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		<title><![CDATA[UK Business Forum - UK Business Chat - All Forums]]></title>
		<link>http://www.ukbusinesschat.co.uk/</link>
		<description><![CDATA[UK Business Forum - UK Business Chat - http://www.ukbusinesschat.co.uk]]></description>
		<pubDate>Wed, 10 Mar 2010 18:23:29 +0000</pubDate>
		<generator>MyBB</generator>
		<item>
			<title><![CDATA[New Jewellery &#x26; Accessories Business!!]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=893</link>
			<pubDate>Tue, 09 Mar 2010 11:21:17 +0000</pubDate>
			<dc:creator>Cherry Rocks</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=893</guid>
			<description><![CDATA[Hi Everyone,<br />
<br />
I've recently started an online Jewellery &#x26; Accessories company. (<a href="http://www.cherryrocks.co.uk" target="_blank">http://www.cherryrocks.co.uk</a>) Where based in Northern Ireland and have ranges suitable for Men, Women &#x26; Children.  Have a look!<br />
<br />
Thanks]]></description>
			<content:encoded><![CDATA[Hi Everyone,<br />
<br />
I've recently started an online Jewellery & Accessories company. (<a href="http://www.cherryrocks.co.uk" target="_blank">http://www.cherryrocks.co.uk</a>) Where based in Northern Ireland and have ranges suitable for Men, Women & Children.  Have a look!<br />
<br />
Thanks]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[wanting to become my own salesman need advice etc]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=892</link>
			<pubDate>Fri, 05 Mar 2010 16:23:25 +0000</pubDate>
			<dc:creator>seanridout</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=892</guid>
			<description><![CDATA[right well basically ive been working for a company that makes me a door to door/on phones salesman so i know the ins and outs of what to do i also know its all commision based but the place were i got to go is too far to start work and makes me work all in all with trave 12-13hours a day mon-fri so i was trying to find out how i could start my own kinda buisness like that theyve got sky talk talk and npower singned up with them thats there products they can sell i dont want to hire anyone i just want to be my own personal sales man i can make more money off commision etc i was wondering how do i go about achieveing this gettin companys like sky etc to let me sell there products etc for them anyone got any ideas?]]></description>
			<content:encoded><![CDATA[right well basically ive been working for a company that makes me a door to door/on phones salesman so i know the ins and outs of what to do i also know its all commision based but the place were i got to go is too far to start work and makes me work all in all with trave 12-13hours a day mon-fri so i was trying to find out how i could start my own kinda buisness like that theyve got sky talk talk and npower singned up with them thats there products they can sell i dont want to hire anyone i just want to be my own personal sales man i can make more money off commision etc i was wondering how do i go about achieveing this gettin companys like sky etc to let me sell there products etc for them anyone got any ideas?]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[im looking to become my own salesman need advice please]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=891</link>
			<pubDate>Fri, 05 Mar 2010 16:22:08 +0000</pubDate>
			<dc:creator>seanridout</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=891</guid>
			<description><![CDATA[right well basically ive been working for a company that makes me a door to door/on phones salesman so i know the ins and outs of what to do i also know its all commision based but the place were i got to go is too far to start work and makes me work all in all with trave 12-13hours a day mon-fri so i was trying to find out how i could start my own kinda buisness like that theyve got sky talk talk and npower singned up with them thats there products they can sell i dont want to hire anyone i just want to be my own personal sales man i can make more money off commision etc i was wondering how do i go about achieveing this gettin companys like sky etc to let me sell there products etc for them anyone got any ideas?]]></description>
			<content:encoded><![CDATA[right well basically ive been working for a company that makes me a door to door/on phones salesman so i know the ins and outs of what to do i also know its all commision based but the place were i got to go is too far to start work and makes me work all in all with trave 12-13hours a day mon-fri so i was trying to find out how i could start my own kinda buisness like that theyve got sky talk talk and npower singned up with them thats there products they can sell i dont want to hire anyone i just want to be my own personal sales man i can make more money off commision etc i was wondering how do i go about achieveing this gettin companys like sky etc to let me sell there products etc for them anyone got any ideas?]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[SEO techniques 2010]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=888</link>
			<pubDate>Wed, 24 Feb 2010 10:55:19 +0000</pubDate>
			<dc:creator>jacksonp</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=888</guid>
			<description><![CDATA[Well we all now aware about the basic and common techniques regarding to seo,Here I am sharing new and latest results which are found recently and perhaps not so popular..<br />
Content Creation<br />
Social Media<br />
Real Time Search<br />
Indexation and Crawl Frequency<br />
Manage Outbound Links]]></description>
			<content:encoded><![CDATA[Well we all now aware about the basic and common techniques regarding to seo,Here I am sharing new and latest results which are found recently and perhaps not so popular..<br />
Content Creation<br />
Social Media<br />
Real Time Search<br />
Indexation and Crawl Frequency<br />
Manage Outbound Links]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Keyword Selection]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=887</link>
			<pubDate>Wed, 24 Feb 2010 10:54:28 +0000</pubDate>
			<dc:creator>jacksonp</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=887</guid>
			<description><![CDATA[Keyword Selection for Search Engine Optimization<br />
As we all know that keyword plays the most important role in search Engine Optimization.Well Here I am sharing some tips which I have concluded from my experience..<br />
<br />
Get realistic estimate of keyword popularity<br />
Don't Pick Single Word Phrases<br />
Evaluate the competition<br />
Choose Specific but Not Popular Keywords<br />
Constantly Change Your Keywords]]></description>
			<content:encoded><![CDATA[Keyword Selection for Search Engine Optimization<br />
As we all know that keyword plays the most important role in search Engine Optimization.Well Here I am sharing some tips which I have concluded from my experience..<br />
<br />
Get realistic estimate of keyword popularity<br />
Don't Pick Single Word Phrases<br />
Evaluate the competition<br />
Choose Specific but Not Popular Keywords<br />
