FCA proposes changes to facilitate investment in patient capital

These proposals follow the 2018 Budget when the Chancellor announced a package of measures designed to increase investment in patient capital, a term for a broad range of alternative investment assets intended to deliver long-term returns; for example, infrastructure, real estate, private equity/debt, and venture capital.

The proposed changes in the consultation paper are intended to enable retail investors to invest in a broader range of long-term assets through unit-linked funds, while continuing to maintain an appropriate level of protection.The proposed measures aim to address potential barriers to investment by retail investors in patient capital, and will be beneficial to consumers by allowing funds to choose investment opportunities that match the needs of consumers more effectively.

Alongside this, a discussion paper explores how UK authorised funds can be used to invest in patient capital. It sets out the relevant authorised funds rules, and outlines the existing opportunities to invest in patient capital. It invites feedback to help identify the barriers to investment in patient capital through authorised funds and how such barriers can be overcome. The DP does not propose any changes to the authorised fund rules. Instead, the FCA will consider responses and consult more widely with industry stakeholders to come to an informed view on whether any rule changes are necessary.

Christopher Woolard, Executive Director of Strategy and Competition at the FCA, commented: ‘We are proposing changes to allow retail investors greater access to long-term investment opportunities. We are also seeking views to help us identify any unnecessary barriers to investment in patient capital through authorised funds. We will ensure that any changes continue to provide an appropriate level of protection for consumers.’

Responses to the Consultation Paper and Discussion Paper can be submitted until 28 February 2019.

Notes to editors

  1. Background: In 2016, Her Majesty’s Treasury and the Department for Business, Energy and Industrial Strategy launched the Patient Capital Review (PCR). The PCR investigated whether the UK market for ‘patient’, or long-term, capital is working well – successfully bringing together those looking for long-term investment opportunities with those needing long-term financing. It found that investment in patient capital assets is below its potential.
  2. Today’s Consultation and Discussion Paper form part of the FCA’s response to the PCR.


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KBW Associates Ltd files for liquidation

KBW Associates Ltd has informed us it has filed for liquidation. Any client who is considering submitting a claim should contact the Financial Services Compensation Scheme (FSCS) to discuss how to register a claim.

Clients who have already complained to the Financial Ombudsman Service should speak to their case handler to discuss next steps, including whether their complaint will be transferred to the FSCS for consideration.


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Westerman Consultancy Ltd | FCA

Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

However, some firms act without our authorisation and some knowingly run investment scams. 

This firm is not authorised by us and is targeting people in the UK. Based upon information we hold, we believe it is carrying on regulated activities which require authorisation.

Westerman Consultancy Ltd

Address: 155E, 45th St, New York, NY 10017, USA

Telephone: +1 914 294 3934

Fax: +1 914 462 3936

Email: [email protected]

Website: www.westermanconsultancy.com

How to protect yourself

We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

If you want to check a consumer credit firm that may not yet have been authorised by us, please also check the Interim Permission Register.

If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

There are more steps you should take to avoid scams and unauthorised firms.

You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

Report an unauthorised firm

If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our reporting form.


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The Pension Assessment Agency Ltd

Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

However, some firms act without our authorisation and some knowingly run investment scams. 

This firm is not authorised by us and is targeting people in the UK. Based upon information we hold, we believe it is carrying on regulated activities which require authorisation.

The Pension Assessment Agency Ltd

Address: Eurotech House, Burrington Way, Plymouth PL5 3LZ; Moody Hall Annex, Moody Street, Congleton CW12 4AN

Telephone: 01260 546 882, 01752 549 530

Email: [email protected]

Website: www.tpaa.org.uk

How to protect yourself

We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

If you want to check a consumer credit firm that may not yet have been authorised by us, please also check the Interim Permission Register.

If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

There are more steps you should take to avoid scams and unauthorised firms.

You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

Report an unauthorised firm

If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our reporting form.


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Effective Personal Self-Defense

Strategies for Safety

Does your personal safety mean everything to you? If it does, self-defense planning can not be quick and easy. Developing and using the steps listed below may ensure a healthier and safer you in the future .

Step 1: Use your intelligence.

