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is available in the news section as soon as we get it Nelson Bakewell, London Property Auction at The Ballroom, The Langham Hotel, 1c Portland Place, Regent Street, London W1N 4JA December 12th Nerja Property Auctions (Andalucia) , Spain Property & Land Registration begins 5pm January 27th, 2006 At The Hotel Balcon de Europa, NERJA Full details and bidding available on line Pugh & Company Ltd 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 McHugh & Co London Barber & Sons, Shropshire. 20th December 2005 - Heathfield, Hatherton - Farmhouse + 34.48 Acres available in 6 lots Land at Flash Lane, Market Drayton - Pasture land 6.13 Acres Bond Wolfe, West Bromwich, West Midlands 64 lot auction will include disposals on behalf of Birmingham City Council, Wolverhampton Council, British Waterways, and W & D Brewery. The Holt Suite, Aston Villa FC, Villa Park, Birmingham commencing at 1.00 p.m. Catalogue now on line Boultons Estate Agents, Huddersfield 16th February, 2006 44 lots ˆ many of interest to builders, speculators and developers ˆ some just requiring a quick sale at a discounted price. Instructions from Kirklees MC, Barnsley Building Society, Executors, Trustees, Building companies and private individuals. Covering West Yorkshire areas. Details of the properties will be available approximately 3 weeks before the date of the auction. 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
THE number of Britons buying holiday homes abroad is set to double over the next five to seven years. Changes in the way pensions are organised will let people invest their savings for retirement into residential property, wine, fine art and collectibles, allowing them to take advantage of personal pensions tax breaks. At present around 1.4 million people own a second home overseas, and next April's changes in pensions regulations, dubbed A-Day, are likely to lead to more purchases, according to a report from property company Avanti International Developments. The changes to self-invested personal pensions (Sipps) will mean the pension pot can be used to invest in a second home. Saving money into a Sipp attracts the same tax perks offered by any authorised pension scheme. This means a 22% basic-rate taxpayer putting £78,000 into a Sipp has it topped up by the taxman to £100,000. Under the new rules a higher rate taxpayer could pay £60,000 into a fund, have it topped up to £100,000 and use the cash to invest in a holiday home. Avanti told the Association of British Travel Agents annual convention in Marrakech, Morocco that the current value of UK overseas property ownership is around £23bn. It said many travel agents were also becoming estate agents by putting interested clients in touch with overseas property companies and between 2003 and 2004, the number of UK families owning a second property abroad increased by 20%. Emigration to Spain represents 15% of UK outbound emigration and 54,000 people moved from the UK to Spain last year, while 30% of all Britons who re-located abroad last year were over 60 years old. Under the Sipps rules any increase in the value of assets, or any income they generate will be tax-free inside the Sipp, but where a Sipp owns a property that saver intends to stay in, they must show they pay a market rent to use it. Assets inside a Sipp cannot be realised until the investor is aged 50 at the earliest. At the same time, the annual rate of property price growth rose for the third month in a row, to 4.5% - its highest level since May this year, according to Halifax. The bank said there had been a moderate pick-up in house prices during the past six months, with the average cost of a property rising by 4.7% during the period, following modest price falls earlier in the year. But it added that a slowdown in economic growth in the UK, coupled with the still relatively high house price-to-earnings ratio, was likely to act as a brake on strong price rises in future. November's 1.2% rise in prices follows static growth during October, and a rise of 1.1% in September. Despite the improvement in the year-on-year rate of growth, annual house price inflation is still well down on the 16.8% level of November last year. The average property in the UK now costs £170,086. The Halifax figures come days after Nationwide Building Society said house prices had remained unchanged during November, while it also reported an easing in the annual rate of growth to 2.4%, down from 3.3% for the year to the end of October. Halifax attributed November's price rise to the higher levels of activity that had been seen in the market in previous months. It said its estate agents had seen a rise in sales, with the number of properties changing hands during October higher than during the same month of the previous year for the first time in 2005. It added that the Bank of England had also reported an increase in mortgage approvals for house purchase for the fourth month in a row during October. Martin Ellis, Halifax chief economist, said: 'Overall, prices have increased by 4.7% over the past six months. The high level of employment and good earnings growth continues to underpin housing demand. 