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is available in the news section as soon as we get it We are delighted to inform you of our updated interactive website which can be accessed via the link provided below. Please view the new site at www.pugh-company.co.uk , clicking on the AUCTIONS menu and then on Current Auction. The Auction will be held at Terminal 2 Manchester International Airport and includes 178 lots. We are acting on behalf of clients such as St Helens Council, Calderdale Council, Lancashire County Council, Salford City Council, Trafford Metropolitan Borough Council, Tameside Metropolitan Borough Council, Sefton Council, Telereal, British Waterways, and United Utilities. The online brochure is complete with individual pages for each lot, the Guide Price List and a regularly updated copy of The Addendum. In order to access each individual lot page, simply click on the Lot Number. Thank you for your interest and please e-mailauctions@pugh-company.co.uk with your comments. STEVE SWAINSON BSc (Hons) MRICS David James & Partners Bristol Goadsby & Harding, Dorset Harman Healy, London McHugh & Co London Maggs & Allen, Bristol FULL LIST OF HUNDREDS OF AUCTIONS ACROSS THE UK AVAILABLE AT THE HOT PROPERTY SITE WE ADVISE YOU TO CONFIRM ABOVE DETAILS WITH AUCTIONEER BEFORE TRAVELLING News 40% OFF PROPERTY ˆ WITH THE BLESSING OF THE TAXMAN!! How to buy a £200,000 home for £120,000 We reveal how as pension 'A-Day' approaches, you could get a 40% discount off any property you buy 6 April 2006 could be the most important day of your life if you've ever dreamt of making your fortune in property. It will mark the most radical reform of the British pensions system in 50 years and is known as A.Day. Safeguard your future with bricks and mortar After this date you will be allowed to put property into your pension for the very first time. Also, even better, you can receive up to 40% off any commercial or residential property you purchase ˆ all with the blessing of the taxman. Buy property at 2001 prices ˆ Courtesy of a Self-Invested Pension Presently, the way to own property in a pension is through an insurance company property fund. From 'A-Day' onwards by the choice of a Self-Invested Pension (SIPP) you will, as an individual, be able to invest in commercial or residential property as part of your pension fund. GET THIS FREE REPORT ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Each month we aim to bring you the Bank of England Interest Base Rate Decision within minutes of it being announced. For information on previous Base Rate decisions, meeting minutes and information about the Bank of England please visit their website at:- http://www.bankofengland.co.uk Council tax up by 7% in 2006 NEXT year's council tax bills are likely to rocket by three times the rate of inflation, Gordon Brown was warned yesterday. Homeowners face demands that will be an average of 7% higher than this year, according to an analysis passed to the Chancellor by town halls. That scale of increase would mean anyone living in a benchmark band D home would be asked for an extra £85 on this year's average bill of £1,214. Some areas could see even bigger rises because their local authorities face greater costs. A succession of increases has seen the council tax burden rise in England by nearly 80% since 1997 - and has led to protests that are causing growing alarm among ministers. There are also extra costs for landfill tax for disposing of growing amounts of household waste while the Children's Bill requires extra bureaucratic spending and payments to foster parents. Road maintenance costs are rising fast but the Treasury is giving nothing at all extra for this. Sir Sandy said: 'They are expecting us to spend more on services without giving us the money to do it. That means they expect the public to pay - it is a stealth tax.' Some areas are facing increases of 10% or more while Surrey County Council is among a number examining large-scale cuts in services in an attempt to keep rises down. In recent weeks two pensioners, Alfred Ridley and Sylvia Hardy, have been jailed for refusing to pay increases above inflation. The figures for next year's rise were produced by the Local Government Association, the umbrella body for local authorities, which canvassed 250 councils, half of all those in England and Wales. They have been sent to Mr Brown with a plea for more billions from the Treasury. Association chairman Sir Sandy Bruce-Lockhart said local taxpayers could not afford the seven per cent increase. 'We are telling Mr Brown he has two weeks to talk to us about what we are going to do to get this down,' he said. 