocalmdownaminute……………okI’mfine,I’llcarryonnow.Goodwill,youhavegottobejoking.Ifthesecom-panieswereinterestedingoodwill,theywouldstopdoingwhattheyaredoing and automatically pay backwhattheyhavemisssoldinthefirstplace.IfthiswasanSMEthattradedin this way, then trading standardsandthecourtswouldstringthemupbytheirsensitivebitsandsomepro-gramlikewatchdogorroguetraderswouldbepokingcamerasintoeveryaspectoftheirlives.Total Reclaim already have dozensof success storiesand testimonials.Almost every day there are moreandmoresatisfiedclientswhohavenothadtoriskanythingtogetbacktheirmoney.Theentireprocessvar-ies in length,dependingonvariousfactors, not least of which is whotheclaimisagainst.Togiveyouanidea,theclaimsgenerallytake8to

10weekstocomethrough,butthefastesthasbeen2weeks,withthelongestbeing6months.Theclaimsvery rarely get as far as court asthe financial company would notbeabletousethatgoodwilllittlenuggetiftheylostacaseandthatwould generally open the flood-gatestomoreclaimants.Ifyouthinkyoumayhavepaymentprotectioninsurancethathasbeenmiss sold to you, or if you’re notsure,especiallyifyou’renotsure,speaktoDarylorDave.There’snohard sell, you simply get a packsent out to you and you decidehow you want to go forward. Younever know, youmay end up get-tingback1000’syoudidn’tevenre-aliseyou’d lost.TotalReclaimarealso looking tobuild anetworkofintroducers. They currently workwith IFA’s, mortgage brokers andevencharities,infactanyonewithaclientdatabasethatwouldliketoofferadecentriskfreeopportunityto their clients and get remuner-atedatthesametime.

FREEPHONE08009152998

ORVISITwww.total-reclaim.net

HAVEYOURS A Y

Thissectionofthemagazineis for you, the local busi-nesspeopleofMerseyside.It isaplatformforyou to

voiceyouropinionaboutanythingyoufeelyouneedtosay.Ifyou’reparticularlynothappywithsome-thing,maybe it’s somethinghold-ingyouback,thenletusknow,wemay even be able to help. Also,ifyouareparticularlyhappywithsomething or someone, tell usabout ithere.Wearenotanewspaperandwedon’tneed topushdoomandgloomtopushourread-ership.Webelievethereisalotofpositivity around at the momentandit’sgoodtosharethat.Soweare happy to print genuine testi-monialsforpeople,(notablatantadvertthough).Here at Your Business E-zine wealsobelievethatworkingtogethermakesusallstronger.Peoplewhomyoumayhavetraditionallythoughtof as your competitors can actu-allybeyourgreatestallies.Ifyouneed support in a certain areaofyourbusiness,whynotletusknow,wecouldputyouintouchwiththerightpeopletofillyourparticulargaps.Maybeyouhaveaproposaloran ideathatyoujustwanttoputout there and see what responseyouget,thisistheplaceforyoutodothatto.

Your Business E-Zine also believesthatbusinessshouldbefun.Thereis nothing wrong with enjoyingwhatwedoandevenourextracur-ricularactivities.Withthisinmindwehaveaproposalwewould liketoputtoyou.Wewouldliketoor-ganize an event for next summer.Somethingfunthatwecanallgetinvolvedin.Mythoughtsaretoruna soap box derby. Each companybuilding there ownmachine, fullylogo’dupofcourse,andwewouldgetasuitableroadclosedoffsome-whereinoraroundthecitycentre,buildabitofatrackandracedownit.Prizesforthewinnersofcourseandevenapodiumwithchampagnesprayingetc.Whatdoyouthink?Isitsomethingyouwouldgetinvolvedin,eithertakingpartorhelpingtoorganise?Letusknow,oranyalter-nativesuggestionsyoumayhave.Thepreviouseditionofthismaga-zinehadinexcessof50,000views.That was our launch edition, it’sonly going to increase from thereand increase substantially. So useustoyourbestadvantageandhaveyour say, we will put your nameandyourcompanynameafteryourpiece. Letme tell you, the expo-surewon’thurt.Welookforwardtoyourcomments.

Mark.TeammemberYourBusinessE-Zine.

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HumourExpert

TaxAccountant

CommercialSolicitor

LifeCoach

Business Coach

BusinessCoachAskTheExpert

RichardstartedoutinhisworkinglifeintheNavy,wereheservedforanumberofyears,travellingaroundtheworldlearningsomefantasticskillsandmeetingpeoplefrommanydifferentcultures.Afterleavingthenavy,Richardenteredtheworldofbankingandfinance,endingupinaroleasEastMidlandsRegionDevelopmentManagerforahighstreetbank.Richardthendecidedhewasreadyforanotherchallenge,soheleftthebankandsetuphisownnationalinsurancebrokerage,whichheranfor5years,untilsellingthebusinessin2005.GivenRichardsextensiveexperienceovertheyearsindealingwithbusinessesandmoreimportantlybusinesspeople,Richardfelthewouldmakeaverygoodbusinesscoach.HethentrainedandwasaccreditedbytheAdlerSchoolofInternationalCoachingandtookonafranchisefromOlogyCoach-

ing,whichgiveshimthesupportofamultinationalcompany,whilstatthesametimestillbeingabletogivealocalpersonalservicetohisclients.Wearevery

pleasedtohaveRichardonboardandaresureyouwillbenefitfromhiswisdomandexperience.

Richard Dickinson

Doyouwanttoknowthesecretofincreasingyourconversionratemassivelybutwithoutspendingafortune?

Haveyoueverwonderedwhysomanysuccessfulbusinessesarefor-everbombardingyouwithemailsormailshots(orinsomecasesphonecalls)?

Welltheanswerisrevealedintheseinterestingstatistics:

•Amassive48%ofsalespeopleneverfollowupwithaprospect

•Just25%ofsalespeoplemakeasecondcontact…andstopthere

•Another12%ofsalespeopleonlymake3contacts…andstop

•Only15%makemorethan3contacts

Icanseeyou’rethinking…“Sowhat”?

Theanswerissimplythis:

Amere2%ofsalesaremadeonthefirstcontact

Only3%aremadeonthesecondcontact

Just5%aremadeonthethirdcontact

But10%aremadeonthefourthcontact…

…leavingamassive80%ofsalesthataremadeonthefifthtotwelfthcontact!Surprised?Don’tbe!Thinkofyourownbuyingbehaviour–howoftendoyourespondtothefirst,secondoreventhirdcontactyouhavefromasalesperson?

Sohowdowetapintothisincred-ibleopportunity?It’sremarkablyeasy–youneedtocreateastruc-turedandconsistentfollowupsystem–aTouchSystem–tokeepintouchwithyourprospects.Infactnotjustyourprospectsbutyourcustomersaswell–iftheydon’thearfromyouregularlythenwhywouldyoubethefirstpersontocometomindwhentheyneedservicesorproductslikeyours?Whywouldn’tyourcompetitorshavebeencontactingthemandpersuadingthemtoswitch?

I’dliketoleaveyouwithanothercoupleofinsights…

Ifyouhavesoldtoacustomerandthey’venotboughtfromyouinthelast10weeks…andyou’venotcontactedthemduringthistime…theyaren’tacustomeranymore!

Keeping In Touch Pays Off!

