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Date: Thursday 28 October 2010, two sessions 12:30pm to 3:30pm and 4:30pm to 7:30pm

Venue: Birmingham Central Library, Chamberlain Square, Birmingham, B3 3HQ

Location map 

Status: PRIME event 

Are you over 50 and thinking of starting a business or becoming self-employed? Then come along to PRIME’s FREE taster workshop at the Birmingham Central Library.

BOOK YOUR FREE PLACE

* Decide if self-employment is right for you
* Hear from older entrepreneurs who have gone ahead and started.
* Meet local organisations that can help you
* Meet and network with your peers

More details about the programme will be updated in this post soon.

The emphasis of this event throughout is on helping you establish whether self-employment is the right thing for you. This event is suitable for those still at the ideas stage, and those with a firm plan in mind who are almost ready to go ahead. Find out the practical steps involved and hear from people who have already done it before making the leap.

All PRIME events are free. As a charity we are interested in helping people make the right decision – to start in business or do something else. Our role is to provide you with good information so you can make a well-informed decision.
 

Book your FREE place now

 

Tony Palmer

Tony Palmer of Crystal Mountain Glass

Made redundant at 52, and suffering from Myalgic Encephalopathy (ME), the Job Centre told Tony Palmer that his chances of paid employment were slim. Tony took matters into his own hands and started his own engraving business.

Crystal Mountain Glass sells engraved awards, wedding gifts, decanters, bowls, and paperweights, as well as rock tablets with multilevel carving, and Swarovski crystals. Tony bulk buys the glass from a supplier in Scotland, and engraves it in a 12ft x 15ft workshop in his back garden. Prices vary, with engraved pet tags at £5, Swarovski Suncatchers from £15, and Champions Trophies at £250.

Tony was made redundant in April 2008. He applied for jobs, but was never granted an interview. Tony suspected this was due to his age and health issues, and the Job Centre agreed with him. Tony says ‘I sat down and discussed it with my wife Marion. We chose self-employment because it was the only option’. On the 1st September 2008, the business was launched.

Starting up

Tony cashed in his pension to buy his equipment and start the business. The equipment cost around £12,000 as some of it had to be imported from America. By giving up his pension, Tony runs the risk of relying on job seekers allowance if the business is unsuccessful. Yet Tony is confident in his ability, and so far, all is going well.

Tony’s first step to becoming self-employed was to ‘get advice’. Tony attended free HMRC workshops on tax returns and VAT. This helped Tony decide whether to be VAT registered or not, and helped him understand about accounts and bookkeeping. Tony is now thinking of taking on an accountant to save time, but is clued up enough to know what is what.

Tony took part in Business Link workshops, which focused on starting in business, and creating a website. He plans to attend a further course on increasing website traffic, and has requested an information factsheet (or Cobweb) on the same, from PRIME. Tony’s main tip in becoming self-employed is ‘Get as much advice as possible. It is free and always valuable’. You can find details of free workshops in your area by going to www.primebusinessclub.com/category/events.

Marketing

Tony and Marion attend craft fairs each month. A pitch can cost anything between £70 and £170 for a 6ft area. The fairs are a way of spreading the word, and can often bring in large orders a few months down the line. Tony says ‘people will talk to us at an event, then a sports day or award ceremony will pop up, and they’ll remember and give us a call’.

Tony wanted to employ a website designer, but every quote was 4 figures so he did it himself instead. Tony went to www.123-reg.co.uk and bought a domain name. It was then about £70 for a software package, which allowed Tony to upload information via already formatted templates.

When looking for a glass supplier, Tony made a shrewd move with The Glass Scribe International in Scotland. As well as getting a good deal on wholesale glass, Tony became sole distributor for The Glass Scribe in London. This meant that Tony got a free listing as a stockist on The Glass Scribe’s website, as well as being able to show off his collection to those picking up orders.

Networking

Tony attends a small business club, once a month, in Thurrock. ‘It is good to mix with businesses that are in different stages of development’ says Tony. People share knowledge and tips, and it is also a good chance to gain contacts, and talk about your own product.

Problems

Tony suffers from Myalgic Encephalopathy (ME). ME can cause severe fatigue and malaise after mental or physical activity. Tony’s old job demanded long periods of visual processing; about 60% of the time dedicated to looking at a computer screen. Tony would go for so many weeks, but then have to take time off to recover. Now his own boss, Tony can have what his specialist calls ‘a modified living style’. He brakes up his time in front of the computer, interchanging it with other aspects of the business. As a result, Tony’s ME becomes more manageable.

Seven months after Crystal Mountain Glass began, and the business is beginning to fund itself. But work is sporadic, and Tony and Marion sometimes have to dip into their bank account to keep the cash flow going. This is a temporary solution, until orders become more regular.

What Tony really wants, is enough profit to support a showroom or a shop. That way people could peruse the collection first hand, just like they do at the craft fairs. With an increasing customer base, and regular marketing, it is surely just a matter of time.

Contact

Crystal Mountain Glass
23 Somerset Gardens
Basildon
Essex
SS13 3JJ
Tel: 07504 779038
E-mail: tony.palmer@crystalmountainglass.co.uk
Website: www.crystalmountainglass.co.uk

Date: Thursday 30 September 2010, two sessions 2:15pm to 5:15pm and 6:00pm to 9:00pm
Venue: The British Library Business & IP Centre, 96 Euston Road, London, NW1 2DB
Status: PRIME event

Are you over 50 and thinking of starting a business or becoming self-employed? Then come along to PRIME’s FREE taster workshop at the British Library (centrally located between London’s Euston and Kings Cross stations).

