Alternative Investment Advice enters collaboration with a major financial institution in the city helping global businesses secure CER carbon credits before 2012.

Alternative investment advice is happy to announce that they have secured an agreement with a major financial institution; the agreement has been put in place to work with project developers who could be entitled to receive CER carbon credits. There are a number of projects that could potentially miss out on the certificates due to policy change by the end of 2012.

CER carbon credits are already being exchanged on a number of world traded markets, the spot price for the commodity has varied in recent years. The CER’s are currently being traded around €3.50; many worldwide projects could be given millions of credits on a pre-issue basis. The agreement has been put in place to help and assist the owners of these projects in order to secure the credits, the financial institution is happy to purchase these credits on a pre-issue basis for an agreed price. Alternative investment advice would be happy to speak with any project owner/developer relating to this matter. Contact Callum Clarke on info@alternativeinvestmentadvice.co.uk

You may have come across several top ten lists, discussing the best places for real estate investments and found a variation between different lists. Destination number one in our list may not even figure in others. Of course, the sources conducting the survey/study would have set unique criteria to identify the investment hotspots.

The ground reality is that real estate investors look for exciting opportunities in emerging markets, where there is potential for high future returns, as well as developed markets that have remained safe investment havens through the recession. This top ten list identifies these gems:

1. Istanbul- this Turkish city was rated as a top city for real estate development and acquisition last year. The Euro zone turmoil is not expected to affect property in Istanbul and investment prospects are forecasted to be good. For the record, Istanbul’s property market remained stable through the 2009 global financial crisis. Foreign Direct Investment in Istanbul property during 2011′s second quarter was close to $200 million while property sales were estimated to be $781 million over the same period. What makes the city track? It’s lively with about 15 million inhabitants and home to several cultural and historic sites.

2. Canada- From ski chalets and timber lodges to private cabins and a slew of holiday and other real estate properties for sale, Canada is an excellent investment destination. Unlike neighbour united states, Canada has a stable housing market, with home prices and sales continuing their strong momentum over the last decade. Eastern Canada remains popular with brits thanks to its relative proximity (a 5-7 hour air journey)

3. Sao Paulo- An emerging real estate market, brazil’s biggest city Sao Paulo has enjoyed sustained economic growth, rapid population and income growth, and increase consumer spending. The 2016 Olympics and 2014 World Cup in Brazil are global-scale events that are expected to further thrust the city in the limelight. Many real estate development projects in collaboration was state municipalities will also present opportunities for overseas privates investors. 4. Warsaw- Poland’s Human Development Index has been robust since its communist days ended, and now, its capital city-Warsaw- is fast attraction the attention of global real estate investors. Warsaw is a growing business hub, its residential property market is undervalues and its commercial returns have witnesses an up tick.

5. Berlin- Germanys capital city, despite enjoying a high quality of living and a strong local economy, has undervalued residential property, presenting opportunities for real estate investor. Its steady commercial returns (capital values and income returns) and growing rents are other positives for buying property in Berlin.

6. Mauritius- a popular holiday destination, Mauritius is now open to foreign investors thanks to government initiatives. Besides the obvious beauty of this island and upcoming real estate development projects, including beachfront complexes, Brits can take advantage of the financial perks on offer. On purchase of apartments or villas for £310,000 or more in designated zones, you can become a Mauritian resident and enjoy lower business and personal taxes.

7. Hong Kong- The residential, retail and office sectors are growing at breakneck speed, with commercial property returns being too good to pass up.

8. Sofia- That the real estate market in Sofia, Bulgaria’s capital city is recovering after depressed property prices across retail and residential sectors, with forecasts of stable future growth, are all promising signs for global investors.

9. Bucharest- A growing business hub, Bucharest has witnessed robust commercial growth in the warehouse and office sectors, making it an attractive investment proposition.

10. Budapest- like Bucharest, Budapest’s commercial sector is buzzing, and its residential property is also undervalued. There are many more emerging real estate investment hotspots that promise attractive gains to investors with the means and risk appetite for purchasing overseas properties. But the ten listed above are chart-toppers in their own right.

http://www.alternativeinvestmentadvice.co.uk

London, England – In an effort to honour its customers and Facebook fans, QuickQuid, the UK’s premier short-term online lender, is hosting a Fan Appreciation Week on its Facebook page. The seven-day celebration will feature a unique promo code every day, posted exclusively on Facebook.