Safety and security is a primary need for all of us. Your brain is the most powerful self-defense weapon you have. Surviving with intelligence is developing your knowledge, intuition, awareness, and assessment skills of violent situations. This will take time, but knowing how to recognize the violence of others, and within yourself, is a basic building block of a successful self-defense strategy. You will be able to avoid or respond to violence more effectively.

Step 2: Psychology of Self-Defense.

When you think about the violence in the world today, the possibility of becoming a victim is an upsetting thought. You must learn to manage and control your fear or that fear will eat away at your ability to defend yourself. Your quality of life will corrode as your confidence in your ability to take care of yourself slowly fades away. Being safety conscious does not mean being fearful, paranoid, or afraid to leave your home. You can strengthen your confidence through self-defense knowledge and skill development to develop a strong sense of well-being and security. Your thoughts of helplessness will erode as you develop greater quality and health in your life. Your positive self-esteem will increase and you will be able to develop response tactics that will be effective.

Step 3: Predatory Behavior Recognition.

How do you know if another person is a predator? This person could look like a "normal" person to you or anyone else. Their behavior is what sets them apart.

People communicate verbally and non-verbally. When a person talks to you you usually know and understand what is going to happen or what they are saying. Non-verbal communication is comprised of behaviors. A punch in the face is much different than a pat on the back.

Some predators are very methodical in how they practice and others give no thought to how they go about their business. When you begin to understand how a predator makes his / her selection of a victim and their attack methods, you will be in a better position to recognize and avoid them.

Step 4: Victim Selection Recognition.

Not everyone will become a victim of crime. For every person who is victimized, dozens of people are passed over. Why?
There is a victim selection process and you must understand this. Each person who becomes a victim is evaluated by certain criteria and may or may not become a "desirable target."

You can disrupt and influence this process by becoming knowledgeable and trained in self-defense. When you become trained in effective self-defense your knowledge and skills will become enhanced. Your awareness of your surroundings will be greater, lessening the probability that you will become a victim because you will be sending a message to predators that you will not be an easy target . Therefore, the predator will, more than likely, look elsewhere for a victim.

Step 5: Your Response Options.

It is extremely dangerous and neglectent for me to insist that there is a single solution to all threatening situations. You do have a range of responses available to you; the situation and circumstances dictate which response is more appropriate.

How far you go with your responses is totally dependent upon you. Will you be excessive in your response? Will you go beyond your legal right to defend yourself? These are questions that must be answered. How much force must you use to defend yourself? Any self-defense training program should discuss your legal right to defend yourself and how to respond to violence appropriately. They must also discuss how to justify your actions.

Usually there are five ways to respond to a confrontational situation. These are:

Compliance: You can do whatever the attacker wants you to do.

Escape: You can escape from the situation to safety.

De-escalation: You can work to de-escalate the situation and end the confrontation.

Assertiveness: You can be assertive and stop the confrontation.

Fight back: You can fight with the aggressive violent person.

Whatever response you select will really depend on the situation and circumstances. You will need to become knowledgeable in each area and use the appropriate response when necessary or applicable.

Step 6: Training

Competency is the combination of your physical, mental, and psychological training and abilities. The skills you learn and your attitude to use them wisely will work to enhance your self-defense and safety. Consistently incorporating your skills to develop effective safety habits will affect your health and well-being.

If you elect to take a self-defense training class, understand that much of what you learn will be forgotten if you do not practice what you learned on a consistent regular basis.

When you incorporate effective safety habits into your daily life you will create a safer you. You will learn how to manage your fear, stress, and anxiety and reduce your potential to become a victim.

Step 7: Prevention = Your Safety.

Everyone has prevention tips and ideas for you. These do's and don'ts can be in the hundreds. Many are simple and can reduce the likelihood of you becoming a victim.

You will not remember them all and you do not need to. Using your "common sense" and understanding the basics of self-defense protection will allow you to develop a defect sense of safety and security. You just need to incorporate whatever tips you want into your life and apply them when you feel comfortable with them.


In the end you must decide what is best for you. Learn how to use your intelligence and understand the psychology of self-defense. Begin to understand what predatory behaviors are and how a predator selects victims. Learn your response options well and train for them. You will be able to use the safety tips you learn and enhance your well-being and lifestyle.

Remember: There is no single solution to all threatening situations. You may or may not want to get the law enforcement people involved; the decision is yours, as is the consequences of your behavior.