Constantly Change Your Keywords]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Magazines For SEO]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=886</link>
			<pubDate>Wed, 24 Feb 2010 10:52:40 +0000</pubDate>
			<dc:creator>jacksonp</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=886</guid>
			<description><![CDATA[So friends,These are some top magazines whre you can get latest updates and lates formulas for SEO.<br />
Try to look for these regularly,it may helps you a lot..<br />
<br />
Business Week Magazine<br />
B2B Marketing<br />
Search Marketing Standard Magazine<br />
Domainer's Magazine<br />
Target Marketing<br />
Direct<br />
Website Magazine]]></description>
			<content:encoded><![CDATA[So friends,These are some top magazines whre you can get latest updates and lates formulas for SEO.<br />
Try to look for these regularly,it may helps you a lot..<br />
<br />
Business Week Magazine<br />
B2B Marketing<br />
Search Marketing Standard Magazine<br />
Domainer's Magazine<br />
Target Marketing<br />
Direct<br />
Website Magazine]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Do you know your Fire Door Safety responsibility?]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=885</link>
			<pubDate>Mon, 22 Feb 2010 09:25:55 +0000</pubDate>
			<dc:creator>BWF-CERTIFIRE</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=885</guid>
			<description><![CDATA[Hi All,<br />
<br />
I hope it is OK to start a topic about fire safety and fire doors in particular. I think the BWF-CERTIFIRE scheme will be of interest to many of you here, but if there is a more appropriate place for the post do let me know.<br />
<br />
A fire door spends most of its life as just a door, but with thousands of property fires each year, we need to remember it is also a crucial safety device. There remains however a lack of understanding of fire doors and how they work, even amongst those responsible for specifying, buying, installing or inspecting them.<br />
<br />
BWF-CERTIFIRE has been providing fire safety advice for over a decade and is the largest independent third-party fire door certification scheme in the UK. If you own a business property or are a landlord, they have a range of information and list of <a href="http://www.bwf.org.uk/firedoors/about-the-scheme/why-choose-a-scheme-member/" target="_blank">members that can help you with your fire door responsibilities</a>. They can help you fulfil your RRO responsibility to ensure fire safety.<br />
 <br />
I would really like to hear about your experiences with fire doors and fire safety legislation. What are your thoughts on fire door safety? Do you have any questions about the scheme?<br />
<br />
Thanks,<br />
<br />
Stefan]]></description>
			<content:encoded><![CDATA[Hi All,<br />
<br />
I hope it is OK to start a topic about fire safety and fire doors in particular. I think the BWF-CERTIFIRE scheme will be of interest to many of you here, but if there is a more appropriate place for the post do let me know.<br />
<br />
A fire door spends most of its life as just a door, but with thousands of property fires each year, we need to remember it is also a crucial safety device. There remains however a lack of understanding of fire doors and how they work, even amongst those responsible for specifying, buying, installing or inspecting them.<br />
<br />
BWF-CERTIFIRE has been providing fire safety advice for over a decade and is the largest independent third-party fire door certification scheme in the UK. If you own a business property or are a landlord, they have a range of information and list of <a href="http://www.bwf.org.uk/firedoors/about-the-scheme/why-choose-a-scheme-member/" target="_blank">members that can help you with your fire door responsibilities</a>. They can help you fulfil your RRO responsibility to ensure fire safety.<br />
 <br />
I would really like to hear about your experiences with fire doors and fire safety legislation. What are your thoughts on fire door safety? Do you have any questions about the scheme?<br />
<br />
Thanks,<br />
<br />
Stefan]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[GKOTRAVEL]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=884</link>
			<pubDate>Tue, 16 Feb 2010 20:40:37 +0000</pubDate>
			<dc:creator>gkotravel</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=884</guid>
			<description><![CDATA[Hello everyone,<br />
<br />
Our Company is experiencing explosive growth world wide and we have several positions we are seeking to fill, including Team Leader Positions. An entrepreneurial drive and strong work ethic will begin to make serious income right away.<br />
Our opportunity includes:	<br />
•  Weekly commission,  Monthly bonuses and travel allowances for qualified people.<br />
•  Additional bonuses including home bonuses and car bonuses are available for top producers.<br />
•  A real opportunity for rapid advancement. We promote 100% from within our company.<br />
•  A mentorship training program that helps our new reps get up to speed rapidly.(Mentor available on the phone or in person).<br />
<br />
<br />
No previous experience is necessary. We will train the right individuals.<br />
Requirements:<br />
• A positive attitude. (Skeptics, complainers, crybabies and negative people DO NOT apply! Please!).<br />
Must have a computer with a high speed internet and a cell phone. Contact<br />
me to giannisgko@gmail.com<br />
<br />
and it is better for you t have a skype address.<br />
<br />
here is the registration site<br />
<a href="http://www.gkotravel.worldventures.biz" target="_blank">http://www.gkotravel.worldventures.biz</a><br />
<br />
and here is the presentation link<br />
<br />
<a href="http://www.wvemailvideo.com/video.php?uid=i2oec2kikiu228am" target="_blank">http://www.wvemailvideo.com/video.php?ui...kikiu228am</a>]]></description>
			<content:encoded><![CDATA[Hello everyone,<br />
<br />
Our Company is experiencing explosive growth world wide and we have several positions we are seeking to fill, including Team Leader Positions. An entrepreneurial drive and strong work ethic will begin to make serious income right away.<br />
Our opportunity includes:	<br />
•  Weekly commission,  Monthly bonuses and travel allowances for qualified people.<br />
•  Additional bonuses including home bonuses and car bonuses are available for top producers.<br />
•  A real opportunity for rapid advancement. We promote 100% from within our company.<br />
•  A mentorship training program that helps our new reps get up to speed rapidly.(Mentor available on the phone or in person).<br />
<br />
<br />
No previous experience is necessary. We will train the right individuals.<br />
Requirements:<br />
• A positive attitude. (Skeptics, complainers, crybabies and negative people DO NOT apply! Please!).<br />
Must have a computer with a high speed internet and a cell phone. Contact<br />
me to giannisgko@gmail.com<br />
<br />
and it is better for you t have a skype address.<br />
<br />
here is the registration site<br />
<a href="http://www.gkotravel.worldventures.biz" target="_blank">http://www.gkotravel.worldventures.biz</a><br />
