Famous Scottish Entrepreneurs

Invention and entrepreneurship are concepts that are synonymous with Scotland. Scotland has a long standing tradition of producing world renowned inventors and entrepreneurs. The invention of the steam engine, television and penicillin can all be attributed to Scottish inventors and in this article I would like to highlight some of the most famous Scottish entrepreneurs of recent years.

Arnold Clark

Sir Arnold Clark grew up in Glasgow and joined the RAF in 1944, aged 17. He rose quickly through the ranks eventually becoming a Corporal and a Motor Mechanics Instructor. Upon leaving the RAF, Clark began buying and selling cars, and opened his first showroom in 1954 in Glasgows Park Road. Arnold Clark Automobiles is now the largest car dealership in Scotland, with over 145 car dealerships throughout the UK.

Michelle Mone

Michelle Mone OBE is the co-owner of MJM International and creator of Ultimo. She grew up in Glasgow and began her corporate career with Labatt Brewers. She rose quickly through the company and was running the Sales and Marketing department by the time she was 20. In 1996, came up with the idea to create Ultimo after wearing an uncomfortable bra to a dinner dance. Today Ultimo is one of the UKs leading designer lingerie brands.

Sir David Murray

Sir David Murray was born in Ayr in 1954 and educated at Ayr Academy, Fettes College and Broughton high School. By the age of 23 Murray had set up the metal company, Murray International Metals Limited. The Murray Group has expanded to include a wide range of industries including property, call centres, venture capital and mining.

Sir Brian Souter

Sir Brian Souter is another famous Scottish entrepreneur. Sir Brian Souter started his working life as student bus conductor while studying at University. Upon finishing University, Sir Brian Souter began working with Arthur Andersen, a leading chartered accountancy firm. In 1980, using his fathers redundancy money, Sir Brian Souter established Stagecoach Group with his sister. Thirty years later Stagecoach is one the largest transport companies in the world with 13,000 buses, coaches, trains and trams, employing over 30,000 employees worldwide. Sir Brian Souter also founded Souter Investments and the Souter Charitable Trust.

Hedge Funds – How To Make The Right Investment Choices

After the 2008 world economic crisis, finding the right investment vehicles seems much harder and trickier. Worldwide currency, which everyone believed in, has shown its face value and, overall people have lost their confidence in the popular investment means available on the global market. However, one of the post crisis positive effects is that individuals became more aware and cautious about the significance of managing their resources appropriately and securing their assets.

Although the present day market openings sets forth an apparently endless variety of choices, making the right investment is all about selecting that alternative apposite for your means, objectives and goals on short, medium and long term. Resorting to professionals is one of the best ways to drive your worth to the right target as long as you manage to find some trustworthy, skilled, and dependable experts.

In nowadays context, the hedge fund is fairly set at the higher end of the investment opportunities scale. Working as a private pool of capital, little known to the wide public, such funds rather address the sophisticated investor that can afford hefty net investments in the prospect of likewise gains. Unlike most types of funds, a hedge fund gathers capital from a fairly limited number of individuals and, naturally the investment amounts are significantly greater, being typically believed to range between one million and six million dollars. Nevertheless, there is no investment maximal threshold regulation in place.

The hedge fund is actively run by a manager, who is in charge with all financial strategies and decisions. Once in, the investors can not set a veto on his decisions. Drawing back the capital ahead of a predetermined time span usually calls upon considerable penalties, which remain in the fund and are finally split between the remaining investors. The hedge fund manager takes up an operational commission and a performance brokerage.

In comparison with other type of investments, the hedge fund primarily differs through a wider range of investment strategies it can adopt and a more regulatory-free area of action, including short selling and hilt leveraging. No such fund is risk free, yet primarily depending on the objects of ventures, the manager can draw in high gains with relatively small risks. For instance, precious metal investments have proved to be such nest eggs. Although, one needs to be no expert to know that investing in gold – the ultimate safe heaven of all seasons- is the right investment choice for all kinds of financial portfolios, the profits of a hedge fund may considerably overrun those achievable from independent investments.

Great Investment Tips For The Current Recession

With many headwinds threatening to send the US back into a recession, many smart investors are focusing their portfolios on only the income generating stocks and commodities (especially precious metals) that still have room to run.

Many astute economists now admit that the hangover from the financial crisis is still playing out and while many people are panicking and losing money there are many areas of growth out there at the moment. Investors just need to look past all the doom and gloom that is out there and being written in the papers and economic journals.

