19 March 2006

Have you invested in a poorly performing bond?

There are many individuals who have invested in bonds, hoping that they would provide a guaranteed income and /or capital growth.
Most are now finding that they have next to nothing as a return on their investment and even in some cases that they have lost some of their initial capital.

The following is a list of bonds that have been commonly mis-sold:

a) Fixed term Investment bonds
b) Growth Bonds
c) High Income Bonds
d) Guaranteed Investment bonds
e) Stock Market Guaranted Bonds
f) Capital Investment Bonds

I work on a no win, no fee basis and will put in a comprehensive complaint that in the majority of cases will win you compensation. You seriously have nothing to lose and potentially £1,000s to gain. If you also unfortunate enough to have a market value adjuster / market value reduction applied to your investment please contact me to help you put in a professional claim for compensation. Safaraz Ali - 07974 650 751.

To Fail in property investment?

These are some reasons why some property investors fail before they even start:

Many of the experts say you can't lose if you put your money into Bricks & Mortar. This statement is not true. Many of you are aware and/or remember when these sorts of phrases where commonly thrown around in the boom/bust days. However regardles of the state of the housing market-hundreds of investors who have lost their savings through property investment will tell you a different story. There is no such thing as a perfect investment - including property. A successful property investor will learn the reasons why some fail in property and will learn from others mistakes.

This is my personal views on why some fail:

1) "Lack of investment - time wise!!! "The main complaint is that the would-be investor has a job and family and therefore very little time to devote to this investment opportunity. The truth is, if they cut down on wasted time, such as watching television, or surfing the Internet, they would have the time to put into creating financial independence for them and their family in the future.

2) "They don't know anything about it" The excuse is that the would-be investor doesn’t have the knowledge to get into this business. The reality is that most people who have investigated n property investment would have done some study or talked to successful people. The best way to learn is to read books, or take seminars or join up courses. The other aspect to enlist is the help of others. You don’t have to know everything yourself, but you need to have people you can call on who will help you while getting started. Please don't take this to the extreme- just take key ideas and do you own research, please don't do what I have done to me where people have just sat back and got me to do all the donkey work!

3) "Money makes money and I don't have any " The complaint is that you need money to make more money. The truth is that if you find the right property deal, the money will find you. Lack of funds is never an issue with the experienced investor. Lack of a good deal, however, is. If you can find a good deal and negotiate a good price on a property there will be plenty of people willing to put up the money. There is money to be made from sourcing property and introducing this to established investors. Speak to me if you have any properties you can obtain below market value and i will go through your alternatives with you!

4) "My credit record is not any good- who will give me a mortgage" The excuse is that you need good credit to buy houses. The reality is that good credit does help, but you don’t need it if you want to make money in property investment. There are other options- You can always use a partner with good credit to get into investment howver i can truthfully state that my work as a impartial mortgage broker dealing with over 60 lenders I can assure you that I can obtain a mortgage/ loan for you. It won't even cost you any extra for me to do this for you- just call me 07974650751.

5) "There is too much competition" People often make the same excuse when thinking of busines ideas- this is usually never the case . The truth is that there are far more deals available than people. At any time there are many properties available in the marketplace, waiting for the right investor. The reality is that most people who say they are investors simply sit around waiting for a property to pop up. Don’t be one of these people. Go out and create your own opportunities and make your own deals.

6) "The estate agents are too hard to deal with" A common complaint is that estate agents don’t like cooperating with property investors. The truth is that if you find the right estate agent, they can be your best asset in your investing business. The estate agent is there to make his or her commission. If you are successful they will be involved in the deals you do. This means they will create income for themselves, while helping you. Make sure you have one or two agents you work with and let them know you will be giving them business over and over again, as you increase your property portfolio.

If you wish to add to this list, please feel free to do so.

04 March 2006

endowment mortgage -are you at risk?


Most mortgages sold in the late 1980 and 1990 were endowment mortgages. If you had taken a mortgage during this period, the likely hood is that you have taken an endowment policy.

