The Stamp Duty Land Tax Issue
|
|
- Sharleen Barker
- 8 years ago
- Views:
Transcription
1 The wages of sin are death, but by the time taxes are taken out, it's just sort of a tired feeling. Paula Poundstone Next to being shot at and missed, nothing is really quite as satisfying as an income tax refund. F. J. Raymond Be wary of strong drink. It can make you shoot at tax collectors and miss. Lazarus Long The Stamp Duty Land Tax Issue (Sorry I couldn t be bothered to think up a racier title) First some facts and figures: Buy to let landlords now own properties worth a total of 930.7bn, threeand-a-half times the 262.1bn the sector was worth in 2001 London currently accounts for 41% of the sector s value (The Guardian) 46% of all new homes awarded planning consent over the past year have yet to be developed. (Research from ABI Barbour) The French Foreign Ministry said 1.6 million people left the country last year while The French consulate in London estimated that as many as
2 400,000 expatriates live in the capital equal to the population of France s sixth largest city. (Chesterton). The Greater London Authority expects London s population to surpass its previous 1939 peak of 8.9 million within the next few months and continue climbing to 11.3 million by The further 31% increase is the equivalent of adding 2.5 Birminghams to the city s population. Transaction levels in Notting Hill are down 48% over the last few months In London home sales slump by 30 per cent just before an election (as opposed to 10-20% in the rest of the country), because overseas buyers also tend to wait until they know the result. (Hamptons). RICS economist Simon Rubinsohn said that with new instructions still flat, it seems implausible that a dip in demand would result in much of a decline in house prices (Source: sorry I forgot to make a note ) We have never seen so much equity trying to get into the London real estate market Simon Barrowcliff of CBRE commentating on the commercial market in the Financial Times For many investors, the preservation of capital is more important than the return on capital Matt Hodgkins of AMP Capital For the auctioneer Christies, the official cost of luxury in central London has doubled since It now begins at 4m. This will get you location, but precious little space. (The Daily Telegraph) Transferring 1m to the UK today would cost a USD client around $140k less than in early July. (Investec) "It wasn't so long ago that residential was considered an alternative asset class". But next month will see the launch of the UK's first residential REIT.
3 I had planned to focus on various demographic indicators and the flow of money in this report but the events of yesterday have rather grabbed the headlines. Yes, Arsenal beat Southampton 1-0 to continue their relentless climb up the Premier League Table. What s that you say? Forget about football. Focus on George Osborne s announcement. Dear oh dear. Surely you would rather hear about Olivier Giroud s fantastic link up play and Alexis Sanchez scoring again? No? Suit yourself then. To recap: George has decided to buy votes by changing the stamp duty bands and targeting those horrible rich people who are lucky enough to be able to buy property over 1.5m (Trust me, George, we would much rather be able to buy them for less). I haven t bothered to show you the exact bands as the tax is now worked out on a sliding scale rather than in slabs. But in brief you can see the increase in SDLT payable below. Purchase Price Additional SDLT payable 1m 3, m 18,750 2m 53,750 3m 63,750 5m 163,750 10m 413,750 (I suggest you visit where you will find the official stamp duty calculator). Oddly the change in the bands from 2m to 1.5m may well be advantageous to those whose flats were affected by the old stamp duty band of 2m where the SDLT rate jumped from 5% to 7%.
