Understanding The Common Signs Of Stress

Have you noticed that you are a bit more stressed than usual? If you are not exactly sure whether or not it is stress that you are experiencing, there are a few common signs of stress www.thenewknowledge.com to be on the lookout for. The first sign is a complete change in behavior. You may be moodier than you have ever been before because you are having a hard time coping with the stress.

Instead of being easygoing, you may worry all the time. Do you tend to snap on people who do not necessarily deserve it? The reason you are snapping could be caused by the amount of stress you are suffering from. It is possible that you do not know how to control the way that you feel, so you act out on it in other ways that could hurt other people’s feelings.

Some people who are overly stressed find it hard to sleep. Because they are constantly worrying, they stay up all night and tend to suffer from insomnia. Have you been finding it harder and harder to get rest at night? Do you lie in your bed tossing for hours just thinking about the situations in your life that have you feeling so worried in the first place?

If the stress is real bad, you may not even be able to eat because of it. As a result of not eating, you have probably lost a significant amount of weight. People may be asking you if everything is alright because they are noticing a change in the way that you look and the way that you act.

Do not allow the stress to take over your life. If it is something you are dealing with, try taking to relax, whether it means taking a shopping trip, visiting the spa or even meditating at home.

London Business Growth Fund

We’ve teamed up with oneLondon specifically to help new businesses that have been turned down by recognised mainstream lenders.

To benefit from the London Business Growth Fund you must already be running a sound business, plans to expand and need funding.

Terms and conditions:

Borrow up to £20,000
Loan repayable in up to 5 years by Direct Debit
Interest rate fixed for the first three years fixed at 9.68%
At the start of year 4, interest rate is adjusted and fixed at the then applicable rate, paybale for the remainder of the term.
An arrangement fee, maximum 0.75%, minimum £75 may be charged
Loans are unsecured
Directors’ guarantees required for limited companies
Open to companies located anywhere in London
Match funding may be required
So how do I apply?

Step 1. Contact Business London
investment growthWe’ll put you in touch with your local Enterprise Support Organisation who will allocate you a business adviser and sign you up to “Up & Running” – the coaching and mentoring programme for entrepreneurs in their early trading years.

Your adviser will help you prepare your business plan if you haven’t already done so and recommend you for either the Start Up or Growth Fund loan.

Step 2. Download an application form and read the full terms and conditions

Step 3. Complete and return your application form
Your completed form should be supported by a comprehensive business plan, a recommendation from your allocated business adviser plus photographic ID and a utility bill. You’ll also need to prove that you’ve been refused finance by a recognised mainstream lender – e.g. a bank or loan company.

Growth Fund applications should also include trading accounts, certified for at least 12 months.

Step 4. Meet oneLondon
Within 2 weeks you’ll be advised by letter whether your application meets loan criteria requirements or not. If successful you’ll be invited to meet the oneLondon Lending Committee who will make a final decision on your application.

International Trade

Everyone wants new customers and for their business to grow. But if that means expanding into new international markets, the prospect can be a daunting one.

How can you minimise the risks? How do you navigate your way through all the red tape? And how do you find the time and money to investigate overseas markets, while still running your business? That’s where we can help.

We have a dedicated team of experts with real life experience in many industry sectors and international markets. So whether we’re assessing your export potential or advising on export to specific regions, all the help you need is here.

Export Briefings

Commercial staff from the British Embassies, Consulates and High Commissions around the world make regular visits to the UK to brief British companies on the latest developments in their relevant markets and sectors.

These officers are employed by the British government to facilitate trade and two-way investment and are made up of British nationals and locally engaged citizens. The latter are recruited for their private sector knowledge and experience. Officers provide information, advice and assistance to small and medium sized exporters by:

  • informing them about the market and its potential
  • advising on local trading practices and difficulties
  • encouraging suitable new exporters to enter the market
  • resolving any specific problems of individual exporters

Neat Concepts Ltd
Case Studies

Neat Concepts Ltd is a unique business, manufacturing bendy MDF and other panel products at the best quality and the lowest achievable cost in the world. When the business was started in 1995 they were the only manufacturer of this type of product in the UK.

In 1998 the company’s chairman Philip Brading, decided despite strong competition from two German companies thatbusiness he would expand into Europe. After successfully exporting to some of the European Markets he needed help with researching the remaining target markets. So he contacted Business Link who directed him to Trade Partners UK and their specialised ‘Export’ programmes.

With the help and advice of Geoff Bird, a Business Link expert in Export trade, Philip decided to take advantage of a ‘Export Explorer’ trip to Portugal. Expert market research was provided for the company by the Embassy was able to provide a network of contacts for Philip to approach. Successful negotiations lead to Philip appointing Viacaima, the biggest building products distributor in Portugal, to become Neat Concepts Ltd’s soul distributor in the country– a huge coup for the company!

After various successes in other European export countries Philip decided that it was time to test the USA market. He again contacted Geoff Bird for assistance who recommended that he take part in the Export USA programme.‘Export USA’ has three major elements to make up this concise and successful initiative. The business is provided with a detailed market overview by the commercial section of the US Embassy, a three day marketing course is provided which is specifically tailored to help the business understand American marketing concepts, and they are also provided with the advice and support of a coach and mentor in the shape of the appointed Business Adviser.

With the help of Trade Partners UK and Business Link, Neat Concepts Ltd now has 13 distributors of their product on the East Coast. Philip is still concentrating on increasing his market share all over America and is currently in the second stage of preparing detailed market research to help him develop and ‘grow especially on the West Coast’.