<br />
and here is the presentation link<br />
<br />
<a href="http://www.wvemailvideo.com/video.php?uid=i2oec2kikiu228am" target="_blank">http://www.wvemailvideo.com/video.php?ui...kikiu228am</a>]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Hi .. we are a  Brazilian exporter]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=883</link>
			<pubDate>Sun, 07 Feb 2010 13:03:18 +0000</pubDate>
			<dc:creator>mc exporter</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=883</guid>
			<description><![CDATA[Greetings<br />
we are a Brazilian exporter of stones items by competitive prices<br />
some items we export : amethyst geodes, agate slices, stone crafts and many others[/i&#93;[/b&#93;<br />
we would like to interact with UK persons interested in developing the business there<br />
my email : mcexporter@gmail.com<br />
thanks<br />
Cesar.]]></description>
			<content:encoded><![CDATA[Greetings<br />
we are a Brazilian exporter of stones items by competitive prices<br />
some items we export : amethyst geodes, agate slices, stone crafts and many others[/i][/b]<br />
we would like to interact with UK persons interested in developing the business there<br />
my email : mcexporter@gmail.com<br />
thanks<br />
Cesar.]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[E-marketing Question]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=882</link>
			<pubDate>Mon, 01 Feb 2010 04:47:55 +0000</pubDate>
			<dc:creator>alstonfered</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=882</guid>
			<description><![CDATA[I have just started a blog and want to know how well it is working for me?<br />
Are there ways of collecting stats in the same way as say Constant Contact does for a newsletter?]]></description>
			<content:encoded><![CDATA[I have just started a blog and want to know how well it is working for me?<br />
Are there ways of collecting stats in the same way as say Constant Contact does for a newsletter?]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Which one is batter for my future??]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=881</link>
			<pubDate>Mon, 01 Feb 2010 04:46:22 +0000</pubDate>
			<dc:creator>alstonfered</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=881</guid>
			<description><![CDATA[Hi friends,<br />
<br />
                      I an student of engineering field.I am just confuse about the language selection for web designing programming.Please suggest me that which language should i choose??<br />
<br />
I have two options in my mind,and they are  "Java or .Net"....<br />
Which should i select??If you have any other better option then please suggest it too.<br />
Thank you in advance for your reply..]]></description>
			<content:encoded><![CDATA[Hi friends,<br />
<br />
                      I an student of engineering field.I am just confuse about the language selection for web designing programming.Please suggest me that which language should i choose??<br />
<br />
I have two options in my mind,and they are  "Java or .Net"....<br />
Which should i select??If you have any other better option then please suggest it too.<br />
Thank you in advance for your reply..]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Getting started a small business]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=880</link>
			<pubDate>Mon, 01 Feb 2010 04:44:06 +0000</pubDate>
			<dc:creator>alstonfered</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=880</guid>
			<description><![CDATA[10 tips for getting started a small business:<br />
<br />
<br />
<span style="font-weight: bold;">Save up as much money as possible before starting</span><br />
<br />
All too often, people go into business without any savings, exclusively using loan money from friends, banks, or the SBA. They except to be able to start paying the loans back right away with their profits. What these business owners don't realize is that it can take months or years to make a profit. And once a lender discovers a business isn't as profitable as expected, the lender is likely to call in the loan or refuse to renew it for another year. Often new business owners then have to take out home equity loans or use credit cards to pay off their loans (which puts their home and credit rating at risk). For more information, see Business Financing FAQ.<br />
<br />
A better plan is to save up as much of the needed investment money as possible, including your living expenses for the first year, or even two. Odds are that your business won't be profitable for one to two years. Even if you get plenty of business coming your way -- and your customers pay you on time, which isn't always a sure thing -- you'll want to be able to invest most of that money back in the business for space, equipment, advertising, and insurance needs.<br />
<br />
<br />
<span style="font-weight: bold;">Start on a shoestring</span><br />
<br />
Think small. Don't rent premises if you can work somewhere else, and don't hire employees until you can keep them busy. (You can hire independent contractors or temps in the meantime.)<br />
<br />
People who start their small business on the cheap, often in a garage, den, or some other scavenged space, and create their first goods or services with more sweat than cash, have the luxury of making their inevitable rookie mistakes on a small scale. And precisely because their early screw-ups don't bury them in debt, they are usually able to learn and recover from them.<br />
<br />
<br />
<span style="font-weight: bold;">Protect your personal assets</span><br />
<br />
When you go into business for yourself, you are usually personally liable for all judgments and debts that the business incurs. This includes business loans, taxes, money owed to suppliers and landlords, and any judgments against the business as a result of a lawsuit. If you don't protect yourself, a creditor can go after your personal assets, such as your car and your house, to pay for these debts.<br />
<br />
While you can protect yourself against lawsuits by buying business liability insurance, this won't help you with business debts. If you will be running up big debts, consider forming a corporation or limited liability company (LLC). Just one person can form either of these types of businesses.<br />
<br />
<br />
<span style="font-weight: bold;">Understand how -- and if -- you will make a profit</span><br />
<br />
You should be able to state in just a few sentences how your business plans to make a substantial profit. For starters, you need to know your costs: how much you'll spend purchasing inventory, paying the rent, compensating any employees, and covering what is likely to be a surprisingly long list of other costs. Then you can figure out exactly how much you need to sell each month, for how many dollars, to cover those expenses and have an adequate profit besides. These numbers are all you need to create a "break-even analysis."<br />
<br />
<br />
<span style="font-weight: bold;">Make a business plan, no matter how short</span><br />
<br />