BusinessCoach

ToaskRichardaQuestion,Pleaseemailhimat:

[email protected]

orvisitOlogyBusinessCoachingatwww.ologybusiness.com/richarddickinson/

LifeCoachAskTheExpert

Lisa MadariagaLisaisalifecoachofsomedistinction.Sheiswhatyoumightcalloneoflife’sachievers.Allowmetoexplain.LisaisaqualifiedBarristerandaCharteredAccountant.ShehasworkedaroundtheworldforbothNYSEandFTSE100companies.Thenoneday,inNovember2005,shecollapsedinherLondonof-fice.Notonlywassheunabletowork,butcouldbarelygetoutofbedfor5months.Asherhealthslowlyimproved,shewasabletoreevaluateherlife.Lisafoundthatwithheruniqueexperiencesoflife,shewasabletohelpoth-ers.SheretrainedandisnowalsoqualifiedwiththeInstituteofLeadershipandManagement,(ILM),asalifecoachandexecutivebusinesscoach.LisaisthefounderandtraineroftheFinanceCoachingAcademyofRSA,(formerlyRoyalandSunAlliance).Soontopublishaselfhelpbookforpeopleliving

withorrecoveringfromME,wearetrulyprivilegedtohaveLisacontributeforus.So,don’tbeshy,usethisfantasticopportunityandaskLisasomequestionsanddon’tmissherarticles,theymayjustchangeyourlife.

Thereisonethingthatwecanallsaywithabsolutecertainty,every-thing changes. Tomorrow will bedifferenttotodayandwewillnotbe the same person we are rightnowbynextyear.

So then, if change is life’s greatcertainty,whydosomanyofusdis-like change somuch, to thepointofavoidingit?Weallgetintoour“comfort zones” where we feelsafeand secure – itmaynotbeaniceplace,butitisourplace!

Individuals obviously react differ-ently to change. Recovery timesfrom a shock and celebrations forhappyeventsarefordifferentperi-odsoftimeandtovaryingintensitydependingontheindividual.

There are five accepted stages of

change: 1 denial, 2 anger, 3 bar-gaining,4depressionand5moving-on. Not all of us will experienceeverystage,someofusmaymovebackwardsand forwardsalong thecurveanumberoftimes.However,generallytheexperienceofchangecanbeillustratedasbelow.

After a “change event”, such ashearingwearetobemaderedun-dant,movinghouse,thebirthofachildorthelossofalovedone,theinitialreactionistoincreaseactiv-ity,toraiseourinputtotheworldgenerally.Wethenmoveontothemain5stages.

Change, Love it or Hate it?

LifeCoach

The denial phase is the initialstageofanindividual’sreactiontochange.Atthispointwearetryingto ignore what is happening, the“la la la I’mnot listening”phase.Weareallawareof someonewhohastriedtopretendthatachangeeventisnothappening.Thephras-es “just getting on with it” and“putting on a brave face” usuallyrelatetothisphase.

Thesecondphaseisthatofanger.Thisisusuallywhenwetrytofindsomeone or something to blamefor the change and our upset weareexperiencing.Weallhaveourown targets,ourparents,partner,children, god or boss are oftenscreamedatintheseperiods,“whyme???”and“It’sallyourfault!”

Thethirdphaseisthatofbargain-ing. At this point we attempt tomakeeverything rightbyagreeingto do something or give up some-thing so that we can alter thechangeeventtowhatwethinkwewant at that time. “God, I willgo to church next Sunday of onlyyou...” or “Mr. Jones, I will take

onextraclientsandworkovertimeifyoujustletmekeepmyjob”oreven“IfIdon’teatthatchocolatecake,thenmaybetheillnesswillgoaway”.Weareattemptingtotakeback control, which of course wecannotactuallydo.

Thedepressionthatoftendescendsinthefourthphaseisthestagemostpeople think of when consideringa“sad”changeevent;however, itcan also occur following a happyevent.Thesadness,powerlessnessand loss of hope can become all-pervasive.Weareallfamiliarwiththefeelingsoflossfollowingafail-uretopassanexam,orwinaprize,lossofalovedoneorafriend.Thegoodnewsisthatthisstageisveryseldompermanent (as in the caseofmissHavishaminGreatExpecta-tions)andthenextstageisahugereliefandpersonalvictoryandlib-erationwhenitarrives.

The fifth and final phase of thechangecurveistheacceptanceandmovingoninourlife.Atthispointwe have realised that we cannotsitandmopeforever,thatwemust

“It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change.”

~Author unknown, commonly misattributed to Charles Darwin

brush ourselves off and “get on”with our lives, hopefully with thenewlearningswehavegainedfol-lowingourchangeexperience.Weare ready to face theworldagainwith new, improved insight andcourage.

Understandingwhereweareinthechangecurveisagreathelpwhendealingwiththelifeeventsthatweall,inevitably,experience.Itdoesillustrate that there is hope in allsituationsandthelightattheendofthetunnelisnearerthanwemayimagineintimeofturmoil.

So, next time a change occurs inyour life, take a moment to stopand consider how you feel andwhereyouareonthechangecurve,awarenessifagreatweapon.

ToaskLisaaQuestion,Pleaseemailherat:

[email protected]

orvisitLisa’ssiteatwww.lisa4coaching.com

SolicitorAskTheExpert

Youmaynoticealittledifferencethismonth.Unfortunately,Bernadettewasunabletowritethismonthssectionoransweranyofyourquestions.WewouldliketothankKirwinsforstep-pinginlastminutetobringallofyouaninformativearticleandansweranyquestionsyoumayhave.

[email protected]

One characteristic of thedownturn in the propertymarket is a swing in thebalanceofpowertowards

buyers and business tenants in-volvedinleasenegotiations.

Inthelasttwelvemonths,wehaveseenageneraldeclineinnewbusi-ness tenancies coupled with anunfortunate but inevitable rise incommercial tenant insolvencies.Theresulthasbeenasignificantlyreduced demand for commercialproperty tenancies causing land-lordstosufferlowerrentalincomesand increased costs from holdingemptyproperties.

Simpleeconomicstellsusthatlowdemand coupled with high supplymoves scarcity power away fromlandlordsandintothehandsoften-ants.

Whilstitisinbothpartiesintereststo ensure that a tenant’s businesscontinuestotheendofthetenan-cy,thosetenantsshortlycomingto

theendoftheirexistingleasewhoare looking to renew or relocateholdtheupperhandinleasenego-tiations.

In particular tenants should beseeking competitive rents coupledwith favourable rent review pro-visions, rent free periods and ad-equate break clauses all of whichwillcontinuetobenefitabusinesslongintothefutureandbeyondthecurrentdownturn.

In our experience many landlordsare taking a realistic approach tothecurrentclimateandarework-ingwiththeirexistingandprospec-tivenewtenantsinordertosurvivetherecession.

Tenants should therefore be look-ingtotaketheleadinactiveleasenegotiations to take advantage ofincreasedflexibilityonthepartoflandlords and should be involvingtheir solicitors and other profes-sional advisors in the negotiationsin order to achieve the best pos-

siblelease.

Those looking at investing in thefreeholdofapropertyratherthantaking a lease should be wary oftitle matters that could have animpact on their future use of theproperty.

Buyers of freehold land are oftenshocked when they find out thatthere may still be restrictions onhowthatcanusetheirproperty.Onewayusecanberestrictedisasaresultofrestrictivecovenantsbe-ingimposedbypreviousowners.Many freehold properties are sub-jecttotheserestrictions,confusingpurchaserswhoexpect tobuy theland and buildings outright, ‘freefrom encumbrances’. However,thankstotheevolutionoflandlawover the years, buyers are at riskasownersareabletotransferlandsubjecttoanyofavarietyofrights,restrictions, obligations and evencharges.

