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I love The Small Business Angel. Is a great source of information.   I subscribe to their newsletter & always get quality hints and tips or links.

50 Ways to Save Money – “This is Money”’s top 50 money-saving tips – #13

13. Do DIY
We’re a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.
Saving: £100+

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As a subscriber to The Small Business Angel newsletters and blogposts, I found this one to be particularly interesting.   Leadership:

by: Michele Milligan, Source Unknown

The following was written by a high school student writing an essay for her final exam:

“A true leader has the confidence to stand alone, the courage to make tough decisions, and the compassion to listen to the needs of others. He does not set out to be a leader, but becomes one by the quality of his actions and the integrity of his intent. In the end, leaders are much like eagles… they don’t flock, you find them one at a time.” Hard work, profound dedication, and encouragement toward others are what entitle an individual to be a leader.

A strong work ethic is one important quality of an adroit leader. As the saying goes: “There are always two choices, two paths to take. One is easy. And its only reward is that it’s easy.” Hard work and intense dedication can only make you better, both mentally and skillfully. If others see one person working as hard as they can 100% of the time, they will work harder for that one person. No matter how unmotivated people are, if just one person steps up and takes the lead, everybody else will follow. Leaders motivate others.

Many people find themselves working harder when they know that they get something out of it. Just by hearing a few pushing words that motivate and encourage, people force themselves to work harder. Leaders are usually the ones who ignore their own accomplishments to commend others for theirs. The leader keeps everybody’s head up at all times, as they work harder and harder, and more diligently toward their goals. The number one thing that a leader tries to avoid is making people feel guilty or to look down on them because leaders bring others higher in the world, usually with the result being success. As a noble person once said, “There are high spots in all of our lives, and most of them come through encouragement from someone else.”

Hard work from one person makes other work harder. Vehement dedication shows others the success that comes through it. Encouragement and support for others make others feel good about themselves and give them something else to work for. These are all very significant traits that a leader must possess. Don’t wait around for things to happen, make this world what you really want it to be, be a leader.

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Great article.

Giving Back to the World, by Jeremy Gislason

Are you grateful for everything you have?

Consider this, whether you have a million dollars in the bank or a hundred — if you have a roof over your head, food on your table and the comfort of friends and family, you’re rich.

Millions around the world live a bare bones existence and the pursuit of life, liberty, and happiness takes a backseat to survival. If you have a roof over your head, you have food in your stomach, and you probably have at least one car, a bank account, and an abundance of creature comforts then by global standards, you’re rich.

Take a minute to look around you, wherever you are. It doesn’t matter if you’re reading this from the comfort of your couch, if you’re sitting at a table in a coffee shop, if you’re sitting in your car, on your treadmill or exercise bike, or if you’re enjoying the sunshine and reading this outside. Take a look around you and make a mental note of all you have. We’re not just talking about the material items either. Friends, family, mentors, and pets are all blessings.

What about you? You have a wealth of strengths, skills, knowledge, and experience too.

What Are You Doing With All Of Your Wealth?

Gratitude has the power to bring more abundance into our lives. We know this to be true and by simply expressing gratitude daily, in every moment of your life, you will understand it to be true too.

In addition to attracting more of what we’re grateful for, like wealth, love, and good health, gratitude also invites compassion into our lives. There are so many people in this world who suffer, who struggle and who do not have the wealth and abundance you have right now, today. It’s important to point out that this is an opportunity for you. Giving back benefits you in a number of ways.

When you give back, you feel better about yourself, your accomplishments and your wealth — you feel grateful.

When you give back, you learn about yourself and about others — this is a valuable opportunity.

When you give back, you make valuable connections with people who have the power to change your life in any number of amazing ways.

When you give back, you gain both spiritually and monetarily. It’s the Law of Attraction — which states you attract what you focus on. The Law of Attraction says: That which is like unto itself, is drawn.

When you possess gratitude, compassion, and generosity of mind, money and spirit, you attract those things back to you — all which make you richer, smarter, and surrounded by life, love and happiness.

Consider for just a moment the amazing contributions of:

Bill Gates and his foundation which partners with companies around the world to improve health and education.

Oprah Winfrey and her angel network which works on global and local networks to improve the lives of others.

And Kelly a small business owner who regularly motivates her social networking followers to generate thousands of dollars to families in need by donating her time and services in exchange for monetary donations from others.

You, no matter what level you’re at or what goals you are striving for, have the mind-blowing opportunity to improve the lives of others, including your own, in a number of ways.