The 7 best ways to protect yourself from the coming economic troubles include:

1) Focus your efforts on High quality businesses and stocks that have A-Type balance sheets and strong yields.

2) Stocks that only provide reliable dividends and have a proven track record in a weak economic environment.

3) Choosing stocks and bonds that show low debt to equities ratios and high liquid asset ratios currently. This is really companies with good balance sheets and no heavy debts lingering from the financial crisis.

4) Choosing the hard assets such as oil and gas royalties, and similar real estate investments with a long term focus on various income streams.

5) Choosing sectors and companies that have high variable costs, and low risk entries such as utilities, consumers staples and especially health care services.

6) Choosing areas such as high growth potential in the Alternative / Clean energy sectors. Or also sectors that are not heavily reliant on bullish equities markets and volatile market swings.

7) Subscribe to the free trends alert with all the latest and greatest tips for investing in a poor economy at with regular updates from some of the best investing minds and forecasters in the world.

The best thing about a weak economic environment is that good opportunities stick out like a sore thumb. You just have to be on the lookout for them. Do not think that there are limited opportunities out there at the moment. There is an era of very aggressive growth coming when the US recovers from this credit crisis hangover. The best time to ride the coat tails of this booming period is before it happens. That time is right now, when everything is cheap and flat lining.

The best bet is to never put all your eggs in one basket. There are always opportunities out there, and no one ever made lots of money but not diversifying. Investment diversification will be your friend in the next few years at the US and economic situation start to get better.

Several Pointer Before Starting A Flower Shop Business In The Philippines

Setting up a flower shop in the Philippines to sell authenticated Flowers Philippines for Filipinos isn’t as easy as anybody could think. Just like any other flower shops around the world, there are several factors that people who wanted to start this kind of business should think about. Unlike setting up a simple “Sari-Sari” store (small convenient store), setting up a flower shop requires talent and skillful hands, one of which is the skill with floristry.

Floristry is the general term used to describe the professional floral trade. It encompasses flower care and handling, floral design or flower arranging, merchandising, and display and flower delivery. Wholesale florists sell bulk flowers and related supplies to professionals in the trade. Retail florists offer fresh Flowers Philippines and related products and services to their Filipino consumers.

The craft of floristry involves various skills. These involve:

* Selecting flowers that will look good together (based on principles of design or general instinct).
* Knowing how to cut flowers.
* Knowing how to treat flowers.
* Knowing how to arrange flowers and other stock plants so they will remain fresh as long as possible.
* Knowing how to selling them, which involves knowledge of customer requirements and expectations.

Other skills involve:

* Knowing how to form wreaths which may involve many different types of flowers and plants, and often include ribbon and artificial product.
* Knowing how to form bouquets which may involve several other materials other than putting up different flowers and colors.
* Knowing how to form corsages, much like bouquets, involves arranging flowers for women’s use.
* Knowing how to form boutonnires/’buttonholes’, much like bouquets, involves arranging flowers for men’s use.
* Knowing how to form artificial arrangements and other more complicated arrangements.

Other than selling Flowers Philippines, some flower shops also stock gift baskets, fruit, and chocolates. Floral business is seasonal and is heavily influenced by the following holidays and events. These events are as follows:

* Valentine’s Day in which the majority of customers would involve young adults with the girlfriends and married men.
* Christmas. Flowers are occasionally used as a gift given to anybody. Again, majority of the customers would involve young adults with the girlfriends.
* Graduation days in which schools occasionally order large quantities of boutonnires and corsages for their graduating students.
* Mother Mary’s birthday. In Filipino culture, it is tradition that people, commonly children, offer flower to the blessed Mother Mary on her birthday which is held every 8th of September.
* Mother’s Day in which flowers are always the favorable gift.
* All Souls Day in which flowers are customary gift or offering for the dead.
* Weddings and Funerals.

Visit the website .

Outsourcing Web Development Company

Outsourcing is when you contract out your work to any other company for a large period of time. The party which gets the work is responsible for finishing the work successfully. When a firm outsources its business function to another firm, it does so to concentrate on other core aspects of the business.

Finding the right web development company for your project can be a daunting task, with development companies becoming smaller and more widespread, even a simple local search may return hundreds of possible providers, so how do you go about choosing the right company, with a degree of confidence they have the rights skills and experience to deliver your project on time and on budget.