The limitations caused by restric-

CommercialProperty:tipsforleaseholdersandfreeholders

Solicitortive covenants oftenmean that asimplecourseofaction,suchasex-tendingabuildingonfreeholdland,canbecostlyifthepropertyissub-ject to a covenant requiring con-sentforalterationsandadditions.Certaincovenantsareongoing,forexampletherestrictioncouldstatethat land should be used for onedwellinghouseonly,soifdevelop-ingthelandwastheintention,thiswouldbe inbreachof the restric-tion.

It is vital tocheck titledeedsbe-foresigninganycontracts. Apur-chaser’sfirststepshouldbetovisita solicitor so they can review thedeedsand identifyanycovenants,and consider the wording andcontext of the covenant to checkwhetheritisvalidandenforceable.Problemscanarisewhenthecove-nantappearsvalidandenforceableandthebuyer’sintendeduseofthepropertywillputhiminbreach.Itis importanttobeawarethatthiscan be the case even if planningpermission has been granted fortheintendeduse.However,ifsucha restrictive covenant is in place,solvingitisn’talwaysjustacaseofreachingforthechequebook.

Depending on the age of the cov-enantandthepartiestothedeedthat created it, one option is togo ahead and breach (or carry onbreaching) the covenant withoutmakingenquiriesoforalertingthepersonwhohas thebenefitof thecovenant. Clearly there is risk in-volvedinsuchastrategy.Themostcommonprotectionifchoosingsuchastrategyistoputinplacerestric-

tivecovenantindemnityinsurance,oftenforamodestpremium.

Alternativestrategiesincludeseek-ing the consent of the party ben-efitingfromthecovenant,orapply-ingtotheLandsTribunalorCourtsfordischargeormodificationofthecovenant. Bothcanbecostly,es-peciallyassuccesswithanapplica-tioncannotbeguaranteed.Theageofthecovenantandanychangeinthecharacteroftheneighborhoodsincethecovenantwasimposedarefactorsthatmaybetakenintocon-sideration in an application. Bearin mind that indemnity insurancewill almost certainly no longer beanoptiononcethepartybenefitingfromthecovenantisawareofthebreachorpotentialbreach.

Againitisworthinvolvingyourso-licitor at anearly stage as the is-sues involvedwith restrictivecov-enants are often technical andcomplicated,soitiscrucialtoseeklegaladviceatanearlystage.

JohnTusonHeadofCommercialPropertyKirwans

ToaskJohnaQuestion,Pleaseemailhimat:

[email protected]

orvisitKirwinsatwww.kirwinssolicitors.co.uk

TaxAccountantAskTheExpert

PatCobhamownsandrunsCobhams,taxconsultantsandaccountantsbasedinCrosby.PathasrecentlybeenhighlyrecommendedtoushereatYourBusinessE-Zine,butitwasonlyinthelastfewday’sbeforegoingtopublicationthatwewereabletomeetupandconfirmthatshewouldbeabletobeourexpertaccountant.Thisdidn’texactlygivePatmuchtimetoprepareapiecespecifi-callyforthee-zine,however,asPatisverymuchindemand,shehadrecentlywrittenanarticle for someoneelse that,after someminoralterations, shewasabletoletushave.SonextmonthwewillhavesomemoreinformationaboutPatherselfandCobham’staxconsultants,aswellasanarticlewrittenspecificallyforus.SoIwouldjustliketosaythankyoutoPatforrespondingsoquicklyandIhopeyou,thereader,findsthispieceinformativeanduseful.

Pat Cobham

If you are self-employed anda 40% tax payer it is good taxplanning to consider bringingtheaboveinaspartnersinthe

business. There should be goodcommercial justification for thepartnership. Note however thatit is only good tax planning if theotherpartnerhasunusedbasicrateband.Ensurethatyoucheckwithyouraccountant so thatheor shecancrunchthenumbersandadviseyouonthis.

Transferring Company Shares toSpouses/CivilPartners

Ifyouownacompanyitmaybetaxefficienttotransfersomesharestoyour spouse. Again it depends onindividualcircumstancesandsoad-viceshouldalwaysbetakenbeforedoinganything.

The Revenue do not like such ar-rangements which they call “in-

TTT–TopicalTaxTipsNo2

PartnershipswithSpouses/CivilPartnerscomeshifting”so,aswithpartner-ships, thereshouldbecommercialjustification fordoing this. Therehasbeenataxcasegoingthroughthe courts for a number of yearsknownasArcticSystems.Inanut-shell this involved an IT Consul-tancyfirmwerethehusbandwentoutanddidallthebusinessbuttheshares were split 50/50 betweenhimselfandhiswife.Shereceiveddividendsatbasicratewhereashewasa40%taxpayer.TheRevenuetookthecasebecausetheythoughtthatthearrangementwasartificialand that the sharesweregiven tothewifepurelytoexploitthebasicrateband.

ThecasewentrightuptotheHouseof Lords and the Revenue lost.However, this did not deter theRevenue and they announced thatthey would bring in legislation tostopsucharrangements. The leg-islationwasmeanttobebroughtin

withthisyear’sbudgetbutbecauseoftherecessiontheRevenuehavedelayed this. Hopefully the pro-posedlegislationwilldieadeathasitisdifficulttoseehowanylegis-lation in this area could bework-able.However,becauseofthis,itisvitaltogetadvicefromyourac-countant.

TransferofaTradeintoaLimitedCompany

If youareahigher rate taxpayerand retainprofits in yourbusinessthenyoumaywellbenefitfromin-corporation.Unincorporatedtrad-ers pay income tax and NationalInsurance Contributions. Direc-tors/shareholders of small ownermanaged companies generally paythemselves byway of a small sal-arywiththebalancebeingtakenasdividends.TherearenoNIcontri-butionsondividendshencethisisadirectsaving.Aswithmostthings

TaxAccountantthereareprosandconstoconsiderwhenlookingatincorporation,notleastofwhich isthefactthattheaccountancy costs will be higherwith a company because there ismoreworkrequired.Taxplanningis not “one size fits all” so againspeaktoyouraccountant.

Anotheraspecttolookatwhenin-corporating is actually selling thegoodwill of your business to theLimited Company. This can pro-duce a very tidy tax free sum fortheproprietorortheabilitytodrawmoneyoutofthecompanyatverylowtaxrates.Yetanothercomplexareaoftaxationsomakesureyoulookbeforeyouleap.

Disincorporation

Mytaxadvicehaschangedovertheyears because of course tax itselfkeepschanging.AfewyearsagoIwasgettingallmyclientstoincor-porate because of the low corpo-ration tax rates. However,corpo-ration tax rates are now going upwhilstincometaxratesarecomingdown slightly. Because of higherprofessional costs as mentionedabove I know look at my small-er companies to see whether weshouldopttodisincorporate.How-ever,ifyouareabuildingcontrac-toroperatingviaLimitedCompanythenthelastthingyoushoulddoistodisincorporate–moreaboutthisin the comingmonthswhen I talkaboutCISpenalties.