1. You have the power to change the world, to better the world.

2. By embracing and acting on your power, you will gain abundance both materially and spiritually.

“We make a living by what we get, we make a life by what we give.”
-Winston Churchill

How Can You Give Back?

There are a number of ways you can give back to the world.

1.) Volunteer
Volunteer your time, skills and expertise. Volunteering offers a number of benefits:

-You Become Part of a Community
Volunteering has a meaningful, positive impact on your community. We depend on each other for personal and professional survival and when you’re part of a community, your personal and your professional life prosper. Volunteering helps, you build and sustain your community, which in turn will give back to you. It’s a win-win situation.

-Broaden Your Repertoire
People volunteer to contribute their skills and knowledge however it’s practically guaranteed that you’ll walk away with more knowledge and skills than you had beforehand. Volunteering is the perfect vehicle to discover something you are good at and develop a new skill.

-A Sense of Accomplishment
There’s little else in life that offers the same level of satisfaction like watching your hard earned efforts benefit someone in need.

Volunteering also offers you new interests, new experiences, new people, and authenticity and credibility in your industry.

2.) Donate funds
What’s your favorite cause or charity – something that’s important to you, your family or your friends? Perhaps it is the American Cancer Society, the Humane Society, or the Nature Conservancy. These organizations thrive on two things: Volunteers and Donations.

If you have causes, passions and charities which are near and dear to your heart, it’s important to do what you can to keep them in the black, financially solvent, and able to continue to provide their services.

3.) Use your business to tap into the needs of your prospects, community, customers, and associates
One of the truly wonderful aspects about being a business owner is the amazing power you have to give back. As a business owner, you have a rolodex jam-packed with contacts. This includes your lead list but it also includes your associates, vendors, partners, and always your friends, family and community members. You are a veritable Paul Revere — and one word from you has tremendous power, power to change the world and have a positive effect on the lives of others.

4.) Mentor
Mentoring is an exceptional way to share your knowledge and experience with others and give back to the world.

Mentoring is when you meet with someone one-on-one and help them learn and grow. A mentee can be a child or young adult struggling with choices, a professional who is interested in growing their career, or a person interested in starting a business similar to yours. A mentor/mentee relationship is essentially, however you define it.

The Next Step

If history and experience have taught us anything it’s that the more you give, the more you receive. When you take the time to give back to the world with the intention of improving the lives of others, the essential result is that you end up receiving so much more than you can possibly imagine. Give it a try. You’ll be amazed what happens in your life.

About the Author:

Jeremy Gislason is an entrepreneur, online business owner and marketer. He is also a philanthropist with over 12 years of offline and online business experience. Discover The Secret to Lasting Abundance in Mindmap to Riches Vol. 4 at http://www.MindmaptoRiches.com

Go here for even more free self improvement tips to make you healthier, wealthier and wiser.

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Facts about Inverness (courtesy of wikipedia):

The name Inverness is Gaelic and translates as ‘mouth of the river Ness’.

Situated at 57.4717N and 4.2254W.

Inverness (Scottish Gaelic: Inbhir Nis) is a city in northern Scotland and it is promoted as the capital of the Highlands of Scotland.

The city lies near the site of the eighteenth century Battle of Culloden and at the beginning of the Great Glen, where the River Ness enters the Inverness/Moray Firth making it a natural hub for various transport links.   It is the northernmost city in the United Kingdom.   A settlement was established by the sixth century AD with the first royal charter being granted by King David I in the twelfth century.

Inverness was one of the chief strongholds of the Picts, and in AD 565 was visited by St Columba with the intention of converting the Pictish king Brude, who is supposed to have resided in the vitrified fort on Craig Phadrig, on the western edge of the city. A 93 oz (2.6 kg) silver chain dating to 500-800 was found just to the south at Torvean.

click here and scroll down for a map of Inverness/Scotland

The 14.11.09 approached both rapidly and slowly and it was with excitement and anticipation that we woke on Saturday and set off on our journey up north.  This is the farthest north we, my offspring and I have ever been – 57.4717N and 4.2254W!!!   Brilliant.

CJ reached Victoria station before I did and very naughtily filmed me walking across the concourse!   We took the Gatwick Express since it was almost £2 cheaper than by regular train.   Go figure.

Check in at Easyjet was chop-chop and with time to spare we went to MacDonald’s for a Happy Meal for a happy CJ 🙂

and a chocolate milkshake for me.