'The slowdown in UK economic growth over the past year and the historically high level of house prices relative to average earnings are, however, expected to curb the recent improvement in housing demand and prevent another sustained period of sharply rising property values.' Brown's boost for homes A PLAN to help thousands of young families to own their own homes was unveiled by Gordon Brown in his Pre-Budget Report to the House of Commons this afternoon. Couples will be able to buy a house even if they can only afford 75% of the asking price. The remaining 25% will be bought by their lender and the Government, who will become silent partners. The plan was the clear headline-grabbing proposal in the Pre-Budget Report that saw the Chancellor, who has been famously celebrated for his prudence, being forced to admit that his forecast for economic growth at the time of the main Budget in March was hopelessly optimistic. Last March, the Chancellor forecast the economy would grow at between 3% and 3.5%. Today he said the figure would be 1.75%, blaming the 'virtual doubling' of global oil prices. This had been 'the toughest and most challenging year for the economy,' he said. However, he said that next year, growth would rise to 2-2.5%. and 2.75-3.25% in the following two years. Deputy Prime Minister John Prescott ia to publish new planning guidelines to increase the rate of house building. Local authorities will be obliged to accelerate planning consent and asked to bring forward brownfield sites for development. A consultation will be launched on proposals for a local 'planning gain supplement' giving local councils a share in the profit made by landowners on areas gaining planning permission. This is the heavily-leaked windfall-tax on landowners that could bring the Treasury £3bn a year. On council tax, the Chancellor said, £305m will be made available in 2006 and £508m in 2007 to help keep bills down. The Chancellor also announced plans to boost training in 50,000 companies to help 300,000 new employees. The Pre-Budget Report gives an update of the state of the economy and public finances, and sets out the direction of Government policy in the run up to the spring Budget. The mini-Budget at a glance CHANCELLOR Gordon Brown stood up to speak at 3.30pm. The key points in his pre-Budget report speech follow: Economy * Despite oil prices having virtually doubled in a year, the inflation target of 2% this year was met. * House price inflation has moderated to 3% this year. * The forecast for economic growth is cut back to 1.75% from the 3.0-3.5% predicted in March. Oil prices and inflation are to blame * Growth next year is forecast at 2.0-2.5%, and on course to meet inflation targets for 2006 and 2007. Employment * Employment is up by 330,000 this year, at 28.8m the highest in UK history. * New Deal will be strengthened next year. A scheme to train workers will be rolled out nationwide to include 50,000 firms and 300,000 employees. * Personal action plans introduced for those unemployed for longer than six months. * A new training wage will be introduced. Housing * Deputy Prime Minister John Prescott to publish new planning guidelines to increase rate of house building, and bring forward brownfield sites for development. * Couples will be able to buy a house even if they can only afford 75% of the asking price. The remaining 25% will be bought by their lender and the Government, who will become silent partners. * A consultation to be launched on proposals for a local planning gain supplement giving local councils a share in the profit made by landowners on areas gaining planning permission. * New legislation for Real Estate Investment Trusts to increase funding for new property developments. Business * Flexible VAT for small business to be introduced. * Reforms will help firms access research and development tax credits while a network of innovation centres will be created in each region. Transport * Investment in transport is to double. Government finances * Budget deficit to fall from £19bn in 2004 to £10bn in 2005. * The Government's fiscal rule to be met in this cycle by more than £16bn. * Budget deficit predicted to fall to £4bn next year, zero the following year and then to become a surplus of £7bn, £11bn and £13bn in subsequent years. Taxation * Freeze on petrol, diesel, and road fuel gas duties for this financial year, at a cost to the Treasury of £600m. * £305m will be made available in 2006 and £508m in 2007 to help reduce the pressure on council tax. Energy policy * Enhancing the capital allowances for production of the most environmentally friendly biofuels. * Further support for clean coal and all carbon abatement technologies and further funding for the Carbon Trust. * Supporting Ofgem's call for an urgent investigation to make sure that this winter there are no restrictions on imports of gas from Europe. * Supplementary North Sea charge raised from 10% to 20%. Winter fuel * Winter fuel payment £200 for the rest of this Parliament, £300 stg for the over-eighties. * An additional £300m over the next three years, the Government's Warm Front programme, offering households on pension credit free installation of central heating * Pensioner households without central heating get £300 towards the costs of installation. * Energy companies to offer free insulation for all pensioner households on pension credit. Youth and community * Agreement with the banks and building societies that unclaimed assets held in accounts will be put to use to improve youth and community facilities. * Launch the country's first national youth community service - with up to £100m of initial finance. * On average £500,000 for each local authority to set up a young people's fund for amenities and activities. 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
The Positive Club Wisdom Knowledge is what you know about some particular thing or another.
Wisdom is what you know about all that is. When faced with a decision, your thoughts will take you only so far. After reaching that point, let wisdom guide you. Wisdom is what you know without the slightest bit of doubt or hesitation. When you act based on wisdom, you act with real confidence and true purpose. Wisdom is more than merely the memory of a certain set of facts, conditions or circumstances. Wisdom is an awareness of what is, combined with a love of life, of light, of truth. Wisdom is there for you to discover and nurture in each moment. Open your mind, your heart, and your spirit to the wisdom that can bring real and lasting value to your world. Remember
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