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    <title>News</title>
    <link></link>
    <description></description>
    <dc:language>en</dc:language>
    <dc:creator>ruth@ruthbadger.com</dc:creator>
    <dc:rights>Copyright 2010</dc:rights>
    <dc:date>2010-01-21T18:06:47+00:00</dc:date>
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    <item>
      <title>Employing An Apprentice Is The Way Forward</title>
      <link>http://www.ruthbadger.com/blog/item/employing-an-apprentice-is-the-way-forward/</link>
      <guid>http://www.ruthbadger.com/blog/item/employing-an-apprentice-is-the-way-forward/#When:17:06:47Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">A new grant for employers has been announced to make it easier for employers to take</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">on young apprentices. Over the next 10 weeks the National Apprenticeship Service</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">will provide up to 5,000 Apprenticeship Grants for Employers of 16 and 17 year olds</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">(AGE 16&nbsp;and 17). The grant of &pound;2,500 is to enable employers to offer 5,000 new</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">Apprenticeship places and take on an unemployed&nbsp;16 or 17 year old apprentice</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">immediately. The &pound;2,500 grant is in addition to the costs of training which are</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">already met by the National Apprenticeship Service.<span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span></span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">As I started my career in 1994 on a Youth Trainee Scheme which was the old name for an Apprenticeship I really do see the value of giving a young person the chance of building your business and their career.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">It is not very often I champion the Government but I think these grants are a great idea and as an employer you would be a fool not to take advantage of a burst of young energy into your business.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="font-size: 12pt; color: black; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-family: Calibri;">There are currently lots of young people looking for Apprenticeship opportunities so to find out more call 08000 150 600. </span></span></p> ]]>
					
				
			</description>
      <dc:subject>Comment</dc:subject>
      <dc:date>2010-01-21T17:06:47+00:00</dc:date>
    </item>

    <item>
      <title>Save Money&#8230; Haggle</title>
      <link>http://www.ruthbadger.com/blog/item/save-money...-haggle/</link>
      <guid>http://www.ruthbadger.com/blog/item/save-money...-haggle/#When:21:51:17Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Recession depressed retailers are open to offers a new study shows high street haggling can reap rewards for UK consumers.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Two thirds of UK high street retailers give non publicised discounts to customers who are brave enough to haggle, according to a report published last week by moneysupermarket.com.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">In the study of UK retailers and consumers, 61 % of shop owners and managers report that the recession has made them more likely to offer &lsquo;non sale&rsquo; discounts to close a deal.<span style="mso-spacerun: yes;">&nbsp; </span>Yet almost a third of retailers claim that customers rarely haggle with them and only 15 % report that they have a strict &lsquo;no discounts&rsquo; policy.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Indeed a third of UK shoppers state that they have never tried to negotiate a price down on something they were buying, with the majority stating that embarrassment holds them back from trying to get a better deal.<span style="mso-spacerun: yes;">&nbsp; </span>Only 10% say that they haggle on a regular basis.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Yet of those who have tried haggling, they report being successful on two out of three occasions and, on average, negotiated a 13.5% discount.<span style="mso-spacerun: yes;">&nbsp; </span>Just 7 % of hagglers received a straight no from the retailer and 73 % of people who asked for free items to be thrown in with a purchase were successful. </span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">The products that consumers feel most comfortable negotiating on are electronic items such as TVs, DVD recorders and stereos.<span style="mso-spacerun: yes;">&nbsp; </span>In contrast, just 8% of people negotiate when buying insurance or purchasing a car and only one in 20 haggle on their mobile phone contracts &ndash; ultra-competitive industries well-known for offering discounts or price matching. </span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">To see this in practice, moneysupermarket.com sent eighteen volunteers out on to the shopping streets of London to try haggling for themselves. They visited over 120 stores including House of Fraser, M&amp;S, H&amp;M, TopShop, PC World, Boots, independent retailers and market stalls.<span style="mso-spacerun: yes;">&nbsp; </span></span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Twelve out of eighteen volunteers managed to haggle successfully in a high street store and were granted discounts of between 5-20%. Consumer electronics stores and independent retailers were found to be the most open to haggling and, as expected, market stalls proved to be great negotiation territory. The way that you dress also appeared to have a bearing on the discount possible with 80% of the experiment&rsquo;s successful hagglers being smartly dressed.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">High street chains, department stores and supermarkets proved less haggle-friendly with many quoting central pricing policies.<span style="mso-spacerun: yes;">&nbsp; </span>However, there are exceptions to the rule with House of Fraser offering a non-publicised 20 % discount on the purchase of two Jaeger men&rsquo;s shirts.<span style="mso-spacerun: yes;">&nbsp;&nbsp; </span>Tesco also offered a five per cent &lsquo;at till&rsquo; discount on a case of champagne.<span style="mso-spacerun: yes;">&nbsp; </span>Haggling also threw up a large number of poorly publicised in-store discounts that would otherwise have been missed.</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">&nbsp;</span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt; line-height: normal; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="EN-US" style="color: black; font-family: &quot;Cambria&quot;,&quot;serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Courier New';"><span style="font-size: small;">Populus research among UK retailers backs up these findings with 81% of independent stores saying they are open to negotiation on price.<span style="mso-spacerun: yes;">&nbsp; </span>Perhaps surprisingly, 73% of the UK department stores polled and 71% of high street chains say they are happy to give discounts at their discretion.<span style="mso-spacerun: yes;">&nbsp; </span>Only 31 % of supermarkets are willing to give a non publicised discount.</span></span></p> ]]>
					
