RICHBRITS NEWSLETTER UPDATE...

The next Richbrits Networking Event is happening on *Monday 11th January 2010* 6.30pm - 9.00pm **PLEASE NOTE NEW START TIME** Marriott Hotel 111 Glasgow Road EDINBURGH EH12 8NF (MAP)

James Knight, a leading UK expert in communications has developed a unique systematic approach that is fast, fun, simple and easy to help you connect with the people around you and "Multiply Your Likeability Factor." Some of the benefits of attending James' presentations include: Greater understanding of yourself and others How to make people like you How to build rapport in seconds How to find the perfect partner How to find the perfect work How to deal with differences in people How to communicate more effectively How to increase cooperation and compatibility How to reduce stress and tension The application of James Knight's presentations are universal, and will prove invaluable to people of all ages and life experiences. In just one session you will be given insight, understanding and skills that will change your life for the better. His genuine enthusiasm and his dedication to sharing the benefits of the system that he has developed make his presentations a unique experience. He creates energy in the room, adds humour to his presentations and shares information and tools necessary to make positive changes in your life. James' presentations are given in an entertaining and playful style which makes it fun to learn. The focus is on learning yet the format is lively and enjoyable. His speeches have entertained and educated audiences throughout the US and Europe. James is also founder and director of international property sales,marketing and development company Knight International http://knight-international.com

£££ MONEY TALKS! £££ Another popular WEALTH STRATEGY for many investors today is the Stockmarket. In September the Richbrits Investment Club was set up under the tutelage of my good friend and stockmarket mentor Owen O'Malley. Since then, a good number of Richbrits Networkers have shown interest in either setting up their own Investment Club or joining a second Richbrits Club. NOW... you have another opportunity to find out what's involved and how to trade the markets SAFELY. My fellow Richbrits Club members are now well on their way to increasing their understanding of how the markets work (and trust me when I say...'we know much more than most experienced stockbrokers do') and the Club is now looking forward to seeing profits increase steadily and safely month on month. Our youngest member is only 15 years old, so there are no excuses for not getting involved in Warren Buffett's favourite investment strategy!! COME ALONG AND HEAR JAMES AND OWEN ON MONDAY 11TH JANUARY AT 6.30pm!!

** Price Increase Notice **

For 6 years now, the cost of entry to Richbrits WAE events have remained at a very reasonable £10 and the range and quality of speakers and information given out at these events, especially over the past 6 months, has proved extremely valuable and popular judging by your comments and video testimonials.

In order to continue to deliver this high quality format, it has become necessary to address the pricing structure.

At the meeting in December there was a rush to get sufficient seating and extra catering to satisfy the large audience and unfortunately, some people were left standing at the back of the room. Despite regular requests for pre-booking, I am often left to 'guess' how many to cater for.

With this in mind, I am now offering an 'Early Bird' price of ONLY £10 for those who pre-book for each event. From 1st January 2010, the cost of paying at the door will be £20.

To take advantage of the Early Bird price, bookings must be at least 48 hours prior to each event.

EARLY BIRD PRICE CAN BE BOOKED HERE

RICHBRITS NEWSLETTER UPDATE...

The next Richbrits Networking Event is happening on Monday 7th December 6.30pm - 9.00pm **PLEASE NOTE NEW START TIME**

Billionaire author Mark Victor Hansen is expecting Big Things from this Man! Bob Proctor from the movie The Secret has commissioned him with the task of lifting the lids from Irish Minds Tony Robbins gave his message loud and clear when he stomped on his right foot...“ Take the Steps” Stevey McGeown is only '30 something' and already he has achieved the following.... * Built a Million Pound Plus Business From The Ground Up In less Than 2 Years, * Life & Success Coach For Ireland For Bob Proctor from The Secret Movie, * Internationally recognised for his contribution to Women's Fitness as the No.1 Curves Franchise Owner in The World 2003 * One of The Growing Stars in The Personal Development and Success field in Ireland And in December he will be here to demonstrate how to Close The Gap, and get from where we are to where we want to be. Click here to watch a video of Steve and Bob Proctor

Have you had a PROFITABLE year this year? If so, you might be worrying about how much of your hard earned cash the Taxman is going to get his hands on when you submit your returns in January... unless of course you have a super-duper accountant who has already shown you how to protect your assets and mitigate your tax burden. A familiar face at the networking meetings over the past few years is Frank O'Donnell of P3Wealth. Frank has kindly offered to give you some FREE advice on how to protect your profits AND get a big chunk of money FROM HMRC... worry not, it's all perfectly legal, but not always widely known!!! Frank will be in the Findhorn Room at the Marriott on Monday 7th at 6.30 sharp!!!