Understanding your profit numbers and creating a break-even analysis is the first step in making a business plan. For most small companies, the key portions of a business plan are the break-even analysis, a profit-and-loss forecast, and a cash flow projection. (Projecting your cash flow is key and will make or break your company: Even if your business is getting plenty of work or selling its products, if you're not getting paid for 90-180 days, you're not going to survive unless you've planned for it.) With a cash flow spreadsheet in place, as well as a profit-and-loss forecast, you can tinker with your business idea and improve it before you start -- and continue to use them after you start.<br />
<br />
Creating a business plan also allows you to determine what your projected start-up costs are (how much money you'll need to save) and what you marketing strategies are (how you'll reach customers to make sales). If you can't make the numbers work on paper, you won't be able to make them work in real life.<br />
<br />
<br />
<span style="font-weight: bold;">Get and keep a competitive edge</span><br />
<br />
Building a competitive edge into the fabric of your business is crucially important to long-term success. Some ways to get this edge are by knowing more than your competitors, making a product that is hard or impossible to imitate, being able to produce or distribute your product more efficiently, having a better location, or offering superior customer service.<br />
<br />
One way to hold on to your competitive edge is to protect your trade secrets -- confidential information that gives you a competitive advantage in the marketplace. Examples of trade secrets include customer lists, survey methods, marketing strategies, and manufacturing techniques. To protect your trade secrets under the law, you need to take steps to keep the information confidential. This includes marking documents "Confidential," using passwords to protect computer information, using nondisclosure and/or noncompete agreements, and limiting access to employees with a reasonable need to know the trade secrets.<br />
<br />
Another way to keep your competitive edge is to react quickly to bad news. Once you see that your business faces some kind of adversity, you need to come up with a plan to deal with it immediately. This may involve moving your offices, introducing a new product or service, or developing a better way to reach customers.<br />
<br />
<br />
<span style="font-weight: bold;">Put all agreements in writing</span><br />
<br />
The laws of your state require you to put some contracts and agreements in writing:<br />
<br />
    * Contracts that will last longer than a year.<br />
    * Contracts that involve the sale of goods worth &#36;500 or more.<br />
    * Contracts that transfer the ownership of copyrights or real estate.<br />
<br />
Even if not legally required, it's wise to put almost everything in writing, because oral agreements can be difficult or impossible to prove. This includes leases or rental agreements, storage agreements, contracts for services (such as consulting or electrical work), purchase orders or contracts for goods worth more than a couple hundred dollars, offer letters of employment, and employment policies. Get in the habit of getting and giving receipts for all goods, services, and deposits, regardless of how much.<br />
<br />
<br />
<span style="font-weight: bold;">Hire and keep good people</span><br />
<br />
Your goal should be to hire and retain truly excellent employees -- not just reasonably competent ones. A highly competent and truly enthusiastic employee is at least two and sometimes even three times as valuable as a person of average skills.<br />
<br />
To create a stable and happy workforce, it's essential not only that your employees (and independent contractors) believe they are being fairly treated, but that your business is worthy of respect. Employees and contractors who like their work will represent you well on and off the job. And customers will more likely be loyal to an upbeat business -- and are more likely to recommend it to their friends.<br />
<br />
<span style="font-weight: bold;"><br />
Pay attention to the legal status of your workers</span><br />
<br />
When you hire workers as independent contractors, make sure they shouldn't really be taxed as employees. The IRS can impose substantial penalties against you for not withholding taxes and paying taxes for a worker who is really an employee. The IRS and other agencies are likely to think that a worker is an employee rather than an independent contractor under any of these conditions:<br />
<br />
    * The worker works full-time or nearly full-time for you.<br />
    * The worker doesn't work for anyone else.<br />
    * The worker provides services that are an integral part of your operations.<br />
    * You control how the worker does the job and provide detailed instructions and training for the worker.<br />
<br />
One way to help avoid trouble is to have the worker sign a written service contract, or independent contractor agreement.<br />
<br />
Most employees you hire will be "at-will" employees -- subject to being fired at any time and for any reason (except for illegal motives such as discrimination). It's important to preserve your at-will rights because they protect you from having to prove that you have a valid business-related reason to terminate an employee. Don't make any promises to prospective or current employees that you are offering a permanent job or that they will lose their job only if they perform poorly, because this will limit your ability to terminate the employee for other reasons, such as personality conflicts or finances.<br />
<br />
When hiring an at-will employee, have the employee sign an offer letter that makes it clear that the employment relationship is at will. Except for high-level executives, you shouldn't have employees sign an employment contract -- this can limit your ability to alter the terms of employment as your business needs change and subjects you to higher legal standards.<br />
<br />
<span style="font-weight: bold;"><br />
Pay your bills early and your taxes on time</span><br />
<br />
In the real world, where a reputation for keeping one's word is a hugely important asset, a good strategy is either to pay your bills up front or pay them early. You gain trust, build a positive credit profile, and have a built-in safety net if things go badly. These benefits outweigh any interest you might earn by holding onto your money until the last possible minute.<br />
<br />
Most importantly, pay your payroll taxes on time, especially the portion that you withhold from your employees' paychecks. The IRS and state tax authorities can hold you personally liable for these taxes, plus stiff penalties, if they're not paid. This is true even if you operate your business as a corporation or LLC or if your business goes bankrupt -- you will still be personally and legally on the hook to pay back payroll taxes.]]></description>
			<content:encoded><![CDATA[10 tips for getting started a small business:<br />
<br />
<br />
<span style="font-weight: bold;">Save up as much money as possible before starting</span><br />
