Home 3 Tips for a Good Investment Mindset

3 Tips for a Good Investment Mindset

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It’s one thing to make money, but it’s another thing altogether to invest that money in a way that yields appropriate returns, and that doesn’t make the entire exercise redundant, or worse, counter-productive.

Of course, there are plenty of different ways to invest your money – but just as important as the particular method you use for investment, is the mindset you have with you with regards to investment.

Here are just a few tips for developing and maintaining a good investment mindset.

  1. Find ways to enjoy and have fun with the process

If you genuinely enjoy and have fun with the process of studying and making profits through forex trading, then you should probably be involved in forex trading.

Likewise, if you’ve got a passion for automobiles, it might be a good idea to direct some of your investment resources down that channel.

Generally speaking, you will be more diligent, more consistent, and more successful, if you are able to find ways to enjoy and have fun with the process of investing your money and managing your investments.

It might be that there’s a particular investment path available to you that, for one reason or another, you can’t stand. Even if it would make reasonably good sense, on paper, to go with that investment strategy, it might nonetheless be better for you to avoid it in this scenario.

  1. Consider the benefits of being frugal in the short term, and ambitious in the long term

Investment, at its core, is essentially the process of practising deferred gratification in such a way as to get the greatest possible return on investment over time.

That being the case, it should be pretty easy to see how compulsive spending in the here and now would be detrimental to your ability to invest and turn a profit.

It’s a useful mental exercise to consider the benefits of being frugal in the short term, and ambitious in the long term, and to remind yourself that opulent displays of wealth in the here and now are likely to have a significant negative consequence somewhere along the way.

Among other things, impulsivity and lavish spending are generally signs of anxiety – driven by the sense that if you don’t spend your money now, you’ll never get the chance to spend it.

Working from a place of anxiety is certainly not a good idea when it comes to making good investments.

  1. Always be on the lookout for new and better opportunities

Always being on the lookout for new and better opportunities is a good exercise in terms of your professional life, and also in terms of your investment portfolio.

While you certainly want to avoid being hasty or reckless, it is nonetheless the case that identifying the “right time and right place” to get in on a particular investment is often an extremely significant and powerful way of enhancing your portfolio and making a significant profit.

To that end, it pays to see what new developments are afoot at any given moment, to survey the investment landscape, and to get a sense of which way the wind might soon be blowing.

Home How To Tell If You Got A Good Return On Your Business Investments

How To Tell If You Got A Good Return On Your Business Investments

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What is a business investment? 

Effectively, it’s an investment you make in your company with the aim of improving it. For example, digital marketing is an investment, a fleet of vehicles is an investment, and so on. You can pump a lot of money into your company with the hope of seeing big returns. The critical question is, how do you tell if you got a good ROI or not? 

Realistically, there are some crucial metrics that help you figure out if things have gone well or not: 

Sales Figures

Take a look at your sales figures before and after your investment. Has there been an increase in the number of sales you make every month? If there has, then this is a pretty solid sign that the investment yields impressive returns. By pumping money into your company and investing in a certain area, you’ve managed to bring more money in via sales. 

It’s one of the simplest things to look for, and a decrease in sales obviously tells you that the investment didn’t have the desired effect. However, don’t rely on this metric alone, there are others to take into account. 

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Website Analytics

After making an investment, you need to pay close attention to your website analytics. Why? Because it will provide you with so much information about your company. Web analytics let you see things like traffic figures, bounce rate, clicks, lead generation, and so much more. It might be worth looking at online strategic intelligence masters programs, so you can understand all of the analytics and stats available to you. This way, you can make sense of all this data without needing to spend even more money hiring an expert to look at it for you! 

Ideally, you want to see improvements across most of your stats. If your website is gaining more traffic and generating more leads, then that’s a very positive sign. Likewise, if you’re soaring up the web rankings, then it’s an indication that the investment paid off. Web analytics can also provide information on specific things that you may have invested in. For example, if you spent a lot of money on an online advertising campaign, then you can view stats that tell you how many visitors came via your ads, whether or not they made purchases, etc. It’s a clear way of seeing how successful some investments are. 

Profit Margins

As mentioned earlier, increased sales figures tell you that your business is bringing in more money as a result of your investment. However, this only tells half the story. While you should still take it as a positive, you need to view your overall profit margins as well. 

Consequently, this shows you if you’re actually making more money thanks to your business investments. It may transpire that you’re making more sales, but the cost of the investment means you’re spending too much money and making a loss. A successful investment helps you make more money while spending less. Thus, your profit margins increase. 

The next time you invest in something for your company, make sure you check these three things. They will help you see how successful the investment was, and whether or not you need to re-assess your approach. 