PROPERTY MARKET REVIEW TIME PERMITTING, I will be conducting a discussion on market conditions in Scotland today. Not sure about you, but I am beginning to see some light at the end of the tunnel with lots of good opportunities to purchase properties and fund them with little or no money down... (yes, it IS still possible for the very creative investor). If you have something of value to share, are looking for a Joint Venture Partner or have your questions answered, then be in the Findhorn Room at the Marriott on Monday 7th Dec at 7pm.

You can buy a house for 120 ounces of GOLD! A small, but enlightened group of people chose not to buy property after 2005, as the market edged towards its peak. Many invested in gold instead. Others got out of property close to the peak – in some cases right at the peak – and put their capital into gold. At some stage these people will want to move their capital out of gold and back into property. So an interesting way to value gold is by comparing UK house prices to the gold price. Mathematician Tom Fischer, a lecturer at Heriot-Watt University in Edinburgh, has put together the following chart, showing the ratio between UK housing and gold http://www.approximity.com/risk/ Gold currently costs about £690 an ounce. The average UK house, according the Nationwide, sits at just above £162,000. That means it takes a sterling equivalent of about 235 ounces to buy the average house. As you can see from the green circle above, Fischer sees that ratio falling well below 100. I wouldn’t disagree with him. But if it nears 120 ounces, I will be ‘seriously reconsidering’ my core position. That could mean house prices staying where they are and gold rocketing from here. It could also mean gold staying where it is and house prices plunging. I suspect the most likely scenario is somewhere between the two. Let’s say gold appreciates 30% from here to £900 an ounce (very likely, I would say). And average house prices fall 30% to £110,000 (also likely). Then, give or take, you have your ratio of 120. Those who stayed off property and bought gold would have made 30% on both sides. So 120 ounces of gold – and very possibly lower – for the average UK house is another of my key levels. (Article reprinted with kind permission of Dominic Fisby of www.moneyweek.com)

Buying a Bank Owned Home is easy :).

Watch this

Love is Energy.... Pass it forward !

Try NOT to dance to this... or at very least .... tap your feet!

Self-Employed Borrowers Go Away!

Is it time yet... that we 'Property Brothers and Sisters' start doing it for ourselves?

A couple of years back, I realised that one of the biggest challenges for property investors is the length of time it takes to get our money back out of the deals. My strategy from the beginning, has been to buy properties that were 'cosmetically distressed' and add value by redecoration and/or replacing bathrooms, kitchens etc. This is a very profitable strategy which helps you to increase the value of your investment within a few weeks.

When I first started out, I wasn't in a hurry and didn't really understand property investment market that much nor did I know how to capitalise quickly. However, it became evident that whenever I approached the bank for another loan or to top up my 'business term loan' that I used for buying properties, they would ask for updated valuations.

Then along came same day/next day remortgages and Daylight Bridging! i.e. Use a bridging loan to buy the property one day and have an ltv mortgage put in place the next day, allowing you to pull out some of the equity and profit from the increase in value. Easy!

Alas... those days are gone and if and when they do come back... will we trust the banks again?

Perhaps it's time to set up our own Property Credit Union or Property Trust Fund. With more and more of us finding it increasingly challenging obtaining funding, this could be the perfect opportunity to start helping one another.

Those with available cash could lend to those with good deals .... for a higher rate of interest that the banks are paying depositors these days... Those who have the deals could borrow from the fund and pay a similar rate of interest back to the fund, but avoiding the need for the dreaded 'credit scoring' as the fund would have security on the property anyway!

Let me know what you think.

Meantime, take a look at this article... Self-Employed Borrowers Go Away!

RICHBRITS NEWSLETTER UPDATE...