4 As you can see in the table above someone buying a property at 2m today would now pay 53,750 more in SDLT than they would have yesterday. However, someone wishing to buy a 2,100,000 apartment would only pay 18,750 more. Therefore properties that were worth slightly more than 2m but which were being forced under the old SDLT level of 2m during the negotiations may see a small bump in price. As you can see, the change in cost up to 3m is certainly annoying but I suspect that after the initial shock the cost will be absorbed by the market. Quite how it will be absorbed is another question. I expect, in the first instance, those who absolutely have to sell will accept offers that are lower than the percentage increase in the tax. Indeed there could well be some opportunities to buy at a good discount. Meanwhile others will reach an agreement at a touch below current prices to reflect the increase in SDLT. In the very short-term I expect we will see a large number of properties simply withdrawn from the market and transaction levels will continue to plummet. This is why the timing of this announcement has been quite clever. Firstly there are historically fewer transactions in the run up to Christmas and the New Year. It is also a period when the vast majority of people take time off and the focus is away from business and on family, friends, malt whiskey and mince pies. This pause will allow time for the dust to settle. The fact that transaction levels in prime central London are also expected to be subdued in the run up to the election means that again the market will have more time to adjust to the changes. Indeed the shortage of properties that will be available to buy will likely mean that prices will fall but not dramatically (except in the odd instances where a seller is desperate to sell which is where the opportunities will lie). The government will then hope that the market will gradually get back to normal after the election; people will see that prices haven t plummeted, London will still be an exceptional city and prices will slowly climb from a
5 marginally lower level than where we are today and we will have a new normal in terms of transaction costs. Essentially, the Conservatives are hoping that these headline numbers will show voters that they are not just the party for the rich, that we are all in it together and that they are the party that can lead Britain into a brave new era. Job done Osborne will think. Put the kettle on Cameron. We ve had a result. As many of you have written in (and thank you for writing. It is always fascinating to hear your comments and thoughts), this is a clever political move: it makes it very hard for Labour to now bring in a Mansion Tax. One gentleman wrote: By inflicting such pain on those with houses in the 2-4mm bracket, where especially in London and the home counties there are quite a few, it restricts many who may have wanted to move at some stage, and therefore will stoke up more anger against any mansion tax. Furthermore- anything that was really worth 3 million yesterday is realistically worth only 2.9 million today. so that, plus the upward momentum in this price range has been killed off certainly between now and the election, means that Labour will be forced to either lower the bracket on the threshold from 2mm, or up the tax rate of the tax, in order to raise the same amount of money before the stamp duty change in order to make good their promise for their NHS plans. Either strategy is a vote killer for Labour. Of course then when Tories are back in power, perhaps their thinking goes, they can in the budget following re-election, lower the stamp tax for this sensitive price bracket as the job has been done! I am not sure the last point will happen but it is an interesting thought and they could reduce the tax even if not all the way back to 7%. Of course, Labour could still inflict a Mansion Tax in addition to the 12% SDLT rate. However, I think the probability of this is extremely low and it rather knocks the wind out of their sails on the Mansion Tax idea.
6 And what of the 10m+ market where the additional 5% in SDLT has the biggest impact in terms of cost increase, i.e. the sliding scale is negligible? Well again the politicians will be banking on greater price elasticity at this level. Again, I expect transaction levels will continue to fall in the short-term, but ultimately despite the rise in transaction costs they are still lower than in many countries. More importantly London is still one of the greatest cities on the planet and one of the safest countries in which to own assets. So buyers at this level are likely to still transact although their patience is being tested. So in the short term we can expect to see prices fall and a number of transactions will fail where prices had been agreed but contracts not exchanged. Consequently there will be opportunities for buyers to negotiate some favourable prices. If you are selling a property, then I would not necessarily panic even if the headline figures look shocking. The likelihood is that the market will adapt, but it will just take 6 months to a year. If you are upgrading I would still look to sell and buy, but if you are planning to downsize then it may be worth waiting until after the election if you cannot achieve the price you thought was realistic yesterday (the key word here is realistic as many owners have a slightly inflated view of the value of their own home. Some with good reason but many without). Of course, this is a general perspective on the overall market. If you are planning to buy a property, you obviously need to carefully consider a host of factors. So if you would like to discuss your specific situation, please veronika@mercuryhomesearch.com to schedule a meeting with me. I look forward to hearing from you. Best regards, Jeremy p.s. There have also been significant changes to ATED. 1. Properties owned by a non-natural person worth more than 2 million but less than 5 million will be charged 23,350.
7 2. Properties over 5 million but less than 10 million will be charged 54, Properties over 10 million but less than 20 million will be charged 109, Properties worth more than 20 million will be charged 218,200. This takes effect from April 2015.
