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is available in the news section as soon as we get it Ward & Partners, Maidstone,
Kent Mixed Property Auction held at the Ramada Jarvis Hotel (formerly known as the Great Danes Hotel), Hollingbourne, Maidstone, Kent and commence at 12 Noon. Bulls Head Inn, Shropshire *NEW* ON THE INSTRUCTIONS OF MR P J FLEMING FCA, THE TRUSTEE IN BANKRUPTCY OF KEVIN & LYNDA GRIMSTON, Robson Kay & Co Ltd offer FOR SALE BY PRIVATE TREATY A High Trading Shropshire Village Centre Pub/Restaurant BULLS HEAD INN TO VIEW: Strictly by prior appointment only through the vendors‚ Agents, Robson Kay & Co Ltd Investment/ Refurbishment Opportunity Grange Road West, Birkenhead Double Retail Unit with Large Offices on Two Upper Floors above Robson Kay are instructed by Mr D Moore & Mr D Bailey Joint Administrators of Wirral Rehab (Mental Health) Ltd To sell the above mentioned property Which is currently available with vacant possession Further details to be available shortly SHERRY FITZGERALD, IRELAND. Auction 18th January, 2006. Town Centre Uses Zoned property in need of refurbishment. The property was previously divided into two residential units. There is potential to convert to commercial/ office use (Subject to Planning Permission). Wolfe Tone Place is adjacent to the main commercial areas of Thurles namely Westgate, Friar Street & Liberty Square. Land for sale in Saunderton * 3 Secondary schools within 5 miles * 21 Primary Schools within 5 miles * Residents in the area are described as "wealthy commuters living in villages" - ACORN. More details on line at Hot Property Investor ˆ Join now 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 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 Shares beat property in 2005 HOUSE prices rose by just 3% during 2005 with increases failing to make it into double digits for the first time in five years, figures showed today. The growth was well down on the 12.7% by which property prices rose during 2004, according to Nationwide Building Society. The group said that during the past 12 months the average home in the UK had seen its value rise by just over £4,500 to £157,250, roughly the same level that house prices were at in May this year. It said this gain was the equivalent of prices rising by £13 a day during the year, well down on the average rise of £47 a day seen during the previous 12 months. Despite the subdued year, the market ended 2005 on a stronger footing, with prices rising by 0.5% during December, boosting house price growth during the last quarter of 2005 to 1.3%. Fionnuala Earley, Nationwide's group economist, said: 'Prices in the last three months of 2005 rose by 1.3%, more than the 0.8% in the same period last year. But the rate of growth is still modest by the standards of the last five years, when three monthly growth rates of more than twice this rate were normal.' She said 2005 was the first time in five years that house price inflation had ended the year in single digits. She added that it was also the first time this century that equity prices had outperformed house prices, with the FTSE 100 Index rising by 16% during the year. Nationwide said it expected the Bank of England's Monetary Policy Committee to cut interest rates early next year. But despite this and the boost August's interest rate cut gave to the market, the group predicted house prices would remain broadly stable and rise by between 0% and 3% during 2006. Ms Earley said: 'A cut in interest rates will clearly be favourable for the housing market, but while the market responded quite swiftly to the rate cut in August, we do not expect a cut to cause annual house price inflation to accelerate back up to levels seen in early 2005. 'Broadly favourable economic conditions, combined with the ongoing imbalance between the demand for housing and the rate of new build, mean that there is a supportive environment for prices. But affordability, particularly for first-time buyers, remains a significant obstacle.' Will you be able to sell in 2006? PROPERTY predictions come thick and fast at this time of year and the only consensus the experts have reached to is to agree to disagree. House price forecasts from major industry players have ranged from gloomy prophecies of falling prices to optimistic anticipation of a relatively buoyant market ahead. All of the firms and organisations that issue figures on house prices have their own vested interest and draw conclusions from different data. But regardless of the politics, what you want to know is has the market - generally judged to have risen just 2% this year ˆ run out of steam? And what are the chances of selling your home in 2006? To give you a helping hand we have pulled on its psychic hat and reviewed the predictions, letting you know what to expect in 2006: John Charcol ˆ 5.5% increase The independent mortgage brokers issued the most upbeat prediction for house prices in 2006, with expert Ray Boulger claiming there will be a bright light at the end of 2005's relatively slow tunnel. He said interest rates could be cut by up to 0.75% next year, helping to fuel house price growth. Verdict: Two years ago predictions of a 5.5% increase in prices would have been seen as