BOOK YOUR FREE PLACE

* Decide if self-employment is right for you
* Hear from older entrepreneurs who have gone ahead and started.
* Meet local organisations that can help you
* Meet and network with your peers

More details about the programme are below.

The emphasis of this event throughout is on helping you establish whether self-employment is the right thing for you. This event is suitable for those still at the ideas stage, and those with a firm plan in mind who are almost ready to go ahead. Find out the practical steps involved and hear from people who have already done it before making the leap.

All PRIME events are free. As a charity we are interested in helping people make the right decision – to start in business or do something else. Our role is to provide you with good information so you can make a well-informed decision.
 

Here’s the latest programme

Session 1- 2:15 pm to 5:15 pm

2.15 pm       Arrival, registration and refreshments.

2.30 pm      Welcome and how PRIME can help.

2.45 pm       Elements of Style of Business

  • Business ideas generation, what type of business?
  • Developing an idea
  • What do you want from your business?
  • Business planning
  • Timescales

3.05 pm        Olderpreneurs talk about their experiences of starting a business.

3.45 pm       Elements of Marketing a Business

4.10 pm       Break

4.15 pm       Available resources locally – British Library

4.25 pm      PRIME Mentoring scheme 

4.30 pm      Question & Answer session, an opportunity ask the   Panel your questions.

4.45 pm      How to network effectively leading to  

5.00 pm       Thanks, evaluation, next steps and future PRIME workshops

5.15 pm      Session close.

Session 2 – 6:00 pm to 9:00 pm

6.00 pm    Arrival, registration and refreshments

6.15 pm    Welcome and how PRIME can help

6.30 pm    Elements of Style of Business

  • Business ideas generation, what type of business?
  • Developing an idea
  • What do you want from your business?
  • Business planning
  • Timescales

6.50 pm    Olderpreneurs talk about their experiences of starting  a business.

7.30 pm    Elements of Marketing a Business

7.55 pm    Break

8.00 pm    Available resources locally – British Library

8.10 pm    PRIME Mentoring Scheme

8.15 pm    Question & Answer session, an opportunity to ask the Panel your questions.

8.30 pm    How to network effectively leading on to speed networking

8.45 pm    Thanks, evaluation, next steps and future PRIME workshops.

9.00 pm    Session close

Book your FREE place now

 

The competition season is now in full swing. There’s still time to enter some of the bigger awards. And on a smaller scale there are also a couple of quick-to-enter competitions with useful small prizes from Paypal and from printing firm Moo.

1. Your Big Year

Your Big Year is a free competition to encourage global citizenship and social responsibility through entrepreneurship. It is now open to applicants.

Thousands of enterprising entrants will compete for the prize of a 12-month trip around the world by raising as much money as possible for a group of short-listed charities.

PRIME is one of the 24 charities that have been selected to receive support from the funds raised by the fundraisers in this competition.

If you see yourself as an enterprising individual who would like to travel the world and help out in local communities, Your Big Year could be just what you’re looking for.

Winners will be given the opportunity to meet World Leaders, celebrities and inspirational entrepreneurs. They will live in different communities, learn leadership skills and join volunteer projects – from teaching children in South America to conservation work in Asia. They will be given the tools and support to share their experiences via the global media.

For more details – and to register your interest – visit www.yourbigyear.com

2. Moo Business Card Project

More a competition than a fancy award, cult printer Moo is offering to redesign the business cards of 500 small businesses. To enter you send them a photo or scan together with a hundred-word plea, and if they don’t like your card they’ll redesign it for free and print you 50 free cards.  Yes it’s a marketing ploy and really a clever  offer, but Moo does boast some wonderful designs. Though the offer site looks American Moo is a British-based company, and the competition is open to businesses in the UK.

3. Win £100 with Paypal and Enterprise Nation

Photo by Onio-n at FlickrClosing date for entries: November 2010
This one is really quick to enter – you just tell home-business site Enterprise Nation what you’d spend the £100 on, using this uber-simple form. You don’t have to wait long either, as 20 winners are announced each month. The competition promotes Paypal as you must have a Paypal account to collect your winnings, but these are easy to set up and already genuinely popular with small businessess (Paypal is the standard payment mechanism used on eBay.

4. Other awards

There are many other awards aimed at larger companies, and some significant awards that apply to just one region or industrial sector. There’s a good list maintained by Boost Marketing at www.boost-marketing.co.uk/awards/.

Note that some awards charge an entry fee. The ones we feature above don’t. Fees can be large – the “Green Business Awards” and the “Internet Business Awards” each cost £250 to enter, while entering the “National Business Award” will set you back £175. Unless you expect to get shortlisted there are probably better ways of spending your promotions budget.

See also elswhere on the Internet:
Business awards – are they worth the cost and effort?

How to win awards (advice on the benefits and costs from Smarta)

Though it takes time to enter an award it can be a useful exercise in presenting your business to others. And if you get shortlisted or win one of the categories you are likely to get publicity for your business – and usually also a prize.

Angela Ricards, Purely Bowen

 

Angela, 55, is a qualified Bowen massage therapist treating horses, dogs and people to help them with pain relief. She discovered the Bowen Technique as a client, having chronic pain issues herself following a car accident. 

