Due to the re-mote location of the Bakken Formation oil fields in North Dakota, USA, there is currently an incredible shortage of accommodation for 15,000 of these oil workers, which is where this investment comes in by offering low cost, technologically advanced and high end mini hotels providing high quality supported by some of the largest oil companies in the world.
Key Highlights
>> FIND OUT MORE Avoid Dehydration
Most people feel the most comfortable when the air humidity is around 40 to 70 per cent. But air humidity levels in aircraft cabins can often fall as low as 20 per cent and this can lead to various problems such as; dry skin; dry eyes; sore or dry nose; sore or dry throat; general discomfort. These can all lead to dehydration. In turn, this can create headaches and sleepiness and lead to an increase in the risks of urinary tract infection and deep vein thrombosis (DVT). You can do much to avoid these possible problems; drink at least a glass of water every half hour; avoid tea, coffee, alcohol and fizzy drinks; eat plenty of fresh fruit and vegetables; avoid anything rich or salty; wear breathable, natural fabrics; wear spectacles rather than contact lenses; apply moisturising eye drops, facial moisturisers and water sprays to keep skin hydrated or cover your nose and mouth with a damp cloth, such as a flannel. Don’t direct the overhead ventilators at your face. Relieve Earache Many people experience ear problems when taking off and landing. These tend to be irritating rather than dangerous but are worth trying to resolve a.s.a.p. What happens is this. During take-off and landing, air pressure variations are created in the cabin. This can lead to an air pocket expanding in the inner ear and a blockage in what is known as the Eustachian tube. That’s what causes the earache. You can keep that all-important Eustachian tube open by; yawning theatrically; sucking sweets (the old barley sugar trick does work for some people); trying the valsalva manoeuvre, which involves holding your nose to seal the airway,closing your mouth and then breathing out gently to relieve the resistance. Try all three, and see which one works best for you. Arms & Legs If you are on a long-haul flight of eight or nine hours for example to America, you’ll want to give some consideration to legroom before booking. The legroom on aircraft can actually vary from 74cm up to 91cm or more – that’s a big difference and you’ll find that even an extra 2.5cm can make a difference to your comfort and health. Check the legroom before booking - to be blunt, it can be worth paying extra to upgrade to roomier seats or to fly by a different airline just to get that all-important extra space for your legs. There is much you can also do during the flight. Here are some useful exercises you can do. During the flight; regularly move your feet in circles; flex and point your toes; stretch and massage your calves; stroll up and down the aisle every hour. It is also important to avoid; sitting in the same position for too longcrossing your legs or ankles; taking sleeping pills unless you can sleep horizontally. Ease Breathlessness The thin air inside the aircraft can cause breathlessness especially if you are; overweight; asthmatic; pregnant; suffer from a lung-related illness or disease.If you fall into any of these categories, you need to think about taking care of your breathing. Although your body should adjust itself during the flight, you may wish to ease the problem as soon as possible. You can do this by relaxing your shoulders and stomach muscles, leaning forward and taking slow, deep breaths. If the breathlessness persists and makes you feel uncomfortable or alarmed, you can ask the cabin crew for oxygen. Thin air can also lead to fainting, and this happens most often when someone stands up quickly after having sat still for most of a long flight. Be aware that this can happen. It tends to look more dramatic than it is, although there is the risk of injury. To avoid this happening, flex your body all over before standing up. This can help to pump blood to your head. Stand up slowly, holding your seat. Wait for a few minutes before walking. Tricks of the Trade Feel good throughout the flight by wearing several layers of loose, lightweight clothes. Reduced air pressure in the cabin can cause air within your body to expand. Loose clothes are a must. Wear loose shoes as well. If you wear tight shoes, be wary of taking them off during the flight. You may find it hard to put them back on at the end. Having several layers of clothes is helpful. The cabin temperature can vary during a flight and you may feel cold, then warm, then cold again. You can add or remove layers to suit the temperature. Avoid hypoxidosis – mild altitude sickness caused by oxygen deficiency - by sitting still and closing your eyes, sipping cool water every few minutes and trying to relax. If you need to, ask cabin crew for an air bag to breathe into. Reduce your risk of catching germs from re-circulating air by taking vitamin C as a booster in the week up to flying. Smear Vaseline inside your nostrils when in the air cabin – and smear again as and when necessary. There are many reasons why you may have been the victim of payment protection insurance (PPI) mis-selling. If you have been mis-sold PPI you could be entitled to claim compensation. To help you find out if you are a victim I have produced a quick checklist so you can see if you may have a claim.