Home Do You Have What It Takes To Run A Business?

Do You Have What It Takes To Run A Business?

Do You Have What It Takes To Run A Business

Running a business is no simple matter. Even with the best idea in the world, you need careful planning, an aptitude for numbers, and most of all the ability to drive forward when times get hard. Because they will, at times, get hard. That being said, you need to have the ability to transform an idea into a sellable product or service, and you need to learn how to do that. 


Educate yourself as you go into this business journey. A good entrepreneur never stops looking how to get ahead, and this can be done through research and a constant commitment to accumulating knowledge. A good entrepreneur takes reading very seriously. The average CEO reads four to five books a month. While this might seem like a lot to fit in, it works out around 45 minutes per day. Reading about business, new technologies, or anything that interests you and you can learn from, will help you to absorb new knowledge and find new ideas. If you still think you don’t have time to read in your day, consider listening to audio books, or using time spent commuting to read. The average person spends 4.35 hours a week commuting, which would be the equivalent time spent reading one book. Think about the hours wasted commuting, and see if you can’t convert it into a more productive experience. 

Turn any obstacles you have into challenges to learn from

Most successful entrepreneurs turn any obstacles they might face and transform them into an opportunity for learning. Young entrepreneurs tend to lack experience, and as such will inevitably make mistakes, and fail many times. The difference between a successful entrepreneur and a normal person, is their ability to learn from each failure and get up having learnt from their previous mistakes. Turning challenges into opportunities will allow you to build a successful business, if you have the right kind of attitude.

What kind of entrepreneur can I be?

You don’t have to go into business with a singular idea or business plan. There are many ways to be an entrepreneur that don’t necessarily follow the traditional business route. Rather than taking on someone else’s business ideas, think of your own. This way, it will be your vision that drives the business forward, rather than having to rely on someone else’s. If you’re stuck for ideas, but know you have what it takes to run a business, take a look at simonstapleton.com for some entrepreneurial advice and ideas. 

Are you able to spot patterns?

By spotting patterns I mean, being able to go above yourself to see things objectively and decide where changes need to be made. This ability, while often instinctive, can also be learnt through training. Rising above everyday confusion, maintaining a cool head, and making decisive decisions about when the right time to enter into a business transaction is, or when to expand the company, is a crucial skill to have. 

Home Online Sales Tricks You Did Not Know You Needed

Online Sales Tricks You Did Not Know You Needed

Online sales have been massive business for a long while now. We’re all accustomed to logging on and clicking to our required store, and getting it delivered within days. Sometimes the next day, and it really does make a big difference when we are trying to get on with our busy lives. So having a business in online sales is something that many of us aim for. We know the demand is there, and we know that we are capable of producing great results that are in big profits, but there is more to it than that. It’s easy to get caught up in confusing traffic reports, and issues that we didn’t think of before. But if you are clever enough to keep up-to-date with technology and understand that you need to invest, and make changes in your business regularly to stay ahead of the game, then there should be no reason why you can’t be as successful as the next person. Here are a few ideas on how you can maintain and share your online sales business.

Photo by William Iven on Unsplash


Of course, you need to keep track of all your sales due to tax reasons and of course to be able to send out the orders in the first place. But also tracking where the sales came from, what time of day, and if anything content that customer to make the purchase Will give you valuable information that you can use in your marketing efforts. MAP monitoring can help you not only with tracking, but growth from these sales and customers, which can count towards your business in a much bigger arena over time. If you want sure how to keep track of your sales then it’s time to stop, sit down, and work out exactly what you need to know from your data. Data is incredibly important in the world of online sales, and using it wisely can make or break a business.


If you aren’t already familiar with SEO, or you already have somebody hired to take care of it for you, then this is something that is highly recommended that you become acquainted with online businesses there is no excuse for not having a good grasp of your SEO, it will be a driving force for many of your sales, and can significantly improve your overall sales for the year. Making sure that everything is in place, you have great relationships with those businesses and individuals that can help With your search engine results, and you are putting your best foot forward online, really should help you see improvements.


With the rise of Instagram, and TikTok you have more opportunities than ever to find your audience, and entertain them. How does entertainment sell your goods online? Well, there is a school of thought that says your brand awareness and people remembering who you are can really make a huge difference to your business online.

So make some notes work out what it is you’re trying to achieve and checking with those who are “in the know“. Eventually, you will find your efforts paid off, providing you are consistent.