cautious, but after a slow 2005 Charcol's forecast is seen as bold. If Mr Boulger's crystal ball is to be proved right it will be demand in Scotland, Wales and the North most likely to deliver. Royal Institution of Chartered Surveyors ˆ 4% increase Rics reckons the property market had a soft landing in 2005, and predicts a 'modest' upturn next year of 4% and another 3% in 2007. It sees interest rates cut by 0.25% and mortgage approvals rising from a five-year low this year thanks to more affordable borrowing. Verdict: Rics sees affordability playing its part in keeping the market in steady growth. If interest rates are cut again it will help people stretch their mortgage repayments, but with average first-time buyer prices now £152,331 ˆ almost seven times the average salary of £22,941 ˆ people will still struggle to get on the ladder. Halifax ˆ 3% rise Halifax forecasts a steady property market in 2006, with prices rising broadly in line with retail price inflation. The only areas it sees with growth pushing towards its long-term average of 8% are Scotland (7%) and Northern Ireland (5%). The silver lining for the lender is earnings growth, which it says will outstrip average price rises and go up by 4.5%. Verdict: If average earnings rise more than house prices it will be good news for first-time buyers. This eventually means good news for everyone else, as people at the top of the ladder need more people joining at the bottom. The only problem is despite low average growth this year of 2.2%, the Office of the Deputy Prime Minister says first-time buyers' prices rose by 5%. Hometrack ˆ 1% rise The property research firm takes its figures from 7,500 estate agents across Britain and the industry normally known for its bullishness claimed prices fell by 1.3% in 2005. Hometrack has predicted a below inflation 1% rise that would see the value of people's houses drop in real terms. Verdict: You know something has gone a bit awry when estate agents are talking the market down. Their caution reflects the mantra reeled out in 2005 that sellers need to realise they have to price their home realistically. If you want to sell your home in 2006, set a sensible price that you will accept. Nationwide ˆ 0% to 3% Britain's biggest building society claims its spot at the glass half empty end of the spectrum by saying prices could remain unchanged ˆ although by covering its bases and predicting up to 3% as well it could be considered mildly confident too. It said there could be a marked increase in sales activity but does not see that translating into rising prices. Verdict: Nationwide has kept its
options open by suggesting between 0 and 3%. The lower end of
the scale will see real value lost through inflation, while the
upper end will see a slight gain, or value remain steady, if
inflation targets of 2% are met. Going Up: Scotland Northern Ireland Posh London addresses Cheaper areas close to large cities Three-bedroom family homes Going down: One bedroom flats Luxury homes at inflated prices
South West England East Anglia Estate agents' bonuses 1. Beware of payment protection insurance LEADING High Street banks and loan companies continue to hide the considerable cost of payment protection insurance (PPI) in loan repayment quotes ˆ and do not make it clear to consumers that they are not obliged to take out the lender's cover. The PPI offered by lenders along with a personal loan or a credit card is invariably hugely overpriced. These policies can be purchased as stand-alone products. If you think you might need to cover your repayments, or if a lender insists on it, shop around using search engines such as Insuresupermarket.co.uk or a specialist broker like Paymentcare.co.uk. 2. Make sure your gadgets are insured THE most common way to guard against loss of MP3 players, phones, cameras and laptops is to add personal possessions cover to a home contents policy that protects against the loss or theft of items outside the home. This usually adds about 20% to the cost of annual premiums, probably about £30-£40. Esure.com says the annual premium for £2,500 of personal possessions insurance is about £30 and covers mobile phones. Halifax offers personal possessions cover protecting all family members against loss or theft of items such as personal stereos, money and mobile phones. Cover costs about £40 a year. MUST-HAVE: The black iPod NanoHiscox includes such cover in its standard home contents policies. 3. Review your critical illness cover AND that means both with respect to whether its terms and condition have changed, and to whether it's actually worthwhile at all. These policies have become significantly more expensive over the last few years and at the same time many insurers have tightened their terms to omit many conditions that policyholders assume they would be covered for. Particularly contentious is the tendency of insurers to use obscure instances of non-disclosure of past ailments to avoid paying out. If you are worried about paying debts or having an income if you fall ill, you could consider as an alternative permanent health insurance, an income protection policy or a good payment protection policy from a specialist broker. 4. Don't go ski-ing without the right cover RESEARCH by Legal & General shows that skiers regularly under-insure their luggage and contents as well as their bodies, as expensive ski-ing equipment can multiply the value of regular luggage. The cost for skiing injuries can easily add up to £1,500 or over once doctor's fees, x-rays and the cost of special arrangements to return home are included. Keep details of your cover and the emergency number you should
