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Following on from my previous BLOG on energy foods, it is important not to confuse sugar based energy with vibrational frequency - the two are very different. Lets look at the energy frequency of a few different food types.
Typically, vitamin and mineral supplements are 10-30 megahertz assuming that that they are of the type that can be absorbed. I am a big supporter of supplements as most food today does not contain the minerals and vitamins needed. So when taking then, pay the extra and get the better quality brands. Almonds in a raw form (not roasted or salted) have a frequency of around 50 MHz.
Fruits are LIVE foods which means that have a higher frequency than a cooked food. However, be careful with eating excessive amounts of fruit as the sugar levels can feed Candida which has many issues. Which is why GREEN live foods provide some of the greatest sources of high frequency food.
In terms of your body - your liver is 55-60 MHz, Stomoach 58-65 MHz, your colon, 58-63 MHz and your head around 65 MHz. Green vegetables are the highest at around 80 MHz wih live wheat grass coming in at up to 90 MHz. The green drink that many people see me drinkiing is a Super Greens drink which is a combination of greens and calibrates at over 150+ Mhz which is why it is so energizing to drink regularly.
So the message really is to increase your greens and reduce acid forming low energy foods. This will improve your health, increase you energy levels, give you greater clarity of thinking and raise your emotional state in a very positive way.
I am often asked when speaking where do I get my energy from to keep going over three or four days. My response is always the same - Passion for what I am teaching and my diet. So I wanted to address over the next few BLOGS about diet.
Actually, I believe that many poor states of mind, depressive and low energy states are a direct result of poor diet. For this reason I would encourage to study more about this subject.
Each of the organs of your body has a certain amount of vibrational frequency, of electrical energy. This energy is measured in megahertz. The food that we put into our bodies has electrical energy that can be measured in the same way.
The average of frequency of your core organs - your brain, your heart, your lungs – is aound 70 megahertz (MHz). Lets take a food substance like chocolate cake - this has a frequecy of energy of 1-3 MHz. A fast food burger has around 5 megahertz of vibrational energy.If we look at this logically, then anything we put into our body which has a low vibrational frequency in relation to frequency of the body organs will naturally draw from the body or rather than giving too the body. Therefore if we are able to identify the vibrational energy for example our organs and we know the energy of the food we are putting into our bodies we can start to improve our overall health and vibrancy.
So the key is to choose your foods and drinks very carefully
If you think this through on a very basic level. Anything you put into your
I will talk more about this in my next BLOG and expand on foods that give you energy.
A good starting point is to record what you are eating (everything) over the next week so that you can start to evealuate the quality of the what is going in at the energetic level.
Following my presenation at the Berkshire Property Meet in Maidenhead this month I have had several questions about the Coaching and Mentoring that Raj and I offer.
Visit www.propertyclinic.org
For the next two months we have reduced the price of our Property Clinic to allow a few of you who have expressed an interest to be able to plug into us. We are very excited as this is really the first time Raj and I have worked together as Mentors/Coaches.
I believe that anyone spending time with us is going to make some significant shifts and we will be bringing all our past experience both good and bad to the table to help you.
I have been asked a lot of questions about the Thames Gateway and what the government is planning. To address this, I have included a description from a short ebook I wrote last year.
Have a read below and I hope it helps...
"The Thames Gateway area, whichspans from the Isle of Dogs in London, to Southend in Essex and the Isle of Sheppey in Kent is broadly regarded as the Government’s solution to the housing crisis in the South East. It is hoped that the area will give rise to 160,000 homes and with it creating 180,000 jobs by 2016 in one of the biggest growth initiatives undertaken in the UK.
The Thames Gateway was established as a national policy priority in 1994, with the publication of the Thames Gateway Regional Planning Guidance. The launch of the Sustainable Communities plan in February 2003 put further focus on the Thames Gateway as one of the key south east growth areas.