This is the first time wev’e travelled with Easyjet and although the flight is the same as any other cheap airline, I was totally unimpressed with the fact that they left our luggage out in the rain and when we arrived at our destination our clothes were wet.  Even more so since CJ was forced to check her bag at a cost of £18 because the bag was literally a zip width to wide for the onboard luggage sizer.

However, excitement reigned supreme as we boarded and finally took off, 25 minutes late.   We were off to the Highlands of Scotland, Inverness and final destination was the Great Glen Water Park, situated on Loch Oich (which we did not know beforehand).

The flight was bumpy but uneventful and flying over England was a treat as always.   The countryside is so beautiful and I never tire of seeing it from the air.   A great expanse of blue sky and great big tumbles of wonderful white clouds accompanied our flight, providing fantastic photo opportunities.

With no idea what to expect we suddenly flew over the highlands!

first view of the Scottish Highlandsand practically climbed out the window with excitement.   The view was stupendous.   Great open stretches of mountain and wilderness, huge lakes that spread for miles.    The sun shone down and touched on a mountaintop providing a glimpse of the splendour to come.

Scotland; land of legends, castles, humble crofts, high mountains and tranquil lochs, battlefields echoing to the cries of long ago and remote glens home to towering firs and magnificent golden eagles.

Touchdown was uneventful, no rain but threatening.   Collected our luggage, which was soaked!   A complaint coming up here!   Then over to Avis to collect our hire car.  I have decided to write up a checklist of things to look out for and questions to ask for future reference.

It was starting to drizzle again, so in the rain I checked the car over thoroughly, remembering the lesson from Ireland.   By the time I had checked for little bumps and scratches my hands were frozen and my sleeves soaked.

By now the light was fading and losing no time we set off, first stop Tesco, just 2 miles down the road for supplies.   We had fun whizzing round the store (which was massive and jam-packed with goodies) picking and choosing yummy things to eat and drink, mindful of our budgets.   By the time we emerged it was dark!!!  Now for the fun bit – finding our way through a foreign town in the dark.   Fortunately CJ had printed a fairly detailed map of the area and we made good progress to the A82 (I think) and then on to our destination.

At that time I had no idea how far the Great Glen Park was from Inverness and had considered taking a cab there!   Fortunately I had hired a car!   It was 54miles from the airport!   I had no idea.   We drove and drove, the rain falling steadily and with absolutely no idea where the place was, we anxiously scanned the map for landmarks.

1.5 hours later we finally arrived, just before 7pm and we had made the check-in deadline with 10 minutes to spare.  By now pitch-dark we had not an inkling of the beauty and magnificence awaiting us.   The A-frame cabins are darling and we made ourselves right at home.   The first thing that went on was the heating, as it was quite freezing cold.

Hunting around the cabin it took ages for us to find all the switches to activate the various appliances, and the only one we could not find was the switch for the hot water!   The following day we enquired at the office and the handyman came along to show us where it was – right behind the box of oats I had placed on the counter!!! Go figure.

Then a toss-up on who would get the double bed!  CJ won for the first 4 nights since she was only staying till Wednesday, so that was fair enough.  Then time to unpack, hang clothes up to dry and have supper!   We had bought a pizza for convenience and popped it into the oven.   Hahahaha, we ended up with – a burnt pizza for supper!  The oven settings were unfamiliar and we set it too high.  It tasted just fine actually and nicely crunchy round the edges 🙂

Relaxing and watching TV, Strictly Come Dancing was on and not to be missed, followed by X-Factor, we settled in for the week, cosy and comfortable.   Later that evening just after getting into bed, I had a summons from CJ to quickly get my jacket and shoes on and come outside.   I duly complied and stepping out back behind the cabin I lifted my eyes to the heavens and gasped.   A blanket of stars covered the night sky, brightly twinkling and sparkling in the night sky.   I am reminded once again of the fact that because we are creatures of the daytime, we miss out on this glorious spectacle every night.

We shivered and giggled, somewhat nervous that we were so close to the forest, literally feet away, it was dark and eerie and every rustle had us squeaking with fright. With wolves and ghosts in mind, and things that go bump in the night, I did not last long when finally my nerve broke and we skedaddled back inside, laughing and giggling fit to bust.

We had no idea what was awaiting our eyes on the morrow.   And so to bed, I slept like the proverbial baby.  Utter peace and quiet.   Bliss.

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