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Follow the link below to download a brochure on the Bakkan oil fields mini motel rooms or click on the link to be emailed further information - LINK
A lot of investors simply rely on the price given to them by the agent or developer. But developers can overcharge, they over-design buildings in a bid to win awards and they are forced to overcharge for the buildings simply to break even.
Some savvier investors may base their investments on a search on one of the many
internet property portals to find the average prices for similar properties in the area.
The more experienced might also use sites like Zoopla to see how properties have been amended, re-listed, re-valued since their original posting.
However, these sites only give us the values that the vendors and the estate agents think that the property is worth. This isn’t reliable as the vendor clearly wants to
obtain the maximum price, a strategy supported by the agent who normally works
on a commission basis.
There is only one way for investors to ascertain a property’s value which is truly safe and that is to find a properties residual value. The residual value is based on the amount of net rental income it can generate – anything above 6% looks like a
For example, if a property brings in £6,000 rent per year after all costs have been
taken in to account, that £6,000, based on a 6% net yield would give the property a value of £100,000.
That £100,000 would be the Residual Value of the property and it should be the focus for every investor going in to a deal. But at the minute investors ignore the residual and rely purely on the capital growth of a property which is hopelessly optimistic considering the market place at the moment.
Despite the residual value of a property being £100,000. The investor may pay £125,000 believing that the value of the property will increase and they can sell it for
£150,000. But then if property prices start to fall slightly, he’s suddenly in
negative equity and then the only price someone would be willing to pay for the
property is the Residual Value and the investor will have lost £25,000.
The key to real successful and safe investment is how you derive the 6% net yield which you have used to establish the property’s residual value. By working out the 6% net yield using below market value rent it means that the investor will not have
to contend with tenants struggling to pay rent. As rent continues to rise, there will always be a demand for properties charging below market value rent.
First time buyers will be queuing round the block to save a £100 per month, yet the
investor is still left with a 6% net yield because they have bought the property
at residual value.
It also means that there will always be savvy investors looking to purchase a property at the residual value because they are not only purchasing a strong income stream, but they are purchasing a property at a price that will not be affected by market fluctuations or crashes.
If the property market was to fall again then the investors who have invested
in residual value will be protected from the fall in house prices and when
houses start to get repossessed and more people are forced in to the rental
market, then their yields will go up even though they are still charging below
In the end, everybody will be relying on residual property valuations. It’s inevitably in the future but there’s no reason why investors can’t take advantage of them now.
Invest in Student accommodation with unit prices on average 30% below comparable units and a net rental guarantee of 8% for 2 years - LINK
A substantial fall in the number of people going bankrupt could be due to high fees not any improvement in personal finances, a leading debt advice body has warned.
Joanna Elson, the chief executive of the Money Advice Trust, said that a 10 per cent fall in the numbers of people going insolvent "may largely be driven by increases in the fees required to make yourself bankrupt".
She added: "People struggling with debt often can't afford the £700 it costs to go bankrupt [£525 for the deposit plus £175 for the court fee], even though it would otherwise be their best option.
"This leaves them in a financial black hole. The numbers using debt relief orders, one of the cheaper remedies, has risen."
On Friday, it was revealed there were 27,390 personal insolvencies in England and Wales in the second quarter of this year, a 10 per cent decrease on the same period a year ago and the lowest figure since the summer of 2008.
The figures are a surprise as the UK has recently entered recession, but Ms Elson warned insolvencies may spike again later this year: "These figures are likely to get worse, with incomes increasingly unable to match rising prices."
It is important when considering hotel investment that the hotel, operator and branding match the local area and market.
The Holiday Inn Express® London - ExCel, is located within London’s Royal Docks in East London – designated a “Special Enterprise Zone” in 2011.
The site of the hotel will be under a mile from London’s City airport.
The O2™ Arena can be reached in a few minutes and the hotel site is conveniently
located for tourist attractions such as the National Maritime Museum, Greenwich
Observatory and also Canary Wharf.
Central London is only 25 minutes away THE EXCEL™ CENTRE about 2.5 minutes’ walk away.