call if you need to claim with you or your hand luggage so you
can check what to do immediately. Check the actual number of
days cover you have, and what excesses apply under your policy. Check the maximum amount of cover available for the replacement of sports equipment and clothing if lost or damaged. SNOW JOKE: Take cover on holiday Check if it is possible to make a claim if the piste is closed and any limits on the amount that may be claimed for travelling costs to alternative skiing area. Is financial support available if an avalanche or landslide restricts travel or skiing in a resort? Check the range of winter sports and other activities that are covered. For example is off-piste skiing covered with or without a guide? Find the best-value policies with This is Money's travel insurance finder. 5. Consider car breakdown cover WITH possibly the worst half of a cold winter ahead, drivers should make sure they have adequate motor breakdown cover. The standard options you should look for are tow to garage, fix at roadside, take you and your passengers home, fix at home, and car hire or accommodation if your car cannot be fixed. These standard benefits rarely vary from provider to provider but there are many additional features and benefits available and these do vary widely. This is Money partner Insuresupermarket.com says the breakdown policy with the most additional features and benefits is provided by Autohome Europlus, including cover whilst driving on the continent, recovery for accident, theft or vandalism, and provision of a relief driver among others. Gas bills set to soar in 2006 MILLIONS of Britons face more fuel price woe next year after the UK's largest power supplier warned that a further hike to bills was inevitable. Centrica said its 17m British Gas customers will have to pay more for gas and electricity in 2006 despite sharp rises this year. The news came as the company admitted that its profits for 2005 would be ahead of the £337m it made last year. The City is expecting profits for the 12 months to December 31 to total around £526m. When Centrica reported its results for 2004 in February it said it had no plans to raise bills for British Gas customers in 2005. The firm hiked bills by 15% only in September but volatile wholesale gas prices means that its residential business is still making a loss. Wholesale prices have risen by around 40% since the start of the year. The September rise resulted in the hemorrhaging of 160,000 customers and a further price rise will surely signal the loss of more. The move followed two previous price rises of 12.4% in September last year and 5.9% eight months earlier, which contributed to more than 1.1m customers deserting British Gas in 2004. The company, which also owns telecoms firm OneTel, added that it would need to cut more jobs in order to achieve cost savings of £30m by 2007. It has already indicated that 2,000 jobs will go, but there will be further cuts in the business' corporate and support structure. In a statement, it said: 'Consumers will face another year of price increases as all suppliers look to recover higher wholesale costs. With continuing wholesale commodity price volatility, 2006 will be a challenging year for Centrica.' British businesses claim planning system is failing to deliver According to an assessment published by the Confederation of British Industry (CBI), the planning system is less business-friendly than in 2001. Its report has claimed that the pressure on councils from the new target-led approach has fostered a suspicion that some applications are being rejected "simply in order to meet government-imposed performance deadlines". The report also highlighted staff shortages and called for an overhaul of the target system and tighter timetables for complex applications. The CBI "audit" acknowledged some initiatives had been beneficial, citing the creation of the Planning Portal and the ministerial rejection of calls for third-party appeals but complained that there had been a jump in the refusal rate for all applications (some 23 per cent in the case of office proposals) and a delay in bringing in Local Development Orders and so-called "dual jurisdiction". The CBI report also highlighted what it termed damaging changes like the shorter lifetime for consents. The report voiced particular concern over what it saw as lack of any significant improvement in the planning process for major infrastructure projects. "We are concerned whether the current system will be able to cope efficiently with approving the significant investment programmes needed over the next 20-30 years". CBI director general Sir Digby Jones called for "more immediate action, like overhauling the target system and introducing better timetables for complex applications." Sir Digby added: "The system has become