SalaryvDividends

Imentionedabovethatmostdirec-torsareownermanagedcompanies

pay themselvesa small salaryandtaketherestoftheirdrawingsviadividends.Youmaywonderwhyadirector should take any salary atall if dividends aremore tax effi-cient. There are two reasons forthis.TheremustbeasmallsalarygoingthroughpayrollandyearendPAYEreturnmadetotheRevenueforthedirector otherwisehewill notgethisNationalInsurance“stamp”–forthoseofusoldenoughtore-memberwhenweactuallydidgetarealstamp!Inotherwordsifthereisnosalarythentherearenotben-efitsentitlementsbuiltupforthatyear.DonotpanichoweverifyouknowyouaregettingasmallsalarybutarenotpayinganyNIcontribu-tion at all. It is because there isa nil rateband forNI purposes soprovidingyoursalaryfallsintothisbandthebenefitsareprotected.

Thesecondreasonforpayingasal-aryisinordertoutilisepersonalal-lowances.Personalallowancesarewasted if the only income is divi-dendincomesoagainpayingpurelybydividendsisnottaxefficient.

Havealookalsotoseewhetheryouaremakingthebestofthetaxal-lowances in relation to your com-panycar–seeabove.Ifyoukeepthecaroff thecompany thenyouhavepayall theexpenses in rela-tion to the car but you can claima mileage allowance for businessuse. Thiscanbeveryeffective ifyouhavealotofbusinessmileage.Themileagecurrentlyis40pforthefirst10,000milesand25pthereaf-ter.Thecompanygetsataxdeduc-tionforthis.

ToaskPataQuestion,Pleaseemailherat:

[email protected]

orvisitCobhamsatwww.cobhams.com

HumourConsultantAskTheExpert

StephanieDaviesDirectorandFounderofLaughology,StephanieDavieshasover10yearsexperi-enceworking in thepublicandprivate sectorwhichhasgainedheranunsur-passed reputation for designing and delivering laughter and humour interven-tionsforbusinesses,practitioners,clients,youngpeopleandadults.StephanieisrecognisedasoneoftheUK’sleadingvoicesinlaughterandhumour.ShewasrecentlyinvitedbytheUniversityofChestertodevelopanddelivertheUK’sfirstMAcourseinHumourintheWorkplaceandwillsooncompleteanMAonThePsy-chologicalBenefitsofLaughter,HumourandPersonalGrowth.

OnleavingLiverpool InstituteofPerformingArtsin2002shebeganperformingstand-upcomedy,firingherfascinationwiththepoweroflaughterandhumour.AfterattendingDrKataria’sLaughterLeadercourseStephaniewasacceptedasaparticipantinworld-renowned,DrPatchAdams’sHealthCareIntensiveTrainingintheUSA.SheworkedwithPatchexploringtherelationshipbetweenhealth,humour,communityandthearts.

Ontopofherbusytrainingschedule,Stephanieisoftenaskedtocontributetopopulartelevisionprogrammes,suchasTrisha,TheBankofMumandDad,BBC’sHeaven&EarthandITV’sStand-upJenny.SheisalsoaregularonBBCRadio

Humourisahumantraitre-quiring insight and intel-ligence and it often pro-vides us with perspective

and helps us get through stressfulsituations.Overthepastfewweeksmysenseofhumourhasbeentest-ed, with one precipitating eventafteranother,whichcausedmetoanalysemybehaviour and thebe-haviourofothersinsuchscenarioswhere “good humour” was neces-saryforkeepingcalm.Being a comedian I have alwayslooked for the humour in a situ-

ation and oftenfind that it is thetragedies in life that create thebestcomedymaterial. Ever sinceShakespeare wrote ‘A comedy oferrors’, a story about a series ofmishapswhichappearmore tragicthan funny, comedians have usedtheir own misfortunes in life tocreate wild tales that mirror theridiculous situations that life cansometimethrowatus.LastweekIhadmycartowedawayfor returning late to a parkingspaceandthenextdayIfoundmy-self on a replacement bus service

whenmytrainhadbeencancelled.IronicallyIhaddecidedtotakethetrain since the towing experienceasIwantedaneasierwaytotrav-el without the hassle of parking.The replacement bus broke downbeforewe even pulled out of thetrain stationwhichmeantwaitingover an hour for a ‘replacementbus’ for the replacement bus ser-vice. At thispoint Ibegan tobe-lieve that the comedy gods weretryingtosendmeamessagetogetsomenewmaterial.

It struck me that during times of

The humour being

HumourConsultantstresssomepeoplereactinsuchawaythatcausesthemtolosecon-trol.Duringthebroken-downtrainincidentonegentlemaninparticu-lar stood out as he became irate,shoutingatanyonewhowould lis-ten. He became quite distressedandreactedbybeingrudetooth-ers;notjusttherailstaffbutoth-er passengers who were trying tomake helpful suggestions. Aftermuch ranting, that funnilyenoughdidnotgethimanywhereanyfast-er,everyonebreathedasighofre-liefwhenheannouncedthathewasgettingataxiandthattheywouldreceiveabillfromhislawyer.Thejourneyhometooknearlytwohours,duringthistimeImetsomepleasant people and managed tohave a laugh about the situationon route, or not en-route as thecasewas.TheendresultwasthatIdidgethomealittlelaterthanIexpectedbutinonepieceandno-onehaddied.WellIhopenot,astheiratebusinessmandidseemhewasonthevergeofhavingaheart-attack.Once home I began to reflect -startingoutwithhavingtoretrievemy car from the compound. OfcourseIhadtopaytohavemycarreturned and I chose to be goodhumoured about this too. Aftermakingafewjokesaboutthesitu-ationtothemanincharge,hewasrathersurprisedthatIwasin“goodhumour”andevenquestionedme,stating that “not many peoplecome in here laughing and joking

love!” I wondered if people whodo behave angrily when they arenotgettingwhattheywant,getitanysoonerandhowtheymightfeelafterwards?I had not had a particularly goodweek,thoughIfeltfineandchosetolaughaboutitratherthanmakemy week worse by getting angryandstressedwhichcouldcausemeaheadacheandotherphysicaldis-easewhich I didn’twant. I evenlaughed out loud when I thoughtabout collecting my car from thecompoundandwasasked to iden-tify the car by naming five itemsin it. When I proceeded to say,steering wheel, radio etc...themandidn’tfinditfunnyasIwouldimaginehehasheardthesamejokemany times before. When I thenidentifiedfiveactualobjectsinthecar:Acrocodile,diablo,cuddlytoy(perksofrunningacompanycalledLaughology) I made a joke abouttheGenerationGame,whichmadethemansmileandhewasalsohelp-fultheningivingmeadviceonhowtoappeal.I am aware that sometimes wefindourselvesinsituationsthatwedon’twanttobeinanditcanmakeus angry, the important thing toremember iswedohavea choiceand I often hear people sayingthingslike“i’llbeabletolaughatthisoneday”,whynot laughat itinthepresentmoment,whyallowangerandfrustrationtomakeyoufeelworse?FormeIfeelluckytobe“goodhumoured”andyesitisa

skill,butaskillthatcanbelearnt.Humourissimplyawayoflookingattheworld,asystemforprocess-ing information andwe choose asindividualshowtoprocessthatin-formation.Averywisemanoncesaid tome,you catch more flies with honeythanyoudowithvinegar.Whatwisewords they were and somethingthathashelpedmetoalwaysactinapositiveandgoodhumouredway,thatcanleadtosolvingaproblemmorequicklyandwithoutyoufeel-inganyworse.Whenweareindif-ficultsituationsit’salwaysvalidtoaskyourself,willthismatterintwoweeks,twomonths,twoyearsanddidIgettheoutcomeIwanted?Formetheoutcomewastogetmycarback and get home. So next timeyou’reinadifficultsituation,takeastepback,thinkforaminuteandbe pro-active in your behaviourratherthanre-activeandyoumaybepleasantlysurprisedbytheout-come,oreventhejourneyittakesyouonandthepeopleyoumeetontheway.