A Comparison of Global Property Costs After the Recent Tax Reform in the United Kingdom
A Comparison of Global Property Costs After the Recent Tax Reform in the United Kingdom FINANCING SOLUTIONS FOR THE FINEST RESIDENCES Introduction Following on from the last Soane Speaks article titled
More informationGuide to Buying and Selling a Home
Guide to Buying and Selling a Home www.kww.co.uk Moving home is a strange mixture of excitement and apprehension: it can be exhilarating and exasperating in equal measure. Our focus at KWW is to take away
More informationTHE AUTUMN STATEMENT. Autumn Statement. could influence your financial planning decisions in the year
THE AUTUMN STATEMENT Autumn Statement 2014 The key announcements that could influence your financial planning decisions in the year ahead and beyond WHAT THE CHANCELLOR HAD TO SAY The key announcements
More informationc01_1 09/18/2008 1 CHAPTER 1 COPYRIGHTED MATERIAL Attitude Is Everything in a Down Market http://www.pbookshop.com
c01_1 09/18/2008 1 CHAPTER 1 Attitude Is Everything in a Down Market COPYRIGHTED MATERIAL c01_1 09/18/2008 2 c01_1 09/18/2008 3 Whether you think you can or you think you can t, you are right. Henry Ford
More informationWhere to find REAL Below market value deals
Where to find REAL Below market value deals Kate Faulkner Managing Director of Designs on Property Author of Which? Renting and Letting and Property Investment Handbook Copyright of Designs on Property
More informationThe Top Seven Financial Pitfalls Every Homeowner Facing Foreclosure Must Avoid
The Top Seven Financial Pitfalls Every Homeowner Facing Foreclosure Must Avoid The foreclosure process is perplexing, even for those experienced in real estate. Real estate agents, attorneys, mortgage
More informationThe buying process a summary
The buying process a summary 01 - Establish your budget 02 - Mortgage offer in principle 03 - Instruct a solicitor 04 - Register with all the estate agents in the area 05 - Find a property 06 - Mortgage
More informationLearn how to sell your home today, the efficient way No estate agent or solicitor fees and no delay.
Learn how to sell your home today, the efficient way No estate agent or solicitor fees and no delay. Today's housing market finds many sellers in a changing situation that demands they sell their home
More informationMarket Intelligence. Autumn 2012
Market Intelligence Autumn 2012 Average per square foot values January August 2012 W10 Flat 730 House 765 All 749 Ladbroke Grove W2 (Westbourne Grove & Bayswater) Flat 924 House 1,230 All 971 Westbourne
More informationJuly 2014. UK Commercial & Residential Property Markets Review: July 2014 1
July 2014 UK Commercial & Residential Property Markets Review: July 2014 1 UK Commercial & Residential Property Markets Review: July 2014 2 UK COMMERCIAL & RESIDENTIAL PROPERTY MARKETS REVIEW: JULY 2014
More informationMortgage advice you can depend on
Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to
More informationHow To Sell Your Home Quickly At No Cost To You
How To Sell Your Home Quickly At No Cost To You Proven Step-By-Step Strategies For Selling Your Home, Land Or Property Quickly At No Cost To You Brought to you by: How To Use This Special Report This special
More informationAnnuities: Basics You Need to Know Last update: May 14, 2014
Summary Annuities: Basics You Need to Know Last update: May 14, 2014 The key feature of most annuities is the promise to provide you an income for life, no matter how long you live. This paper explains
More information101 Tips For Selling Your Home Yourself! DC BOOKS
101 Tips For Selling Your Home Yourself! Table of Contents Introduction Category 1: Knowledge is Power Tip 1: Before anything else, grab a powerhouse of knowledge. Tip 2: Be a listener, and be a GOOD one
More informationReal Estate Investment Newsletter November 2003
Maximizing Returns on Equity Why and How In this newsletter I will explain some financial management concepts that provide a framework for maximizing your wealth accumulation over time. Proper application
More informationYour Guide to Shared Ownership
Your Guide to Shared Ownership 1 Shared ownership is designed for first-time buyers, who are able to raise a mortgage but are unable to afford the full cost of homeownership. Why buy a shared ownership
More informationSPECIAL REPORT. How To. Sell Your Home. In 9 Days Or Less. No Commissions! No Fees!