To help achieve these aims the Gateway has the political impetus from the highest level. The Prime Minister is the chair of the cabinet committee, charged with overseeing the development of the Thames Gateway. The governmentspledge is £446 million for the Thames Gateway to help with land assembly, remediation of brownfield land and the delivery of additional affordable housing and local infrastructure."
Even in the current climate, as investors, we must be aware of larger influences that can have a positive impact on regional markets. Certainly the Thames Gateway would fall into this category. I have mentioned previously, there are always opportunities at a regional and local town level with regeneration and local grants. Certainly, if your strategy is to look for long term capital growth this should be a part of your approach.
As time get more challenging for many, often the pressure of financial challenges come to bear on ones relationship with our partners. In the past I have personally experienced this and I have and still see it in others I meet.
Money has a habit of magnifying problems that may exist in a relationship- particularly those relationships where a couple manages to "get buy" when times are good and when money they earn creates a comfort. Moving to a bigger home, buying a new car, TV or buying "something" to create a short term distraction from the real issues that sit in the relationship. However, when the finances get tighter, and such distractions cannot be "bought" then the real pain sets in.
Many of you know I have a passion for helping people not only in creating financial security, but also in getting a balance in their whole life - which most definitely includes your relationship. For those who read this and have an inner sense that maybe their current financial situation is creating or magnifying an issue in your relationship then it is vital that you address it now.
How do you do that?
It starts with an quite reflection on the fact that you are with your partner because you love them. Then an aapproach that needs to be open and non confrontational. A soft and honest aapproach where you let your partner know that you have been feeling a sense of unease between you in this area.
Ask them what concerns they have?
Ask them which area are they most worried about with regards to your financial situation?
Ask them what would they ideally want to see happen in order for them to relax and connect more with you?
This is a very sensitive subject but one that must not be avoided. Truth is, if you avoid it and the relationship goes sour and you part company. You will both carry the same patterns of behavior into your next relationship. Hence the importance of addressing it now and reconnecting with what you love about that person.
During the wealth intelligence Academy conference last weekend, one of the speakers was Kevin Green an old friend of mine and a very successful property investor who has built a multi-million pound portfolio from nothing over a period of seven years. The reason I am sharing this is because I thought that the subject that he chose was particularly pertinent in the current climate. Kevin talked about investing mindset and addressed this from a completely different perspective than most people were expecting. He talked about using your intuition, using your gut instinct, and more specifically following your heart when making your final decisions as a property investor. For many this may seem like an alien approach to investing particularly as much of our teaching is about identifying the opportunity, crunching the numbers and treating it as a business rather than an emotional decision. However the point that Kevin made was that simply chasing the money is not the right approach to making a decision when reviewing, for example, a property investment. He talked about how many of his big financial decisions are based from an inner feeling, which many people may call intuition. As most of you know this is something I am very passionate about and it was fantastic to see Kevin explaining this approach in a number of contexts. For example when viewing a property, he talked about how important it is to walk into the property and pick up on your initial reaction to the feeling you have about that property. If you have a sense that something is not quite right, you must reflect on that feeling and before making a final decision check in to see if that feeling is still strong. In some cases their can be events that happen in a property and the negative energy that is associated with that event can remain in and around the property for years to come. Kevin also eluded to this, and I have personally experienced this when viewing some properties. In fact, I've experienced in property that once lived in. This may all sound a little outside of the normal box of thinking, however most successful people when asked about decisions that they make referr to the gut intuitive instincts that they have. Do not ignore this and if it is strong and the message is to not make the investment, then it may be better to walk away.
I'm extremely excited to announce that myself and Anton Lane have agreed a date for the wealth Angels seminar in the first half of this year. We had several people asking whether we are going to have a live event and at the beginning of this year we set a date for March which I will confirm with you over the next week. This is going to be an intensive one-day experience with myself, Anton and a number of other speakers sharing information on subjects ranging from managing your existing debt, cash flow forecasting, property strategies, stock market trading in a sideways and bullish market, emerging markets, world economic overview and other subjects. In addition we will be bring in a number of our specialists will be available for you to talk to directly to in the course of the day should you wish to discuss any personal matters regarding your portfolio and wealth building strategies including tax. The event will be based in London and we are just finalising the cost, however it will be somewhere around £250 per person and will include some extra goodies. If at this stage you have an interest then I would strongly recommend you contact us directly via the wealth Angels website as I believe we will be offering a special offer to the first 25 people at register. Go to www.wealthangels.tv or CLICK HERE and send a message expressing an interest in attending.