AskStephanieaQuestionbyemailingherat:

[email protected]

Youcanvisitstephanieswebsiteatwww.laughology.com

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WARNING!!!! Over the next threemonthsmassesofMankeyMonkey’sare expected to invade Mersey-side. The Mersey is going monkeymad. We have had our top teamof reporters out and about tryingtotrackdownwhatiscausingthisamazingphenomenon.We have had reports that DerrenBrownhasbeenaroundtheMersey-side networking scene hypnotisinglocalbusinesspeopleforanupandcoming programme on channel 4about the latent primate tenden-cies in scouse humans, but thatturnedouttobecrap.WethenhadareportthatStephenSpielbergwasdoingaremakeofPlanetoftheApesandtheeverresourcefulandnevercamerashyliverpudlianswerepre-paringfortheirpartsasextras.Ac-tually that was utter rubbish too.Itseemsthateverywhereyouturninthiscity,peoplearetalkingmon-keys. I’ve heard about Livermon-key’s, Spanky Spangler monkey’s,Wag monkey’s, Sergeant Peppermonkey’s, Snowy monkey’s, Am-bassadormonkey’s,evenaScootermonkey. Someone then gave us atipoffthatEvanDavis,presenterofDragon’sDenwasheavilyinvolved,butthatjustturnedouttobeavi-sualcoincidence.

OursearchtookustoChurchStreetwhereweweretoldthatthisinva-sioncouldbesomethingtodowithalargenewstorethatopenedthereinthelastyear.Theonethatgivesoutthosebrownpaperbags,calledPrimates,butthat justturnedouttobeagrammaticalerror.Thiswashopeless, just one dead end af-teranother.IaskedsomelocalsinthecitycentrewhattheynewandtheysentmedowntotheLiverpoolCouncil Chambers; apparently itwas full of chimps.You just can’tseemtogetanyonetobeseriousinthis city.Then suddenly thebreakthrough I needed. I got an anony-mous call from Kevin Mulligan atCoreDesignGroup,hesaid;

“HiMark,how’sitgoing,beenawayanywherenice thisyear?”“Get tothepointKevin; I’minthemiddleof a serious investigation here”.“Ohok. Iwas just inmyoffice inthe Liver Buildings, doing somepretty drawings and stuff, when Ilookedoutofthewindowandsawthis huge banana boat tied up.I heard you were trying to trackdown someMankeyMonkey’s, so Ithought you might be interested.Theonly thing is, Idon’twantnotroublesee,sodon’ttellanyoneitwasmethattoldye,youaintseennothing right……..”. “Cheers Kev-in”.Ooooops.

I didn’t waste any time. I shotstraight over there with my topshooter, Franky the Flash and gotsometopshotsofthisbananabeau-ty at the Pier Head. We couldn’tgetneartheplace,butFrankyhadhis long lens which he bought es-pecially for camping out over theroadfromHollyWoodsflat.Ididn’tknowitatthetime,butthisturnedouttobeanotherimportantbreak-through.Justlookatthispicturehegotthatnight.Nowweweregettingsomewhere.Wefoundhowtheygothere, and now have photographicevidenceof their leader cavortingwithHollythesecretMankeyMon-keyloverWoods.

Further investigations led me toIAWHQinColquittStreet.Therewehadaveryinterestingconversationwitharat,SherRattobeprecise.Hedidn’twanttotalkatfirst,butthenFrankytheFlashhunghimoutofthetopfloorwindowandhesoonspilled the beans, plus the baconand eggs he’d had for breakfast.“ItwastheHoff”,hesaid.Aaahh,David the Hoff Hallangen, he wasbehind it all was he. “Where canI find The Hoff now”, I asked po-litely.“GetFrankytostopdanglingmeoutofthiswindowandI’lltellyou”.“Oh,ofcourse,sorry”.“He’sin the Bling building in Liverpool1. Under Herbert the Sherbert’splace. That’s the Mankey MonkeyHQ.You’llfindhimthere”.

WewaittillnightfallbeforewestarttosneakaroungMankeyMonkeyHQ.MyselfdressedinblackandFrankyTheFlashdressedasBatman(justhisexcusetowearthePVCithink).Wehavetowaittillpastmidnightbefore the streets are quite andalloftheSherbertKidshavegonehome. We approach the build-ing and sneak a peak through thewindowtofindcompletedarkness.Butonethingisforsure,wecouldsmellbananas.Thiswasit,Sher-ratdidn’t letusdown.WefoundtheMankeyMonkeyHQ.WehadtoactquickasthesmellofFactor5suncreamwas in the air so we knewthatTheHoffHallangenwasnottofaraway.

JustasFrankyTheflashwasabouttotakearunningleapatthedoortoforceitopenIrealizedthatthesecheeky monkeys might not knowhowtolockdoors.AsIopenedthedoorFrankyTheFlashFlashedpastmeinhisattempttogetintoMan-key monkey HQ. He disappearedintothedarknessthenmadeanal-mightyCRASH.Itookoutmytouchandfollowedhimin.IfoundFrankyonthefloorunderatableandapileofpapers.FrankyandIwerehor-rifiedtofindevidenceofwhattheMankeyMonkeyslooklikeandhowtheyplanon roaming the city un-noticed.

I turned to Franky The Flash andsaid;“Franky,doyouseethis?Thisdoesn’tlookgood”.Franky looked back and shook hishead. To this daywe have nevercome face to facewith a MankeyMonkey but we will be preparedwhenthatdaycomes.AllthatwecandonowisgobacktoYourBusi-nesseZineHQtoassessthephoto-graphs and sketches and monitorinternetactivity.

Weurgeyoutohelpustrackdownthe Mankey Monkeys by regularlycheckingvarioussourcesandloca-tions for cheeky and monkey likeactivity.

Hereisalisttogetyoustarted:

-HanoverStreet,LiverpoolOne

-www.mankeymonkey.com

-Facebookh t t p : / / w w w . f a c e b o o k .c o m / p a g e s / M a n k e y -Monkey/167310635773?ref=ts