“With Fan Appreciation Week, we wanted to emphasise that at QuickQuid, the customer is king,” says Nicole Cillette, Social Media Marketing associate at QuickQuid. “So our fans are getting the royal treatment with extra savings all week long.”

To find the promo codes, participants must ‘Like’ QuickQuid on Facebook and view the Promo Code section of the QuickQuid Facebook page. The celebration will run from 7 – 13 May.

For more information, please visit www.facebook.com/QuickQuid.

• Membership of the Friendly Society now exceeds 1.75 million, almost double the number five years ago
• Acquisition of Governor Money has diversified offering to savers Family Investments, leading supplier of financial solutions for the family, today reported a 35% increase in operating profit as it released its annual results for the twelve months ending 31st December 2011. Profits rose to over £14.5 million compared to £10.7 million the previous year.

The Brighton-based mutual also reported that funds under management now stand at £3.5 billion. Membership numbers also continued to grow and now exceed 1.75 million, almost double the number five years ago making Family Investments the largest friendly society by membership. Total payments to members reached a record high of £693 million. These strong results have been driven by success in the children’s savings market and continued growth in adult ISA savings through the successful partnership with the Post Office. Family Investments was also one of the first providers to offer a Junior ISA when it launched on 1st November 2011. Since then over 10,000 accounts have been opened with particularly strong demand coming from existing Child Trust Fund (CTF) holders, highlighting parents’ desire to make equal provisions for siblings who may have missed out on the CTF.

During 2011, Family Investments also acquired Governor Money an online cash savings platform. Governor Money lets savers manage their money better by giving access to competitive savings rates from a range of banks and building societies with just one secure account. This acquisition helps diversify Family Investments’ offering to savers and is a key part of the business’ growth strategy. John Reeve, Chief Executive of Family Investments said: “I’m delighted that we have been able to deliver another strong set of results in the face of a challenging operating environment. “The launch of the Junior Isa was a key milestone for us in 2011. Without the introduction to saving afforded by the CTF voucher the market for the Junior Isa is likely to be smaller and more expensive to operate than its predecessor. However, we believe it is important for a children’s savings product to be affordable for all and to offer Junior Isa customers the same level of service we offer CTF customers. This is why we have set our minimum premium at £10 per month to ensure that the Junior ISA is available to as many families as possible.

“Technology is allowing financial service providers to offer innovative new products to their customers and our acquisition of Governor Money is an illustration of this trend. Governor Money is a brand new cash savings platform very much aligned to savers’ needs, taking the hard work out of saving by allowing customers to manage money with multiple deposit takers from one single account.” You can access the full report and accounts at the following link: www.familyinvestments.co.uk/member-information/

London, England – Pounds to Pocket, a fully licensed lender of unsecured personal loans in the UK, is launching a Career Advancement Contest that will award 20 winners £300 gift vouchers to be used toward a vocational course of their choice. The contest will run from 25 April – 25 May.

“We’re excited about our upcoming ‘Career Advancement Contest’ and the opportunity to help people advance their careers, explore new professions or simply take on new hobbies,” Alex King, SVP of Operations, said.
To enter, contestants will have to submit a 200-word essay explaining what vocational course they would like to take and why. Vocational courses can range from learning hairdressing skills to refining one’s computer abilities. After submitting their essay, contestants will be encouraged to promote it on Facebook as the 20 winners will be chosen based on quality and the number of ‘likes’ their essay receives.

For more information, please visit http://www.poundstopocket.co.uk/pound-place/career-advancement-contest.

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About Pounds to Pocket:

As part of the Enova family of companies, Pounds to Pocket is the premier online 12 month loan provider in the UK. Pounds to Pocket is committed to providing customers with fast, convenient and straightforward unsecured loans. As a fully licensed lender in the United Kingdom and member of the Consumer Finance Association (CFA), Pounds to Pocket is dedicated to responsible lending practices and strives to meet the unique needs of all its customers. For more information, please visit http://www.PoundstoPocket.co.uk.