At present your mortgage company may have written to you telling you whether your endowment mortgage will have enough savings to repay your endowment mortgage or if you need to take action, this information sheet is designed to help you decide what action to take.

The Facts

There are over 9 million policies in the UK
It is unlikely that endowment policies will grow enough to repay the amount you borrowed at the end of the mortgage term.
Most endowment policies are high risk
You will need to increase your monthly payments to repay you mortgage
The longer you leave the policy at this stage the bigger the gap

What Can I Do?

You need to complain now
Find your paperwork relating to the policy -Speak to me for free advice

Propety investors - sourcing property deals

easy 4 life - sourcing property deals

One of the fastest grwoing markets for property investors is to target indivdiuals who may be looking to sell their house quickly. I have penned the advertorial for a property investor in Birmingham and he is doing remarkably well after a leaflet drop was done in areas of Birmingham such Northfield, Stirchley, Castle Bromwich, Shard End. I have edited the name of the investor and input my own details. All else is exactly the same as what has been sent out.
Please feel free to contact me for any advice on this matter or your thoughts.....

"If you need a cash sale of your house, flat, commercial property or investment property but want to avoid dealing with unscrupulous estate agents and dozens of uninterested timewasters, here's some great news for you...
But first...
As long as you are selling a house, flat, commercial property, investment property in the UK and you are seeking a quick sale, then Balot Property Trust will like to hear from you.
Sell your property at absolutely no cost to you whatsoever.
· This is the technique and trick only savvy sellers know, they are in control and get serious cash buyers rushing to them.
· Avoid estate agents who will try their best NOT TO sell your house in under 10 days
· Maintain absolute confidentiality when selling your property
· Save yourself thousands of pounds when selling your property
· Stay Clear from timewasters and profit hungry builders claiming to have cash available, but are only interested in profiting from your situation.

Do you want to control the sale of your property without being taken advantage of?
Maybe you are just thinking of selling, or more likely you have been trying to sell your property for quite some time with no results.
You may have even placed your property with an estate agent, who, for some reason has failed to get the sale you need. Here are some more reasons why you should contact Balot Property Trust:
1. You have absolutely nothing to lose.
2. Estate agent failed to deliver? deal with cash buyers, ready and able to buy your home in just 10 days.
3. Suffering from a broken chain? Divorce? Bankruptcy? Debt? Do you need to sell quickly? Don't delay! Fill in the enquiry form and send it off today.

4. By contacting us your confidentiality is protected. Balot Property Trust and no other firm or person will know that you have contacted us. Your e-mail address and other details will never be revealed to anybody else.

What would you rather do when selling your property?
Pay an estate agent £1,500 to phone a cash buyer friend of his.
Contact Balot Property Trust and have cash buyers calling you!
Trust me on this one; the following is exactly what an estate agent will do when you agree to let them sell your property quickly.
He'll pick up the phone, call his 5 best cash buyer friends and charge you 1.5% commission for the privilege.
On a £100,000 property that 1.5% commission comes to £1,500 just for one measly phone call!
It's all under your control

Selling to cash buyers is far simpler than the outdated estate agency route. To succeed in selling to a cash buyer you only need to follow these 3 steps, each one directly under your control
STEP 1 – Complete the enquiry form for Balot Property Trust. Or Telephone Safaraz Ali - Managing Director on his personal mobile: 07974 650 751
STEP 2 - Set the price for your property
STEP 3 - Set the completion date for when you would like the money
If you master the "Big 3" your sale MUST succeed.
Because there is nothing more to do when dealing with genuine cash buyers.
Better still you will never again have to suffer with:
Smug estate agents
Wasted time preparing your property
Having your property price plastered all over the local newspaper - we offer 100% confidentiality
Viewings and no shows
Money wasted on expensive and unnecessary improvements to your property
Estate agent boards spoiling the look of your property
Loss of control
Get to know what cash buyers need from you, set an asking price, tell them when you need the money. That's it.
Let them do the rest of the work, after all...
They're paying for it!
It's the sellers who should be calling the shots - That's YOU! If you are genuinely interested in a hassle free and speedy sale of your property please do not delay.