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is available in the news section as soon as we get it HOT PROPERTY INVESTOR NOT ONLY LISTS ALL THE AUCTIONS IN BRITAIN & ABROAD BUT GIVES INFORMATION ON EVERY ASPECT OF PROPERTY FROM PLANNING TO GRANTS TO DESIGN, & LOADS MORE. SELECTION OF THIS WEEKS PROPERTY AUCTIONS - 1,000'S MORE AUCTIONS AVAILABLE EVERY MONTH TO MEMBERS OF HOT PROPERTY INVESTOR - 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 At The Hotel Balcon de Europa, NERJA Full details and bidding available on line Steven & Co.,
Weston Super Mare Residential, Commercial & Investment Property AUCTION at The Woolpack Inn, Shepherds Way, St Georges, Weston-super-Mare BS22 7XE on Wednesday 15th February 2006 at 7.00 pm Details on line Straker Goodman Ingram, Wiltshire Property auction will be held at 7pm at The Corn Exchange, Market Place, Devizes, Wiltshire. Details now 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 Avoid Rogue Traders LAUNCHING ON 30 JANUARY 2006! TrustMark is an exciting new industry initiative supported by Government and consumer groups to help you find reliable and trustworthy tradespeople who can help with improvements and repairs to your home. From early next year you will be able to use this site to search our list of approved scheme operators who can supply you with reputable builders, electricians, roofers, heating engineers and other TrustMark-registered firms. This site also tells you where to find advice on how to protect yourself from rogue traders. FULL DETAILS AVAILABLE AT HOT PROPERTY INVESTOR ˆ JOIN NOW Property Investment Becomes More
Attractive The British have a long-standing love affair with property. Just look at TV shows such as "Hot Property" and "Property Ladder." In the last six or seven years many Brits have moved beyond doing up their own home. They have bought investment properties using buy-to-let mortgages, and some people have made big profits. However, buy-to-let isn't a one-way bet. If you tie up all your money in two or three properties, your risk is very concentrated. The other problem is gearing. Borrowing to buy is great when times are good, but the landlord could be stretched if he can't find a tenant and property prices are falling. One solution is investing in a residential property fund. This kind of fund is able to acquire properties across the UK while shareholders can buy small stakes and hence not borrow. Such funds should become far more popular once Real Estate Investment Trusts (REITSs) are launched in January 2007. What's more, REITs will be able to invest in commercial property too. The beauty of REITs is that the taxman only takes his cut once. Right now, a property fund or company has to pay corporation tax on its rental income and any chargeable gains. Then the shareholders have to pay income tax on their dividends and capital gains tax too. Once REITs are introduced, the taxman will only hit the shareholders. The trust won't have to pay anything. Private investors will also be able to put REITs in an ISA which will reduce the tax burden still further. As you'd expect, there are some catches. As things stand, REITs will have to pay out at least 95% of their net taxable profits in dividends. On top of that, trusts will have to obtain at least 75% of their income from rents, and no shareholder will be able to own more than 10% of the fund. There will also be some restrictions on the trusts' ability to borrow. The other big issue is the conversion charge. Some property companies such as Hammerson (LSE: HMSO) and Slough Estates (LSE: SLOU) may decide to become REITs. However, Gordon Brown doesn't want to lose any tax revenue, so the companies will have to pay a one-off charge before they can convert. Brown is expected to announce the details of the charge in March 2006 in his next Budget. The property industry hopes that the Chancellor might also relax some of the other conditions in the budget. Lobbyists argue that the 95% dividend payout threshold is too high given that the equivalent figure in the US is 90%. But whatever the payout threshold, REITs are a good idea which should help the long-term investor. Be careful, however. It's always a mistake to invest purely for a tax break. Shares in commercial property companies have already had a strong run in the last 18 months, partly in anticipation of REITs. Some valuations look a little rich. Residential property could also have a tough time in the next few years. And remember that the stock market has outperformed property in the long-term. I think the best approach is to monitor the property market carefully from January 2007 onwards, and then consider a long-term investment when prices are either falling or at least rising slowly. Invest in a Prestigious Hotel Room Make Money while others sleep People pay a lot for the privilege of spending the night in a luxury hotel. When you buy a hotel room with GuestInvest you receive half of that revenue for yourself. So you really can earn money while others sleep. You can also stay in your room, free of charge, for up to 52 nights a year. GuestInvest‚s first hotel in Notting Hill sold out within weeks and room owners are seeing returns of more than 6.5%. Following this success of the sale, GuestInvest has added a new Central London hotel to its portfolio. Over 10,000 enquiries have been received and 25% of rooms have been pre-sold in the Far East prior to its UK launch in Spring 2006. Prices start from £175,000. Details of the hotel will not be published on this website until its official launch in Spring 2006, although a limited number of people will have access to this information and be able to reserve rooms at our exclusive preview events in January. We strongly recommend that anyone who is interested in this investment opportunity attends, as rooms are expected to sell fast prior to its official launch. LONDON ˆ JANUARY 2006 Following a sell-out of rooms at Guesthouse West in Notting Hill, GuestInvest has recently added a Central London hotel to its portfolio. Over 10,000 enquiries have already been received and 25% of rooms pre-sold in the Far East. Details of the hotel will not be published on this website until its official launch in Spring 2006, although a limited number of people will have access to this information and be able to reserve rooms at our exclusive preview events in January. Prices start from £175,000. We strongly recommend that anyone who is interested in this investment opportunity attends as rooms are expected to sell fast prior to its official launch. Places are strictly limited and admission is by invitation only. FULL DETAILS OF THIS OPPORTUNITY ARE AVAILABLE TO MEMBERS OF HOT PROPERTY INVESTOR ˆ JOIN NOW & DISCOVER MANY MORE OPPORTUNITIES The Dangers Of Gambling With Your Home! By Cliff D'Arcy (TMFCliff) According to the latest figures, people have begun spending more of their housing wealth again. The Bank of England announced that mortgage equity withdrawal increased from £6.4 billion in the first quarter of 2005 to £8.7 billion in the second. "Mortgage equity withdrawal" occurs when homeowners borrow against their homes but don't reinvest this money in property. In other words, they withdraw their housing wealth and splurge it! The news that this figure has jumped by 35%, or more than a third, worries me a great deal, because it has been falling for some time. After hitting an all-time peak of £17.5 billion in the last quarter of 2003, it then fell for five quarters in a row. Although some commentators will welcome this turning point as a sign that consumers are confident about their finances and the property market, I'm not so cheerful. I'm troubled because many borrowers may be withdrawing this wealth for all the wrong reasons, for example, to pay off unsecured debts. Personally, I never borrowed against my home for any reason, and probably never will, even if lenders sent hired goons to my house to "talk" me into it! Thanks to the housing boom and low interest rates, UK homeowners have splurged £198 billion via mortgage equity withdrawal since the start of this decade. Naturally, this extra cash has hugely boosted consumers' spending power. However, given the worsening trading on the high street and in car dealerships, it doesn't seem that it's currently being spent on consumer goods, so I imagine that a fair chunk of it is being used for debt consolidation. This frightens the life out of me, for the following reasons: If you already have problems with budgeting and paying your monthly card and loan repayments, why on earth would you put your home at risk by using it as security against these debts? Many people are seduced by TV ads from secured-loan specialists such as Freedom Finance, Norton Finance and Ocean Finance. These credit brokers spend about £50 million a year on advertising to lure in their (largely financially unsophisticated) customers. However, the bad news is that their interest rates are much higher than those charged by mainstream lenders! Many people believe that they have "cleared" their debts by securing them against their home. However, in reality, all they've done is refinanced them over a long period, which means paying far more interest in the long run. Oops! As one Foolish discussion showed, 136 out of 161 people who consolidated their debts (84%) went on to build up yet more debts. People who end up with a secured loan and a pile of new debts are far worse off than those with just unsecured debts, because they've put the roof over their head at risk. 99.9% of homeowners would be better off remortgaging with their existing mortgage lender, or one of its rivals, rather than opting for a secured loan or second mortgage. What's more, with a flexible mortgage, you could make regular or one-off overpayments to shorten the life of your loan and thus reduce your overall interest bill. With around three out of five secured loans - that's 60% - being used for debt consolidation, I genuinely fear for these borrowers. That's because I've seen these people turfed out of their homes, as I warned in Lessons From The Last Housing Crash. So, before you start wasting your housing wealth, read Your Home Could Become A Prison and The Dangers Of Rolling Up Your Debts. Do you still want to put your home on the line in order to subsidise your over-spending habit and addiction to credit? I thought not! If you are having debt problems, get free debt-management advice from charity the Consumer Credit Counselling Service or National Debtline. Also, visit the Fool's Get Out of Debt centre and our ever-popular Dealing with Debt message board. Oh, and please ignore those horrible loan adverts on the telly, as well! Housing ladder: only way is up John Wriglesworth, LAST year turned out to be a boring one for the housing market. And, if the experts are right again, 2006 won't be much different. Or will it? You might expect most of us to be glad that, for once, all the major house price indices are saying much the same thing. Hometrack, the independent property research company, forecasts price rises of about 1% this year and 2.2% in 2007. And its figures are largely backed by other serious market watchers. So will it be boring? Well, not necessarily. We've had years of rocketing growth driven at least partly by low interest rates. But the affordability created by lower monthly mortgage payments has been more or less eroded by rising prices. Nevertheless, mortgage rates look set to stay at their current levels for the foreseeable future. While first-time buyers will be stretched by trying to borrow enough to get a foot on the ladder, affordability will remain stable in terms of how much take-home pay is spent on mortgages. The Government has taken a bigger role in influencing price trends. Several factors would have had an impact, but one has already been scrapped. The most important, allowing people to buy residential property through self-invested personal pension schemes (Sipps), was shelved by Gordon Brown in his pre-Budget report last month. Had it remained, it would have fuelled a wave of buy-to-let investments and a surge in prices. Brown seems likely to go ahead with his second carrot, allowing money to be poured into residential property through a taxefficient vehicle rather like the American-style Real Estate Investment Trusts (Reits). Nevertheless, the outlook for further price rises looks good. Interest rates are steady and benign, and the Government is content to encourage further rises. After all, property is the only asset on which people seem not to mind paying taxes. As long as individuals get richer, at least on paper, complaints about soaring stamp duty and inheritance tax will remain muted. And doesn't the Treasury know it? Of course, the Government is doing its bit for workers such as nurses, teachers and firefighters, with its £60,000 home initiative and shared ownership scheme. But make no mistake - these plans will produce at best only a few thousand new homes. The millions pledged by Labour will not be built. Most homeowners are grateful that the housing shortage makes them feel wealthier. The cost of supporting huge house-building programmes is beyond the national budget. And the Treasury makes a fortune taxing us on the back of rising prices the shortage has created. Sure, the market is pausing for breath and we will have two
to three years of flat or tiny price rises. But in the long term,
the only way is up. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 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 |
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