Current financial news points to the 2012/13 financial year being another tough one for small and medium enterprises. Since October 2009, according to the Bank of England, lending to SMEs has fallen every year. Latest insolvency statistics released by The Insolvency Service show 4,260 company insolvencies in the last quarter of 2011, a rise of 7.2% on the same period a year ago with compulsory liquidations increasing a staggering 16.1% . Only the fittest will survive and remain profitable. Daniels Silverman are urging businesses everywhere to undertake a full credit review and overhaul of internal credit processes to ensure a successful future and avoid becoming one of the above statistics.

Carole Hughes, managing director, Daniels Silverman, says: “We have seen a 18% increase in the number of enquiries from businesses seeking to recover unpaid debts and overdue accounts. Many problems could have been averted by companies reviewing and overhauling their internal credit control procedures. By making simple changes to their credit control procedures such as how and when they grant credit and reviewing how they chase unpaid invoices, a company can boost cash-flow and drastically reduce it’s bad debt provision.”
Key areas to review are:-
• How credit limits are set and monitored
• Internal dunning cycles and collection strategies
• Terms and conditions of trading, and
• The use of third party debt collection agencies to resolve problem accounts

The Government’s current attempts to help SMEs boost trading and profitability do not go far enough, and business owners need to ensure they do everything they can to help themselves.

Whether a high flying businessperson or a factory worker, your income is probably by far the most important investment you or any other individual can make. After all, without it will leave you vulnerable and in a strong position of financial hardship if the worst was to happen. Not just drastically changing your everyday lifestyle but affecting those around you that would need to adjust to offer the care and assistance required to make the affected individuals life as comfortable as possible. There is much to be said about life these days, where money plays such an important factor in the mere existence of so many people across the world. We are brought up to know that without money or some sort of income, it is very difficult to maintain a good lifestyle within westernised worlds, with only a few nomadic areas of the world left, where currency is that other than coins and notes and indigenous tribes remain self contained, growing their own foods and living a simple, yet rewarding life.

The fact is financial security is key to so many individual’s happiness and having a policy that can cover your income is most definitely a worthy consideration to make, perhaps not just to benefit yourself as an individual but also for your immediate family of spouse as they will be left with the pressure of a lost income, after all losing half of a family’s income can have disastrous effects, especially within the current economic state that the UK and many other parts of the globe have been experiencing. Unless for a very small minority, an individual has no financial worries and more than enough capital to maintain their lifestyle, such as premier league footballers and film stars, certain considerations need to be made such as downsizing on a property, selling off treasured items and considering a possible house sale if things became too much. The average income protection policy is designed to offer a claimant not a onetime cash lump sum but instead a large percentage of their current salary or earnings. Paying out a set amount each month until either the end of the contract, if the individual becomes better and finds that they can work again or the age of retirement arrives; Income Protection Insurance really can be worth its weight in gold. It can allow for the peace of mind and rest assurance that if suffering a serious personal mishap in any shape or form, experiencing a disabling accident such as a high fall or being involved in an industrial accident.

There are plans that can also cover against redundancies too, however these are difficult to find due to the rising levels of unemployment here within the UK. Income Protection Insurance is one company that offers accident and illness income protection, sourcing the best policies that can be tailored to the needs of individuals and if so necessary also their children and partners too. Policies can be taken out by employers to act as a voluntary contribution for employees to take out, covering them in case they suffer an accident of sickness within the workplace.

On hand to answer questions regarding the levels of benefits that are attainable for you when taking out a policy, discover the excellent coverage that you can receive within a bespoke package or insurance policy and allow the experts to arrange the best possible cover for you, your employees or your family.

A number of mothers are getting into debt as soon as their babies are born due to taking maternity leave, according to a recent survey. Findings by uSwitch reveal that money troubles play heavily on a new mum’s mind and that 11% are ending their maternity leave early simply to boost their finances.

The survey found that around a third of women on childbearing leave had gone into the red and on average raked up to £2,500 in debts. Only 25% of those surveyed felt financially prepared for motherhood but on average the monthly household income had dropped from £2,866 to £1,654 whilst the female was off work.

A pay cut alongside rising energy bills, food and petrol prices as well as an increase in VAT is leaving many new mums feeling the pinch. Purse strings are tight from many Brits during tough economic times and the pressures faced by families is overstated.

The survey suggests that women are either being forced back to work early to save the pennies, or going into debt so they can bond with their newborn. 10% of those surveyed said they had borrowed money from a family member or friend; and 14% resorted to loans, overdrafts and credit cards to keep their heads above water.