Greetings on this extremely cold February morning. I have just returned from a very enjoyable weekend, part of which was spent at the wealth intelligence Academy Gala and conference in London. On Friday night I was privileged enough to be sat with some fantastic individuals such as Gill fielding (secret millionaire), Duncan Bannatyne (Dragons Den) and some other very highly successful individuals such as Kevin Green one of Wales most successful property investors. The Gala dinner was a thoroughly enjoyable experience where over £85,000 was raised on the evening for the Make a Wish Foundation in the form of an auction. For me the remaining part of the evening was very touching as it gave me a chance to catch up a meet many of the previous students and clients who have taught over the years as a professional speaker in the field of wealth creation. I wanted to personally thank those of you who came up and express your gratitude for being inspired and for expressing the the life changing experiences you went through during the three or four days that you spent with me at one of my seminars. Over the years people ask me why I continue to speak in public on this subject and it is experiences such as Friday night and meeting people who I have taught that make it all worthwhile. So again, I'd like to thank each and everyone of you and your kind words. What was more inspiring than anything for me was to hear some of the stories of people who have started with nothing gone to achieve great levels of success. The tales of success have been anything from simply adding an additional income to the household to completely becoming free of their own personal rat race. Others include overcoming major health challenges and losses in the family and with negative surroundings have still achieved their dream of replacing their income or helping other people within the family. The message is clear each everyone of us have the ability to achieve the dreams we set out as long as we are persistent and surround ourselves with the right people.
I just wanted to share a quick tip with you about how to find the owner of a property that appear to be vacant
. Using a word document create a one page a four flyer that basically is bright and bold stating that you buy houses the cash. It needs to have big capital letters with your phone number and clearly stated that you can complete on the property very quickly. You can also indicate that you pay a finders fee for anyone finds you a property that is vacant and that completes.
Get 100 of these printed on bright pink or yellow or green paper and then every time you find a property that is vacant plaster the Windows and the front of the house with these flyers. Put them on the gateposts much free outside so the house becomes extremely noticeable.
Intention here is to attract the nosy neighbour
or one of the local neighbours who should know who owns the property. The likelihood is they will do one of two things. They will either call you directly and tell you who owns the property or they will call your own and say that there are a bunch of flyers outside their house and the person is offering to buy the house cash. With any luck the nosy neighbour will pass on your number to the owner and hey presto you've opened up the line of communication.
A question I've had several times in recent months is how long should a lease option contract be set for. If you're not familiar with the term lease option you may be familiar with the term rent to buy. This is essentially when you own a property and give the right to a tenant to buy the property from you in a certain period.
The benefit here is that you may choose to have a property with a fixed rate mortgage at the end of that period you then want to sell and so you have a the tenant buy the property under contract. The only point to make is that they can withdraw from the contract but in doing so they will pay a penalty. That penalty is usually in the form of a consideration or deposit that they will have made when they first entered the contract with you.
The great benefit to a lease option or a rent to buy strategy is that the tenant is staying in the property will treate it like it's their own home and you will not need to have to pay any management fees. Also you can raise the value of the rent and in doing so you create an income for yourself.
My suggestion would be that the term over which you set the option is based on several things. One primary reason would be simply that you have a redemption penalty on your existing property and when that runs out you can choose to sell a property wihtout paying the penanly. Whatever date that is you, would write the into the contract. Other people wish to sell a property in stages for tax reasons. Another way of setting the contract period is by establishing what the needs of the tenant buyer are. Some tenant buyers may need 3 to 4 years to develop a credit history and to save the money in order to buy the property from you. Ultimately it should be set by your needs and having set the initial time period you then go find the right tenants that will fit that strategy.