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Source by Ted Marlett

Are Disguised Products Women's Best Friend For Self-Defense?

When it comes to the personal safety of women, disguised products for self-defense can be a woman's best friend. In this article we will explain why disguised self-defense items are so popular, so effective and so have become a woman's best self-defense.

First of all we should explain that women are asserted close to nine times more often than men. It does not take a genius to figure that out either when domestic abuse assaults lead the way in crimes against women. Just simple observation of news stories on television or in newspapers can verify this fact.

Consequently, women should have prepared their entire lives to defend them against an assault. Self-defense items such as stun devices and pepper sprays are the most common nonlethal products for self-defense and personal safety available.

They are so effective that every law enforcement officer all over the country carries pepper spray as their prime nonlethal self-defense tool. And most law enforcement officers carry some form of stun gun usually in the form of a taser.

Nonlethal self-defense tools used by civilians can disable an assailant anywhere from 10 to 45 minutes with no long-lasting damage. Pepper sprays are legal everywhere with a few cities and states having restrictions. Stun devices have more restrictions and are not legal everywhere.

So in our mind, women need these self-defense tools much more than men do. It is not surprising that disguised products have become so popular. In an assault, quick reaction time and having a plan are keys to success and survival.

Women need every little advantage they can get, and disguised products for self-defense can even give them an edge if even only a few seconds. Disguised products for self-defense are very effective which is why they have become so popular making them women's best friend.

If an assailant is approaching you and you pull out a smart phone from your purse and start talking on it, these days no one thinks twice about it. But if that smart phone is a 3.8 million volt stun device that you can use for your own self-defense and personal safety, which puts things in a different light and may level the playing field.

Charging the stun device so the assailant can hear the crackling sounds of a charging stun gun and see the flying sparks going from probe to probe may be enough to deter an assault.

Similarly, a powerful pepper spray that is disguised to look like a perfume dispenser can be a powerful self-defense tool for your personal safety.

If you are a woman, be aware of the threat through your life to your personal safety, and arm yourself with disguised products which are actually self-defense items. They will certainly give you an edge in an assault situation which may mean the difference between surviving and getting injured or worse.

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Source by James Lesney

Common Misinterpretation of C-Terms

C-terms or 'Main carriage paid by the seller' are terms frequently used by traders in trade. There are two groups of C-terms, one is intended to be used when the goods are transported by sea; CFR and CIF, the other group can be used for any mode of transport, including sea and multimodal transport; CPT and CIP.

Unlike F-Terms, the place mentioned after the abbreviations under C-terms is an indication of a place at destination instead of place of origin or shipment. For instance, "CIF Port Klang" or "CFR Busan" is an indication that Port Klang and Busan Port are respectably the ports of discharge at destination. It is not to be read as ports of shipment or port of loading. This is the opposite of F-terms where "FOB Port Klang" or "FOB Busan" indicates that Port Klang and Busan Port are respectably the ports of shipment or port of loading.

There are two "critical points" that traders need to understand when applying C-terms in a trade, one is the point of shipment and the other one is the point of destination. C-terms are normally used in the event where contracting and arranging for the main carriage in the country of the seller is not possible for the buyer where it would be much faster and convenient if it is left to the seller to arrange. Therefore, to ensure the goods reached the buyer, the seller has two main obligations to be discharged under C-terms:

1. to make a delivery which is to take place in his country either by placing the goods on board the vessel nominated by him at the port of shipment or by handing over to a carrier nominated by him at any place on land and;

2. to undertake to arrange and pay for the main carriage with the addition of insurance under CIF and CIP up to a named point determined by the buyer in the country of the buyer.

It is for the second reason why the 'destination' point is required to be determined by the buyer and to be indicated after the abbreviations. The buyer must first determine a named place for the goods to be discharged in his country. The seller than, contracts and pays for the main carriage on behalf of the buyer in this country up to that named point determined by the buyer.

Secondly, the insurable interest to the goods while in transit under C-terms lies on the buyer. The risks are transferred from the seller to the buyer at the point of delivery in the country of the seller. Therefore, buyer is the party who is liable to procure for insurance in his country to cover the risks from point of delivery up to point of discharge under CFR and CPT. However, under CIF and CIP, the seller is to procure for the insurance for the benefit of the buyer.