If you are looking for expert debt advice, speak to the professionals today at Debt Free Me for no obligation assistance and debt solutions. Whatever your individual circumstances, there will be a debt solution that’s right for you be it a debt relief order, debt management plan or arrangement scheme. Further possibilities include bankruptcy, an individual voluntary arrangement or a county court administration order.

So visit the professionals today if you are not sure where else to turn. As founding members of the Debt Resolution Forum, rest assured all advice will be honest and confidential. Don’t get any deeper into debt.

ENDS

London, England – Pounds to Pocket, a fully licensed lender of 12 month loans in the UK, has been nominated as a finalist for Alternative Lender of the Year for the 2012 Credit Today Awards. This marks the first time that Pounds to Pocket has been nominated as a finalist for this award, which recognises organisations that have displayed innovation in the departments of credit risk or management, contributions to the cause of better business and credit practices, and exemplary customer and client satisfaction. CashEuroNetUK, LLC operates Pounds to Pocket and was nominated as a finalist for the title of Responsible Lender of the Year in 2011.

“We are honoured that Pounds to Pocket has been recognised by Credit Today as a finalist for Alternative Lender of the Year,” Alex King, SVP of Operations, said. “At Pounds to Pocket, we are committed to providing quality service and availability of 12 month unsecured loans. We understand that many Britons are struggling to get access to loans. At Pounds to Pocket, we aim to provide a simple online application process whereby customers can have their funds transferred to their bank account within 10 minutes of approval.”

Now in its 13th year, the 2012 Credit Today Awards will take place 10 May 2012 at London’s Grosvenor House. For more information, please visit www.credittodayawards.co.uk.

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About Pounds to Pocket:

Pounds to Pocket is the premier online personal loan provider in the UK. Pounds to Pocket is committed to providing customers with fast, convenient and straightforward unsecured loans. As a fully licensed lender in the United Kingdom and member of the Consumer Finance Association (CFA), Pounds to Pocket is dedicated to responsible lending practices and strives to meet the unique needs of all its customers. For more information, please visit PoundstoPocket.co.uk.

Once approved, funds will be sent to your account within 10 minutes. All loans are subject to status, affordability and credit checks prior to approval. Terms and Conditions apply. Applicants must be 18 or over.

Reliable UK-based payday lending company provides online service to customers in need of instant financial support. Direct payday lenders participating in the wide network of the Britain Loans company perform payday loans UK with no credit check, making it possible for individuals with bad credit to apply for the service and get their approval. Hence, persons trying to find handy and quick way of obtaining wage day advance should consider fast cash loans provided online. BritainLoans.co.uk is a site belonging to the company and with its help customers have a possibility to acquire some cash for unexpected financial emergencies with no need to leave their home or office. UK payday loans online are offered by the company so that applicants may get monetary assistance until their next paycheck. A lot of short term monetary costs may occur unexpectedly, nevertheless there is a great solution that can prevent additional penalties and fees for delayed payments to occur. Mostly, online payday advance loans are advantageous in urgent situations needing additional amount of money. These types of no credit check loans performed by the company participate in the category of unsecured short term loans and thus they can be properly used for unexpected reasons.

Owing to the creation of online lending services people do not look for the local payday loan shops anymore. All the person need in order to apply for a cash loan online is to turn on his/her computer, find the company’s website and fill the easy application form in with his/her short personal and financial information. There is no perception to leave cozy chair to obtain expert financial assistance. Nowadays it is much easier to obtain loans for people with bad credit on the Internet through the web site of company. Payday loan lenders receive the submitted forms instantly and make their credit decisions in a matter of a few minutes.

With the current tough economy situation many people have less-than-perfect credit rating and the consumer demand for payday loans online is rather high. Payday lenders not brokers working with the Britain Loans company perform minimum requirements which make it possible even for bad credit borrowers to qualify for wage day advance without any obstacles. By the way, these basic qualification criteria make it possible for the company to make the service really fast. As well as rejected credit checks, the payday lending company doesn’t require any paperwork. This means that applicants desiring to get pounds till payday with the company don’t have to send their personal and financial documents by fax. This feature will save a lot of time and make the method of applying really easy. Moreover, owing to the fast online procedures, money transactions could be handled quickly; therefore, applicants get access to the required funds the same day time getting the money into their particular bank account.