Neat Concepts Ltd now export to France, Spain, Portugal, Belgium, The Netherlands, Italy, Denmark, Norway, Sweden, Finland, Ireland and the USA. This successful exporting resume has been built over the last three years. Philip is now looking forward to working with Business Link and Trade Partners UK to develop links with China, Japan, Poland and Canada. Watch this space……!

How to groom your business for sale

Top Tips

1. Start the planning and preparation a few years before you intend to sell. This will help you sell up quickly when the time is right.

2. Look for any aspects of the business that prospective buyers may see as negatives and try to improve these areas. For example, expand your customer base to ensure the business is not over-reliant on a few big customers.

3. Aim to increase the company’s profitability year-on-year. Sell up when profit is still likely in the years ahead — if your business is stagnant, it will either be impossible to sell or you won’t reap the rewards you hoped for.

4. As the time to sell up approaches concentrate on short-term results — avoid taking on extra staff or spending lots of money on advertising.

5. Make sure the company accounts are in order, up to date and give a true picture of the business. Aim to show a stable financial pattern throughout the year delaying or bringing forward purchases if necessary.

6. Sell off under-used property or equipment. Improve your working-capital position with good stock control and tighter credit control.

7. Present the businesses assets in the best possible light. Make sure equipment and buildings are well maintained.

8. Try to look at the company as an outsider and aim to rectify anything that looks risky. For example, turn informal deals with suppliers into formal business contracts.

9. Establish incentive schemes to encourage key employees to stay with the business. Aim to get all staff on long-term contracts so the buyer knows they will already have a ready-made and knowledgeable team.

10. Do a final check for any loose ends that might deter a prospective buyer. For example, if the lease on your business premises is due to expire, check the landlord is happy to renew it.

Making Use of CRM Management Software

IT Consultancy in Romford
3, Holgate Court
4 – 10 Western Rd
Phone: 01708 759760

Providers of CRM management software understand the needs of each business. This is why they have tailored their products so that they can easily be integrated with other technologies and give small businesses the services that can grow it. Days when CRM used to belong to the large enterprises are long gone. Technology has made the cost of the software to come down, is no longer complex and is easy to deploy and use.

CRM management software is affordable accessible and easier to use. This is why businesses find the tool to be of great use in their day to day activities. Currently, the providers are focusing on availing customer relationship management packages designed for both small and mid-size ventures.

It should be noted that every business requires some form of customer relationship software that can increase the efficiency of the business in service provision. CRM is ideal for helping the business to manage and maintain the customer’s records. It is capable of the following functions:

  • Tracking and managing the customer contacts
  • Can be specific to a customer or a company project
  • Is often data based

Despite the many uses you can deploy the CRM software to; there are a few pitfalls you need to check out.CRM management software

Deploying the software without real users will be useless to the business. Thus, you need to engage someone who can maximize the benefits that can accrue from using the software.

  • Each user must have his own software this is to avoid instances of the data being spotty.
  • It may need time and money to appropriately ensure the quality of data.
  • Integrating the CRM software into your system may not be as easy as it is said. In fact it may require spending of more resources.

Thus, before you choose the CRM software to deploy in your business, it is vital to consider the following:

API – ensure that your CRM has an Application Program Interface that allows your CRM to link with other systems so that you can eliminate the need enter the same information in the system more than once.

Multiple contact information – Your CRM software should allow you to access and organize person’s information by name. This is what will make it easy for you to view all the interactions taking place with a particular client.

The Dashboard – A good CRM software should provide a summary of sales opportunities that are available to the company . It should also provide information on the employees working on the opportunities so that the company can utilize them.

Girl power

Solicitors in Romford
8, Holgate Court
4-10 Western Rd
Phone: 01708 727269

family law romfordRecently new legislation enabling parents to be punished if daughters are cut, which includes a package of action and funding to protect millions of girls at home and abroad from female genital mutilation and forced marriage, has been announced by the Prime Minister, International Development Secretary Justine Greening and Home Secretary Theresa May at the Girl Summit 2014.

What does this mean for family law? Here at McCorry Connolly solicitors we can help you navigate the new legislation and offer sound advice on this area of family law should you need it.

Female genital mutilation (FGM) is a crime in this country. It is also a crime to take a British national or permanent resident abroad for FGM or to help someone trying to do this.

You could be sentenced to 14 years in prison for mutilating a woman or child in this way or for helping someone to do it which has ramifications for family law.

FGM is any procedure that is meant to change or injure a girl’s or woman’s genital organs for non-medical reasons. It is sometimes called ‘female circumcision’ or ‘female genital cutting’. It’s mostly carried out on young girls.
FGM procedures can cause:

  • Severe bleeding
  • Infections
  • Problems with giving birth later in life – including the death of the baby.

The announced steps to stop these practices include:

  • a £1.4 million FGM Prevention Programme, launched in partnership with NHS England to help care for survivors and safeguard those at risk
  • a mandatory duty on doctors, teachers and others to report instances of FGM
  • new police guidance from the College of Policing and an inspection programme by Her Majesty’s Inspectorate of Constabulary (HMIC) that will look at how the police handle cases of FGM
  • a consultation on proposals to introduce new civil orders designed to protect girls identified as being at risk of FGM
  • new legislation that will mean parents can be prosecuted if they fail to prevent their daughter being cut
  • new legislation to grant victims of FGM lifelong anonymity from the time an allegation is made
  • a new specialist FGM service which will include social services, to proactively identify and respond to FGM; this will be supported by an ongoing package of work led by the Chief Social Worker Isabelle Trowler
  • new programmes to prevent child and forced marriage in 12 developing countries
  • an international charter calling for the eradication of these practices within a generation.

We specialise in all aspects of family law. Don’t hesitate to contact us today with any of your family legal challenges.