The hotel site is found on the waterfront in the centre of the Royal Docks. It was the UK’s first purpose built international convention centre boasting 100,000 sqm of exhibition space, opened in late 2000 and renovated and extended in 2010, which increased the capacity by 50%. It is used by blue-chip companies for meetings, AGM’s conventions as well as sporting and cultural events
LONDON CITY AIRPORT (0.5 miles) is just 3 miles from London’s financial district and is vital for business and plays an important part in keeping up with the growth of London. The business community recognizes the convenience of its location and size. In 2009, London City airport gained permission to increase flights by 50% and in 2011, British Airways announced a number of new flights while Blue Islands Airline announced the launch of its new executive service from the airport.
If you are looking for an arm chair hotel room investment in London this must be it.
50% non-status finance and prices from £135,000 on an RICS valuation of £161,000 combine this with the ideal location, exit strategy AND well-known operator.
LINK - to further information.
MILLIONS FACE PENSION CRISIS!
MILLIONS of new pensioners were warned this week that they face a retirement of poverty after weeks of slashed annual payouts.
Pension companies have cut rates offered on their guaranteed annuity incomes 24 times since the start of summer.
Standard Life is the latest to do so, lopping five per cent off the rate offered to the newly-retired and those approaching retirement.
And male pensioners will suffer an extra blow later this year with the introduction of the EU’s new “gender directive” which will further force down annuities for men.
Craig Palfrey, founding partner of independent financial advisers Penguin Wealth, said: “Annuities are in meltdown. We’re way beyond red alert. They have been coming down relentlessly and Standard Life’s decision to take a sword to rates is just the latest example.
Twenty years ago a £100,000 pension fund would have guaranteed an income of £15,640 a year for life for a 65-year-old man. Now it is just £5,140 a year.
And the crisis decimating pensions is set to continue for months, perhaps even years, piling on the agony for the newly-retired.
Experts warn that the situation is likely to worsen as annuity providers struggle with volatility in the stock market and the Bank of England’s quantitative easing (QE) strategy to tackle the recession.
The money-printing policy has been attacked for triggering “a death spiral” in pensions, which some experts say has led to the worst retirement payouts in history.
NOW is the time to take control of YOUR pension before it is too late - SIPP LINK.
One in five struggles to pay bills
Families' budgets are squeezed by increased utility costs, soaring food prices and salary freezes.
Five million households currently face increases in their fuel bills of up to £100-a-year as SSE, the UK’s second biggest energy company after British Gas, said that from mid-October the price of an average annual dual fuel bill will rise from £1,172 to £1,274. Other companies are expected to follow suit.
As well as energy bills rising, mortgage payments are set to increase as other lenders follow Santander’s suit in upping its Standard Variable Rate (SVR).
Many individual salaries are being frozen and one in ten employees is being forced to
take a pay cut.
With the combination of increased utility costs, soaring food prices and a
compounding squeeze on salaries, Moneysupermarket.com has found that 80pc of
households are on a financial budget irrespective of income, demographic or family set up.
In order to ease the financial burden many Brits making extensive cut backs where
they can. Almost half of us have had to use credit in order to pay utility bills, while a 25pc of adults have said that they are forced to rely more on credit cards to ensure that the regular household outgoings are covered.
Clare Francis financial expert at Moneysupermarket.com comments: "The fact a rise in outgoings of £50 or less would tip a third of Brits to ‘financial breaking point’ speaks volumes about how difficult people are finding things at the moment."
Article published in the Telegraph follow the link to read the article - http://bit.ly/OXKL1M
Chat show host invests in Buccament Bay!
Chat show host invests in the 5* Buccament Bay resort on Saint Vincent in the Caribbean.
Link to the information page - HOTEL RESORT SALES
Currency Transfer Tips
If you’re planning to transfer currency for an overseas investment, you’ll probably
talk to your high-street bank. Don’t! You’ll save money by going to a specialist
currency exchange dealer.
Send all your international transfers through currency dealers rather than banks. Why?
They give you a better exchange rate, lower costs and a speedier service. This is a constant source of annoyance to the banks but they can't compete with dealers.