 

“It wasn’t a light bulb moment, more a growing awareness that this was possibly the way forward to work for myself”, says Angela. The Bowen Technique is a gentle, holistic and non-invasive therapy that promotes healing and pain relief.

 

Angela was unemployed when she contacted PRIME for help with setting up her business. But she’d already been studying for the professional qualifications needed to become a Bowen therapist while in work – selling homes then working for a major charity. “My working life in the past was a means to an end, to support my greatest love – horses”, says Angela.

 

Angela read an article about PRIME and decided to get in contact. PRIME told her about the ‘Test Trading’ Scheme, a scheme run by Jobcentre at the time to help people on Jobseekers allowance start-up their own businesses whilst still receiving their benefits until the business was making enough money to fully support the individual. Angela went back to Jobcentre and asked to be put on the scheme. She was assigned a senior advisor specialising in self-employment, who fast-tracked her on to the scheme. She was appointed a mentor who visited her every two weeks to ensure she had a business plan, advise her on marketing and ensure that she still received her benefits.

 

“I had never written a business plan before. From information on the PRIME Website and other sources of online help and support from my mentor, I managed to complete a Plan, which I still refer to now.”

 

Angela’s practice, Purely Bowen, continues to grow. She now has a website, www.purelybowen.co.uk.The unique selling point of the business is she is qualified to treat people, dogs and horses. There are less than twenty Bowen therapists in the whole UK qualified in all three modalities. She regularly keeps up to date with current information and developments in human, dog and horse health and attends seminars, training sessions and workshops.

 

“My advice to other potential Olderpreneurs is, don’t give up,  keep your focus and be prepared to find doors opening for you that you had never known to exist”.

 

 “Had it not been for PRIME’s help, I would not be the happy Olderpreneur that I am now. The written information pack was great – really made me feel supported, and I used the website many times.”

Bob Rawal

Bob Rawal of Bell Court Packaging

Bob Rawal, 57, contacted PRIME in April 2010 and was sent a free start-up pack. Later that month he went onto apply for a Zopa-PRIME Olderpreneur loan.

Bob decided to start up his own business after being made redundant twice in three years. Up until this point he had spent 35 years in the medical needle packaging industry. A number of those years were spent working for one company as a production director, responsible for 200 employees, overseeing the shop floor operations for packaging. In November 2009 Bob got made redundant for the second time and had to sign on to Jobseekers Allowance. “I got really down and disheartened at this point and felt like I was being treated as a number”.

Not wanting to be out of work for long he joined an agency and took on some temporary assignments. After the agency took its fee he was getting minimum wage (£5.85 per hour). This was not enough to live on. Bob had a small amount of redundancy money which he was using to pay the bills.

Bob decided he was going to start-up a business in an area in which he had over 35 years experience – packaging. His brother gave him some packaging equipment. But he did not have enough money to cover the start-up costs. He knew in the current recession the banks were not likely to lend to him. After searching the internet Bob came across PRIME’s website and immediately requested a free business start-up pack. Within three days the pack arrived in the post and he read all about the Zopa-PRIME Olderpreneur loan and decided to apply. After going through the application process with PRIME’s Loan Manager and providing a strong business plan, Bob got a loan of £3,500 with an interest rate of 8%. He also put what was left of his redundancy money, £1,600, towards starting up.

Bob says “Without the help and guidance of the PRIME Loans Manager I would have found it very difficult to start the business up. She always kept in contact and chased me up on things I needed to do.”

Bob started up Bell Court Packaging Solutions in April 2010. The unique selling point of the business is offering a mobile packaging service where he will go to a company’s premises and pack onsite. Blister packing, skin packing and hand packing are some of the in-house services offered.  He also advises clients about the most cost-effective and environmentally-friendly ways to pack their goods.

Bob is continuing to get regular bookings coming in. “It’s hard work but I am really enjoying working for myself.”, he says. “The one piece of advice I would give to someone thinking about starting their own business is to keep your chin up and always take care of your finances”

PRIME’s innovative loan scheme with Zopa is made possible by a generous donation from the Bank of America Charitable Foundation. Under the scheme ordinary members of the public lend directly to borrowers who have been pre-approved by PRIME and Zopa. To find out more go to our loans page.

Contact

Bob Rawal

Bell Court Packaging Solutions

bob.rawal@gmail.com

07722920305

Setting up a web site is a high priority by most new businesses. But not everyone has the experience to do it for themselves from scratch – or the money to buy in the expertise from somewhere else.

This is where simple Do-It-Yourself solutions come in. This post updates previous discussion on this topic (see Internet category for earlier posts), and renews two offers we’ve been running for some months.

Example web site page
1. Getting British Business Online – a free basic business web site from Google and BT

There are many approaches you could take, but let’s start with something that is entirely free. Getting British Business Online is backed by the UK government’s Department for Business, Innovation and Skills. It’s run for them by campaigning group Enterprise UK, but the technology comes from Google and BT.

We’ve just had confirmation that this scheme now continue at least till 31st of December 2010. So far 20,000 businesses have taken advantage of the scheme.

To get a web site going you need to register a domain name – which is the web address such as example.co.uk for you web site, find a hosting firm which is where your site will actually live, then design your site and upload all your content. One way simple DIY packages achieve simplicity is to guide you through steps and offer all these services on one place.