Home Ways of Keeping Your Business Secure

Ways of Keeping Your Business Secure

There are many facets to business and when you’re running you’re own small to medium enterprise or are part of a corporate entity that makes moves with larger contracts or company deals, it should be part of your ethos that security, safety and ease of access of files for employees are part of a wider scheme set in place that also protects the company. In many business owners perspectives; when thinking about the vulnerabilities of the business, can leave a pit in their stomach furthering the development of concerns such as, who is accessing your business files, is anyone else other than your trained employees seeing company data? What would happen if the business was taken offline for merely a few days? Could unwanted leaks of personal data have legal implications including reputation and financial damage?

To give a better understanding of how common it is for a company to experience network security issues, here we will provide you with some interesting statistics that illustrate just how frequent network security and compromised business infrastructures, actually are.

In March of the year 2018, it was reported that 43% of cyber attacks targeted small businesses.

The average median cost of a data breach this year could exceed $150 million, especially by the end of 2020, as more business infrastructure gets connected around the globe.

The average time for businesses to detect malicious intent, or criminal attack, which was taken by a global survey of organizations, was as long as170 days.

Only four years ago in 2016, it was reported that up to 40% of companies expect a data breach caused by malicious insiders, including clients who may have access to company data.

It is nothing new that more and more businesses are moving onto the web with building sleek and professional websites, cloud, or at least have the majority of the business workings, sales and employee details on computer records; to say the least, online or within some secure server. Having a top-notch IT Department can help business managers focus on areas which help the business grow and may need focus.

Here are more ways Business Owners can take action to prevent compromisation of services:

1. Train Company employees in Company security principles.

2. Clean and Update systems accordingly to minimize Cyber Attacks.

3. Always ensure a Firewall security software is installed to monitor the Internet connection.

4. Backup all company data accordingly, including business information and documents.

5. Control physical access to your computers and create user accounts with passwords for each employee.

6. Secure any Wi-Fi networks and restrict use for personal browsing. 

7. Implore best security practices on any registered business payment cards.

8. Limit employee access to data and information, using the account privileges.

Generally, from the evolution of the World Wide Web and then businesses utilizing more automation and looking for the most efficient way to run the company, or how a company operates and works with other businesses. If there is a possibility that the business may merge or acquires any other assets, having access to a virtual data room for a secure data room due diligence, is a great way to provide company information in a safe environment and allow all people involved in M&A procedures to feel safe, informed and at peace with the bank-level encryption that is dealing with private and/or sensitive business information.

Has there been an experience you have had with how to keep businesses secure? Do you own a business and have any other tips you would like to add? Or have you been involved in a merger or acquisition and have any further advice, let us know in the comments below.

Home 3 Questions to Ask When Thinking About Starting up Your Own Business

3 Questions to Ask When Thinking About Starting up Your Own Business

There’s a lot to think about when it comes to starting up your own business, ranging from weighing up your resources and calculating logistics, to getting a sense of just how you want your marketing campaigns to play out.

Not everything that you need to think about as a new entrepreneur will have a strictly technical basis, however. In fact, much of it specifically won’t.

Here are a few questions to ask when thinking about starting up your own business.

  1. How can you leverage and combine your existing skills and experience to make your service unique and valuable?

We live in an extremely connected age, where anyone can find just about any conceivable type of service after just a few moments spent searching around online.

Perhaps the most direct consequence of this, is that it’s arguably more important than it’s ever been before for a business to differentiate itself meaningfully from the competition.

Before you take any other steps to get your business up and running, you should ask yourself how you can leverage and combine your existing skills and experiences to make your services more unique and valuable.

It may be, for example, that you have some experience on the sales side of goods such as scaffold towers, while also having some insider knowledge of the health and safety industry from a more litigation-oriented standpoint. With these two backgrounds, you would be well-placed to offer a health and safety service that has something that many of your competitors won’t have.

  1. What are your motivations for starting a business? Are they likely to endure for the foreseeable future?

There are all sorts of different potential motivations you could have for wanting to start your own business. But, that doesn’t mean that all of those motivations are equally good, or equally robust.

With any start-up, you should always assume that success will require a significant amount of time and energy, and likely also various iterations of your business. Your motivations need to be things that are likely to endure for the foreseeable future, and which will keep you on the right track.

In other words; think about things in terms of your higher overall values, and not in terms of “getting rich quick.”

  1. Are you willing to embrace the journey and learn from shortcomings and failure?

Some degree of trial and tribulation is always inevitable when it comes to pursuing any sort of business venture earnestly and seriously, and there are few if any successful entrepreneurs out there who haven’t met with their fair share of failure.

A great question to ask yourself at the outset is, are you willing to embrace the journey and learn from shortcomings and failures as they arise? Or, are you hoping for a magical scenario in which you never fail, and where everything always works out in your favour?