So, under C-terms, seller is responsible to contract and pay for the main carriage similar to those in D-terms and buyer has to bear the risks similar to those in E-term and F-terms.

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Source by Wan Nawawi Hassan

Spanish For Law Enforcement Officers

If you are a Law Enforcement Officer, almost anywhere in the United States, I'm sure you are aware of the number of people out there who do not speak English. It depends what area you are in of course, but many of the people you will, or are encountering are Spanish speakers. Obviously if you are a Police Officer assigned to Chinatown, the numbers are going to be a lot less. But for the most part, almost anywhere you go, you will encounter Spanish speakers. The Hispanic population is expected to double by the year 2018 and it is estimated that there are already 57 million people in the United States who speak Spanish.

Being able to communicate in Spanish can be very advantageous. In fact it can be very important to your
health. If you encounter a subject who is a gang member, sometimes part of the infamous MS-13 from Central America, knowing what that guy is saying could be a matter of life or death.

A friend of mine was a police officer in California. He was originally from Hawaii, and to my knowledge did not speak any Spanish. One night on patrol, he encountered a Latin gang member, who would not show his hands. When he ordered the gang member to show his hands, the gang member said, "No speak English", at which point my friend replied, using a visual aide, "Do you speak .357?"

The man shown his hands.

It certainly would have been to my friend's advantage if he had some command of the Spanish language. Things turned out okay, but knowing how to give basic commands, or ask basic questions can greatly lend to your effectiveness on the street. If you can ask witnesses for a description of the assailant, or a description of the car used in the drive-by, you will not only be a better police officer, but your community will also benefit.

On the monetary side of things, many departments now offer language pay, if you can demonstrate
proficiency in another language. With, or without language pay, I definitely recommend learning Spanish.
Finding the time is another story. Between long shifts, court testimony, maintaining physical fitness, and
family or social life, finding time to go to school is difficult to say the least.

Learning Spanish on line, or from a course purchased on line, should definitely be considered. It has many
advantages. You can study at your own pace, when you have time. You can use interactive programs on your computer or listen to CDs in your car, or download lessons to your MP3 player.

However you decide to do it, "get er done". It may save your or your partner's life.

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Source by Donald Hylton

9 Obstacles That Keep You From Achieving Your Goals

While you may have spent a lot of time working on your goals for the next year, there are plenty of things that are going to get in your way to achieving them.

Before we go any further let’s establish the use of language here. Goals can be substituted with objectives, targets, outcomes, achievements, resolutions, aims, ambitions and any others you can think of. For the purpose of this report, the writer will use Goal.

How often have you started off the year, or next phase of your development with good intentions, and some goals of what you want to achieve, only to find that somehow you never see to achieve them? What I will cover in this article is the 9 biggest obstacles that will get in your way. I will take each one in turn and explore what is behind it, why it is there, and more importantly the action you can take to put it to one side.

What I will also do is evidence this be using the responses of a survey conducted with Sole Traders, and owners of Small and medium Enterprises (SME’s), identifying the challenges they face in the coming year.

Although there are arguably hundreds of potential obstacles, 9 appear most commonly.

1. Lack of information

2. Lack of skill

3. Limiting beliefs

4. Well being

5. Other people

6. Own motivation

7. Time

8. Money

9. Fear

Why have a Goal?

If you needed more reason do set your own goals, in a study conducted on students in the 1979 Harvard MBA program, only three percent of the graduates had written goals and plans; 13 percent had goals, but they were not in writing; and 84 percent had set no goals at all.

Ten years later, the findings revealed that 13 percent of the class who had goals were earning up to 84 percent compared to those who had not set any. For the three percent who defined their goals and wrote them down, they were earning on average, ten times as much as the other 97 percent put together.

Some set goals that are too general. These are, in reality, fantasies common to everyone. Goals, on the other hand, are clear, written, specific, and measurable.

What is a Goal?

Other names that are used, explore others use of language. Why do we have them? Different types of goal – towards/ away from.

Some goals are called away from goals. These are usually framed in the negative. Here are a few examples.

o I don’t want to smoke anymore

o I don’t want to be unfit

o I don’t want to be overweight

o I don’t want to be broke

Now let’s reframe them in the positive

o I am a non smoker

o I am fit and health

o I am at my ideal weight

o I can cover my bills

Notice the difference. They are stated in the positive and take on the assumption that you have achieved it already. By assuming “as if” your behaviour changes so that you are acting like to have already achieved what you wanted to do. What a great feeling to have even before you have got there. It also bolsters your motivation.