				
			</description>
      <dc:subject>Comment</dc:subject>
      <dc:date>2010-01-12T21:51:17+00:00</dc:date>
    </item>

    <item>
      <title>Read my New Business Column</title>
      <link>http://www.ruthbadger.com/blog/item/Read-my-new-business-column/</link>
      <guid>http://www.ruthbadger.com/blog/item/Read-my-new-business-column/#When:17:29:29Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="background: white; margin: 0cm 0cm 3.75pt; line-height: normal;"><strong><span lang="EN" style="font-size: 12pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">If small businesses make sure their budgets are accurate and take on the right deals they can prosper thanks to their greater flexibility</span></strong></p>
<p class="MsoNormal" style="background: white; margin: 0cm 0cm 3.75pt; line-height: normal;"><span lang="EN" style="font-size: 8.5pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">&nbsp;</span></p>
<p class="MsoNormal" style="background: white; margin: 6pt 0cm 10.8pt; line-height: normal;"><span lang="EN" style="font-size: 10pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">The recession has taught small company owners many vital business lessons, such as the need to diversify, the importance of an accurate budget and that the quality of a deal is more important than the volume.<br /><br />When the economy was performing well people were worried about the number of deals that they got through the door, how quick they got them in, delivered them and got them back out. However, I've seen a definite shift in business towards concentrating on good quality business deals.<br /><br />I've never before heard the word &lsquo;margin' mentioned so often and in such an educated way in the last six months than I have in the last five years. The downturn has taught businesses to focus on the right deals. I said one of my favourite sayings to a business the other day: some of the best deals that you do are the ones that you don't do at all.</span></p>
<p class="MsoNormal" style="background: #f9f9c7; margin: 0cm 0cm 3.75pt; line-height: normal;"><strong><span lang="EN" style="font-size: 12pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">The downturn has taught businesses to focus on the right deals - some of the best deals that you do are the ones that you don&rsquo;t do at all</span></strong></p>
<p class="MsoNormal" style="background: white; margin: 6pt 0cm 10.8pt; line-height: normal;"><span lang="EN" style="font-size: 14pt; color: #999999; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;"><br /></span><span lang="EN" style="font-size: 10pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">This business had seen their margin squeezed down to a stage where all a particular contract meant for them was activity. They were working to a breakeven point, there was no profitability in the deal.<br /><br />Firms must accurately calculate the cost of a product. The naive person works out how much it costs to put together; the business person works out all the labour costs and the margin that needs to go into it to turn a profit.<br /><br />One of the biggest lessons the recession has taught companies is the need to diversify their business. A lot of firms were reliant on a few big contracts to carry them through, but this meant that if one contract ended it seriously affected a company's turnover and cash flow.<br /><br />Since June last year we've helped 101 businesses back from the point of administration - if we hadn't have helped them they would have gone bust. The most common denominator was that the firms did not have a budget, or if they did it was not accurate with what was coming into the company in the current times.<br /><br />A budget is actually very simple to do. It's just a case of being very aware of your figures, working back from that and understanding what the business actually needs to achieve on a daily basis. This is an absolute must in the current economic climate and more SMEs are aware of this than they have ever been.</span></p>
<p class="MsoNormal" style="background: white; margin: 6pt 0cm 10pt; line-height: normal;"><span lang="EN" style="font-size: 10pt; font-family: &quot;Verdana&quot;,&quot;sans-serif&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN;">I actually think that small businesses are the best place to be right now in the current market place. I am a champion of small and medium-sized companies; they are the backbone of this country and the lifeblood of the business community.<br /><br />Small firms can make decisions quickly to adapt to changing market conditions and ensure that their business is stabilised. Decisions like this can take several weeks to be approved and implemented in larger organisations, and this can make the difference between a firm surviving or going under.<br /><br />Although I'm not convinced by those talking about &lsquo;green shoots' of recovery - we will know when we are beginning to emerge from the recession when the base rate rises and loan-to-value with mortgage lenders starts to go up - I do not expect the economic situation to get any worse.<br /><br />If small business owners have weathered the economic storm so far then - as long as they don't forget the lessons that the recession has taught them when the deals begin to come in - they should survive thanks to the measures that they have implemented.</span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span lang="EN-US" style="font-size: 10pt; line-height: 115%;"><span style="font-family: Calibri;">&nbsp;</span></span></p>
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			</description>
      <dc:subject>Comment</dc:subject>
      <dc:date>2009-12-14T17:29:29+00:00</dc:date>
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    <item>
      <title>Christmas Parties</title>
      <link>http://www.ruthbadger.com/blog/item/christmas-parties/</link>
      <guid>http://www.ruthbadger.com/blog/item/christmas-parties/#When:18:51:03Z</guid>
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						<![CDATA[<p>Fantastic night at Tatton Park,&nbsp;organised by&nbsp;JD Parties.... the start of many fantastic christmas parties to come!</p>
<p>and yes I have checked and my staff are all bright eyed and bushy tailed for work!</p> ]]>
					