An average high-street bank will probably offer spot rate (the real, interbank, rate of exchange), less 4 per cent. An average currency dealer will offer an ordinary customer spot rate, less 2 per cent. On a £100,000 transfer you save £2,000 on the exchange rate alone.
The dealers will be quicker too. In the days before currency dealers became popular, the money would be send by a UK bank to another country via another bank in the local country who would then eventually send it to the end bank. There were three banks involved but, more crucially, there would be a bank in the middle that didn't really care how long it took them to send the money!
Check the Charges
When it comes to comparing dealers, it is worth remembering that, in addition to
exchange rate differences, there are also differences in charges. Currency dealers typically charge less than high-street banks for transferring money abroad. In fact, many of them don't charge anything at all or, more accurately, they incorporate the fees into the exchange rate.
One example of this is - two transfers to Turkey done through a well-known high-street bank. The first for £100,000 and the second was for £200,000. The high street bank charged fees of £535 and £1035 respectively. This is a total of £1,570 just in bank charges.
A currency dealer would have charged either nothing or a nominal amount such as £20 (i.e. a saving of £1,550). And remember that this is in addition to the exchange rate differences (which probably amount to another couple of thousand pounds).
Link to our currency exchange partner page - LINK
A LIFESTYLE INVESTMENT FROM ONLY €50,000
PURCHASE A LUXURY HOTEL ROOM OR SUITE IN BELLE PLAGNE IN THE FRENCH ALPS
ROOM PRICES FROM €50,000 Euros – (NOT FRACTIONAL OR TIMESHARE).
SELLING PRICES SHOW A 10% SAVING ON CURRENT MARKET VALUE.
ALL MORTGAGE CHARGES AND MANAGEMENT FEES PAID FROM RENTAL INCOME!!
EXIT STRATEGY AFTER 5 YEARS OF 296% or €147,946.
THIS IS A FULLY MANAGED BY ONE OF THE UK’S LEADING TOUR OPERATORS AND IS A NEW BUILD DEVELOPMENT PROVIDING WINTER SKIING AND SUMMER HOLIDAYS.
ADDITIONAL BONUS OF 7 DAYS FREE IN WINTER AND 7 DAYS FREE IN SUMMER (NOT INCLUDED IF PURCHASED VIA A SIPP)
Link to further information - 4* SKI HOTEL ROOMS
Beware the holiday clubs scam
Here’s how it works. When you’re on the beach, you’ll be offered scratch cards. They’re a euro or two, that’s all. But you could win a big prize. And guess what, you’ve gone and won a big one! All you’ve got to do is go along to a free holiday presentation to collect it.
Holidaymakers do. Heck, why not? It’s only a morning and it’s a real big prize! The
presentation’s slick and impressive and you’re offered the chance to join an exclusive holiday club offering exciting, value-for-money holidays all over the world. Only the very best accommodation and at really low prices – after all, you’re in the club.
And people sign up! Problem is you could get the same holidays at the same prices
online and even at your local travel agency. Even worse, by the time you get home, that holiday club has disappeared.
The OFT’s Advice
The OFT warns consumers about what happens. They’re saying that 400,000 UK consumers fall victim to these clubs at a cost of over £1 billion each and every year.
400,000! That’s a city the size of Bristol. This is a big scam and lots of ordinary people are being conned. The con-artists say that the special discounted offer is only valid for that day, encouraging people to sign up or miss out.
These scam-artists just won’t let you go. You’re never left alone to discuss anything
with your partner. And you are given a very limited time to view the contract!
The Bottom Line
The OFT says that if you go along to a presentation you should ask three simple questions. Do you give cooling off rights? Is everything you promised in the presentation in the contract? Can I take away the contract to consider at my leisure?
If the answer to any of these questions is no, walk away. That’s sometimes easier
said than done. Some presentations last so long that some people sign up just to get away.
The best advice is simple – don’t even buy the scratch card in the first place! Have a great holiday. Get a tan. Have a nice swim. Go and see the sights. And don’t get conned by this scam.
For the best holiday money rates follow the link - CURRENCY
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