So now we have determined if our goal is towards something, or away from something. We have now stated it in the positive. This however is still not a very well detailed goal. We will now look at how we can make it more specific.

An ideal goal should be expressed in the positive, be time bound and specific. You may also like to consider, how will you know when you have achieved it, what will it feel like, what will the people around you be like? What will you do to celebrate it?

A goal must be time bound. When do I want to have achieved it? If that’s when I want to achieve it, then when must I start? What is the first step I need to take? Who should I tell? Should telling that person be the first step? What skills or knowledge do I need to acquire along the way?

Goal size, is the goal too big to achieve? If so then breaking it down into smaller bite sized pieces may be the right approach.

How serious are you about this goal. On a scale of 1 to 10 (1 being low and 10 being high), how committed are you to this goal? If your answer is less that 7 you are unlikely to follow it up completely. What would you need to do to this goal to move it from a 7 to an 8?

Now that you have really defined your goal you are ready to go. Aren’t you? So what’s stopping you?

I will take each one of the potential obstacles in turn, and elaborate.

Lack of Information

Information can have one of two effects. With too much you can be overwhelmed, and can stop you from making a decision or taking the next steps. With too little information you are not able to put things into perspective, or look at the bigger picture. Identifying where you have gaps in your knowledge, and including this as part of your goal will move you closer to achieving it. There are several ways to obtain new information. Research, planned reading, listening to CD’s, DVD’s on a specific topic or networking with individuals who have the knowledge to share with you.

Lack of Skill

In order to move forwards you may have to pick up skills along the way. This need not be an enormous challenge. As part of your goal setting, understanding what skills you need to acquire, and how you will acquire them will form steps of your plan. This does not necessarily mean that you need to enrol on a course, although that is a great idea. Other alternatives such as on-line study, planned reading, shadowing a colleague in the workplace, or seeking advice from a friend can also help you obtain the skills you need.

Limiting beliefs

We all have a set of beliefs by which we live our lives. These are set in our subconscious at an early age. Sometimes these beliefs can hold you back and limit your ability to achieve you goals. Some common examples may be familiar to you.

Indecision or Procrastination- should I do one thing or another? This often results in you doing nothing. The limiting belief manifests itself as “I am not able to make decisions”. Unable to make progress or stuck – when a way of working is no longer effective, you continue to use it and often forms a comfort zone, the limiting belief here could be ” I can’t/ won’t change”. Often people will state that “I don’t deserve to be successful”, or “that shouldn’t work for me”. Here we are seeing self sabotage and not valuing themselves and their own ability. These are only a few examples, but listen out for them and notice how many times you hear yourself saying things like this.

Well being

Despite your best efforts, there may be times when you are simply not able to pursue your goals. A sudden illness or injury can put set you back. When this happens you need to be realistic. Beating yourself up will not help, nor simply giving up. Take a little time to re assess your goal and consider what your options are now. How important is it that this goal is achieved within the original timeframe. Also consider how else you goal can be pursued, and who can help you during these times.

Other People

Quite often the people that are closest to us fear us achieving our goals. For them this means that you may change and that will also mean change for them. They may not be aware how important your goals are to you. If the people you share your time with for example family, friends, colleagues to not understand and support your goals, there is a chance that you may be influenced by this. If these people are adverse to change then they may well sabotage you plans.

Own Motivation

Although you may see out with the best intentions, after a while the novelty may wear off or there are other distractions. This may be down to a number of factors. Perhaps the goals that you set were too large, and needed to be broken down into smaller manageable chunks. Perhaps you are not getting the results, and need to consider what you doing that is are preventing you from moving forward. After continued effort you may feel that the goal is now actually something that do don’t want, or at least the outcome.

In this case the goal needs to be reassessed. If it requires modification because circumstances have changed, then change it. If it no longer serves you, then don’t waste your energy following up on something just because you started it.


We all live in a world where we don’t seem to have enough time. Many of us are “time poor”, which means that we do not manage our use of time to get the best results. Quite often I hear from the people around me “I just don’t have time to do x”. How true is this statement really? Have we taken on too much, overcommitted ourselves and are embarrassed to say no? Perhaps, but I have another view.