With the GBBO package you get:

A free web address provided by BT: Choose from any available ‘.co.uk’ domain name. This is free for two years, after which you can pay to renew it.

Free hosting, provided by Google. Google told us this will remain free forever as long as your site remains below a certain size limit, currently 100Mb. This is big enough for the great majority of simply sites, but you can pay for extra space should you need it.

A free site-building tool: You build your site using an easy Wizard-type tool provided by Google, which lets you upload your own words and images, and alter them later whenever you want. You choose your initial design from a selection of pre-defined templates. You can swap to a different template later or tweak the design if you want to.

To register go to www.gbbo.co.uk

You need to have a working email address and a mobile phone. The mobile is only used once, during the initial registration process. You give the set-up wizard a mobile number, and it then immediately sends a text message to it containing an activation code. You type this code into the on-screen setup form, which lets you continue on to set up your free web site.

The type of web site you can build with the free Google tools provided by the GBBO scheme are fine if all you want is a fairly simple site containing pictures, text and videos. It can do a good job of describing you and your products in a kind of online brochure.

However, if you want to sell products off the page and take payments from customers online, it’s not so good. It is possible to link a GBBO site to Paypal and take credit card payments this way, but currently it doesn’t provide a proper shopping cart facility. This is more what you need if you have number of products you want to describe and sell from your site.

Box photo of Mr Site web site creation product
2. Your own online shop from Mr Site

There are several options here, but one of the simplest for newcomers to building web sites is Mr Site.  This is a paid-for commercial product, but PRIME has just renewed an offer we ran at the end of last year, passing the full 40 per cent discount on to PRIME Business Club visitors.

One reason we like Mr Site is that it is well documented, so if you don’t know what you are doing it you can read an explanation which by web standards is relatively free of jargon. It also has a business focus that makes it very appropriate for PRIME’s audience.

With the discount a year’s use of the Beginner package will cost you £15 rather than £19.99, a year of the Standard package £22.74 rather than £34.99, and of the Pro package £59.9 rather than £99.99.

These prices include the registration of your own domain name (such as www.example.co.uk or www.example.com), the use of Mr Site online web site creation tools, templates and shopping cart, plus hosting for a year. You can use an existing domain name you have already registered.

To get these prices go to the special PRIME discount link and enter the word “PRIME” into the offer code box. You can upgrade between the levels at any time, so you don’t have to worry too much about making the right choice now. If you want to continue using the Mr Site service after a year prices revert to the normal level – these are shown at the foot of the page. Currently they are £20.28 annually for Beginner, £34.88 for Standard and £95.88 for Pro.

The different levels differ mainly in the number of pages you can display and the amount of space you can use for your text and images. The Pro package has the best ecommerce support and features to help make the site more visible to search engines. But all come with a shopping facility with images and stock control, the ability to take payment from customers via Paypal, and with email box.

Paypal is a large international electronic payment service owned by eBay. This means that you have to sign yourself up separately with Paypal for a Paypal account, and pay Paypal transaction charges. But the big plus is that you can get up and running fast and you don’t need to worry about processing credit card payment or getting credit card merchant status.

Customers can pay you straight off your web site (or by email) using a credit or debit card – they don’t themselves need to sign up with PayPal. Paypal can also handle cross-border payments and currency conversion, for an extra fee.

3. Other options

Of course Mr Site and the GBBO scheme aren’t the only way of getting a web site up and running cheaply. We cover some of the others in the site credits description of how this web site is done. For www.primebusinessclub.com we use a lot of Open Source software, which is cheap or free, but unfortunately sometimes quite complicated.

For a person starting out on their own without existing Internet skills the learning curve could be high, and the time spent could divert effort from other areas of the business that need it more urgently.

This means that only some of the many cheap options are worth considering, especially those aimed at beginners with the hosting included, so there is much less of a technical nature to do. Some of these services are free, usually because they are advertising funded, and they can be good way of getting something up quickly and starting to learn about web publishing.

You can instantly set up a free blog at Blogger.com (owned by Google), and at WordPress.com, to name two well-established and well supported ones, with huge communities of users. Typepad only has a 14-day free trial, and thereafter is quite expensive, but is also very beginner friendly and tends to appeal to people in the media or arts or who have visually-appealing products.

Social networking tools such as Facebook and Twitter may be enough if all you require is an online presence that is mainly about yourself, and they are all free. But all three suffer from a trivial image, and Facebook in particular is still blocked by many traditional businesses that fear their employees will waste time on it. This means that though such sites can be very helpful to your business if it relies on word of mouth and personal contact, you may also need a conventional web site too where you can present your offer in a serious manner.

Another option worth investigating if you plan to start trading from your site and taking payments for goods is BT Tradespace. The basic service is free, and you get a shop and the ability to take payments using Paypal. This service also offers opportunities for networking to find customers and suppliers, and for some businesses may be a good place to start.

Tickets are on-sale today from www.startuk.org or by calling 0844 248 5052.

The Prince of Wales is joining forces this Summer with musicians, comedians, environmental experts and some of Britain’s best known companies to create a unique festival in the heart of London.  The Prince is opening up his own gardens at Clarence House, together with his neighbours’ gardens at Lancaster House and Marlborough House this September. 

 ‘A Garden Party To Make A Difference’ is a rare opportunity to visit these historic gardens. It will last 12 days, from the 8th to the 19th September 2010, from 10am to 6pm daily.  There will be a timed entry at hourly intervals with final admission at 4pm. 