SPECIAL REPORT How To Sell Your Home In 9 Days Or Less No Commissions! No Fees! You may discover the perfect solution by reading this report. If you are like many home owners struggling to sell your home
More informationWholesaling Mark Ferguson
TRANSCRIPT OF EPISODE 14 OF THE INVEST FOUR MORE PODCAST Wholesaling Mark Ferguson Mark: Hi everyone. Mark Ferguson here with another episode of the Invest More Real Estate podcast. Today is just going
More informationu n i t f o u r Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..."
Unit Four Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..." In Unit 2, we talked a lot about how you earn money working at a job. In this unit,
More informationTips for Investing in Onshore Bonds
Investing in onshore bonds Open up your options with our Tailored Investment Bond Before you decide to buy, you need to know what the risks and commitments are. Read our key features document (TNB17).
More informationJane Londerville on Mortgage Financing
June 2012 Jane Londerville on Mortgage Financing In this instalment of Straight Talk, MLI talks to mortgage finance expert Jane Londerville about government backing for residential mortgages in Canada,
More informationContents Page. How To Sell Your House In Barnsley For Cash In 10 Days Or Less At No Cost To You 5
1 2 Contents Page About the author 3 How to use this special report 4 How To Sell Your House In Barnsley For Cash In 10 Days Or Less At No Cost To You 5 Online Form 17 Elite Property Buyers 70 Queens Drive
More informationIN A SMALL PART OF THE CITY WEST OF
p T h e L a s t L e a f IN A SMALL PART OF THE CITY WEST OF Washington Square, the streets have gone wild. They turn in different directions. They are broken into small pieces called places. One street
More informationCreate Your Own $1 Million Message Elevator Pitch Template Workbook. How to Build A Multimillion Dollar Business Your Step-By-Step Marketing Roadmap
Create Your Own $1 Million Message Elevator Pitch Template Workbook How to Build A Multimillion Dollar Business Your Step-By-Step Marketing Roadmap 1 Welcome We help heart-centred entrepreneurs to save
More informationMODULE 4 MODULE 4 INTRODUCTION PROGRAMME LEVERAGE AND MARGIN
INTRODUCTION PROGRAMME MODULE 4 LEVERAGE AND MARGIN This module explains leverage and gearing and compares CFDs with non-geared investments. Additionally, there are a number of worked examples of how our
More informationCOMMON INTERNET MARKETING MISTAKES 6 ways you could be LOSING business online plus one that virtually guarantees it!
COMMON INTERNET MARKETING MISTAKES 6 ways you could be LOSING business online plus one that virtually guarantees it! Most business owners today recognize the importance of having a website. Like the telephone,
More informationSUPPLY CHAIN FINANCE. Extracting value from the supplier tail. A Purchasing Insight report in collaboration with Invapay
SUPPLY CHAIN FINANCE Extracting value from the supplier tail A Purchasing Insight report in collaboration with Invapay Supply Chain Finance and Working Capital Management are important tools for any business
More informationHelp to Buy Buyers Guide. Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 What is Help to Buy? Help to Buy is equity loan assistance to home buyers from the Homes
More informationFREQUENTLY ASKED QUESTIONS ABOUT PROPERTY INVESTMENT IN VANUATU (updated January 2012)
FREQUENTLY ASKED QUESTIONS ABOUT PROPERTY INVESTMENT IN VANUATU (updated January 2012) 1. Q. Can foreigners buy property in Vanuatu? A. Yes. There are no restrictions on foreigners buying property. A non-citizen
More informationResidential Property in the UK A Guide to UK Tax on UK Residential Property
Residential Property in the UK A Guide to UK Tax on UK Residential Property When buying or selling a residential property, you should seek tax advice as early as possible. The main UK taxes to consider
More informationProspecting Scripts. 2 keys to success in Real Estate
Prospecting Scripts 2 keys to success in Real Estate 1. TALK TO PEOPLE 2. ASK THE RIGHT QUESTIONS 1. Door-knocking or cold calling properties around a new listing (inviting them to a property preview)
More informationA GUIDE TO PROPERTY PURCHASE IN THE UK
A GUIDE TO PROPERTY PURCHASE IN THE UK SALES I LETTINGS I PROPERTY MANAGEMENT ARCHITECTURE I DEVELOPMENT I CONSULTATION I INVESTMENT I VALUATIONS COMMERCIAL I PROJECT MANAGEMENT If you live abroad and
More informationHow To Buy Stock On Margin
LESSON 8 BUYING ON MARGIN AND SELLING SHORT ACTIVITY 8.1 A MARGINAL PLAY Stockbroker Luke, Katie, and Jeremy are sitting around a desk near a sign labeled Brokerage Office. The Moderator is standing in
More informationQ: Will I have to pay federal taxes on the money my lender loses in the short sale?