<br />
All too often, people go into business without any savings, exclusively using loan money from friends, banks, or the SBA. They except to be able to start paying the loans back right away with their profits. What these business owners don't realize is that it can take months or years to make a profit. And once a lender discovers a business isn't as profitable as expected, the lender is likely to call in the loan or refuse to renew it for another year. Often new business owners then have to take out home equity loans or use credit cards to pay off their loans (which puts their home and credit rating at risk). For more information, see Business Financing FAQ.<br />
<br />
A better plan is to save up as much of the needed investment money as possible, including your living expenses for the first year, or even two. Odds are that your business won't be profitable for one to two years. Even if you get plenty of business coming your way -- and your customers pay you on time, which isn't always a sure thing -- you'll want to be able to invest most of that money back in the business for space, equipment, advertising, and insurance needs.<br />
<br />
<br />
<span style="font-weight: bold;">Start on a shoestring</span><br />
<br />
Think small. Don't rent premises if you can work somewhere else, and don't hire employees until you can keep them busy. (You can hire independent contractors or temps in the meantime.)<br />
<br />
People who start their small business on the cheap, often in a garage, den, or some other scavenged space, and create their first goods or services with more sweat than cash, have the luxury of making their inevitable rookie mistakes on a small scale. And precisely because their early screw-ups don't bury them in debt, they are usually able to learn and recover from them.<br />
<br />
<br />
<span style="font-weight: bold;">Protect your personal assets</span><br />
<br />
When you go into business for yourself, you are usually personally liable for all judgments and debts that the business incurs. This includes business loans, taxes, money owed to suppliers and landlords, and any judgments against the business as a result of a lawsuit. If you don't protect yourself, a creditor can go after your personal assets, such as your car and your house, to pay for these debts.<br />
<br />
While you can protect yourself against lawsuits by buying business liability insurance, this won't help you with business debts. If you will be running up big debts, consider forming a corporation or limited liability company (LLC). Just one person can form either of these types of businesses.<br />
<br />
<br />
<span style="font-weight: bold;">Understand how -- and if -- you will make a profit</span><br />
<br />
You should be able to state in just a few sentences how your business plans to make a substantial profit. For starters, you need to know your costs: how much you'll spend purchasing inventory, paying the rent, compensating any employees, and covering what is likely to be a surprisingly long list of other costs. Then you can figure out exactly how much you need to sell each month, for how many dollars, to cover those expenses and have an adequate profit besides. These numbers are all you need to create a "break-even analysis."<br />
<br />
<br />
<span style="font-weight: bold;">Make a business plan, no matter how short</span><br />
<br />
Understanding your profit numbers and creating a break-even analysis is the first step in making a business plan. For most small companies, the key portions of a business plan are the break-even analysis, a profit-and-loss forecast, and a cash flow projection. (Projecting your cash flow is key and will make or break your company: Even if your business is getting plenty of work or selling its products, if you're not getting paid for 90-180 days, you're not going to survive unless you've planned for it.) With a cash flow spreadsheet in place, as well as a profit-and-loss forecast, you can tinker with your business idea and improve it before you start -- and continue to use them after you start.<br />
<br />
Creating a business plan also allows you to determine what your projected start-up costs are (how much money you'll need to save) and what you marketing strategies are (how you'll reach customers to make sales). If you can't make the numbers work on paper, you won't be able to make them work in real life.<br />
<br />
<br />
<span style="font-weight: bold;">Get and keep a competitive edge</span><br />
<br />
Building a competitive edge into the fabric of your business is crucially important to long-term success. Some ways to get this edge are by knowing more than your competitors, making a product that is hard or impossible to imitate, being able to produce or distribute your product more efficiently, having a better location, or offering superior customer service.<br />
<br />
One way to hold on to your competitive edge is to protect your trade secrets -- confidential information that gives you a competitive advantage in the marketplace. Examples of trade secrets include customer lists, survey methods, marketing strategies, and manufacturing techniques. To protect your trade secrets under the law, you need to take steps to keep the information confidential. This includes marking documents "Confidential," using passwords to protect computer information, using nondisclosure and/or noncompete agreements, and limiting access to employees with a reasonable need to know the trade secrets.<br />
<br />
Another way to keep your competitive edge is to react quickly to bad news. Once you see that your business faces some kind of adversity, you need to come up with a plan to deal with it immediately. This may involve moving your offices, introducing a new product or service, or developing a better way to reach customers.<br />
<br />
<br />
<span style="font-weight: bold;">Put all agreements in writing</span><br />
<br />
The laws of your state require you to put some contracts and agreements in writing:<br />
<br />
    * Contracts that will last longer than a year.<br />
    * Contracts that involve the sale of goods worth &#36;500 or more.<br />
    * Contracts that transfer the ownership of copyrights or real estate.<br />
<br />
Even if not legally required, it's wise to put almost everything in writing, because oral agreements can be difficult or impossible to prove. This includes leases or rental agreements, storage agreements, contracts for services (such as consulting or electrical work), purchase orders or contracts for goods worth more than a couple hundred dollars, offer letters of employment, and employment policies. Get in the habit of getting and giving receipts for all goods, services, and deposits, regardless of how much.<br />
<br />
<br />
<span style="font-weight: bold;">Hire and keep good people</span><br />
<br />
Your goal should be to hire and retain truly excellent employees -- not just reasonably competent ones. A highly competent and truly enthusiastic employee is at least two and sometimes even three times as valuable as a person of average skills.<br />