'After that we shall be taking our case to the public.' The pressure from the town halls will add to the growing sense of crisis in Whitehall over the remorseless rises in local taxation and the increasing political damage they are causing to the Government. Mr Brown forestalled increases last year by handing councils a £1bn one-off payment. The handout - effectively an election year bribe - kept rises down to below 5%. This is only just over double the rate of inflation which, according to the Consumer Prices Index, is now 2.4%. But this year the Chancellor has a £10bn 'black hole' in his accounts and another bailout appears out of the question. The LGA report is timed to reach Mr Brown well before his December Pre-Budget Report, which will set out how much councils will get. The LGA says local authorities are faced with extra costs to pay for social services for the old and their own staff pensions. House prices rise, 1st time in 6 mths-Rightmove Average asking prices on British homes rose for the first time in six months from mid-September to mid-October, adding to growing evidence that the property market is stabilising, according to a survey on Monday. Property web site Rightmove said house prices rose by 0.5 percent in its September 11 to October 8 survey compared with the previous period, the first time since April it has recorded a monthly price rise. The average asking price for a property rose to 196,348 pounds from 195,407 in the last survey. Over 100,000 new properties came onto the market in that time. The annual rate of increase held mostly steady at 1.5 percent compared with 1.6 percent in the previous survey. The average number of unsold properties on estate agents' books fell to 71 from 72 in the last survey, Righmove said. The state of the housing market is a key economic indicator in Britain where most families own their own home and where fast-rising prices earlier this decade provided a feelgood factor for many consumers. Rightmove director Miles Shipside said that while the market appeared to be having a soft landing, a full recovery was still some way off. "Don't expect the market to take off again until a refuelling by more first time buyers, lower mortgage rates, and a continuation of realistic pricing by sellers and their estate agents," he said. Buying In Slovakia Recently the subject of a very popular series on Channel 4, Slovakia is an increasingly popular destination for people looking for property overseas The Market Slovakia is one of Europe‚s rising stars: according to Europstat it has the fastest growing economy in central Europe, with a real annual GDP growth of four per cent per annum; foreign direct investment has increased from US$2 billion to US$10 billion since 1999, making it the fastest transforming business economy, says the World Bank; property prices have risen by 15-20 per cent in the past 12 months; and easyJet began flying into the country earlier this year, bringing the eastern half of former Czechoslovakia to the notice of a property buyers and investors from the UK. Petra Gajdosikova, managing director of Slovakia Investment Property (www.slovakiainvestmentproperty.com), has witnessed the country‚s emergence from its former Communist past at firsthand: "Slovakia‚s accession to the EU in 2004 has already given its property market a huge boost in terms of foreign interest and this trend is set to continue," she says. " Bratislava, the capital, is a beautiful and historic city, and Trnava, a university town 20 minutes‚ drive from the capital, is being billed as the next big thing. Investors are attracted to its cheap property prices and strong rental demand, which has seen rental values rise by almost 15 per cent in the last year. A modern development in Trnava can deliver yields of about eight to nine per cent, making it an excellent investment opportunity." Gajdosikova is marketing a modern, eight-storey complex development in Trnava, comprising 87 one-, two- and three- bedroom apartments, situated within walking distance of the city centre. All apartments have laminated wooden floors in the bedroom and living room, ceramic tiles in the bathroom and toilet, fully fitted bathroom suite and WC, internal wooden doors and fireproof security entry door. Prices for a 60 m2 one-bedroom apartment start at £35,000. New build property prices are similarly attractive in Bratislava, the country‚s historic premier city that bears a strong resemblance to neighbouring Prague, earning it the soubriquet Œmini-Prague‚, notes Simon Hill, CEO of property investment company, Letterstone (www.letterstone.com). "Having also sold properties in Prague, we were struck by the similarities between the two neighbouring capitals in terms of architecture, culture and preservation of historic buildings," he says "Both are situated on the River Danube and have beautiful historic town centres in what is a booming country economically. We are delighted to be marketing Zohor, a development of one- and two-bedroom apartments, where prices start from £28,722 with less than a £6,000 deposit required." Located a 15-minute drive north of the old town centre, known as Stare Mesto, whose medieval highlights include the late 14th century St Michael‚s Gate and later Tower, and St Martin‚s Cathedral, built in the 1300-1400‚s, Zohor is the nearest town to the Volkswagen factory which provides jobs for 10,000 local workers, who Hill believes will provide the tenants for the units