Suffice to say, if you are looking for a scenario like the latter one, it’s unlikely that you’re going to find the life of an entrepreneur particularly fruitful.

Home Is Rural Living Cheaper Than Urban Living?

Is Rural Living Cheaper Than Urban Living?

On the surface, it seems pretty obvious that rural living has numerous benefits. But from the real estate perspective if you’re trying to renovate an old property or you are moving from the city to the country you’ve got to consider if the value of the place and if it is worth it in the long run. As well as this, you have got to consider the day-to-day finances of rural living. So is rural living actually cheaper than living in the city?

How Much Rural Dwellers Earn

It is said that people that live in rural areas earn £5,000 less per year than those that live in urban dwellings. But when you compare this to the cost of urban living there isn’t much of a difference in terms of the low-income. While the number of people in rural areas is on a low income there isn’t much of a difference. 18% to 24% of urban dwellers are on a low income in comparison to 16% to 17% in rural areas. And while those in affluent city areas can benefit from components like technology, while there are rural broadband providers in country areas, the fact that rural dwellers earn £5,000 less than urban dwellers the expenditure is pretty low in a country setting.

The Cost Of Rural Living

We have to talk about the commuting components. Many people would have moved from the city to the country to take advantage of cheaper house prices. But we have to know the day in rural areas there is the so-called “rural premium” which comprises of higher costs in energy bills and public transport. Due to a massive cut in rural bus services people in rural areas even need to fork out for taxis or purchase a car. This means that purchasing a car results in higher premiums as well as the frustrating component that petrol stations in rural areas charge more.

Rural House Prices

Because there’s migration from the urban areas to the rural, this has driven house prices up. But while the cost of a property can be 20% more than a house in urban settings there are differences in each region. If you choose the East of England or Wales they are cheaper than other surrounding areas. The other thing to consider is that you will purchase a better quality property in a rural area. We live in Generation Rent and this means that many aren’t able to afford to get on the property ladder. Rural house prices can be a foot in the door.

It’s also important to point out that spending habits between rural dwellers and their urban counterparts are somewhat different. Inner-city expenditure is much higher than rural spending and partly this is to do with lifestyle and accessibility to amenities. If you are considering moving to the country you have to give thought to the fact that you won’t be able to access supermarkets without taking a trip in the car. But it’s also worth pointing out that rural dwellers are statistically happier. And this isn’t something you can’t put a price tag on.

Home Preempting Downtime: Common Reasons For Business Technical Malfunction

Preempting Downtime: Common Reasons For Business Technical Malfunction

The right tech adds so much to your company. It improves your productivity, makes your employees work smart, but we all know that when there’s a major snag in the process and major technical downtime occurs, we all feel it. While we could argue that we rely too much on tech to get through the day, when we start to look at specific industries where tech is crucial, from digital marketing to the manufacturing industry, there seems to be consistency across the board as to why these things occur. Let’s highlight the main reasons for technical downtime.

Insufficient Maintenance

In the manufacturing industry as well as any company, relying on digital technology maintenance is a crucial component. Whether it’s in relation to hydraulic repair problems or a software patch, ensuring that the equipment is maintained means that downtime will be minimised. It’s important that any company has a plan in place to keep the equipment maintained. In many cases, it’s a legal obligation. But from the perspective of those employers who ignore the opportunity for software patches, it’s crucial that they make the time.


From the perspective of companies that work with computers, with such a dearth of data breaches if there are no strict instructions on how to deal with these, it’s unlikely that employees will know what to do. In any industry, ambiguous working instructions can cause a lot of frustrating downtime. If you don’t recognise this as a problem it’s time to make sure that the documents are in place for employees to follow should a crisis occur. But you should also take the opportunity to exercise due diligence within your workers.

Human Error

Whether it’s something like a phishing scam or a personal human error, it is one of the most common causes of downtime. In the manufacturing industry, human error can be at its most severe. When there’s a problem with machinery like forklift trucks or conveyor belt issues, human error can result in human injury. As a result, you need to make sure your employees are trained up in the best practices. We should also make sure that the rules and regulations are adhered to. There are so many changes within the legislation that if an employee suffers an injury and you’ve not been seen to alter your practices, you may be hit with a fine or the business could be shut down temporarily.

Insufficient Crisis Strategies

Every company needs measures in place to deal with a crisis situation. Whether it’s a data breach or a physical crisis, every organisation needs a communication strategy using a mass notification system. This will help your company manage the outcomes of any situation effectively. And when there are crises, downtime might not be avoidable but having the right strategies in place can certainly minimise them.