The Garden Party is an imaginative part of the Prince of Wales’s ‘Start’ eco initiative launched in February.  The event aims to give people of all ages a fun day out while at the same time, via the exhibits, demonstrating the small but useful steps that all of us can take to build a more sustainable future.

The 12-day Garden Party will be a blend of exhibitions, fun activities and live performances throughout each day from comedians, musicians and speakers. 

Each area of the Garden Party will be curated by a celebrity champion:

Musical Programme created by Jools Holland
Comedy by Marcus Brigstocke and Hugh Dennis
Growing and Gardens by Alan Titchmarsh
Food and The Great Outdoors by Kate Humble
Ecocars by Roger Saul and Kevin McCloud
Debate by Jonathan Dimbleby, Sanjeev Bhaskar & Clive Anderson
Fashion by Dame Vivienne Westwood

Launching the festival, Prince Charles said “I am delighted to be able to welcome visitors into my gardens, and those of my immediate neighbours, for this exciting festival.  We have a fantastic team of talented curators who are helping us create an event which will, I hope, be both fun and informative.  This festival is just one way in which Start can help to demonstrate how we can all make a difference, however big or small the steps we take.” 

Tickets, priced £15 for adults and £7.50 for children are on sale from 9am today. Tickets are timed for purposes of entrance only.  Full details are available on the Garden Party website www.startuk.org

Turn2us logowww.turn2us.org.uk have a free web-based calculator that can help you work out which – if any, benefits you are entitled to receive, and give an indication of how much. It can also give a quick figure for any tax credits you should get, so you can decide whether to claim.

Many people setting up a new business make little or no profit at the start, so Working Tax Credit may well be payable. Once your net profit rises enough you will of course have to give HMRC its cut, so while your income is low it is only right to claim.

Check your entitlement now. Don’t let the banks snaffle up all the money!

Check your tax
This useful INCOME TAX CALCULATOR comes from the same stable, and is free to use on the AgeUK (the merged Age Concern and Help The Aged) web site.

The company behind the calculators is called EntitledTo Ltd. Rather than provide the services direct under its own name (as it used to) it now sells them to organisations including charitities, who may then make them available free. Turn2Us is part of the charity Elizabeth Finn Care.

PRIME is a sister charity to AgeUK – Age Concern England collaborated with Prince Charles in setting it up.

Olderpreneur Suzy Kilgour, 53 has become a specialist fitness instructor, after seven years in the charity sector.

Suzy Kilgour runs Walking Workouts – a fitness business specialising in power walking and low impact body conditioning. Group sessions take place on Clapham Common and cost £14 an hour. Personal training comes in at £40 an hour, and is tailored to the client’s needs. Suzy says, ‘we workout in the fresh air, so you escape the gym and absorb more vitamin D!’

Walking Workouts was launched in 2007 when Suzy was 51. ‘I got into the fitness industry by accident, when I was invited to join the Fit for a Princess team in 2006′ says Suzy. ‘It was completely out of the blue.’ Suzy trained as a fitness instructor, and Walking Workouts was born the following year when Suzy thought of the idea while out power walking on Clapham Common.

One essential tool to Suzy’s power walking business, are her Masai Barefoot Technology shoes. Suzy describes her MBTs as ‘those rather-strange looking shoes that have been designed to improve your posture and gait, and activate neglected leg and buttock muscles.’ The shoes have their own ‘walking technique’, which is meant to reduce stress on knee and hip joints. Suzy found that power walking in her own MBTs improved her knee and back problems and changed her body shape. She says ‘I wanted to help others to improve their own health and fitness.’

Starting out

‘I didn’t want to take any business away from Fit for a Princess, so I started completely from scratch.’ Says Suzy. ‘I did some leafleting, and put up notices in the local shops and cafes.’

Suzy approached female fitness clothing and equipment store Sweaty Betty, to start an MBT Walking Club as a free service for their customers. This introduced her to potential clients and gave the business good exposure on the Sweaty Betty store and website. Suzy also introduced the Walking Workouts business concept to her GP practice and to local physiotherapists.

Another tactic was to write press releases, and send them out to local media. Suzy is always updating her releases, which enables her to send them out regularly. Contacting local or national media is a great way to create publicity, and is absolutely free to do. Make sure you include all your contact details and try to have photographs available to send on request.

Qualifications

In 2006 Suzy took her Central YMCA Qualification (CYQ) Level 2 in ‘Fitness Instructing’ (Exercise to Music).

In 2007 Suzy took Level 3 FitPro Advanced Instructor Modules in ‘Training in Different Environments’, ‘Advanced Resistance Training’ and ‘Exercise Prescription for Fat Loss and Fitness’. Suzy also gained a CYQ and Leki certificate in ‘Nordic Walking’.

The qualifications give Suzy accreditation as a professional fitness instructor, and give her a variety of styles to use in her classes.

Age is no barrier

Suzy’s mantra is ‘50 is the new 30.’ Suzy passed her fitness qualifications at 50, and leads an extremely active lifestyle.

‘When I was approached by Fit for a Princess’ says Suzy, ‘I said “You do know I’m 50, don’t you?” But it wasn’t a problem, and I haven’t looked back since.’ Age is certainly not a problem for Suzy’s clients, who can range from 30 – 88 years old.