The next Richbrits Networking Event is happening on Monday 2nd November 7.00pm - 9.00pm **PLEASE BOOK NOW**

"Last night's meeting was BRILLIANT"... "Thoroughly entertaining and extremely informative"... "Excellent presentations and great audience... what lovely people you have in your network"... These are just a few of the comments I have received following Steve and Debra's presentations in Edinburgh last. Steve provided a lively and entertaining insight into how the brain is 'wired' and why we do what we do, then explained how to get off 'spaghetti junction' and move into the fast lane of the motorway of life. Great stuff! Debs surprised me in particular with her story of her profession as a Trauma Nurse in China and how she and John embarked on their new career as professional property investors some years ago... what a terrific team they make. Their experience of HMOs is vast and her clear explanation of what is involved in this very lucrative investment strategy was second to none! A big THANK YOU to both guests. Debra has very kindly offered a whopping 30% DISCOUNT to Richbrits readers on the price of her new book "HMO Mentor - Cash Generators". To find out more about this SPECIAL OFFER which is available for ONE WEEK ONLY click here www.hmomentor.co.uk. You can also download Debra's FREE e-course right NOW! Read more...here I have something quite different lined up for the November meeting. Look out for more details in the October Newsletter! To reserve your place for next month's meeting, email me NOW clare@richbrits.co.uk

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I always thought it was the public who were guilty of robbing the banks... not the other way around!!... MORE DAYLIGHT ROBBERY FROM THE BANKS

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BETTER NEWS ON BTL MORTGAGES BM Solutions are planning to increase business volume by 50% in October. In order to do this, hopefully they will look at loosening their credit scoring system, and possibly look at lowering rates. ***** Mortgage Works have released a new product range of lower fixed rates with effect from 1st Oct 2009. www.themortgageworks.co.uk

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LIFE LASTING SUCCESS - WHO IS THE MYSTERY GUEST ??

If you're still undecided whether or not to make the trip to Dublin THIS WEEKEND - Oct 9-11), "The Secret" star BOB PROCTOR has a message for you....

Click here to find out what he has to say... www.lifelastingsuccess.com/blog

There is also a MYSTERY GUEST who for some reason does not want his identity to be known just yet.... bit unusual for a public speaker!!

The information he will be delivering is so 'cutting edge money magnetising", he doesn't like his presence to be announced until it is too late... even more unusual for a public speaker!!

There's still time to get one of the few remaining tickets, but you will need to move fast.

Go to www.lifelastingsuccess.com

FREE Bonus Guest Tickets

FREE Bonus Guest Tickets to see
Bob Proctor & the worlds top entrepreneurs
at Life Lasting Success - The Irish
Entrepreneur Superconference!

Click on the image to see a clip of Bob

Thats right...

When you book your ticket, before 6:00pm
today - you will receive a FREE Guest Ticket
worth 197 euros!!

Go here now to get your tickets -

LIFELASTINGSUCCESS.COM

Heres the line up -

Bob Proctor - Star of The Secret,

Brad Sugars - Founder of the worlds largest
business coaching organisation, Action Coach,

Jenni Armato - Aussie Internet Marketing Genius

and the list goes on... to see more go here -

LIFELASTINGSUCCESS.COM

Look forward to having a drink with you at the
Carribean Party night on the second night of the
event.

Clare

PS - REMEMBER, if you were going to tell someone
so that they could get their tickets for the event,
tell them TODAY - while they can still receive a
FRE*E Bonus Guest Ticket!!

Go here to Order *now* -

LIFELASTINGSUCCESS.COM

Forward this email to a friend

Clare Darwish

Richbrits

http://www.richbrits.co.uk

SAL

RICHBRITS NEWSLETTER UPDATE...

Unfortunately, the Scottish Government yesterday announced their plan to introduce a deposit Scheme in Scotland.

SAL have fought against this and along with some other organisations have expressed disappointment about the decision. Last night, John Blackwood of SAL was busy sending out a press release and here is the BBC picking up on it:

http://news.bbc.co.uk/1/low/scotland/8274027.stm

Read SAL's response here...

Concern over Scottish Government’s Tenancy Deposit Scheme Plans

The Scottish Association of Landlords (SAL), the Scottish Rural Property and Business Association (SRPBA) and the Chartered Institute of Housing Scotland (CIH) have expressed their disappointment that, despite continued opposition from their organisations, the Minister for Housing and Communities has announced that a national mandatory tenancy deposit scheme is to be introduced.