overloaded with bureaucracy and lost its focus ˆ it needs to operate far more efficiently because at the moment the problems are striking at the very heart of economic and social prosperity", A joint statement from the Office of the Deputy Prime Minister and the Treasury insisted that "the next stage of our reforms will make planning law and procedures simpler, more efficient and more responsive to business and the long-term needs of the economy". The statement claimed that there had been progress since 1997, citing the use of Best Value targets which had dramatically increased the number of planning decision taken on time and the 2004 Planning Act "which introduced flexibility and strategic focus to the planning system". The ODPM and the Treasury added "we recognise that more needs to be done, and look forward to continuing to work closely with business ˆ including the CBI - on planning reform." Building of homes to increase by a third Planners will be forced to allow the building of a third more new homes every year, with the building taking place in the parts of the country where house prices are the highest, the Government said yesterday. Gordon Brown said the Government would be looking at ways of increasing the number of homes built every year from 150,000 across Britain to 190,000, the actual rate at which new households were forming. In doing so, he fought shy of accepting the full recommendations of Kate Barker, the Bank of England adviser who reported on the rate of house building last year, recommending that 70,000-120,000 more homes should be built each year. Mr Brown and John Prescott, the Deputy Prime Minister, have, however, accepted Miss Barker's view that a step change in housing provision is needed with a heavy proportion of them being "affordable". To that end, the Chancellor announced a scheme of shared equity loans to help 20,000 households into home ownership and announced a cross-cutting review that will look at ways of funding the hospitals, schools and roads the new developments will require. The Government is also talking about "growth areas" outside the existing four growth zones - the M11 corridor, Ashford, Milton Keynes and the Thames Gateway. With a view to funding the infrastructure for the new homes, Mr Brown launched a consultation paper on a new development tax, the local planning gain supplement, designed to scoop off some of the profits that landowners make from selling their land when it gets permission for housing. The tax has acquired the prefix "local" since it was last mentioned in the hope of seeing off fears that the funds will automatically be appropriated by the Treasury. Though Mr Brown and his colleagues at the Office of the Deputy Prime Minister stressed that the Government was still committed to its target of building 60 per cent of all homes on brownfield land, the failure to up this target was seized upon by some as significant. The Campaign to Protect Rural England said that the pitfall of the new local planning gain supplement will be that it will raise more money on greenfield sites than on brownfield ones, so there may be an incentive to go for greenfield. The ODPM also announced new design codes to speed up the delivery of high quality housing developments. A new code will be published to ensure new housing is environmentally sustainable, there will be a new Greenbelt directive and a consultation on new draft planning policies to help manage flood risk. The Government is also launching a number of pilot schemes to encourage local authorities to bring derelict sites back into use and build more homes for renting. Mr Brown announced that draft legislation would be introduced later this month to pave the way for Real Estate Investment Trusts - property investment vehicles that will receive special tax treatment. The environmental group Friends of the Earth said the new planning guidelines would allow a massive increase in house-building in areas, such as the South-East, which are already suffering the effects of over-development. It also described the plans to reduce the impact that new houses have on the environment as "likely to be completely ineffectual", being too weak, voluntary and likely to be ignored by major housebuilders. One of them, Wates, published a report saying that tougher standards were needed to prevent the building of thousands of homes which would need to be demolished after 30 years. Stewart Baseley, executive chairman of the Home builders Federation, said: "Over the next 20 years there is a real possibility that housing supply can be brought into a better equilibrium with demand and aspirations, giving more people the opportunity to buy a home of their own." 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
that if you are a HPI member that the database is constantly
changing so keep coming back for information about the latest
sales, also use the news and members' forum.
If you are not already a member of Hot Property Investor and which to gain access to the huge searchable database then please click here: http://www.hotpropertyinvestor.com and hit the join button for a choice of subscription options. There are hundreds of auction houses listed, 1,000s of sales a week. Kind regards |