Technical downtime is one of the most frustrating areas of running any large business. But that’s not to say it’s exclusively a problem in larger industries. Small startups can suffer these issues as well. Regardless of the size of your company, you must remember that downtime is a killer and you have to preempt this.

Home A Guide to UK Property Bonds © 2020

A Guide to UK Property Bonds © 2020

Investing in property is attractive to many people. After all, the returns can be significant. The problem, however, is capital, i.e. having access to funds to invest in property.

In other words, while you can make significant sums of money investing in property, you need significant sums of money to start. There is a possible solution, however – investing in property bonds.

Traditional Methods of Property Investing

The most common traditional methods of investing in property include:

    • Property flipping – purchasing a property and then reselling it for a higher value, often following renovation work
    • Becoming a buy-to-let landlord – purchasing property to rent to tenants
    • Developing property – purchasing land and building on it

All these types of investment require access to money. That means money to purchase the land or property outright, or access to finance to make the purchase.


Property Bonds

Property bonds let you invest in the property market with a much lower amount of capital. Here’s an example of how property bonds work:

    • A developer plans a new construction scheme. This could be either a commercial or residential property development.
    • Instead of seeking finance from banks or other lenders, the property developer issues bonds to raise the funds required to complete the development.
    • Land purchased to develop the scheme, and the development itself, are often offered as security for those investing in the bonds.
    • You can then become one of many investors purchasing the bonds. The investment you make is usually for a fixed term which is typically between three and five years.
    • The developer uses the money raised from the sales of bonds to proceed with the project.
    • Typically, you will get a return, either quarterly or yearly, on your investment. Depending on the property bond you choose, this is normally between five and 12 percent.
  • At the end of the fixed term, you can take out your investment along with the total return.

The developer of the property can generate the money to pay you a return on your investment in a number of ways. The most common are:

    • Refinancing the property
    • Using proceeds from the sale of the property
    • From rental income

Property Bonds Are Not Just for Small Investors

As already mentioned, property bonds have a much lower entry barrier making them an investment option if don’t have access to capital. Property bonds are also attractive to high-value investors too.

High-value investors can choose to become the developer or buy-to-let landlord, but this involves getting directly involved in the property. Many investors, however, prefer a more hands-off investment option. In other words, they see the potential for return in the UK property market, but don’t have the necessary time or experience.

So, those investors purchase bonds, effectively performing the function of a bank, i.e. giving developers access to funds.

Of course, there are risks involved with all investment opportunities, and property bond investing is no different. Even though the UK property market often gives a good return on investment, this is not guaranteed. This means you should always make sure you get good advice to satisfy yourself this investment is right for you.

If it is, property bonds allow you to invest in property if don’t have large amounts of capital, or if you want a hands-off investment opportunity. Inventing in property.

Property Bond Email Reports for 2020

Home Apex Algorithm Deliver Monthly Profits

Apex Algorithm Deliver Monthly Profits

Quite a lot has changed since we last visited Apex Algorithms in October of 2018.  In addition to their smart office in Deal in Kent they have now opened a second office in a modern building near to Liverpool Street.  Offices aren’t the only addition in February of 2019 the owner appointed Paul Northcott as the Managing Director. The interesting thing about Paul is that he was an investor for two years before joining the company so had already witnessed the powerful growth in his own account.

Apex have also extended their offering they now offer models on two different sports with a view to adding a third later this year.  The first model called Magnus Ludum is what they started with in 2013. Magnus Ludumis designed to take advantage in mis-pricing of the football markets.  They have developed a sophisticated computer algorithm that through assessing over 40 different parameters determines the probability of an outcome in the major leagues across Europe.  The Algorithm then checks to see where the markets are offering better value and then places a bet. Returns vary but as an example 2019 had 49 winning weeks in the range of 0.08% to 2.63% and three losing weeks ranging from -0.16 to -0.48%.

The second model called Pegasus is a horse racing model that they have been offering to clients for the last 15 months.  In the first year the pay-out was 22% tax-free and the profits were returned quarterly and the capital amount at the end of the year.  They were delighted that following the return of capital there was a 100% uptake in reinvestment.

You can start an account with Apex with as low as £2,500. Register here for full details.

As well as algorithms the company also likes to invest their profits back into interests the clients and staff have such as owning shares in a horse through a racing syndicate. The team at Apex attend race days across the major courses including Ascot, Cheltenham and Newbury. The purchase of these shares means they are keen to get investors involved by holding events at the courses in 2020 so everyone can enjoy the day. 

In 2019 Apex attended 4 business/investor exhibitions across the UK allowing potential clients to ask questions and meet members of the team. They regularly meet the clients and hold events for account holders to attend.