Q: What is a Short Sale? Answer: In a short sale, the lender agrees to settle the debt owed on the property for less than the full amount. Settled means that the lender is writing off the debt (which is
More informationHow to Sell Your House Fast: Your Guide to Selling Your House Even If You re Not a Sales Person
How to Sell Your House Fast: Your Guide to Selling Your House Even If You re Not a Sales Person Are you still trying to sell your house? This report is all you need to guide you through everything you
More informationLAND AND BUILDINGS TRANSACTION TAX ADDITIONAL DWELLING SUPPLEMENT LEGISLATIVE GUIDANCE
LAND AND BUILDINGS TRANSACTION TAX ADDITIONAL DWELLING SUPPLEMENT LEGISLATIVE GUIDANCE 16 MARCH 2016 Subject to Royal Assent, the LBTT(A)(S)A 2016 will come into force on 1 April 2016 and will introduce
More informationlife INSURANcE The Boring Money guide to Yes. You over there trying to avoid the subject. Listen up!
life The Boring Money guide to INSURANcE Yes. You over there trying to avoid the subject. Listen up! Oh puh-lease, do I have to!? Come on, let s be honest. From the second you know you re pregnant, you
More information8 Ways to Avoid or Stop Foreclosure...
Free Special Report 8 Ways to Avoid or Stop Foreclosure... Dear Homeowner, If you are headed toward foreclosure, or are already in foreclosure, you need to know the rights and options available to you
More informationEducation Module 1 The stock market
PO Box 1524 Double Bay NSW 1360 Website www.rivkin.com.au Phone +61 2 8302 3600 / 1300 366 145 Fax +61 2 8302 3601 Email info@rivkin.com.au Education Module 1 The stock market Shares and the stock market
More informationYOUR GUIDE TO. A checklist for buying a
YOUR GUIDE TO A checklist for buying a house or apartment in NSW. Do I really need a solicitor to make an offer on a house? The answer is that buying a home is often the biggest financial decision we ll
More informationBy Steven Peeris, Research Analyst
1/12/2013 Personal Finance By Steven Peeris, Research Analyst NUS Students Investment Society NATIONAL UNIVERSITY OF SINGAPORE TIME IS MONEY TRADING TIME FOR DOLLARS What are we getting paid for when we
More informationChanging the shape of British retirement. www.homewise.co.uk
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
More informationWe can help with BUYING A RESALE PROPERTY
We can help with BUYING A RESALE PROPERTY Contents Buying a Resale property 2 Why buy through a Shared Ownership scheme? 2 Who are Family Mosaic? 3 When I buy a resale property, what am I buying? 3 I
More informationMoney Math for Teens. Dividend-Paying Stocks
Money Math for Teens Dividend-Paying Stocks This Money Math for Teens lesson is part of a series created by Generation Money, a multimedia financial literacy initiative of the FINRA Investor Education
More informationA Residential Redevelopment Company. Where do I start? A first time buying guide
A Residential Redevelopment Company Where do I start? A first time buying guide About Us Thank you for taking the time to read about Red Bow Investments and the first steps in purchasing your next home.
More informationHOW TO GET YOUR LISTING SOLD Mike Ferry Report One
HOW TO GET YOUR LISTING SOLD Mike Ferry Report One When a market changes and either goes flat or starts to decline the challenge that each of us faces is getting our listings sold and satisfying the needs
More informationRICS Global Commercial Property Monitor Q3 2014
Simon Rubinsohn Chief Economist srubinsohn@rics.org +44 (0)207334 3774 RICS ECONOMICS RICS Global Commercial Property Monitor Q3 2014 * RICS Occupier Sentiment Index (OSI) is constructed by taking an unweighted
More informationSPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT!
SPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! Provided compliments of: FIRSTUSA DATA SERVICES, LLC 877-857-5045 SUPPORT@FIRSTUSADATA.COM
More informationThere s a new window of opportunity
Your right to buy your home There s a new window of opportunity If you rent your home from the local council or a housing association, find out if this is the perfect time to buy your home. Introduction
More informationworking capital: challenge and opportunity
working capital: challenge and opportunity A COMMONFUND ROUNDTABLE Beppie Huidekoper Tom LeMarbe Jon Speare Delanie Moler on campus, the thinking about operating asset management is changing with the times
More information5. Income tax and National Insurance contributions
5. Income tax and National Insurance contributions The Labour manifesto for the 2001 general election promised that we will not raise the basic or top rates of income tax in the next Parliament. 1 This
More informationRELEASING CASH FROM YOUR HOME
RELEASING CASH FROM YOUR HOME As a recommended adviser for the Society of Later Life Advisers (SOLLA) we are frequently asked to advise on home income/equity release plans. These notes are designed to
More informationSpecial Report. How To Sell Your Home Fast at No Cost To You! Avoid The Cost, Stress And Delay Of Selling On The Open Market.
Special Report How To Sell Your Home Fast at No Cost To You! Avoid The Cost, Stress And Delay Of Selling On The Open Market. How To Use This Special Report This special report will help you best when it
More informationRetiring from the Family Business Last update: October 27, 2011
Summary Retiring from the Family Business Last update: October 27, 2011 If you are the owner or a major partner in a small business, your retirement concerns are more complex than most people s. It is
More informationHow to Create a Killer Real Estate Direct Mail Postcard or letter! Motivated Seller Lead Demographics To Target
How to Create a Killer Real Estate Direct Mail Postcard or letter! In order to create a High Converting direct mail piece you need to first understand a little bit about the Lead Source you are going after.
More informationGuiding principles of buying low and selling high: introduction. Preface. Guiding principles of buying low and selling high: introduction 1
Guiding principles of buying low and selling high: introduction 1 Guiding principles of buying low and selling high: introduction Profitable stock trading based on patterns and logic It is impossible to
More informationComplete the questions on this page as a warm-up to prepare for your coaching call.
Get Ready! Complete the questions on this page as a warm-up to prepare for your coaching call. What frustrates you about working with people who don t need to buy right away? How do you determine the buyer
More informationhelpful information on buying your home at auction
helpful information on buying your home at auction A Roadmap to Auctions Get funded To bid at Auction you need to be bidding in cash and fully funded. A 10% deposit is required on the day of the auction,
More information6 SECRETS TO SELLING YOUR HOUSE QUICKLY AND EASILY WITHOUT PAYING A COMMISSION
6 SECRETS TO SELLING YOUR HOUSE QUICKLY AND EASILY WITHOUT PAYING A COMMISSION A Free Consumer Guide In this report, you will discover: The Top 5 Things Real Estate Agents Don t Want You to Know 3 Easy
More informationQuestions to Ask Yourself When Buying a New Home
Questions to Ask Yourself When Buying a New Home When I start visiting homes, what should I be looking for the first time through? The house you ultimately choose to call home will play a major role in
More informationHow To Sell Your Home In 10 Days Or Less At No Cost To You
"How To Sell Your Home In 10 Days Or Less At No Cost To You" Proven Step-By-Step Strategies For Selling Your Home, Land Or Property Quickly At No Cost To You Brought to you by: Stephen Lee Director of
More informationwww.citizenshipteacher.co.uk 2011 16228 1
The stock market www.citizenshipteacher.co.uk 2011 16228 1 Lesson objectives I will understand what a stock market is. I will identify what caused the downturn in the American Stock Market. www.citizenshipteacher.co.uk
More informationGUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement
GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and
More informationTerminology and Scripts: what you say will make a difference in your success
Terminology and Scripts: what you say will make a difference in your success Terminology Matters! Here are just three simple terminology suggestions which can help you enhance your ability to make your
More informationConference Title: Q1 IMS Call. Wednesday 24 th July 2013 09h00 UK
Company: The British Land Company Plc Conference Title: Q1 IMS Call Presenter: Date: Chris Grigg, Lucinda Bell Wednesday 24 th July 2013 09h00 UK Operator: Good day, ladies and gentlemen, and welcome to