-Twitterwww.twitter.com/mankeymonkey

Someof thebest things thathappentendtodojustthat,just happen. When com-panies do marketing or PR

campaigns, it can all seem, well,contrived.HereatYourBusinessE-Zineweworkverycloselywithandin supportofour localnetworkingorganisations. It was at one suchevent, Ian Denny’s Plus One Net-working, ( www.plus1networking.co.uk),thatIwasaskedtogivea10minutetalk,whichIdid,aboutthe psychology of how network-ingworks, (boring I know,but I’mquitesadlikethat),duringwhichIusedasmallcuddlytoymonkeyasaprop.Aftertheeventwasoveranumberofthedelegatesaskedmewhatthenameofthemonkeywas,towhich I replied, “I don’t know,why don’t you give him a name”,RachelBrownfromApproachSalesServices, ( www.approach-uk.com), interjected and suggested thatweshouldputhimonFacebookandsee who comes up with the bestname. That honour went to Da-vid Hallangen, of HallangenArt, (www.hallangen.co.uk ). After theMonkey was named through Face-book, something occurred to Da-vid. Given the response thismon-key had already got and the factthatamonkeyseemstorepresentthe fun and cheeky nature of the

people of Liverpool, why not seeif the business community aroundMerseysidewillgetbehindMankeymonkeyasacitywideartproject,similartoSuperLambBananas,butfor a very realistic andaffordableprice.TheanswerwasaresoundingYES.Craig,who’s inchargeofthesocialmediaandallthingstechni-calforthismagazine,setupaMan-keyMonkey fan page on facebookandalsoatwitteraccount.AsInowtype this article, Mankey Monkeyhasalmost750fansonfacebookaswell as his ownweb site courtesyof IAW, ( www.itsaboutwebsites.com).Everyonenowinvolvedintheproj-ect,atevery level isdoing it freeofcharge.Somearedonatingtimeandexpertise, othersmaterials orspace, but most important of allarethecompaniesthatarefoster-ing our little army of monkey’s.They are just £50 each. Each oneof them is being transformed intoauniqueworkofartbyDavidHal-langenandwillrepresentwhateveryourheartdesires,(almostanyway,theyaregoingtobeonpublicdis-play you know). A small percent-ageofthe£50istobedonatedtothe monkey enclosure at ChesterZooand the rest is going toAlderHey’s ImagineAppeal.Aftera few

www.mankeymonkey.com

monthsofbeingondisplay,eitherthe end of January or beginningof February, the monkeys will betakenbackandthenauctionedoffatourGrandCharityAuction,100%of the proceeds of which will gotoAlderHey. Therearecurrently3 main companies responsible forbringing the Mankey Monkey’s toMerseyside. They are Hallangenart,YourBusiness E-Zine and IAW.Othercompaniescurrentlyplayinga leading role areGrosvenor, (Do-natingourLiverpool1Blingbuild-ing Mankey Monkey HQ), Red HotWorld Buffet, (for being the Offi-cialMankeyMonkeyteamfeeders)andafewmorecompaniesthatareabout to confirm their support atthetimethis isbeingwrittenthatwewillbementioningnextmonth.Thereisnotmuchtimeleftinordertofosteramonkey.Sogotowww.mankeymonkey.comandfill in theformonthe frontpagetoexpressyour interest. Our Chief MonkeyAmbassador will contact you re-garding your requirements. Also,any company fostering a monkeywill get £100worth of advertisinginnextmonthseditionofYourBusi-nessE-Zineincludedwiththeir£50fosteringfee.

www.mankeymonkey.com

IN ASSOCIATION WITH

NOVEMBERNETWORKING

NETWORK WITH A BANG!

etworking In The CityNBusiness Networking


LIVERPOOL

CurryMANCHESTER

CurryCHESTERCurry

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NOVEMBERNETWORKING

NETWORK WITH A BANG!

YourBusinesseZineOut&AboutN e t w o r k i n gPlease send your pictures to [email protected]

JuiceNetworkingNewkidsontheblock,JuicenetworkingaretakingafreshandfruityapproachtotheMerseysidenet-workingscene.Withabright,lightandfocusedapproach,Juiceofficiallylaunchedon23rdSeptemberwiththeirlauncheventheldatHome,thecafé/baratWoodsideFerryTerminal.Theeventwasahugesuccess,witharound60businesspeopleattendingandJuicenow look forwardtogrowingthebrandacrosstheregion.WithplansalreadytosetupgroupsatHoylakeorWestKirby,LiverpoolandChester,thefuturelooksbrightandhealthyforjuice.

The5strongteamatJuiceconsistofJamesandMelPope,JohnFairbrother,JasonStephanidesandBeckiWilson.TalkingtoMelandtherestoftheteam,theyfelttherewasagapinthemarketthattheyweremorethanhappytofill.Withalighterandlessformalapproachtobreakfastnetworking,thereisstillasubstantialamountofbusinessdone.JuicemeetonceeveryfortnightatHomecafé/baronaWednesdayorThursdaybetween7and8-30am.Themeetingsarebrokendownintoeasilydigestiblesections,forexample,IntroJuice,LimeLight,Passion,Sliceofknowledge,PearUpandProduceSection.Attendingoneoftheseeventswillsurelyexceedyour5adayrequirementandsetyouupfortheweeksahead.

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Juiceisanetworkingclubthatbringsafreshandvibrant flavour to blending different people to-gether, in order to help businesses to grow andprosper.Juicehasa friendly,professionalanduniqueap-proachwherebythereareNOrules.Justonesim-plerequestwhichisthateachmemberattendsthemeetingswithazesttodemonstratecommitment.

Juice is about creating fresh opportunities... It’s about sowing the seeds and reaping the rewards.

www.juicenetworking.com

27th

http://www.google.com/calendar/embed?src=calendar%40yourbusinessezine.com&ctz=Europe/London

Due to the nature of networking events and the shear quantity, weareunable to listallof them in time for the releaseof theeZineastheymaynotofbeenconfirmed.So,wehavesetupapubliccalendaronGooglewhere theeventswill be kept up todate. Take a look...

Tonotifyusofaneventyoucanemailthedetailstoevents@yourbusinessezine.com

orCall08000432734Alternatively...

[email protected].

Clich Link Below

BSBNetworking

HollinsHeyHotel,Newbrighton,Wirral

0700hrs-0900hrsFullBSBMembers£9.50OnlineBSBMember£12.00Guests£12.00

http://www.bsbnetworkingclub.co.uk/Events/Event.aspx?EventId=215

Plus1Networking

AndersonsBar,Liverpool

1500hrs-1700hrsEntry£15(payondoor)contact:http://www.facebook.com/iandenny

http://www.plus1networking.co.uk/

OCTOBER

30th

3rdNOVEMBER

Business For Breakfast

BusinessforBreakfastisabusinessclubwhosekeyaimistohelpitsmemberssignificantlygrowtheirbusi-nessesthroughrelationshipmarketingandthepassingofqualifiedreferrals.WerunfortnightlymeetingsatlocationsinLiverpoolandWirral.

BusinessforBreakfastonlyallowsonepersonperindus-trysectortojoinaforum.Thiseffectivelypreventsanyofyourcompetitorsfromparticipating-soallthereferralbusinessforyourparticularindustryisyours.

WhynottakealookattheopportunitiesandbenefitsthatyourBusinessforBreakfastmembershipoffers?

BenefitsofBusinessNetworkingItisthemostcosteffectivewayofattractingnewclientsandgeneratingneworders.Itprovidesyouwithinvaluablecontactsthatgivesyourcompanyadramaticboost,regardlessofsizeorturnover.Itfreesupyourtime,reducesyouroverheadsandopensdoorstogreatsuccess.

GuestMembershipWewelcomeguestmembersregularlytoourmeetings.Itistheperfectopportunitytocomealongtochattoourmem-bersandlistentotheirrealexperiences.Itonlycosts£10tocomealongandweusuallyindulgeinagreatbreakfasttostarttheday!!

Findoutmoreabouteventsandvenuesorpleasecontactgrahame@bforb.co.ukorcallon07970896677toreserveyourseat(s).