<br />
To create a stable and happy workforce, it's essential not only that your employees (and independent contractors) believe they are being fairly treated, but that your business is worthy of respect. Employees and contractors who like their work will represent you well on and off the job. And customers will more likely be loyal to an upbeat business -- and are more likely to recommend it to their friends.<br />
<br />
<span style="font-weight: bold;"><br />
Pay attention to the legal status of your workers</span><br />
<br />
When you hire workers as independent contractors, make sure they shouldn't really be taxed as employees. The IRS can impose substantial penalties against you for not withholding taxes and paying taxes for a worker who is really an employee. The IRS and other agencies are likely to think that a worker is an employee rather than an independent contractor under any of these conditions:<br />
<br />
    * The worker works full-time or nearly full-time for you.<br />
    * The worker doesn't work for anyone else.<br />
    * The worker provides services that are an integral part of your operations.<br />
    * You control how the worker does the job and provide detailed instructions and training for the worker.<br />
<br />
One way to help avoid trouble is to have the worker sign a written service contract, or independent contractor agreement.<br />
<br />
Most employees you hire will be "at-will" employees -- subject to being fired at any time and for any reason (except for illegal motives such as discrimination). It's important to preserve your at-will rights because they protect you from having to prove that you have a valid business-related reason to terminate an employee. Don't make any promises to prospective or current employees that you are offering a permanent job or that they will lose their job only if they perform poorly, because this will limit your ability to terminate the employee for other reasons, such as personality conflicts or finances.<br />
<br />
When hiring an at-will employee, have the employee sign an offer letter that makes it clear that the employment relationship is at will. Except for high-level executives, you shouldn't have employees sign an employment contract -- this can limit your ability to alter the terms of employment as your business needs change and subjects you to higher legal standards.<br />
<br />
<span style="font-weight: bold;"><br />
Pay your bills early and your taxes on time</span><br />
<br />
In the real world, where a reputation for keeping one's word is a hugely important asset, a good strategy is either to pay your bills up front or pay them early. You gain trust, build a positive credit profile, and have a built-in safety net if things go badly. These benefits outweigh any interest you might earn by holding onto your money until the last possible minute.<br />
<br />
Most importantly, pay your payroll taxes on time, especially the portion that you withhold from your employees' paychecks. The IRS and state tax authorities can hold you personally liable for these taxes, plus stiff penalties, if they're not paid. This is true even if you operate your business as a corporation or LLC or if your business goes bankrupt -- you will still be personally and legally on the hook to pay back payroll taxes.]]></content:encoded>
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			<title><![CDATA[Another business finance question!]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=879</link>
			<pubDate>Wed, 27 Jan 2010 12:22:28 +0000</pubDate>
			<dc:creator>Sarah Howard</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=879</guid>
			<description><![CDATA[Another question that has popped up;<br />
<br />
'The banks keep telling me that they are lending money, in practise it is rather different as everyone I know in business is telling me the same problem. I need about £80,000 to develop my business as my business is growing and I know I will need this financial support to allow the growth to continue.']]></description>
			<content:encoded><![CDATA[Another question that has popped up;<br />
<br />
'The banks keep telling me that they are lending money, in practise it is rather different as everyone I know in business is telling me the same problem. I need about £80,000 to develop my business as my business is growing and I know I will need this financial support to allow the growth to continue.']]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Droid or iPhone, which one is better?]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=878</link>
			<pubDate>Wed, 27 Jan 2010 06:36:34 +0000</pubDate>
			<dc:creator>owaispoul</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=878</guid>
			<description><![CDATA[I have an iPhone and I think it is one of the best phones n my friend has a droid. <img src="http://www.ukbusinesschat.co.uk/images/smilies/smile.gif" style="vertical-align: middle;" border="0" alt="Smile" title="Smile" /> My phone has a lot of applications but he says that his phone is more faster than mine.<img src="http://www.ukbusinesschat.co.uk/images/smilies/undecided.gif" style="vertical-align: middle;" border="0" alt="Undecided" title="Undecided" />  I was wondering other peoples opinion on which one of the two is better? <img src="http://www.ukbusinesschat.co.uk/images/smilies/huh.gif" style="vertical-align: middle;" border="0" alt="Huh" title="Huh" />]]></description>
			<content:encoded><![CDATA[I have an iPhone and I think it is one of the best phones n my friend has a droid. <img src="http://www.ukbusinesschat.co.uk/images/smilies/smile.gif" style="vertical-align: middle;" border="0" alt="Smile" title="Smile" /> My phone has a lot of applications but he says that his phone is more faster than mine.<img src="http://www.ukbusinesschat.co.uk/images/smilies/undecided.gif" style="vertical-align: middle;" border="0" alt="Undecided" title="Undecided" />  I was wondering other peoples opinion on which one of the two is better? <img src="http://www.ukbusinesschat.co.uk/images/smilies/huh.gif" style="vertical-align: middle;" border="0" alt="Huh" title="Huh" />]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Suggestion required: Firefox crashes unexpectedly!!]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=877</link>
			<pubDate>Wed, 27 Jan 2010 06:26:18 +0000</pubDate>
			<dc:creator>owaispoul</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=877</guid>
			<description><![CDATA[I currently have Ubuntu installed in my PC and prior to this I had Windows. I do have a lot of work to do over the Internet and I use Firefox most of the time. I was comfortable with it, but lately I am facing some problems of Firefox crashing <img src="http://www.ukbusinesschat.co.uk/images/smilies/undecided.gif" style="vertical-align: middle;" border="0" alt="Undecided" title="Undecided" /> and resulting in the loss of data and wastage of time. I have to restart the computer to have it working again and restore the sites that I was working on. <img src="http://www.ukbusinesschat.co.uk/images/smilies/dodgy.gif" style="vertical-align: middle;" border="0" alt="Dodgy" title="Dodgy" /> This occurs especially when I try to play some media files. Could anyone here suggest me some solution for this? <img src="http://www.ukbusinesschat.co.uk/images/smilies/huh.gif" style="vertical-align: middle;" border="0" alt="Huh" title="Huh" />]]></description>