being built. "Investors will get a guaranteed rental yield of seven per cent gross for two years," he says, "and because the Slovak government has put a fiscal policy in place to attract overseas investors, which means foreigners don‚t have to pay stamp duty, we believe Slovakia is one of the best places in central Europe to offer a steady rental income as well as strong capital appreciation in the medium- to long-term." Other factors contributing to make property ever more desirable in Slovakia include the country‚s central European location. Commuting time to neighbouring Vienna, where house prices are more than double Bratislava‚s, will be only 30 minutes when a new highway linking the two cities opens in 2007. Additionally, an under supply of properties is fuelling the boom, as Gajdosikova explains. "The country has some of the lowest construction rates in Europe and the Slovak government estimates that 45-50,000 new properties would need to be built in order to meet the current needs. However, only around 13,000 new properties are constructed annually in Slovakia. Consequently, house prices will continue to rise as demand outstrips supply in the short- to medium-term." Whilst the authorities play catch up with the growing demand, older style properties remain desirable with buyers. Typical examples include a family house located in Braitislava‚s Stare Mesto district that is priced £255,000 through estate agents www.slovakia-property.com. Set in 663m2 of land with an outdoor swimming pool, the property has several good-sized rooms on two floors and a convertible loft area. Similar to new build properties, period houses in premium areas, such as Stare Mesto, have seen strong and stable growth over the last few years, notes Gajdosikova. "In Bratislava, land prices, new built flats, and good quality apartments in well-maintained pre-war blocks in the old town are increasing strongly and this is likely to continue over the next five years," she says. "We expect a healthy growth of 15% per annum, and even higher in the more exclusive areas, such as Stare Mesto." Be on Channel 4 TV - Are you looking to buy a property in South Africa? Appear on A Place in the Sun We‚re looking for house hunters who have their finances in place and are ready to buy this year in South Africa... If you fit the bill please contact emmat@fftv.co.uk giving your age, budget and location. If you are flexible about the location, we are also happy to hear from you. Alternatively you can call 020 7739 9357. Councils to be "named and shamed" over flood development The Environment Agency is considering "naming and shaming" local
authorities which persistently ignore advice from the agency
over allowing development in flood plains. That's according to an assessment of current housing trends published by the Office of the Deputy Prime Minister. This preliminary analysis, prepared as part of the government's response to the Barker review, indicated that by 2026 the proportion of "thirty-something" couples able to afford to buy is set to fall to around a third. This compares with the present position where half such couples can afford home-ownership. In the late 80s the proportion went as high as two-thirds. The ODPM assessment argues that building more homes reduces pressure on house prices and helps more families afford their own homes. Ministers have promised to respond to the Barker's review urging higher levels of house-building and possibly a new tax on greenfield development later this year. Official figures collected for the Survey of English Housing 2004/05 show that the number of households under 30 with mortgages has dropped from 46 per cent a decade ago to around 36 per cent. Planning minister Yvette Cooper insisted: "We need to start planning new homes for the future right now." She added: "A lot of myths and misinformation about house-building have been promoted by people who want to block new homes. "The fact is that we can build more new homes and safeguard the environment at the same time. People need to recognise it is unsustainable to carry on as we are."
The Positive Club The Place Where You Are. The place where life happens is the place where you are. The
place where you build success and achievement is the place where
you are. If you spend your time wishing you were someplace else, then you lose the opportunity to get there. Instead, see the power and the possibilities of the place where you are, and tap into the real value of what you now have. If you fill the place where you are with worry, frustration, anxiety or anger, you put needless limitations on what you can do. Instead, fill this moment, this set of circumstances with joy, love, gratitude and enthusiasm for the positive possibilities. Give the best that you can to the place where you are. For your world is determined not by what you hope to do on some distant someday, but by how you live right here and now. This is the place where you are. Live it for all that it is. -- Ralph Marston Remember
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