Finish@5Fridays

ParrStreetStudios,ParrStreet,Liverpool

Time:5:00pm-8:00pmFREE

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OceanCreative

TheRoyal,FormbyStreet:LiverpoolRoad

Time:5:00pm-7:00pmFree

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OCTOBER

4thNOVEMBERNetinTheCity-LiverpoolCurryClub

MayurRestaurant,130Duke,StreetLiverpool,L15AG

1200hrs-1430hrsCost:£15.00/person

http://www.networkinginthecity.co.uk/



LIVERPOOL

CurryMANCHESTER

CurryCHESTERCurry

PRESTONCurry

11thNOVEMBERJuiceNetworking

HomeatWoodside,WoodsideFerryTerminal,Birkenhead,CH416DU

0700hrs-0830hrs£10Breakfast

Youcanregisteronline:http://www.juicenetworking.com/events.php

JuiceNetworking

HomeatWoodside,WoodsideFerryTerminal,Birkenhead,CH416DU

0700hrs-0830hrs£10Breakfast

Youcanregisteronline:http://www.juicenetworking.com/events.php

11thNOVEMBERSimplyNetworking

Malmaisonhotel,Liverpool

Capacity:50peopleCost:£10(onthedoor)

http://www.networking4business.com/liverpool-events.htm

12thNOVEMBER

OurNextEvent:AndersonsBar,ExchangeStreetEast(arightoffDaleStreetjustbeforeRoyalBankofScotland),LiverpoolCityCentre

27thOctober09|www.plus1networking.com

Phil the Fire Engine

It’s November. We all knowwhatthatmeans.Bonfirenight.Like most people, I love fireworks and for some strange

reason, bonfires. Perhaps it’s be-cause throughout history man hasused fire to cook his food, keephim warm and protect him frompredators.Throughourrecenthis-tory,thisvitalresourcehasbecomemore controlled and hidden fromview, just think how we heat ourhomes and cook our food in ourmodern so called civilised society,sowhilstthisingrainedfascinationremains,ourunderstandingandre-spectseemstohavewaned.Thisseemstobeespeciallysowithouradolescentpopulation.Itseemsthat each generation, having notbeenbroughtupwithusingfireonadailybasisforalloftheaforemen-tionedactivities,seemtodiscoveritforthemselvesintheirteens,andsometimeswithdevastatingconse-

quences. So,what todoabout it?Wellwecan’t reversethetechno-logicaladvancesofmankindinor-dertogetthesekidstogetusedtofirefromanearlyageanddevelopthat respect for it. So what’s thenextbest thing?Whenwe lived insmallertribalcommunities,theel-derswouldsitdownwiththeyouthandtellthemfantasticstoriesandsome scary ones too. We still dothistoday,itscallededucation.With the level of knowledge andunderstandingwenowhaveofthehuman psyche, why is it that oureducational resourcesare still be-ing deployed in the wrong areas.Allowmetoexplain.Firesareoftenset by mischievous 12 to 16 yearoldchildren.Sooureducationalre-sourcesarebeingfocusedontothisgroupinordertotryandstopthemfromdoingit.NowI’mnotsuggest-ingforoneminutethatthisshouldstopaltogether,butisn’tthatwhat

wewouldterminthebusinesscom-munityas“firefighting”.You see,their already there. They’re al-readyatthatstageofcuriosityandcapability.FrancisXavier isattrib-utedwithsaying,“givemethechilduntilhe issevenyearsoldand I’llgiveyoutheman”.Ifwestartwithour kids when they are at schoolstartingage,4yearsold,theyarealready at a stage were they canunderstand information they aregiven,especiallyinastoryformat.Information gained in these earlyyearsbecomesingrainedwithinourverybeing,that’swhyeventsofourchildhoodhavesuchaprofoundaf-fectontherestofourlives.Whatweneedisforsomeonewhohasbeenthereanddoneit.Some-one who has the experience, ex-pertiseandpassiontomakeadif-ference. Dave Fanning of MerseyFire and Safety may just be thatman………..

Phil the Fire Engine

DaveFanningjoinedthefireservice as a cadet at theageof16in1964.Through-outhiscareerhehasseen

manydistressingandoftenunnec-essarythings.In1985Daveattend-ed a fire were he recovered thebodyofan18montholdchildfromitscot.Thefirehadbeensetbya3 year old jealous sibling. As youcan imagine, an incident like thishasaprofoundaffectononeslife.ItwasafterthisincidentthatDavebegan to write children’s storieswith afire safetymessage.Whilstonnights,aftercomingbacktothestation from a call out, he woulddoodleaway.In1995hewroteandimplemented schemes for schoolsforthefireserviceandwasgivenanawardfromPrinceCharlesin1996forschemesforchildrenofallages.Between 1995 and 1999, whilstDave was running these schemes,therewasa50%reductioninfalsealarmsandsmallfires.Dave left the fire service in 1999andwhenhedid,theystoppedrun-ningthoseschemesintheschools.DavesetuphisowncompanycalledMerseyFireandSafety,werehead-visesothercompaniesontheirfiresafety, but the children’s storiesand passion to make a differencenever stopped. In 2006 he got hisfirst book published by RedwoodPress.Phil theFireEnginewasof-ficiallylaunched.PhiltheFireEngineisaimedat4to8yearolds. It isbasedontheen-ginehimselfhavingaseriesofad-ventures.Thereare4firepersonnelthat work with Phil called Roger,Rhani,RobertandRobin.Alloftheadventures that Phil has, not onlyraiseawareness,butalsocontainafiresafetymessage.Thebooksare

alsobeingusedintheburnsunitsofsome children’s hospitals. ClinicalNurse Specialist Kevin Ryan fromBoothHallBurnsUnitsays:“There are good educational andpreventative messages within thebookswhichpromptdiscussionwiththechildrenaboutthecircumstanc-esofthefiretheywereinvolvedin.Sometimes the children have realfearsandexperiencesomedegreeofpost traumatic stressandoftenare unwilling to talk about theirexperience. Phil the Fire Enginebooks are a useful tool in helpingthemopenupandtalkabouttheirexperiences”.As public sector budgets getsqueezedevertighter,itoftenfallstotheprivatesectortopickuptheslack.Itisthroughstory’slikeTheAdventuresofPhil theFireEnginethatthiscaneasesomeofthepres-suresoffthefireserviceandreallo-catetheirbudgetsintootherareas.Dave rememberswhen there usedto be 4 aerial units that coveredMerseyside,theyareunitsthatarecapableofgettingafirefighterupto100ftoffthegroundinordertofightfiresasopposedtothe30to40ftofastandardunit.Nowthereisonlyone.PhiltheFireEngineisactually endorsed by the Mersey-sideFireandRescueAuthority.So,what does the future hold forPhil the Fire Engine? Well, morebookstobepublishedisacertainty,butDavealsoneedsmoreexposureandabiggeruptake fromschools.Some national exposure wouldn’tgo amiss and who knows,maybea cartoon series on the TV. Afterall,preventionismuchbetterthancure,especiallygiventhenatureofthemessage,sometimescureisnotan option that is available to thevictimsoffire.

www.philthefireengine.com

LEADERSHIP

Vs.AVIS LUNDBERGPERSONELL MANAGERLIVERPOOL FC

All great companies, greatnations and even greatfootball clubs are built onthe foundationsof inspira-

tional leadership, total loyalty tothecause,andpeoplewhogotheextramilewithoutexpecting any-thing in return. I have met manypeopleonmyjourneythroughlifewhohaveliveduptothesehighestoforders.Butoverthe lastyear IhavemetandthenwitnessedallofthesefineattributesinaladyfromLiverpoolFootballClubcalledAvisLundberg. Avis is the PersonnelManagerat the club,andhas loy-allyserveditforover12changingand at times turbulent and suc-cessfulyears.Avis,Ibelieveistheunsungheroatthecub,sheworkstirelesslybehindthescenesinherrole, she is thought by many andmany more alike, as the numberonereasonthatmakesgreatclubsand companies achieve so muchsuccess.