More informationTABLE OF CONTENTS. ROULETTE FREE System #1 ------------------------- 2 ROULETTE FREE System #2 ------------------------- 4 ------------------------- 5
IMPORTANT: This document contains 100% FREE gambling systems designed specifically for ROULETTE, and any casino game that involves even money bets such as BLACKJACK, CRAPS & POKER. Please note although
More informationLeverage and margin. Module 3 Introduction Programme. Leverage and margin
Module 3 Introduction Programme Leverage and margin This module explains leverage and gearing and compares spread bets with non-geared investments. Additionally, there are a number of worked examples of
More informationVirtual Flips QUICK Start Guide
Virtual Flips QUICK Start Guide The Ultimate Virtual Real Estate wholesaling 7 step action plan By Christopher Seder Copyright 2014 VirtualFlips.com, and Christopherseder.com, All rights reserved. No part
More informationselling commercial property
A guide to selling commercial property at auction About Us iam-sold are an auction management service provider offering Currently Over 2nd 3000 Largest Auction Network in the UK Properties Sold in the
More informationIT S A GREAT TIME TO BUY WITH BARRATT HOMES
IT S A GREAT TIME TO BUY WITH BARRATT HOMES A HANDY GUIDE FOR FIRST-TIME BUYERS To book an appointment with a Sales Adviser, call 0844 55 66 166 NOW S THE TIME TO BUY YOUR FIRST BARRATT HOME Becoming a
More information1. The value today of a payment you will receive ten years from now is the of the payment.
CHAPTER 14 MARKETS FOR OTHER RESOURCES Microeconomics in Context (Goodwin, et al.), 2 nd Edition Chapter Summary Having learned about the market for labor, in this chapter you will look at the markets
More informationA survey of public attitudes towards conveyancing services, conducted on behalf of:
A survey of public attitudes towards conveyancing services, conducted on behalf of: February 2009 CONTENTS Methodology 4 Executive summary 6 Part 1: your experience 8 Q1 Have you used a solicitor for conveyancing
More informationA free guide for readers of Double Your Business. By Lee Duncan www.double Your Business.com
7 Factors to increase the leads you generate from Pay Per Click advertising with Google Adwords. Exclusively for readers of Double Your Business. A free guide for readers of Double Your Business By Lee
More informationTOP 10 MISTAKES. Home sellers make
TOP 10 MISTAKES Home sellers make Selling your home can be a nightmare of frustration and disappointment. It can cost you thousands of dollars, either in selling too cheaply or in needless expenses. It
More informationSmall Businesses. Travel Costs
Small Businesses Travel Costs During the Summer Budget it was proposed that tax relief for travel and subsistence would be restricted for contractors who were employed through an umbrella company, or employment
More informationINTRODUCTION. DONALD DUVAL Director of Research AON Consulting, United Kingdom
DONALD DUVAL Director of Research AON Consulting, United Kingdom INTRODUCTION I have a rather narrower subject matter than David and inevitably some of what I am going to say actually goes over the grounds
More informationUsing a conveyancing lawyer: Ten helpful tips
Using a conveyancing lawyer: Ten helpful tips www.legalombudsman.org.uk Buying a new home is a significant step in anyone s life. You might be moving with a new job, getting a bigger place for a new or
More informationBUYING A HOME A few things you should know. If you are a first time home buyer, you should read this. It will give you a few hints
BUYING A HOME A few things you should know If you are a first time home buyer, you should read this. It will give you a few hints about the ins and outs of purchasing a home. If you have already owned
More informationHelp to Buy Buyers Guide
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second
More informationHow to Use the Auction Effect to Sell Your House Faster
How to Use the Auction Effect to Sell Your House Faster This approach has also been called How to Sell Your House in 24 Hours but you can take a whole weekend! Have you ever noticed that some houses seem
More informationEquity Release Guide. www.seniorissues.co.uk
Equity Release Guide www.seniorissues.co.uk For more information or to speak to one of our trained advisers please telephone our Senior Issues Team on 0845 855 4411 The Caesar & Howie Group 7/3/2008 EQUITY
More informationISAs GUIDE. An introduction to Individual Savings Accounts
ISAs GUIDE 2015 An introduction to Individual Savings Accounts ISAs GUIDE 2015 Introduction Most people s experience of saving starts in childhood. Your parents encourage you to save up a few pennies,
More informationHave Information to Make the Right Decisions!