Skill Voids

When Suzy first became self-employed in 1990, she had never used a computer. Suzy taught herself the basics, and gained experience as a freelance travel writer and marketing consultant. But running a business demanded a bit more.

Suzy used Mr Site (www.mrsite.co.uk) to create her basic website. You choose a package – £20-£100 depending on how much you want on your template. Then you select the style, number of pages, and edit the content. Visit www.primebusinessclub.co.uk for a Mr. Site discount. Suzy brought a local web designer on board, to personalise the site to her own specifications.

Most libraries offer free computer courses for the over 50s. If not, contact your local council, who will be aware of support in your area.

Bookkeeping and accounts were a worry for Suzy, so she employed an accountant. Hiring in a professional is one way of covering your weak points. If you have a small budget, you can offer to trade one of your own services instead of cash. Or you can employ someone on a temporary basis, and learn from them, so you can take over when they leave.

Business Support

Suzy took part in the free Enterprise on Track course, run by London Metropolitan University. ‘It was useful in lots of ways’ Explains Suzy. ‘I found a peer mentor group which has been a great support. Running a business can be very isolating. I would definitely recommend finding someone to mentor you as soon as possible.’

The course made Suzy think about what she wanted out of her business. ‘To make it fly, I would have to put all of my time and passion into it. It would have to be my ultimate dream’ says Suzy. ‘But in the end, other things were more important, and I decided to cut back on the business and spend more time with family.’

The decision to go part time means Suzy has a lot more freedom. She now runs just one group class per week, and takes on more private work, which is flexible. Suzy is financially stable enough to not need her business income for survival. So Walking Workouts is a ‘hobby-business’ that keeps Suzy active, and brings in some extra cash.
Contact
Suzy Kilgour
Walking Workouts
Tel: 0207 585 1344
Mob: 07980 650 951
Email: info@walkingworkouts.co.uk
Web: www.walkingworkouts.com  
Hilary Farnworth
Manager, Centre for Micro Enterprise
London Metropolitan University
Business School, Room 1-11
84 Moorgate
London, EC2M 6SQ
Tel: 020 7320 1573
Email: hilary.farnworth@londonmet.ac.uk
Web: www.londonmet.ac.uk

To make its material more accessible, PRIME is having its most popular booklets and guides redone as downloadable PDFs that can be printed out on ordinary A4 ink-jet and laser printers.

We are taking the opportunity of also having large-print versions made, with a minimum text size of 16 point (the industry norm is 10 and we normally use 12 point). This obviously means fewer words fit on a page, but rather than crudely blowing things up we are reflowing the text and images properly and redesigning where necessary, so the large-print versions should look as attractive as the original documents.

First to be done and downloadable immediately for free (right click with your mouse and use Save As) are these four titles.

If you need anything else from PRIME in large print just ask us. We may not be able to produce all our documents and reports in as polished a style, but we will send you something readable.

Normal size versions are also available in a version that is suitable to print. This way you save trees!

Ideas for business, a practical guide and workbook

Local business support in the uk, a directory of where to go for help for people aged over 50

Get help with finance for your business, a leaflet about PRIME’s over-50 loan scheme

Top 10 things that can kill your business, a leaflet about avoiding common business pitfalls

Working for Yourself a practical guide to sales marketing and preparing a business plan.

Bob WhiteAfter 30 years in finance and leasing, 58-year-old Robert White has started a new trade as a domestic energy assessor.

West Bromwich man Bob spent 30 years in finance and leasing, as sales manager, business development manager, and managing director. With the recession the market declined, and Bob found himself made redundant three times in three years. ‘I didn’t want to rely on others for my employment, and I didn’t want to be made to retire while I was still fit for work’ explains Bob. ‘Self employment was a way to take control.’

Bob’s business IDEAL (Independent Domestic Energy Assessors for your Location) provides EPCs (Energy Performance Certificates) and HIPs (Home Information Packs) for the Greater West Midlands area. IDEAL serves local estate and letting agents, housing associations, local authorities, private landlords and solicitor and conveyancing agents, as well as assisting private individuals who wish to get certificates or advice before making home improvements.

Bob says ‘since the 1st October 2008 regulation has changed to state that all properties must have an EPC.’ The certificate grades the building’s efficiency from A-G, showing how this could be improved after recommended modifications. Bob’s services cost around £60 for an EPC, and £250 – £350 for a full HIP’s pack.

Starting up

Bob researched several business ideas including energy assessment, franchising a travel agency, and finding cost reductions for businesses. Bob chose energy assessment because start-up costs were cheaper, and because the training college in Reading, The Energy Assessor College promised immediate work after qualifications had been obtained. This promise never materialised, and Bob has learnt to be wary of small print.

In March 2008, Bob attended a PRIME self-employment workshop. The event included where to go for local support, the basics about starting up, and a networking session. Bob says:

‘It was good meeting like minded people – finding out where they went wrong, and where they went right. We heard one couple talk about their curtain business, and it was interesting hearing about how they did their marketing.’

Business Link provided useful advice about how to manage cashflow and business costs. They provided a cashflow template, and gave Bob some contacts to ring about setting up a website.

Training

In February 2008, Bob did a Diploma in Energy Assessment costing £4,000. Bob studied for about six months, and covered five modules. Exams were taken at the end of each module, and Bob had to talk a lot of friends and family into offering their house up for a practice survey.