First, you need to check if you had PPI on any credit cards or personal loans during the past six years, even if you have since paid them off. If you did have PPI then run through the checklist below your bank or lender had a responsibility to ensure the PPI was suitable for you at the time it was sold to you. · Did your bank or lender tell you that you must have the PPI as part of the deal to get the credit card or loan? If so, that’s wrong. Having PPI is entirely optional. · Was the PPI added to your credit card or personal loan without your knowledge? For most people it is not immediately apparent they are paying for PPI because its cost is merged into the loan repayments. The terms and cost of the insurance should have been explained and checked for suitability. · Were you unemployed, self-employed, redundant, a student or retired? If so and you were sold employment cover as part of the PPI policy then it’s often worthless. You should have been made aware of this. · Did you have any pre-existing medical conditions? Your bank or lender should have checked this as any pre-existing medical conditions are likely to be excluded from the PPI cover. You should have been made aware of this. · Did you already have existing cover through benefits available from your employer? If so, your bank or lender should have checked this. If one or more of these points apply to your circumstances at the time the PPI policy was sold to you, then it’s likely you are the victim of mis-selling. KINGSTOWN, St Vincent and the Grenadines, Argyle International Airport is on target to open in late 2013.
This has been confirmed by the developer responsible for constructing the new St Vincent and the Grenadines international air gateway. According to the International Airport Development Company (IADC), work has been completed on close to three-quarters of the earthworks for required for the airport’s runway, apron and taxiways. Earthworks on the airport commenced in August 2008 and since then the work team, comprising Vincentians and Cubans, have been have been hard at work, clearing and grubbing the area, demolishing the abandoned structures on the site, and removing the top soil. The IADC affirmed that “work on the terminal building continues apace”, ensuring that it is on schedule to be completed by the contracted date of December 2013, in time for the tourism high season in the Caribbean. The Argyle International Airport is being built on about 290 acres of land, with a paved runway 2,743 metres (9,000 feet) long, and 45 metres (150 feet) wide. Its runway length will allow for direct flights to St Vincent and the Grenadines from USA, Canada, Europe and Central and South America. The airport is designed to accommodate jets as large as the Boeing 747-400s. The US$216 million airport is expected to boast a single 1.5 million capacity per annum terminal built over three-storeys on 145,000sq ft with dedicated areas for ‘domestic’ and ‘international’ passengers. The terminal building will have about 8,700 square metres of floor space, to handle about 1.4 million passengers per year. As of May 2012, the contractor, Overseas Engineering Construction Company (OECC), had completed 23 percent of the work on the building. To book a holiday to St Vincent follow the link - HOLIDAY To invest in the 5* Buccament Bay resort which is being built to help cope with the influx of the 1.4 million visitors a year follow the link - INVEST The Financial Services Authority (FSA) announced today that Lenders paid out £570.5 million in compensation during April to victims of payment protection insurance (PPI) mis-selling.
This is the largest overall monthly pay out and pushes the total paid out since January 2011 to £4 billion. But with an estimated £9 billion of compensation due in total, the process is far from over. Last month, Lloyds Banking Group, RBS and HSBC set aside £800 million extra between them, on top of their original pots to pay out from. Barclays also set aside an extra £300 million in April. Millions will see pensions slashed by up to 20% as new EU rules are set to send annuities plummeting22/6/2012
MORE bad news on pension's!! TIME TO ACT!
Millions of people could see the value of their pensions slashed by up to 20 per cent because of new EU rules. Those with a £100,000 pension fund could be more than £1,100 per year worse off in retirement because of the reforms, research has shown. The Solvency II rules, which are due to come into effect in January 2014, will force pension funds to hold a higher proportion of 'safe' Government bonds. As the bonds - called gilts - have such low rates of return it will drive down the returns on retirement fund annuities, which are used to pension income. The reforms are designed to make pension funds safer and reduce the risk of them going bust. Annuities, which set retirement income for life, have already fallen to historic lows because of the impact of quantitative easing. At present, a pension annuity fund may invest 20 per cent in low-yield gilts and the rest in riskier corporate bonds which have a higher rate of return. But under the new EU rules, annuity funds will be forced to hold a higher percentage of gilts. New research by Deloitte suggests annuity rates will plunge by between five and 20 per cent when the directive comes into force in January 2014. A £100,000 pension pot currently gives an income of £5,837, but once the regulations come into effect they will be between £292 and £1,167 a year worse off. Take control of your pension by investing in Alternative Investments via a SIPP. LINK TO SIPP INFORMATION PAGE AND VIDEO - SIPP's LINK Read more: ARTICLE LINK A new concept in affordable housing
– £44,950 purchase price – 30.84% below market value -- £20,000 instant equity -- 8% net yields -- SPECIAL OFFER - BUY 5 for the Price of 4.5 - Saving £22,475 Beacon Apartments encompasses an exciting new living concept of one-bedroom UrbanPads for key workers and young professionals and are ideal for first time buyers and investors alike. Located near the centre of Gateshead in the North East of England, Beacon Apartments will be the ideal location for young professionals and those working in the nearby towns and cities such as Newcastle and Durham. The property is situated in close proximity to main motorways and transport links and provides quick and easy access to business centres. Beacon Apartments sits near to the A167 Gateshead Highway, which provides surrounding areas and also the A1 via A184 and the A19 for those commuting to places of work. A converted 1970s building with fully renovated interiors and exteriors, Beacon Apartments is a modern property and provides an attractive option for people looking for central living spaces. The new concept development will be converted into 112 Urban Pads. They are 30m2, one bedroom suited for urban living preferred by young professionals. Each pad will consist of a living and kitchen area, a bedroom and a bathroom. Highlights of Beacon Apartments - Close to areas of interest such as Newcastle and Durham. - Urban Pads concept providing 112 urban pads with rents from £395 pcm. - High Net Yields. Email for further information - EMAIL Student accommodation will continue to offer attractive investment returns in spite of upcoming changes to tuition fees, this is according to all the major market analysts.