John Blackwood, Director of SAL, said

“We continue to feel that the introduction of a scheme is disproportionate to the level of problem which exists. We are not denying that tenancy deposits are unlawfully withheld in some cases, just as in some cases the deposit does not cover the costs of repairing damage caused by the tenant. We have maintained our opposition to the introduction of the scheme throughout the working group discussions, and although we tried hard to get other members to consider alternative methods of addressing the problem, we acknowledge we were fighting a losing battle.”

The SRPBA share SAL’s position and Sarah-Jane Laing, SRPBA’s Acting Head of Policy stated,

“We are naturally disappointed that further regulation is being placed on the sector, despite our best efforts to get other stakeholders to consider addressing the tenancy deposit issue through other routes, such as the Private Rented Housing Panel (PRHP). It would be very easy to walk away from the working group process as a result, but we are committed to working with the Scottish Government to develop the details of the scheme, and ensuring that landlords’ interests are at least considered.”

Sue Shone, Policy and Practice Officer with CIH Scotland said

“CIH is very concerned that Scotland will follow England’s approach of a mandatory scheme, this has yet to be evaluated for effectiveness and value for money. In a time of great financial pressure and the unprecedented commitment to end homelessness it seems bizarre that the Scottish Government is willing to invest in a system that may provide barriers to private landlords entering the market but is not proven to be the most effective way to protect tenancy deposits.”

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If you feel strongly about yet another chunk of tax payers money being spent on even more legislation that will never be enforced then get in touch with the organisations that are ready and willing to support Private Landlords in Scotland and let them know!

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SRPBA Contact: Sarah-Jane Laing Acting Head of Policy e-mail Sarah-Jane.Laing@srpba.com 07749784507

CIH Scotland Contact: Sue Shone Policy and Practice Officer e-mail sue.shone@cih.org 0131 225 4544 or 07917064162

SAL Contact: John Blackwood Director. e-mail john@scottishlandlords.com Tel: 0131 270 4774 or 07971 252 006.

RICHBRITS NEWSLETTER UPDATE...

RICHBRITS NEWSLETTER UPDATE...

World Renowned business expert T. Harv Eker is running a powerful 5 day seminar in London which will give you all the strategies you need for high-speed success in any business. The objective of the seminar is for you to leave with a full business strategy and complete marketing plan of the caliber you would normally pay an agency tens of thousands of pounds to produce. The initial tickets were sold for £5995 but there are a few last minute tickets left where you can get all this valuable knowledge for the amazing price of just £1995 plus VAT. Just click on this link for more info: T Harv Eker Using what you learn at the Guerrilla Business Intensive, you will stop wasting time with tactics that produce little or mediocre results and start creating wealth in any business that you choose. Join hundreds of other business people giving you a unique opportunity for networking and building long-lasting relationships. The course is amazing value running from the 30th to the 4th of October 2009 (Wed- Sun) in Alexandra Palace in London. This is a must-attend seminar at an unmissable price. So click the link to reserve your place on the course to get 5 days of world class coaching and learn how to make your business really explode: T Harv Eker

Thinking about LEASE OPTIONS as a new investment stategy?

Australian Property Investor, Rick Otton, will be in Edinburgh tomorrow night (Friday 25th) at the Pentland Suite of the Edinburgh Marriot Hotel.

Attendees are asked to turn up at 7 for 7.30pm for registration, with the event starting at 8pm prompt.

Tickets can be booked for £10 in advance online (at www.buyahouse4apound.com) or £20 on the night.

Rick will speak for about an hour and a half and will stay in the hotel for a couple of hours afterwards to answer questions.

If you would like to know how to 'buy a house for a POUND' (yes it can be done) then come along the The Marriott, Glasgow Road, Edinburgh tomorrow night.