After passing his Diploma, Bob became accredited with the National Home Energy Rating scheme (NHER). The accreditation proves that IDEAL meets quality control standards, and allows him to trade legally. Bob pays an annual subscription of £250 plus VAT to be a member of the NHER. Bob’s contact details, website, and services are listed on the NHER site, and can be searched for via postcode.

Marketing

Bob’s main marketing tool is his website. He stumbled upon printing.com while researching local printers. Bob found that the company friendly and keen, and took up the offer of an all-in-one service. Bob says ‘I wanted a professional website to give me a presence. I spent about £1000 and got the website, leaflets, letterheads, compliment slips, business cards, and logo included in the package.’

Bob decided against newspaper advertising after realising it was expensive, and not used by others in the industry. Instead Bob got the word around by knocking on doors and introducing himself:

‘I went to estate agents and letting agents and gave them a business card and flyer. Whether they were interested or not, they all asked for a price.’

Bob’s tip is:

‘Never quote a price. Say “Can I come and see you?” That way, you can understand what the client needs, explain how you will deliver it, and negotiate a good price.’

Age is no barrier

Bob claims that age does not need to hinder, but can instead, be used as a sales tool. Bob is convinced that he got his first deal with a letting agent by emphasising his years and experience, and assuring his client that he would be respectful and professional.

Expanding

A year after starting IDEAL, Bob is looking for ways to expand. One idea is to become a sales agent for renewable energy products, such as wind turbines and solar panels:

‘The changing climate means that these products are already being recommended by the government. It is only a matter of time before they are compulsory’.

Contact

Bob White
IDEAL
64 Europa Avenue
West Bromwich
West Midlands
B70 6TU
Tel: 01215531770
Mob: 07950 786282
Email: robert@idealenergyassessors.co.uk
Web: www.idealenergyassessors.co.uk

HMRC’s online calculator for working tax credit and child tax credit is back online, after a gap of several years. It allows you to enter your details to see if it’s worth claiming – you’re not asked for a name. The over 50s are one of the groups most likely to NOT claim tax credits they are entitled to.

Alternative link if the first one doesn’t work.

Susan with CharlieSusan Port, 57 from Warwickshire started her own business after retiring due to chronic obstructive pulmonary disease (COPD). In July 2006 Susan became the UK and EU sole distributor for Babynobumps Ltd, a company which provides safety hats, to protect babies’ heads from bumps and scrapes. Three years down the line, Susan is in talks with multinational retailers Mothercare – a deal that could help babynobumps onto the high street.Susan worked for the Royal Mail for fifteen years, but was medically retired due to COPD. COPD is a progressive disease that makes it difficult to breathe, and so working amongst dust was hazardous to Susan’s health. Becoming self-employed and working from home means that Susan can be in a cleaner environment that is ‘without stress’.

Susan first spotted Babynobumps Ltd while trying to find a hat for her granddaughter. Susan tried to make one herself by copying the design; – a colourful foam safety helmet which prevents babies from harming themselves. Susan thought about how many other babies might need the same protection. Susan emailed the product owner in Canada and introduced herself. A series of phone calls and emails over a two-month period, won Susan sole distribution for the UK and EU. Susan says it was ‘her belief in the product’ and ‘friendly nature’ that clinched the deal.

Funding

Susan had her business plan in place, but there was no financial help to aid start up costs. Susan explains that there were no government grants or loans because Leamington Spa is considered ‘affluent area’. Even though Susan was not part of this affluence, her postcode meant she was ineligible for funding. Susan could not apply for a private loan, because her medical retirement suggested did not have the ability to work.

Susan overcame funding restrictions by borrowing money from her parents, and Babynobumps Ltd was launched in July 2006.

Starting Up

Susan’s first move was to approach Business Link. Unfortunately they were unable to provide much help, and recommended a subsidised consultant from their books. Susan paid money to meet up with the consultant, but found her own research to be much more valuable. Susan advises people interested in self-employment, to avoid using a consultant. She believes that good guidance can be obtained for free via business support groups, banks, and the Internet.

The Internet was an invaluable tool for all aspects of business. Susan used forums such as Giant Potential and UK Parents Lounge, to ask questions and soundboard ideas. The forums are great for research, advice and networking; especially for Susan who shied away from socialising at business clubs. Susan still checks the forums every Friday afternoon to keep her finger on the pulse, and continue to spread the word about Babynobumps Ltd.

Marketing

Susan acquired her own website through 19-year-old grandson Jamie Brown. Using basic html, Jamie was able to create a straightforward, easy-to-use site, which allowed customers to find out more information and buy online. Susan ships in stock from Canada every two months, and sends out her own orders via royal mail. If payments are received before 4:30pm, Susan will get the product out that evening.

In addition to the website, Susan markets the safety hats at baby shows. Similar to craft fairs, a pitch at a baby show will cost around £20, and bring in sales and publicity. Most of these events are local, but Susan has travelled as far as Sheffield to promote the business. The baby shows are a cost-effective way of marketing, and fairly reliable. They are now Susan’s main medium for advertising.

Susan did experiment with newspaper advertising, but suffered a blow when she paid for an advert in a mother and child’s magazine that was not distributed. Trading Standards are investigating the case. Susan found that it was too expensive to market ‘in the right places’, so stuck to word of mouth, exhibiting, and her own website.