			<content:encoded><![CDATA[I currently have Ubuntu installed in my PC and prior to this I had Windows. I do have a lot of work to do over the Internet and I use Firefox most of the time. I was comfortable with it, but lately I am facing some problems of Firefox crashing <img src="http://www.ukbusinesschat.co.uk/images/smilies/undecided.gif" style="vertical-align: middle;" border="0" alt="Undecided" title="Undecided" /> and resulting in the loss of data and wastage of time. I have to restart the computer to have it working again and restore the sites that I was working on. <img src="http://www.ukbusinesschat.co.uk/images/smilies/dodgy.gif" style="vertical-align: middle;" border="0" alt="Dodgy" title="Dodgy" /> This occurs especially when I try to play some media files. Could anyone here suggest me some solution for this? <img src="http://www.ukbusinesschat.co.uk/images/smilies/huh.gif" style="vertical-align: middle;" border="0" alt="Huh" title="Huh" />]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Greetings from a Newbie!!]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=876</link>
			<pubDate>Wed, 27 Jan 2010 06:24:49 +0000</pubDate>
			<dc:creator>owaispoul</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=876</guid>
			<description><![CDATA[Hello Everyone,<br />
My name is Owais, I was lurking around the site since the day I joined in and thought that it would be better to start with an introduction, <img src="http://www.ukbusinesschat.co.uk/images/smilies/smile.gif" style="vertical-align: middle;" border="0" alt="Smile" title="Smile" />  so I just dropped in to say hi to everyone and built a better rapport with the people here. <img src="http://www.ukbusinesschat.co.uk/images/smilies/tongue.gif" style="vertical-align: middle;" border="0" alt="Tongue" title="Tongue" /> I found this community on Google and joined in without a further thought. It would be great to have some quality discussions here sharing some useful information. <img src="http://www.ukbusinesschat.co.uk/images/smilies/biggrin.gif" style="vertical-align: middle;" border="0" alt="Big Grin" title="Big Grin" />]]></description>
			<content:encoded><![CDATA[Hello Everyone,<br />
My name is Owais, I was lurking around the site since the day I joined in and thought that it would be better to start with an introduction, <img src="http://www.ukbusinesschat.co.uk/images/smilies/smile.gif" style="vertical-align: middle;" border="0" alt="Smile" title="Smile" />  so I just dropped in to say hi to everyone and built a better rapport with the people here. <img src="http://www.ukbusinesschat.co.uk/images/smilies/tongue.gif" style="vertical-align: middle;" border="0" alt="Tongue" title="Tongue" /> I found this community on Google and joined in without a further thought. It would be great to have some quality discussions here sharing some useful information. <img src="http://www.ukbusinesschat.co.uk/images/smilies/biggrin.gif" style="vertical-align: middle;" border="0" alt="Big Grin" title="Big Grin" />]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Business Finance Question]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=875</link>
			<pubDate>Tue, 26 Jan 2010 10:24:33 +0000</pubDate>
			<dc:creator>Sarah Howard</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=875</guid>
			<description><![CDATA[I have just had a call from my bank who have refused to renew my overdraft facility which my business relies on at various times in the year. Is there an alternative way of financing my business as this will have serious impacts on our chances of staying in business?]]></description>
			<content:encoded><![CDATA[I have just had a call from my bank who have refused to renew my overdraft facility which my business relies on at various times in the year. Is there an alternative way of financing my business as this will have serious impacts on our chances of staying in business?]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[GRAPHIC CARD ON MOTHERBOARD]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=874</link>
			<pubDate>Sat, 23 Jan 2010 09:17:56 +0000</pubDate>
			<dc:creator>trevorlawrence</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=874</guid>
			<description><![CDATA[Hi All,<br />
<br />
I am planning to buy ASUS M2N-MX SE motherboard . The specification says that the motherboard has inbuilt GeForce 6100 GPU. Now what I want to ask is having inbuilt 6100 GPU is equivalent to using a 6100 Graphics card with an Intel motherboard.<br />
<br />
Secondly what will be the good choice of processor.<br />
<br />
Also can you tell me the games which will run effectively with this motherboard.<br />
<br />
I am not planning to buy a separate graphics card . Thanks a lot!!]]></description>
			<content:encoded><![CDATA[Hi All,<br />
<br />
I am planning to buy ASUS M2N-MX SE motherboard . The specification says that the motherboard has inbuilt GeForce 6100 GPU. Now what I want to ask is having inbuilt 6100 GPU is equivalent to using a 6100 Graphics card with an Intel motherboard.<br />
<br />
Secondly what will be the good choice of processor.<br />
<br />
Also can you tell me the games which will run effectively with this motherboard.<br />
<br />
I am not planning to buy a separate graphics card . Thanks a lot!!]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Bush VS Obama]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=873</link>
			<pubDate>Sat, 23 Jan 2010 07:29:57 +0000</pubDate>
			<dc:creator>trevorlawrence</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=873</guid>
			<description><![CDATA[IF GEORGE BUSH WAS AN IDIOT<br />
<br />
If George W. Bush had been the first President to need a teleprompter installed to be able to get through a press conference, would you have laughed and said this is more proof of how inept he is on his own and is really controlled by smarter men behind the scenes?<br />
<br />
<br />
If George W. Bush had spent hundreds of thousands of dollars to take Laura Bush to a play in NYC, would you have approved?<br />
<br />
<br />
If George W. Bush had reduced your retirement plan's holdings of GM stock by 90% and given the unions a majority stake in GM, would you have approved?<br />
<br />
<br />
If George W. Bush had made a joke at the expense of the Special Olympics, would you have approved?<br />
<br />
<br />
If George W. Bush had given Gordon Brown a set of inexpensive and incorrectly formatted DVDs, when Gordon Brown had given him a thoughtful and historically significant gift, would you have approved?<br />
<br />
<br />
If George W. Bush had given the Queen of England an iPod containing videos of his speeches, would you have thought this embarrassingly narcissistic and tacky?<br />
<br />
<br />
If George W. Bush had bowed to the King of Saudi Arabia , would you have approved?<br />
<br />
<br />