(Please ensure you get independent legal advice on Lease Options as regulations are changing rapidly)

September Newsletter

Welcome to the Richbrits Newsletter for September

_____________________________

Letting Agents Wanted ............. In the last Update, I asked for recommendations for GOOD Letting Agents and here are some of your responses... ______ Interested to read your article on Letting Agents. Like you I was helping Allan, my youngest son to look for a rental property in Edinburgh and was totally disgusted and flabergasted by the standard of properties, lack of adherence to legislation and rogue landlords and appauling letting agents in the city. One arranged for us to view a property and when we arrived there a tenant was already in situ who had just moved in 2 weeks previously......and I had driven up from Kelso to look at it with him. Another was advertised as "refurbished....must be seen" again I drove up to look at it with him and it was disgusting and had never seen a paintbrush let alone a cleaner in the last year or two at least!! Eventually we did get him a decent flat which in fact is owned by an Edinburgh solicitor personally, what a joke the paperwork he produced, not a registered landlord and I needed to keep him right on the safety checks, EPC etc he needed to get carried out!!!! How are they getting away with it???!!! All in all I felt so good about my own Letting Agency......proved to me that we are streaks ahead of the City in the standard of properties we offer, effeciency of service provided to landlord & tenant and making sure all our paperwork, leases, safety checks etc etc are in order. Claremont Properties launched in Edinburgh a few months ago adding to the already great reputation that we have in the Borders and know we can offer a better service in Edinburgh than exists there at present......how they are getting away with it beggars belief!!! So I would like to recommend my own agency to anyone looking for a good agent in Edinburgh!!!!" Elaine Kellington - Partner Claremont Properties Letting Management 01573 228468 or 07818 433 825 www.claremontproperties.co.uk ------------------------ I concur with your thoughts on the poor service that letting agents offer to both landlords and tenants and we constantly hear horror stories from both parties of how lazy/greedy agents just do not seem to care. This leads to the industry getting a bad name. We believe that we are one of the best agents in Glasgow and that both tenants’ and landlords’ requirements are professionally managed. The business now manages in excess of 350 properties on behalf of over 200 landlords and the majority of this business has come from word of mouth and referrals. Willie Jamieson 1 Stop Properties 0141 550 5260 www.1stopproperties.co.uk (I have known both Elaine and Willie for a number of years and would have no hesitate in recommending these companies - Clare) --------------------- "Hi Claire - for Dundee landlords I highly recommend the Letting Agent CITY KEYS Lyndsey Hedges Email: lyndsey@citykeys.co.uk Tel: 01382 202123 Web: www.citykeys.co.uk (Recommended by Joanna Gibbings) ---------------- "Great to get another invaluable newsletter. I read with interest (but no surprise) about yours and others experiences of Private Landlords and Letting agents. I run Click-Let Ltd, based in Edinburgh with around 460 properties. I believe that we deliver an excellent service to both Landlords and tenants, everything is by the book. From a tenant perspective we retain very few deposits and where these have been disputed we refer the tenants to the private rental sector in Edinburgh Council. We have never been told that we have unfairly withheld any funds. From a Landlord point of view we track the reason for every Landlord leaving us and in less than 5% of cases is it because they feel that they have had a poor service. In most of these cases I could happily discuss each case with an independent person and strongly believe that we would be considered not to be at fault. All this for an unbelievable Mgt fee of 9.75% + VAT. I have a fantastic team of well trained, motivated and capable staff of whom I am very proud. Why not give us a try :-) Stewart Pitt MD Click-Let Ltd www.click-let.co.uk

Events ................................................................................

Australian Property Investor, Rick Otton, will be in Edinburgh next week. It's just been confirmed to me that the Rick Otton live event will take place at the Pentland Suite of the Edinburgh Marriot Hotel on Friday 25th September. Attendees are asked to turn up at 7 for 7.30pm for registration, with the event starting at 8pm prompt. Tickets can be booked for £10 in advance online (at www.buyahouse4apound.com) or £20 on the night. Rick will speak for about an hour and a half and will stay in the hotel for a couple of hours afterwards to answer questions. If you would like to know how to 'buy a house for a POUND' (and who wouldn't), then get along the The Marriott, Glasgow Road, Edinburgh next Friday evening.

LifeLastingSuccessSeminars DUBLIN - OCTOBER 9-11th Bob Proctor, star of The Secret, is widely considered one of the greatest speakers in the world on the topic of getting rich. He teaches people how to understand their hidden abilities to do more, be more and have more in every area of life. His teachings are based on Napolean Hill’s Think and Grow Rich, and his delivery is second to none! Brad Sugars, is a world-renowned entrepreneur, author of Billionaire in Training is also on the programme along with many other world renowned speakers and experts in business.