Private investors have been attracted to student property as an asset class due to the relatively high yields on offer, driven by the imbalance between the supply of accommodation and the high demand for university places. With an offer on at the moment of buy five get one free there has never been a better time to buy into this market especially when you consider that the current value for student accommodation is £45,000 per unit whilst the deal offered nets the properties down to £25000 per unit. Link to further information – Student pods. Buy to let mortgage lenders are sighing with relief after the European parliament voted to exclude landlord loans from tough new lending rules.
The UK’s Council of Mortgage Lenders (CML) has campaigned long and hard for buy to let to be treated as a commercial loan rather than a residential mortgage, which was the initial thrust of the European directive on credit agreements relating to residential property (CARRP). After intensive lobbying, the European Parliament’s ECON committee voted to leave buy to let lending outside of the directive. “We’re pleased to see that many of the long standing issues we have been lobbying on have reached a positive outcome for the UK. So for example, the UK would be able to exempt buy to let from the directive,” said a CML spokesman. “However, some provisions have been included which only emerged at a late stage of negotiations but which may not have had their full implications considered and we will continue to work on these issues as the directive goes into its next stage of discussions.” CARRP is aimed at implementing a Europe-wide mortgage policy, but UK lenders claimed this was unfair on buy to let landlords as the UK market differs significantly from the rest of Europe. In most European countries, the buy to let market is either fledgling or developed through lending to companies rather than individual investors. UK residential mortgages will come under the CARRP rules. As a result, mortgage lenders will have to strengthen underwriting for loans, offer a cooling off period to borrowers and will have less power to repossess properties if homeowners fall in to arrears on mortgage repayments. “Parliament has given a qualitative breakthrough regarding the initial text. We now have more ambitious legislation which establishes the international golden standards bringing in the principles recently adopted by the Financial Stability Board”, said the directive’s main champion Antolin Sanchez Presedo after the vote. “We introduced a new chapter on financial education, strengthened information to consumers, established a reflection period and the possibility to receive good advice as well as fair principles for crisis situations.” Savers approaching retirement are being advised to put off buying a lifetime annuity – or even to consider deferring retirement – as the euro crisis further reduces the income offered to UK pensioners.
Pension experts issued the advice after the FTSE 100 index suffered its largest one-day fall since November, as investors fled equities on fears of a Greek exit from the single currency – and bought into “haven” assets, such as government bonds. This shift is significant for those planning their retirement as both the annuity income they can buy with their pension funds, and the income they can draw directly from their funds are determined by the yields on government bonds, or gilts. Heavy buying has pushed gilt prices up, reducing yields to record lows. “It’s such an awful and difficult situation for anyone approaching retirement,” said Dr Ros Altmann, director-general of the Saga Group, the financial services group for over-50s. “If you can delay, it is worth considering because at some point there should be a correction in rates.” Joanne Segars, chief executive of the National Association of Pension Funds, said: “People who are nearing their retirement need to think carefully about whether this is the right time to lock into the current low rates of interest.” Advisers suggested taking pension cash in stages. “It’s possible to phase into retirement by taking tax-free cash only,” said Mike Morrison, head of pensions development with Axa Wealth. “In the short term, it may be possible to take income from elsewhere.” Now is the time to take control of your pension by investing in Alternative Investments via a SIPP - Link to information video on SIPP's and alternative investments. |
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