Similarly a company which wants to outsource web development to another company, it does so to make it more profitable than doing the work in-house. The reasons can be many. We can take some scenarios and see how businesses can benefit from outsourcing to a web designing company or a web development company.

Consider a web development company in a country like India, USA. They are approached by a client for a project to be done using a latest technology in which they don’t have the expertise. Now the firm has to either let the client go or outsource web development to another firm who have the required expertise. That way they not only get a client they also manage to broaden their services if they strike a successful relation with the web firm they outsourced their work to.

Once you have sent out your brief the response can tell you a lot about the professionalism and competence of a company.

If they outsource the work to an offshore web development company, they will not only save on these costs but will also get the work done at a fraction of cost they would be charged for in their country.

What An Seo Geelong Company’s Services Can Offer You

The majority of all business owners have trouble with directing Internet traffic to their website when beginning. Some are even clueless as to how they can receive more traffic and lose hope as time passes. Don’t be one who loses hope. Instead, you can visit an SEO Geelong company who can help to direct oodles of traffic to your website.

SEO Company Can Help With More Traffic

The advantage of going to an SEO Geelong company for developing traffic, is that you can build up a reasonable amount of traffic in a short period of time. An SEO company that has experience working with SEO Geelong customers is going to have developed a level of skill. The reason is because they work their trade day in and day out, which eventually accumulates to having a greater skill.

In Five Seconds An SEO Company Can Change Your Life

That is, if you take the five seconds to get into touch with an SEO Geelong company you will not regret it. It is going to mean that you have more traffic on your website, and in the long run, the more traffic that you have, the more potential for sales that you have. There is certainly the potential to grow wealthy due to a good SEO company working on your website. What could be more important in those five seconds than getting rich?

Are You Bad At SEO? No Problem! Outsource It To A Company

SEO can oftentimes be difficult for the average person to grasp. This is why it would be useful to outsource the work to an SEO company because not only would you be creating a job, you would be getting rid of the tedious work that you cannot seem to get it, anyway. It is much more efficient to give the work to someone who will truly do a fantastic job.

Look Out! Good Things Are Coming Your Way

Do you ever feel like something is about to hit you? Well, what if that something that hit you was the best thing that ever happened to you? Wouldn’t it be cool if your next million was made due to one of these mysterious, good things coming your way?

When looking for an SEO Geelong company, you want to look for a company that has your best interests at heart. If they seem to be all about making a quick buck, then you would be wise to run the other direction.

Three Things to Look for In a California Financial Advisor

You have finally reached a level of income and assets that you need to find a conveniently-located financial advisor in California to get you to the next level of wealth building. Congratulations, because that is a good problem to have. The right financial advisor can not only steer you in the right direction, they can also do something for you that you probably never thought necessary; they can teach you about your own money. Like it or not, you can be, and probably are, your own worst enemy when it comes to managing your money.

The laws are different on the West Coast, so you are going to want a California financial advisor, not a voice on the other end of the telephone and on the other end of the continent. Beyond very specific advice, here are some general guidelines that will help you find the professional help that is right for you:

No Commissions

Right or wrong, consciously or unconsciously, an advisor who works on commission can have their judgment clouded by an individual transaction. Instead, look for an advisor that charges a fee instead of a commission. Do not be fooled by advisors who tout their service as fee-based, which simply means they charge a fee and a commission.

One resource you can use to find a fee-only or hourly financial advisor is the National Association of Personal Finance Advisors.

Meaningful Certification

It comes as an unpleasant surprise to many seeking financial management; the only requirement to be able to legally give financial advice or to buy and sell assets is a passing mark on a test about securities law. If they are going to going to sell insurance, they will also need an insurance license. Just about everything else is mere filler.

The one designation that still retains meaning is CFP, which means that the recipient has underwent a thorough background check, has passed a comprehensive test covering all aspects of financial planning, and has at least three years of experience in the field. To maintain that rating, they must enroll in continuing education to stay current.

The Voice of Experience

The generally accepted length of the financial business cycle is seven to eleven years. Therefore, if you only consider hiring a California financial advisor who has served in that capacity for at least ten years, you will have the advantage of working with someone who has experienced firsthand the peaks and valleys of the investment landscape. When it is your money on the line, a cool and steady hand is what is called for.

There are risks associated with any investment plan, and past success is not an absolute predictor of future performance. But by following these three simple guidelines, you can maximize your chances of safe and steady financial growth.

For more information about California Financial Advisor, please visit our website.