Australia's leading female entrepreneur.... Jennie Armato - Internet Marketing & Social Media Queen is also on the programme and you are warmly invited to come along and hear her speak. .......... The event being organised by my good friends Gary McGeown, Donna Kennedy and Pat Slattery (who many of you know from the August event in Edinburgh). This an exceptional opportunity for people in business to learn new skills, to future proof their businesses. *Internet Marketing, *Social Media Marketing, *Stock Trading, *Income Generation From Books, *Irelands leading Success Coaches, *Memory & Mind Control Expert, and *Business Turn Around Legends www.LifeLastingSuccess.com When I attended Empire Events last seminar in February this year, I was privileged to meet Mark Victor Hansen and came away from that event not only energised physically but with a different mindset that has helped me put new strategies in place which are now starting to come together. I cannot recommend this event enough and, even though you may need to travel to Dublin, the costs are not prohibitive and your are guaranteed to have a fantastic weekend. Tickets are ONLY €197 and you can bring a guest along for FREE!! www.LifeLastingSuccess.com BOOK NOW TO AVOID DISAPPOINTMENT

Come join the Facebook Fanpage and keep up to date with all the RichBrits events. Click here ...............................................................................

Come join RichBrits on Twitter Click here ...............................................................................

Please feel free to Forward this email to a friend. If you know anyone who would like to be added to our databse please send an email to laura@richbrits.co.uk

...............................................

As one of our guest speakers at next month's WAE event, I'm sure you won'd mind me giving another recommendation for Debra Rice's new book.. "HMOs - The Cash Generators." This book provides all that you need to know about moving forward with your HMO Investment Property Portfolio. You can be reading this book within minutes! If you like what Debs has to say, you will no doubt want to get a copy of her book on the night... OR...you can get an advance copy NOW!! www.hmomentor.co.uk

DO YOU QUALIFY? Join the ranks of Brian Tracy, Mark Victor Hansen, Ivan Misner, Dolf De Roos, Bill Bartmann, Patricia Fripp, T Harv. Eker, Jay Abraham and many more world renowned business experts who are also involved in what experts are predicting to be the future of learning online and a future multi billion dollar online company. I am now looking for serious people who are serious about developing a new source of income. Please check out www.ilgincomeopportunity.com Let me know what you think asap and please contact me if you have any questions. www.ilearningglobal.biz

Come join the RichBrits Investment Club and learn how to trade the markets safely Click on the link for more info....

**NEW** Richbrits Investment Club in association with TICN ______________ I would like to extend a very warm welcome to the 17 new members of the Richbrits Investment Club. Last month, 10 students completed the TICN-MMCP (Making Money with Careful Planning) course in Edinburgh with 6 new members undertaking the course this weekend at the Marriott Hotel (I think we should buy shares in the Marriott Group)!! There will be an informal club meeting next Tuesday evening (22nd) to allow everyone to get to know each other better and to review what we have all learned about the stockmarket so far. The Club Membership is restricted to 19 so if you are seriously considering getting into the Stock Market, then I recommend that you do this within the safety of an Investment Club until such times as you feel confident about trading alone. Contact me for more details, but be quick as there are only two places left!! clare@richbrits.co.uk See more info on the Richbrits Website

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PROPERTY MATTERS Holyrood’s programme for Scotland 2009-2010 The Scottish Government's programme for Scotland 2009-2010, “Towards a More Successful Scotland”, has been published. The document sets out the legislation for the coming year, as well as summarising the key achievements and main goals for the future. The 13 proposed bills for this parliamentary session contain proposals which will impact on property businesses in the following areas: Alcohol control; The construction of the new Forth Crossing; The end of the right-to-buy for all new social housing; The setting of efficiency targets for Scotland to reduce energy consumption in homes and commercial properties. Details of the programme are available on the Scottish Government’s website accessible here ..............................................

THE GREAT NORTH RUN

Regular Richbrits Networker, Frank Gilbride is running in the world's biggest Half Marathon this Sunday.

Frank's chosen charity is the Alzheimer's Society.

Some of us have joked that he's already in need of their sevices!

If you would like to sponsor Frank (he's the guy with the lovely smile ;-) ) by giving a few pennies to this fantastic cause would you please go to the following link:

Justgiving.com/Frank-Gilbride

Good Luck Frank!

Jim Carrey On Eckhart Tolle's 'A New Earth'

How much time do we spend thinking about 'stuff' that holds us back from what we really want?