I have just returned from a trip to Canada where I was teaching for the Rich Dad organisation on a three day seminar. This was a thoroughly enjoyable experience and one of the things I found quite overwhelming was the enthusiasm and passion that those people attending the seminar had for the property market. I wanted to take a moment just to share with you one of the strategies that works very well over in Canada. In a way it is similar to the sourcing business that we have here in the UK except their contracts make the process much easier and in some ways more profitable.
In the USA and Canada is called The Wholesale strategy. Essentially it involves you identifying a property that is being sold by distressed seller and negotiating with them a price that is below the market value. At this point must get the property under contract. In fact in Canada and the USA controlling the contract means controlling the money. Their contracts are much more open and we as the investor have the ability to write clauses into the contracts that make it much more favourable for us should we wish to get out of the deal before completing. For example they have what is called a " suitable and user " clause which can support terms means is that if I cannot find a suitable buyer for the property that I want to pass it onto then I can walk away from the contract.
Having established a good price for the property which is below market value and at the same time works for the seller I then need to identify my buyer. Like most property markets there are several ways to identify buyer. One simple strategy is to advertise the property through newspapers and then have a single viewing date to allow people to come and look at the property at the same time. From this viewing you would take offers on the property which had to be submitted to you within a certain period time.
Should these offers be below the price that you have agreed with the seller then your best option is to go back to the seller and renegotiate the price down to a level where it is below the highest bid that you received. This will enable you to walk away with a profit of say $10,000. This level of flexibility is excellent and create opportunities to source several properties in a month and produce a healthy profit.
A week or so back I created a video update for you but for some reason it did not upload. Hopefully this time it will. The following is my commentary for the Wealth Angels on the recent announcements by the Government regarding Mortgage Holidays.
I have put a 3 minute video of the pre-budget announcement (in brief) here into my BLOG so that you can get a quick overview. The Wealth Angels will be putting out some comments based on what has happened and its implications.
I wanted to add to my last BLOG about interest rates. I spoke to an investor this week who was overjoyed that his mortgage payments had come down by about £1,000 per months meaning that he was approximately cashflow neutral. I could sense in him that he was relaxing back in the fact that he would not have to support the properties now.
The point I want to make here, at it applies to all of us, myself included is that we can't get complacent. If you have a portfolio that is not cashflowing or is now neutral as a result of recent Bank of England Base Rate cuts then you MUST start considering your 6 ro 12 month plan.
- What will happen when rates do eventually go back up (agreed there is a chance they will drop further). However, in the long run, what plans can you put in place now to avoid the negative cashflow situation in the future.
- What rate would it need to go back up to before it goes negative?
- Talk to your broker
- Can you reduce the LTV such that you will always be able to keep the portfolio in a positive cashflow?
- What amount would you need to put in to reduce the mortgage to the positive situation?
- How can you raise that? (sell some, flip some deals etc)?
The bottom line is plan now for the next 2 years !
A number of people have asked me what other markets are available in the current climate for investment. I have recently been talking on the Caribbean Investments that we are making. For anyone looking for a very strong mid-long term capital and income strategy then I would strongly recommend having a look.
Following a series of enquires I have included a video introduction from my Caribbean Site:
www.mycariobbeanproperty.co.uk
With a budget review pending and recent slashes in base rate cuts, I felt compelled to pass on a personal message. In recent months the media coverage of the "Credit Crunch" and the "Property bubble burst" and the property market crash the mood of the nation has been somewhat subdued.
The recent cuts in bank of england base rate have without doubt had an impact on many landlords. The question was, would the mortgage lenders pass on the cuts. Lenders like Northern Rock, Bank of Scotland Birmingham midshires have show a positive action to do so.