Here's Your Free Report... How To Stop Foreclosure! Dear Homeowner, My name is Michael Riley. I am a Real Estate Investor and I can share with you the secrets to saving your home from foreclosure. I have
More informationRISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO BONDS
INVESTING RISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO BONDS Contents Explaining the world of bonds 3 So what are bonds? 3 Understanding the risks 4 Three words you need to know 4 Understanding
More informationThe President Can Worry About Syria
Page 1 of 5 The President Can Worry About Syria September 2013 Market The Syrian Civil War and whether or not the U.S. is going to become involved has been a major headline for weeks now. On the off chance
More informationA brief guide to Financial Planning Guide financial planning
A brief guide to Financial Planningplanning Guide financial Table of Contents Financial Planning The Process of Financial Planning Why do I need a Financial Plan? Do I need a Financial Advisor? Tips to
More informationBrought to you by. Technology changes fast. From new apps to digital marketing, it can feel impossible to keep up.
Brought to you by Technology changes fast. From new apps to digital marketing, it can feel impossible to keep up. At The Paperless Agent, our mission is to help real estate professionals from all experience
More informationThinking of Buying Your Council Flat?
Thinking of Buying Your Council Flat? Things to consider before you buy a flat where the freeholder is a council, housing association or other social landlord May 2015 Department for Communities and Local
More informationUIDE TO YOUR G NG A sellint in NsW. A checklist for ApArtme house or
YOUR GUIDE TO A checklist for SELLING a house or apartment in NSW. Do I really need a solicitor to sell my house? Our home is usually our most important asset. Making a mistake or misunderstanding your
More informationA brief guide to buying a residential property at auction Stephen Firmin
SOLICITORS for IndIvIduaLS and business tsplegal.com A brief guide to buying a residential property at auction Stephen Firmin Colchester T 01206 574431 Stable 6 Stable Road Colchester Essex CO2 7GL info@tsplegal.com
More informationNew Home Market Single starts highest since 1987
Canada Mortgage and Housing Corporation www.cmhc.ca New Home Market Single starts highest since 1987 CMHC is forecasting 850 singledetached housing starts for 2006, the highest number of single starts
More informationWhat is sports spread betting?
GETTINGSTARTED Welcome to the Sporting Index Training Academy, your guide to getting started in the world of sports spread betting written by Karl Chief Suntay, our spread betting coach. It really is straight
More informationA Guide to Property Investment Options
A Guide to Property Investment Options Background The UK property market is still in favour with both UK and International investors, with London being targeted in particular. Annual investment in UK property
More informationYour Right to Buy Your Home: A guide for tenants of councils, new towns and registered social landlords including housing associations
Your Right to Buy Your Home: A guide for tenants of councils, new towns and registered social landlords including housing associations Your Right to Buy Your Home: A guide for tenants of councils, new
More informationWHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice
FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life
More informationSun Life Canadian UnretirementTM
Sun Life Canadian UnretirementTM Index 2014 Canadian Unretirement Index Report Life s brighter under the sun Table of contents About the Sun Life Canadian Unretirement Index... 2 Will you be working at
More informationYour first home. A guide to buying for the first time
Your first home A guide to buying for the first time 2 Your guide to getting it right You re planning on buying a place of your own at last. It will be your space and no one else s. It s an exciting thought.
More informationBONUS REPORT#5. The Sell-Write Strategy
BONUS REPORT#5 The Sell-Write Strategy 1 The Sell-Write or Covered Put Strategy Many investors and traders would assume that the covered put or sellwrite strategy is the opposite strategy of the covered
More informationEquity Release An easy to understand guide just for you
TRuE BEARing ChARTEREd e Right direction for Financial Advice Equity Release An easy to understand guide just for you True Bearing Chartered 2 Buckshaw Court, East Terrace Business Park Euxton Lane, Euxton,
More informationGreat News For Parents of College-Bound Students
************************************************* Great News For Parents of College-Bound Students 10 New Ways To Beat The High Cost of College! ************************************************* Shared
More information