RICHBRITS UPDATE - Tuesday 1st September, 09

RICHBRITS UPDATE - Tuesday 1st September, 09

The next Richbrits Networking Event is happening on

Monday 7th September

7.00pm - 9.00pm

Guest speakers:

As an Inspirational Speaker, Andy Ferguson receives regular praise for his challenging, thought-provoking, yet hilarious presentations.

Although Andy is often introduced as one of life's real adventurers, he prefers to think of himself as an ordinary middle-aged father of two who believes that success, once you know what it really means to you as an individual, is entirely possible each and every day of your life.

His recent exploits have stretched from learning from unemployed youngsters, truant schoolkids and pre-school toddlers to teaching and coaching chief executives, entrepreneurs, business owners, undergraduates, sports teams, even a stage magician!

**********

An article in last Tuesday's Metro caught my eye... The headine "Soldier's family row over 'lost' will" made me think about the service provided by my guest speakers for next month's event. The family of a soldier killed in Afghanistan are locked in a legal dispute with his fiancee over the fallen corporal's estate. Rob Deering, 33, was killed by a booby trap in Helmand province in December last year while serving with the Commando Logistic Regiment. After his death, his fiancee claimed he had made a new will leaving his estate, including the house and a life insurance policy to cover the mortgage, to her. The deceased soldier's sister, however, claimed that he had left his inheritance to her. Read the full story here...

METRO STORY

Michael McCready and Chris Smith have heard many similar stories and that's why the information they will be bringing to the next Wealth Awareness Event will be of particular interest to anyone with assets to protect.

Many IFAs and Solicitors are queuing up to speak to Chris and Michael as they realise the value of the service offered by Countrywide Legal NI Ltd., in helping to protect their clients interests, avoid legal disputes like the one mentioned above and to mitigate the tax burden imposed on beneficiaries which can be easily set up now and will avoid lots of stress and frustration now and after the death of a loved one.

ENTRY FEE: £10 - Refreshments served on arrival

MARRIOTT HOTEL, GLASGOW ROAD, EDINBURGH

(just off the bypass)

Click here for a MAP and directions to the event

Paypal link (If you have difficulty with paypal then please contact) laura@richbrits.co.uk

Alternatively, send an email to clare@richbrits.co.uk or laura@richbrits.co.uk to reserve your place!

PROPERTY NEWS

Buy to Let Market Shows Signs of Recovery.. at last!
There are encouraging signs that the buy-to-let market is beginning to find its feet, after the decline in new lending slowed in the second quarter of the year.
Latest figures from the Council of Mortgage Lenders showed 21,600 new buy-to-let loans were advanced in the three months to the end of June, just 4% down on the 22,400 reported in the first quarter.
Meanwhile, the number of buy-to-let mortgaged properties in arrears fell 17 per cent on the previous quarter. The number taken into possession remained unchanged.
The news will be welcomed by tenants who are at risk of being evicted at short notice from the property they are renting because their landlord has defaulted on mortgage repayments.
Read more here


Letting Agents WANTED!
There are a growing number of tenants and landlords who are dissatisfied with the services provided by Letting Agents.
On Monday evening, I had a conversation with a Letting Agent who regaled me with the sorry tale of two tenants who appeared at her office that morning, full of woes about the property they were renting... house full of dampness with mould growing everywhere... no EPC... no Gas Safety Cert...no Repairing Standard Letter an obnoxious landlord to deal with who paid no attention to their requests for urgent repairs and their current Letting Agents were being dismissive, so they were looking to move.
This particular couple are unemployed and relying on DSS for their rent but had paid a month's rent in advance, and seem like decent people. Getting nowhere with the Letting Agent (who are certainly not living in THIS century), they were shocked to learn what the landlord's responsibilities were and that he, and the agents, were clearly flouting the law!

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My youngest son Nash is getting ready to start his second year at University in Edinburgh and has been searching for accommodation with two of his friends.
I contacted a very well-known Letting Agency in Edinburgh about one particular property and noted that it took 3 days for the Property Manager to get back to me.
After several phone calls to the office, I managed to speak to the person who looked after the property Nash was interested in.
I was pleased when she confirmed that the landlord accepted students but disappointed to learn that he did not have an HMO licence - it was a 3 bed property!
Fortunately, my son has now found the perfect property but the Lease Agreement is flawed with no Repairing Standard Letter attached.
The whole arrangement with the landlord seems very loose and I am keeping a close eye on how things progress.