Future

Since starting Babynobumps Ltd, Susan has achieved a gradual increase of customers. She has regular clients, and is now in talks with multinational retailer Mothercare. The well-known baby store is considering a new section, providing safety products for children. Susan tells me that 92% of baby items are bought from Mothercare, and that it would raise her profile considerably. But the deal is not straightforward. Wanting consistency and security in their business transactions, Mothercare insist that suppliers purchase a particular invoicing software, priced at £800. If Susan can negotiate a substantial contract, the deal should bring in good profit, get the product into shops, and move Susan towards her ambition of making Babynobumps Ltd a global brand name.

Susan believes that self-employment has brought her the best of both worlds. She loves her work, but does not have to shut her family out. Susan can work flexible hours, instead of being restricted by a 9-5 routine. This means she can take her three-year-old grandson to afternoon nursery school, while still maintaining the business.

Contact

Babynobumps Ltd

6 Denby Close
Leamington Spa
Warwickshire
CV32 7PS
Tel: 01926 739858
Mobile: 07875151651
Email: babynobumps@yahoo.co.uk  
Website: www.babynobumps.ltd.uk

Anne Walsh, 53 from Manchester, went from BT operations manager to quirky craftswoman, when she applied for voluntary redundancy.

BT operations manager Anne Walsh was the breadwinner for a disabled husband and three children. Fed up with her office job, Anne promised herself she would change her life when she turned 50. Anne applied for voluntary redundancy, sold her Porsche, and bought a van. She began to make gifts for family friends, and to sell on eBay. Anne made flowers out of socks, cakes and trifles out of soap and face cloths, and large cakes out of baby’s nappies. Anne says ‘the cakes definitely started as a hobby, but more and more people wanted them, and it soon became a business.’ My Unique Gifts now caters for a wealth of occasions from births and weddings to dog and cat pampering, with products ranging from £3.95 to £55.

Research

Anne’s first idea was the ‘nappy cake’. This is a fake cake made of disposable nappies, which Anne saw on holiday in San Francisco in 2001. Anne researched the product on the Internet and found that though extremely popular in the US and Canada, the nappy cake was barely on the British market. Anne purchased a ‘teach yourself’ DVD, and began to experiment. My Unique Gifts now boasts a whole range of nappy cakes from single to five tiered, complete with 96 nappies, two bottles, a pair of baby socks, baby suit and matching hat or bib, receiving blanket, crystal keepsake, photo frame, and soft toy.

Training

When Anne registered with PRIME in 2009, she was told where to go for business advice. She attended a free HMRC Business Advice Open Day, where PRIME hosted a seminar on working for yourself. Anne then booked herself onto a free HMRC workshop on self-employment tax issues. Anne says ‘both events were extremely helpful in getting to know the basics.’ But she did leave some things to the professionals, and hired a bookkeeper to document her accounts. The rest of Anne’s training was simply trying new things and learning as she went along.

Marketing and development

An early marketing tool was to circulate an email round Manchester College. A family friend, worked at the college, and sent out pictures of Christmas cakes that were on offer. This was very successful, and large orders flooded in. Anne now keeps her own mailing list, and sends out details of new gifts, or seasonal promotions.

Anne attended a craft fair with her Daughter in the Lake District, and was thrilled by the positive feedback her gifts received. The buzz spurred her on and Anne began to go to craft fairs and farmer’s markets on a regular basis. This brought in repeat customers, and the business began to expand.

Anne is now considering larger trade markets and has applied for her first two day event, the Stars and Stripes Classic American Car Show in Cheshire. Larger markets are £25 – £60 for the pitch; more expensive than the small craft fairs Anne is used to. But they provide a great opportunity to hit a larger and more commercial audience.

When going to get a logo painted on her van, Alan, the graphic designer gave Anne a tip. He recommended investing in a 0800 number. This means that if Anne’s real number (or ghost number) changes, the business line will remain the same, and customers will not be lost. The freephone number costs Anne about £60 a year. Calls cost an extra 4p a minute, but Anne keeps costs down by using her answer machine to take messages, then phoning people back from her landline, which has free minutes.

Anne’s main marketing weapon came in the form of stepson Steven Walsh. Steven is the Director of Marketing Success Unlimited, a company which specialises in branding and marketing campaign management, with a focus on online marketing. Steven provided Anne with business cards, letterheaded paper and flyers, and crucially created her website and online shop. This made Anne’s products more visible and accessible to customers outside Manchester. It also allowed people to pay by credit or debit card, which made the transaction process easier and safer for customers.

Problems

Anne’s main problem was finding suppliers that would keep the costs down. Where the Internet had proven an invaluable research tool in other areas, a lot of old warehouses were just not online. The Internet pointed to expensive and commercial manufacturers, and Anne had to dig a lot deeper to find wholesalers that provided a cost-effective price. Word of mouth became the best resource here. Anne asked friends that worked in retail, and got some good leads. Finally she was able to get her materials at a bargain, and bring down the asking price of her own gifts.

Future

Anne’s business is steadily growing and expanding. With each request, more socks and nappies are taking over the house. On 1st June 2009, Anne opened a shop and workshop, giving her business more space and achieving her target for 2009.


Contacts

Anne Walsh
53B North Road
Droylsden
Tameside
Manchester
M43 6NN
Freephone no: 0800 043 7156
Website: www.myuniquegifts.co.uk

Free Cobwebs (information factsheets) on renting, buying and choosing business premises are available from PRIME on request.

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