A number of people have emailed and asked me how they can find out whether the rate cut will be passed on. Well, as a matter of course, mortgage companies will write and inform you of any changes. For example, Birmingham Midshire are writing out in December to advise of their recent changes to certain products. In their case, the initial correspondence relate to the 0.5% cut and the changes for the 1.5% base rate cut will follow.
The most proactive thing you can do is to call your lender and ask them specifically what the changes are to your mortgage payments. They should be able to give you an indication. Also remember to ask them when this will take effect. Remember there will be difference depending on if you are on a Tracker or a fixed. Fixed rate mortgages won't change. Variables mortgages will but maybe not as much as a Tracker.
So give them a call.
With the current changes that have taken place in the past 6 months around mortgages many property investors are finding challenges with their exiting portfolios. And new investors are asking questions about what the best strategies are in the current climate.
After a lot of personal requests to mentor, Raj Deb (my business partner) and I have agreed to do a few private mentoring sessions with investors. These will be two day intensive mentoring sessions. We are calling this the Property Clinic and essentially you will get a day with myself first covering a detailed analysis of your current situations, finances, properties, strategies and planning. Then a second day with Raj applying specific actions, lookng at deals, getting access to his BMV property list, negotiating deals - whatever your specific needs are. You will have access to us after the mentoring to allow follow through on deals etc.
If you are interested in finding out more contact me on by registering your interest on my speaker site. Click in the tab for Register and simly put your details in and where you put you address put an note to say you want to find out more about the Property Clinic.
or call us directly on 07769 718 537
In the current climate there are a lot of opportunities to pick up properties well below market value whilst still hoping the sellers.
The term "Shortfall" refers to the difference in what you owe on your mortgage and the final sale price of your home after it has been repossessed and all associated sale fees have been paid. According to the council of mortgage lenders the statistic is 21% of properties are sold for less than the amount left owing on the mortgage because sellers have left it too late and the lenders have simply dumped the properties quickly through auctions etc.
It is achievable to to pick up properties at 40% below market value in the current climate. Through research and getting out into the market and attending auctions you can pick up these deals. Also, you can use sourcing agents for deal and there are more emerging.
Once site you can visit is listed below, with this company register your interest in picking up BMV properties and they contact you to establish you specific needs and area.
Whoever you use, always do your own due diligence on the properties that you buy. On the Wealth Angels site there is now a 2 hours video program available that goes through in detail how to research the market and another that goes through the process of analyzing property deal and provides you with the spreadsheets to do all the numbers:
Remember that even through the country may be experiecing specific areas where the house price growth has slowed down there are also other areas where gorwth perpetuates through government intervention.
The Thames Gateway is considered to be the largest regeneration projects in the whole of Europe. I have included below some extracts from a short summary report I have written on the Thames Gateway :
The 40 mile long Thames Corridor contains approximately 700,000 households and is home to around £1.6 million people and the Gateway region will play a key role in delivering sustainable growth for South East England. Targets for the Gateway are for an additional 180,000 new jobs between 2001 and 2016 and the region has indeed seen considerable growth over the last decade with total employment rising by 22%, compared to 12% nationally.
Demand for new housing in the Thames Gateway remains strong. However, despite the high volume of undeveloped land available, the market is still suffering from an insufficient supply of new homes.
If you would like a FREE copy of this short report visit and register at www.rohansite.com
I have been very busy over the last month and also have been monitoring closely what has been happening with the mortgage market. On a recent event I was runnig one of the attendees I spoke to had reserved three off plan flats and had been told by the company he has bought through that getting an 85% BTL mortgage was not a problem.
Actually, at present, due the the credit crunch and the way off-plan properties have been exploited through certain companies in the last 24 months the mortgage market has clamped down on its lending on new builds.
For flats, LTV have dropped to around 75% and there are only a few lenders that are prepared to lend.
SO BE CAREFUL IF CONSIDERING NEW BUILD FLATS - in particular up in the north of england. ALSO - we are seeing that certain valuation companies are being very conservative with there valuation figures on such properties. Again - this can cause problems for the potential buyer.