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QUESTION... Do you have a great letting agent who takes care of your investment portfolio?...if you are getting good service from either a private individual or an established Letting Agent, then why notrecommend them to others.
We are all very quick to complain, but rather than be inundated with a barrage of negative comments, why not simply promote the person or company who provides a good service for a change.
I will be happy to post your recommendations here.
email: clare@richbrits.co.uk

WEALTH AWARENESS EVENT - Monday 7th September 7-9pm

Next month's event will take place on Monday 7th September, when we will be joined by Motivational Speaker, Andy Fergusion
www.t9rcoach.com and Bloodline Planning Experts Chris Smith and Michael McCready www.countrywidegroupni.co.uk

Please send an email to clare@richbrits.co.uk ,lorraine@richbrits.co.uk or laura@richbrits.co.uk to book your ticket.

ENTRY FEE: £10 - Refreshments served on arrival

Click here for a MAP and directions to the event

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Scottish Association of Landlords

Extra Portable Appliance Testing (PAT) training date announced.

Further to the huge response this week from members booking the new PAT training courses, SAL have added another Glasgow date for this training as below. The first two Edinburgh and Glasgow courses are now fully booked. There are still a few spaces left on the 11th November in Edinburgh and the 10th November in Glasgow.

For those who are further away from Edinburgh and Glasgow – please let SAL know if you are interested in this training locally. They will look into other areas if there is enough demand.

To deliver the courses SAL have engaged specialist trainer Neil Turnbull from PAT Training Services Ltd. The courses will run in both Glasgow and Edinburgh from 9.30am to 5.00pm on the dates listed below:

10th November 2009 - Ramada Glasgow City, 201 Ingram Street, G1 1DQ - SPACES AVAILABLE

11th November 2009 - the Conference Room, SAL, 16 Forth Street, Edinburgh EH1 3LH – SPACES
AVAILABLE

Further dates will be added until everyone interested in this training has a chance to attend. To help gauge demand and plan dates - please do let SAL know on info@scottishlandlords.com if you would like to attend these courses but cannot make the dates above for any reason.

Attending the one day course will give members the required knowledge to carry out their own PAT testing and, depending on the number of properties you have, for some this could mean an opportunity to make considerable cost savings. Please do bear in mind when costing this for your own business that you would still need to either buy (approx £300) or hire (approx £60 per week) a PAT testing machine to carry out the tests on your appliances.

This course is designed for landlords, letting agents, hotel and B&B owners. SAL members attend at the cost price of £150 per person. The arrangement we have negotiated with PAT Training Services represents a discount for SAL members of £95 off the normal price of the course which is £245.

The £150 fee includes refreshments and sandwich lunch plus course notes and a Code of Practice worth £35. On successful completion of the course you will also receive a certificate from the trainer.

Limited places - please do email: info@scottishlandlords.com if you need any more information or you can book online now with this link www.scottishlandlords.com/courses.aspx

More information about the course can be seen on the PAT Training Services website here - but bookings for these dates can only be made via SAL. NB The courses will run subject to demand (as we must cover the cost of the trainer on each date)

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Feedback from the August event!! VIDEO TESTIMONIALS

Our desire is to inspire you to become Financially Independent. "When your income from what you own exceeds your expenses... ...you no longer need to work for a living and you could retire." We will empower you to take your first steps towards Financial Freedom TICN in association with Richbrits invite you to a FREE Money Talks Presentation Friday 28th August 6-7pm Zero Cost Trades - Learn how to trade the market successfully and profitably. Explanation and Demonstration byOwen O'Malley Location: Marriott Hotel, Glasgow Rd, Edinburgh please ring Clare on 07803 135 693 Cost: FREE!!!!!!

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British entrepreneur aims to crack 400mph barrier (and raise $1 BILLION in the process) Ron G Holland is aiming to shatter the motorbike land speed world record, which stands at 360mph, on his 30-foot cigar-shaped V8 super bike at Bonneville Salt Flats in Utah, USA. He'll make his attempt sometime in 2010. The sixty-year-old author and entrepreneur says riding at half the speed of sound holds no fear compared to the prospect of his wife Elisabeth rumbling how much he's spent on his land speed bid. Read more here