It is for the above reasons why IhaveselectedAvisLundberg,tobethefirst person to be interviewedfor this magazine. This interviewrevealshowtrueLeadership,Busi-ness skills, loyalty fromstaff,andteam empowerment is conductedatthehighestandmostsuccessfullevel.So,sitback,learnandenjoythis remarkable woman’s insightsof what makes successful leaderstickandsucceed………..

Avis Lundberg began working forLiverpool Football Club 12 yearsago. She was the first person-nel manager to be employed atthe club,which just employed 72peopleatthetime.Now,12yearslater,theyemploy450peopleandAvis has been instrumental in thisgrowth, still heading up the clubsHRdepartment.

The first thing I wanted to findout from Avis was about change.

IN ACTION

Vs.JOHN HAYNES(EVERTONIAN)YOUR BUSINESS EZINE

All businesses have to deal withchange, sohowdoLFCdo it.Avissaidthatthefootballersattheclubgetverywelllookedafter.Theyareconstantly trained, coached andmentored. But this should be thesameforallofthestaff.Ifyougiveyour staff the skills, responsibilityand even accountability, theywillcopemuchbetterwithchangeandbeless likelyto leave.Oneofthebiggest changes they have had todealwithinrecenttimeswaswhenthe American and Canadian con-glomerateboughttheclubout2to3yearsago.Thishadthepotentialto causemajordisruptionandun-certaintyforthestaff,butbecauseof the back up and support fromthemanagementteamattheclub,much of the anxiety that couldhavebeenfelt,justdidn’thappen.This was fantastic, in my role asa trainer, I tell people every dayabout the importance of gainingnew skills and taking responsibil-

ity, but to hear someone likeAvisLundberg saying the same thing isinspiring.Soifdoingthesethingsispartofwhatmakesabusinesssuc-cessful, thenwhat does she thinkmakes companies fail. Well, inAvis’s opinion,many smaller com-panies get carried away with en-thusiasm, without doing enoughresearch. As she say’s “with anybusiness,thedevilisinthedetail”.The othermajor down fall peoplehaveisinaskingforhelp.Thereissomuch free help and advice outthereatthemoment,butquiteof-tenpeoplejustdon’tliketoask,orworse, areafraid to. So I supposethemessagehere isquiteclear. Ifyouarenotsure,JUSTASK!

One issue that many companiestendtostrugglewithisstaffreten-tion,butisthisanissuethatLiver-poolFootballClubhastoconsider?Avissaid,“Footballisfairlyuniquein this respect. The club is like a

seriesofminibusinessesallrunningunder the banner of football. Ev-eryoneistheretosupporttheteamandthisbringswithitastrongsenseofpride,statusorkudosandadefi-nitefeelingofconnectionwiththeclub.Therearenospecialprivileg-esforworkingatLFC,youdon’tgethigherwagesorspecialbenefits,infactit’sreallyhardworkandnotatall glamorous,but it’s justagoodplace tobe.We like to think thatwecommunicateverywellwithallofourstaffandthishelpstoelimi-nateChinesewhispers.Wealsoem-powerpeoplebymakingthempartof the decision making process.Acombination of all of these thingsmeans that the staff here at Liv-

erpoolFootballClubdotendtobelesslikelytoleave.

So,forapremierfootballclubwhoreallytakesthetimetolookaftertheirpeoplehaslessofastaffturn-over,howaboutrecruitingtheminthe first place, what’s the magicformula for this?Apparently therearenomagicformulas.Youcandoall the testing you like, but thereis no substitute for sitting downwith someone and actually listen-ing to what they are saying. Theinterviews are usually held in thecorporateboxesatAnfieldasthisisusuallythequietestplacethrough-out theweek.Wewant, over thecourseofafewinterviews,forthe

manager doing the interview andthecandidate,toreallyunderstandeach other. We look for honestyinpeople.Provided theyhave therelevantskillstodothejob,itallcomes down to personality afterthat. Something I hadn’t consid-eredbeforespeakingtoAvisaboutthiswaswhetheritisactuallyben-eficial for someone tobea fanoftheclub.Asitturnsout,theanswerwasnotwhatIwasexpecting.Yousee, it all depends on what theirjobwillactuallybewithintheclub.Ifforexampleyouweregoingtobeemployed at Melwood, the clubstraining ground, itwouldn’t do tobe a big fan, because the playersare wandering about all day longand people get a bit star struckanddon’tendupgettinganyworkdone.Sointhatsituation,indiffer-ence to the game would actuallybe an advantage. Alternatively, ifyouweregoingforapublicfacingjob,anextremeexampleofwhichwould be a tour guide at the sta-dium,thenbeingahugefanwoulddefinitelybebeneficial.

As a respected business leader, IwantedtoknowwhatAvisthoughtwere the qualities of leadership.With no hesitation Avis quicklyreeled off, communication, com-mitment, empathy and vision. Ev-eryone within the organisation isimportant and they must feel so.Sometimes, as people climb thecorporateladder,theyforgetwhatit’slikeonthelowerrungsandthatjustisn’tgoodleadership.Youneedtobeableto inspirethosearoundyouandthen,very important,de-liveronwhatyoupromise.

Sohowisthestaffaffectedbytheteam’s performance on the pitch,both winning and losing? Wouldthat make any difference to thepeopleworkingattheclub,besidesthe fact that they may be sup-portersthemselves.Onthewhole,it turns out that the staff prettymuchgettheirheadsdownandgetonwiththeirjobs,butasthisisasportwerethefansaresopassion-ate,thisalsomeanstheyareveryreactive. If the teamwins for ex-

ample,theshopwillbeverybusy,butiftheylose,theshopbecomesveryquiet,butthecomplaintsde-partment becomes busy. If thereisawinningstreak,theneveryoneseemstogetbusy.

How about the current mediaspeculation over the ownership oftheclub,howdoesthisaffectthemood amongst the people there?“Itisverydifficult.Again,commu-nication is the key here.Wehavegonethroughlotsofchangebefore,butwejustneedtohookontothepositives.Peoplecanbecomepara-noid,butlittlethingscanliftspir-its.It’suptoallofustobeasopenaspossible”.

Liverpool Football club is a worldrenownedbrand.Thisissomethingthat Avis originally underestimat-ed.Nowtheyarefurtherdevelop-ing that brand with partnershipsallovertheworld.Ofcoursetheyneed towinon thepitch inordertoattractthesortsofpartnershipstheywouldlike,butthespiritandfocuseddeterminationof theclubisasstrongasever,whichisdowntoawelltrainedandloyalteamofhundreds thatwe don’t see everyweek, but are there, day in dayout,makingitallpossible.

WellthankyouAvis, Iamsureourthousands of readers will takegreatheartandlearningfromyourin-depthinsightofhowsuccessfullyyouconductyourresponsibilitiesonadailybasis.Youareatruly loyalandgreatAmbassadorfortheclub.Soreaders,orshould Isaymyen-trepreneur guerrilla fighters, letslearnfromAvis,beinspiredbyAvis,andthenconductourownbusiness-es, be a role model and developourownpeople,justlikeLiverpoolFootballs Clubs behind the scenesinspirational driving force, AvisLundberg.

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