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The Crack Of Noon


We often hear from people who are desperately trying to find a new or unique business idea. Far better (and easier) to take an existing idea and modify it, or tailor it to a particular group of consumers.

A perfect example of this is Executive Tours of California who run tours to Europe. Nothing unique about that,  until you find out that these tours are called ‘Crack Of Noon Tours’, and the itinerary is designed specifically for people who don’t like getting up early in the mornings. So all the excursions and activities are scheduled from noon onwards. Needless to say, there are no early morning flights.

So there you have it. Are there any other products or services that could be adapted for late risers? Or to turn it on its head, are there any products or service that can be adapted for the early to bed brigade? Once you start thinking about any product or service, the number of potential niche markets you can create a product variation to service, is almost infinite.

House Price Predictions

Hardly a day goes by without yet another financial institution or expert making a prediction about the direction and level  of house prices in the months and years to come. What’s frustrating is that the ‘experts’ can’t even agree on the direction of changes, let alone the extent. So who do you believe?

Our gut feeling is always to go back to economic fundamentals in times of uncertainty, and the most basic fundamental of all is supply and demand. The fact remains that all reliable indicators point to a shortfall in supply over the coming years. Changing demographics coupled  with a shortfall in new house building is likely to support prices strongly in the medium to long term.

The latest report from the  The Centre for Economics and Business Research (CEBR) this week, supports this view.  They say UK house prices will increase by around 4% this year and continue rising every year until at least the end of 2014 thanks to a fundamental shortage of supply in the UK.
The CEBR said: "It is unfortunate, but hardly surprising, that many commentators are currently purporting that the minor correction in house prices over recent months is a prelude to an even steeper decline that will engulf the housing market over the coming years. Those forecasters projecting a double dip have got it wrong," it added, saying they have "ignored the housing market fundamentals".

The bottom line is that property continues to be the safest and most lucrative place for ordinary folk to invest their money.  Anyone who says otherwise is either a fool or a financial advisor working on commission.