If we approach our use of time without any structure we may just leap from one thing to another in no particular order. Without priority we will move from one thing to the next urgent thing.

There is also the aspect of distractions. This can be distraction from others who do not have the same aspirations as you. There is the distraction of telephone calls and emails. Quite often we busy ourselves with those things that are nice to do, but do not take us any further forward to achieving our goals.


Money is a common reason for not pursuing your goal. Usually it is the lack of money that stops you. When you hear someone say “I can’t afford it” or “I just don’t have the money”. These statements are usually offered up without much hesitation.

While I agree that it may well be true to some extent, what alternatives have they really explored and how else could the money be found? If you are really serious about achieving this goal, what lengths would you go to in order to find the money (legally)!

Let’s turn this around and look at it from another perspective. What is it costing you to not have that goal in your life right now? For example being in that bad relationship or enduring bad health. If in achieving this goal it was going to get you that next job, or mean that you would get that 10% performance bonus at work, what efforts would you go to?


What do I mean by fear? There are the more straightforward examples. If you need to do something that takes you right outside of your comfort zone for the first time, which may well install fear into you.

Then there is the fear of failure. What will those around you think if you don’t achieve you goal. How will you face them and maintain your integrity. Better to quit now that to see it through right? That way no-one will be able to judge me.

Another type of fear is the fear of success. What if I actually do it, and people find out I am a fraud? Is this goal something that I really want anyway? Self doubt comes into play and you try to talk your self out of it.

What evidence supports this in a business context?

In a recent survey conducted with Small and Medium enterprises (SME’s) and sole Traders they were asked what they viewed as the biggest challenges facing them in 2010. All of those surveyed reported that they were partially successful in achieving their goals and objectives in 2009. 33% of these goals were significant, and the reasons for not achieving them were down to ill health, not asking for help, and lack of confidence in the economy amongst others.

Many of these goals were being carried on into the following year, some people carrying forward all of their goals. When asked what they were going to do in order to achieve those, 66% reported that they would try something different, and 33% would look for assistance.

So what is stopping these business people from moving forwards? Well from the sample surveyed the leading factors were Lack of skills, lack of knowledge, Health, Fear (of success/ failure) and Limiting beliefs.

Those that responded that they would look for assistance; it was equally split between others in their trade or profession, approaching a business coach, or contacting specialist suppliers. From those three options, certainly looking at what your competitors are doing may give you some clues. After all if someone in our sector is being successful look at what they are doing. Likewise specialist suppliers may be useful if the understand you goals and aspirations. However they may have another agenda, after all they are in business too.

However neither of these two approaches are focused on helping you achieve your goals, and neither of them hold you accountable in working towards them. This is where a Business coach can prove particularly valuable. They will assist you in defining and developing you goals, identify what is stopping you and develop strategies to help you deal with those obstacles when they come along.

The Business coach will also challenge you to check if you are working on goals that move you towards what you want, and keep you accountable to those goals. As a Sole Trader or SME often there is no one around with whom you can share your goals with, and discuss them.

One of the common objections to using a Business coach is the perceived cost, often saying “I can’t afford that” or it’s “too expensive”. It is sometimes useful to look at this from another perspective. What is it costing you not to use a Business coach? If you can attach a value to achieving each goal then the services of an effective Business coach can be quickly calculated.

Let’s go back to the survey respondents for a moment. Two of the challenges identified were lack of skills, and lack of knowledge. Suppose for a moment if a Business coach could help you identify what these gaps were, how to close them and then how to apply them to your Business what would that be worth? You may think that you can go it alone, but consider for a moment how would you clearly identify those gaps in skills or knowledge? How long would it take you? Which direction would you go? For example


In this report I have explained what a goal is and why it is important to have them. I have identified 9 obstacles that can potentially stop you from achieving those goals. These are:

1. Lack of information

2. Lack of skill

3. Limiting beliefs

4. Well being

5. Other people

6. Own motivation

7. Time

8. Money

9. Fear

I have evidenced how these manifest themselves, in a business context for Sole Traders and SME’s, and looked at what strategies can be can be applied. And finally I have discussed how a Business coach may support the achievement of those goals.

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Source by Wulston Alderman