				
			</description>
      <dc:subject>Comment</dc:subject>
      <dc:date>2009-12-04T18:51:03+00:00</dc:date>
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    <item>
      <title>Its only October!</title>
      <link>http://www.ruthbadger.com/blog/item/its-only-october/</link>
      <guid>http://www.ruthbadger.com/blog/item/its-only-october/#When:15:28:37Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span lang="EN-US" style="mso-ansi-language: EN-US;"><span style="font-size: small;"><span style="font-family: Calibri;">It might only have just turned October but Christmas is here already. Well that is if you're going shopping anyway.</span></span></span></p>
<p class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span lang="EN-US" style="mso-ansi-language: EN-US;"><span style="font-size: small;"><span style="font-family: Calibri;">The big stores have got their seasonal stock out with 80 days still to go.. At least there's no excuse not to get loved ones just what they wished for. But first of all I'll settle for my Halloween costume and then fireworks before I get too carried away.&nbsp; </span></span></span></p> ]]>
					
				
			</description>
      <dc:subject></dc:subject>
      <dc:date>2009-10-14T15:28:37+00:00</dc:date>
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    <item>
      <title>Dog Fighting</title>
      <link>http://www.ruthbadger.com/blog/item/dog-fighting/</link>
      <guid>http://www.ruthbadger.com/blog/item/dog-fighting/#When:15:26:52Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span lang="EN-US" style="mso-ansi-language: EN-US;"><span style="font-size: small;"><span style="font-family: Calibri;">It is hard to believe that somewhere right now, behind closed doors in an ordinary house, on an ordinary street, dogs are being fought to the death. Punters will be standing around as the specially trained animals are let loose from baying for each other's blood just as their masters have taught them to do. After the fight is over the unlucky dog will get dumped in a canal or abandoned at a roadside while this disgusting practice begins all over again. This "sport" can involve tens of thousands of pounds being gambled in just one match.&nbsp; The RSPCA has said dog-fighting has increased by 400 per cent in the past three years and it believes there are many more unreported cases. With authorities finding it difficult to penetrate these gangs the country needs to drag these thugs from underground by supplying all the information it can about who is responsible.&nbsp; </span></span></span></p> ]]>
					
				
			</description>
      <dc:subject>News</dc:subject>
      <dc:date>2009-10-13T15:26:52+00:00</dc:date>
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    <item>
      <title>&#8220;Please turn out the Lights&#8221;</title>
      <link>http://www.ruthbadger.com/blog/item/please-turn-out-the-lights/</link>
      <guid>http://www.ruthbadger.com/blog/item/please-turn-out-the-lights/#When:15:24:53Z</guid>
      <description>
				