If George W. Bush had visited Austria and made reference to the nonexistent "Austrian language," would you have brushed it off as a minor slip?<br />
<br />
<br />
If George W. Bush had filled his cabinet and circle of advisers with people who cannot seem to keep current in their income taxes, would you have approved?<br />
<br />
<br />
If George W. Bush had been so Spanish illiterate as to refer to "Cinco de Cuatro" in front of the Mexican ambassador when it was the 5th of May<br />
(Cinco de Mayo), and continued to flub it when he tried again, would you have winced in embarrassment?<br />
<br />
<br />
If George W. Bush had misspelled the word "advice" would you have hammered him for it for years like Dan Quayle and potatoe as proof of what a dunce he is?<br />
<br />
<br />
If George W. Bush had burned 9,000 gallons of jet fuel to go plant a single tree on Earth Day, would you have concluded he's a hypocrite?<br />
<br />
<br />
If George W. Bush's administration had okayed Air Force One flying low over millions of people followed by a jet fighter in downtown Manhattan causing widespread panic, would you have wondered whether they actually get what happened on 9-11?<br />
<br />
<br />
<br />
If George W. Bush had failed to send relief aid to flood victims throughout the Midwest with more people killed or made homeless than in New Orleans , would you want it made into a major ongoing political issue with claims of racism and incompetence?<br />
<br />
<br />
If George W. Bush had ordered the firing of the CEO of a major corporation, even though he had no constitutional authority to do so, would you have approved?<br />
<br />
<br />
If George W Bush had proposed to double the national debt, which had taken more than two centuries to accumulate, in one year, would you have approved?<br />
<br />
<br />
If George W. Bush had then proposed to double the debt again within 10 years, would you have approved?<br />
<br />
So, tell me again, what is it about Obama that makes him so brilliant and impressive? Can't think of anything?]]></description>
			<content:encoded><![CDATA[IF GEORGE BUSH WAS AN IDIOT<br />
<br />
If George W. Bush had been the first President to need a teleprompter installed to be able to get through a press conference, would you have laughed and said this is more proof of how inept he is on his own and is really controlled by smarter men behind the scenes?<br />
<br />
<br />
If George W. Bush had spent hundreds of thousands of dollars to take Laura Bush to a play in NYC, would you have approved?<br />
<br />
<br />
If George W. Bush had reduced your retirement plan's holdings of GM stock by 90% and given the unions a majority stake in GM, would you have approved?<br />
<br />
<br />
If George W. Bush had made a joke at the expense of the Special Olympics, would you have approved?<br />
<br />
<br />
If George W. Bush had given Gordon Brown a set of inexpensive and incorrectly formatted DVDs, when Gordon Brown had given him a thoughtful and historically significant gift, would you have approved?<br />
<br />
<br />
If George W. Bush had given the Queen of England an iPod containing videos of his speeches, would you have thought this embarrassingly narcissistic and tacky?<br />
<br />
<br />
If George W. Bush had bowed to the King of Saudi Arabia , would you have approved?<br />
<br />
<br />
If George W. Bush had visited Austria and made reference to the nonexistent "Austrian language," would you have brushed it off as a minor slip?<br />
<br />
<br />
If George W. Bush had filled his cabinet and circle of advisers with people who cannot seem to keep current in their income taxes, would you have approved?<br />
<br />
<br />
If George W. Bush had been so Spanish illiterate as to refer to "Cinco de Cuatro" in front of the Mexican ambassador when it was the 5th of May<br />
(Cinco de Mayo), and continued to flub it when he tried again, would you have winced in embarrassment?<br />
<br />
<br />
If George W. Bush had misspelled the word "advice" would you have hammered him for it for years like Dan Quayle and potatoe as proof of what a dunce he is?<br />
<br />
<br />
If George W. Bush had burned 9,000 gallons of jet fuel to go plant a single tree on Earth Day, would you have concluded he's a hypocrite?<br />
<br />
<br />
If George W. Bush's administration had okayed Air Force One flying low over millions of people followed by a jet fighter in downtown Manhattan causing widespread panic, would you have wondered whether they actually get what happened on 9-11?<br />
<br />
<br />
<br />
If George W. Bush had failed to send relief aid to flood victims throughout the Midwest with more people killed or made homeless than in New Orleans , would you want it made into a major ongoing political issue with claims of racism and incompetence?<br />
<br />
<br />
If George W. Bush had ordered the firing of the CEO of a major corporation, even though he had no constitutional authority to do so, would you have approved?<br />
<br />
<br />
If George W Bush had proposed to double the national debt, which had taken more than two centuries to accumulate, in one year, would you have approved?<br />
<br />
<br />
If George W. Bush had then proposed to double the debt again within 10 years, would you have approved?<br />
<br />
So, tell me again, what is it about Obama that makes him so brilliant and impressive? Can't think of anything?]]></content:encoded>
		</item>
		<item>
			<title><![CDATA[Newbie]]></title>
			<link>http://www.ukbusinesschat.co.uk/showthread.php?tid=872</link>
			<pubDate>Sat, 23 Jan 2010 06:32:41 +0000</pubDate>
			<dc:creator>trevorlawrence</dc:creator>
			<guid isPermaLink="false">http://www.ukbusinesschat.co.uk/showthread.php?tid=872</guid>
			<description><![CDATA[Hi All,<br />
<br />
I am Trevor and have join the forum just a while before. I have left the job of debt management company as I am planning to start my own.<br />
<br />
I joined the group not long ago, but waited to make my introduction until I'd had a chance to read more posts and get a better feel for the group. I have been happy to see that not only is the forum quite active, but that the members seem quite diverse in their practice, as this leads to very interesting discussions. I appreciate what appears to be a general policy of courtesy mixed with a healthy shot of straight-talk. <br />
<br />
Thanks,<br />
Trevor.]]></description>
			<content:encoded><![CDATA[Hi All,<br />
<br />
I am Trevor and have join the forum just a while before. I have left the job of debt management company as I am planning to start my own.<br />
<br />
I joined the group not long ago, but waited to make my introduction until I'd had a chance to read more posts and get a better feel for the group. I have been happy to see that not only is the forum quite active, but that the members seem quite diverse in their practice, as this leads to very interesting discussions. I appreciate what appears to be a general policy of courtesy mixed with a healthy shot of straight-talk. <br />
<br />
Thanks,<br />
Trevor.]]></content:encoded>
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