					
						<![CDATA[<p class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span lang="EN-US" style="mso-ansi-language: EN-US;"><span style="font-size: small;"><span style="font-family: Calibri;">The Sun's decision to switch its allegiance from Labour to the Tories will make little difference to voters come the next election. It has delivered knockout blows to the parties in the past, with Neil Kinnock's head stuck in a light bulb in 1992 the most memorable of them. The headline instructed the country if he was to win will the last person to leave "please turn out the lights". But this time around voters live in a world where politicians put themselves on YouTube or tweet their latest sound bites.&nbsp; The paper will continue to set an agenda with its news coverage but people are not stupid and will not be told who to vote for.&nbsp; </span></span></span></p> ]]>
					
				
			</description>
      <dc:subject>News</dc:subject>
      <dc:date>2009-10-12T15:24:53+00:00</dc:date>
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    <item>
      <title>Jet2.com Boss demonstrates good management!</title>
      <link>http://www.ruthbadger.com/blog/item/jet2.com-boss-demonstrates-good-managemnet/</link>
      <guid>http://www.ruthbadger.com/blog/item/jet2.com-boss-demonstrates-good-managemnet/#When:15:05:40Z</guid>
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						<![CDATA[<h3>Instead you see someone on the other side of the desk who takes their time, barely<br />looks up to make eye contact and has no interest in you or the dozens of others<br />standing behind.<br /></h3>
<h3>As the minutes tick away your anger rises but all you can do is wait your turn like<br />everybody else has to.<br /></h3>
<h3>This is how I would imagine those people felt stuck at the check-in desk at<br />Manchester Airport&rsquo;s Terminal One. As they tried to soothe themselves with the<br />thought they would soon be on a Tenerife beach they probably couldn&rsquo;t believe<br />their eyes when the airline&rsquo;s boss let fly.<br /></h3>
<h3>Furious Philip Meeson, chief executive of Jet2.com, laid into his workers when he<br />saw the queue during a visit to the airport.<br /></h3>
<h3>He has been criticised for his actions which landed him with a warning from police.<br />But his approach was refreshing and would have restored the faith of those<br />passengers who in turn gave him a round of cheers. The old saying goes the customer is always right and the value of good customer<br />service was the very reason for Mr Meeson&rsquo;s response. <br /></h3> ]]>
					
				
			</description>
      <dc:subject>Business</dc:subject>
      <dc:date>2009-09-30T15:05:40+00:00</dc:date>
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    <item>
      <title>ANYBODY WHO HAS BOOKED ON A RUTH BADGER RISK MANAGEMENT TRAINING COURSE. PLEASE CALL THE OFFICE!</title>
      <link>http://www.ruthbadger.com/blog/item/anybody-who-has-booked-on-a-ruth-badger-risk-management-training-course.-pl/</link>
      <guid>http://www.ruthbadger.com/blog/item/anybody-who-has-booked-on-a-ruth-badger-risk-management-training-course.-pl/#When:17:45:32Z</guid>
      <description>
				
					
						<![CDATA[<p>x</p> ]]>
					
				
			</description>
      <dc:subject>News</dc:subject>
      <dc:date>2009-09-29T17:45:32+00:00</dc:date>
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    <item>
      <title>Do you present a true picture?</title>
      <link>http://www.ruthbadger.com/blog/item/do-you-present-a-true-picture/</link>
      <guid>http://www.ruthbadger.com/blog/item/do-you-present-a-true-picture/#When:14:59:59Z</guid>
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						<![CDATA[<h3>I do lots of work with schoolkids who often tell me their&nbsp;ambition in life is to<br />become a celebrity.<br /></h3>
<h3>Massive numbers are dropping out of our schools, colleges and universities. Fine if<br />they've got something to do but more and more of them are setting themselves the<br />same unattainable goal.<br /></h3>
<h3>In the same way that this is unrealistic, air brushing sees young girls striving<br />against images of women who have been&nbsp;digitally touched&nbsp;up&nbsp;within a millimetre of<br />their lives.<br /></h3>
<h3>No one is excluded from this.&nbsp;Look at Cheryl Cole - as much as she is a beautiful<br />woman, she is underweight. Yet the media would still air brush her..<br />I couldn't fake my services in business so in the same way it should be a legal<br />requirement to state when air brushing has been used.<br />&nbsp;<br /></h3> ]]>
					
				
			</description>
      <dc:subject>Culture</dc:subject>
      <dc:date>2009-09-29T14:59:59+00:00</dc:date>
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