40 posts categorized "Events"

September 15, 2008

Video postcards from the Tax Haven of Cyprus...

Dear Fellow Investors...

Nick from 4 Walls here, a little sun-burned ....!

We've just got back from glorious Cyprus where the weather was an amazing 30 degrees and sunny every day!. We had a wonderful and fulfilling time over there and were lucky enough to take the opportunity to buy our dream "place in the sun", pictured below.

Click here to view more pictures of "Aqua Vista"

We've named the house "Aqua Vista". It's a contemporary 3 bedroom villa in the beautiful and tranquil village of Mazatos, near Larnaca and has stunning far reaching views of the azure Mediterranean. We can't wait to get back over to Cyprus and furnish it as we are looking forward to spending time there with family and friends and enjoying all that Cyprus has to offer.

In between relaxing by the pool and enjoying some traditional Cypriot hospitality, we managed to catch up with our good friend and international tax planning expert, Jarl Moe. With Cyprus being the No. 1 tax haven in Europe, it seemed the ideal opportunity to talk to Jarl about the benefits of international tax planning and asset protection. If you are serious and committed to being a successful property investor, you need to consider wealth/asset protection as well as wealth creation! In this exclusive interview, Jarl explains why ...

Click here to watch the video in High Definition via Quicktime

Due to our relationship with Jarl, we have been able to arrange a complimentary personal consultation with him for all 4walls clients. If you would be interested in finding out more please e-mail me at nick.tadd@4wallsandaceiling.com.

We hope that you are enjoying our broadcasts from 4 Walls and a Ceiling, and getting value from them. We certainly enjoy doing them! Whilst it's great to watch us on video, you can also meet us in person. We believe that nothing beats a personal, face to face introduction, so we endeavour to meet as many of our subscribers as possible.

We would therefore also like to remind you that it is now "last call" to register for our property networking event in Milton Keynes on Sunday 21st September.  I will be there to answer any questions you might have on "offshore Tax strategies" and/or any property related questions.

I will also be doing a brief presentation on my findings in Cyprus this time around, up-to and including the satisfactory letting of our penthouse plus the latest aquisition.

In this video postcard from Cyprus, Vanessa gives the low down on the event and why you cannot afford to miss it!

To register for the event, please email registration@4wallsandaceiling.com.

Please rest assured that we will be sending out final details to all delegates on Wednesday.

Stay tuned for our next video broadcast in which Vanessa will be talking about risk management and how to "hedge" your portfolio to spread risk.

Remember, you can never learn less!

Click here - to register for the event.

When you attend educational and networking events, you are investing in yourself and your future!

We look forward to seeing you there and sharing our passion for property with you and supporting you in realising YOUR dreams!

To your success!

Kind regards,

August 28, 2008

Property Investment Networking Event...

Nick Tadd of 4wallsandaceiling.com speaks about their upcoming property investment networking event, taking place in Milton Keynes on Sunday 21st September 2008. The event is being held in association with propertyjedi.com.

Property Networking Event... from nick tadd on Vimeo.

The keynote speaker will be Adam Powell, Managing Director of C-Sense Lettings, who has fifteen years experience as a Landlord and letting agent. Adam will be sharing valuable information about how to identify areas for letting.

To register for the event, please - click here -. Everyone who registers will receive a complimentary copy of our Top Investor Tips e-book.

Entry to the event is £10.00 on the door on the day to help towards the hire of the room.

Come and network for success with other like-minded people and accelerate your results through the group momentum!

August 20, 2008


If all the doom and gloom in the media is to be believed, it would seem that we have entered into official bear markets territory in property. (Bear markets are defined as a drop of 20% or more from a previous high.)

This is a good thing. Legendary investors understand this. Ordinary investors don't.

It’s time to get very excited about creating some serious wealth in property.

Professional investors think like a chess player i.e  a few moves ahead.

Every investor knows that, as a general rule in investing, you're supposed to buy low and sell high. Bull markets give you a chance to sell high. Bear markets give you a chance to buy low.

If you want to prosper during the next bull market - the one that will propel the averages to new highs in the years ahead - now is your chance to pick up some bargains…

Don't Let Bear Markets Scare You

Unfortunately, too many investors are lulled into complacency during bull markets and scared out of their wits in bear markets. So they do just the opposite, buying high and selling low ... or they freeze and don’t do anything.

Yes, the property market has fallen sharply over the past nine months. And it may fall further in the weeks ahead. Still, this is an enormous opportunity for long-term investors. It’s a shame a lot of them don't see it that way.

Bear Market Stocks Return 5.6% Annually

For example in stocks, in the last long bear market, 1969 to 1982, stocks returned just 5.6% annually. But that mauling set us up for an 18-year bull market where stocks compounded at 18.5% a year, enough to turn £10,000 into more than £200,000.

In the last so called U.K. “property crash” of the late eighties and early nineties, property devalued by an average of 18%.  Yet property recovered from that and returned to achieving an average of 11.8% growth per annum.  This is what it has done on average since the end of World War II.

It’s worth noting:  no one when can tell you when the next bull market will begin, how long it will last, or how high the market will ultimately go.

But, as you have probably heard throughout your entire life, the shortest route to financial freedom is to own a business. And it is safer to own a portfolio of businesses than a single one to ensure you have multiple income streams. Hence, every long-term investor needs exposure to different types of investments. When do you get to buy them cheap? During a bear market.

So, if you are not currently investing in property, now could be one of the best times in recent memory to get involved!  If you are investing, now is a great time to expand and diversify your portfolio significantly.  For instance, as we predicted at our networking event in April, more and more investors are turning to holiday lets to increase their cash flow. 

Like any market, property is cyclical.  We’ve seen this happen before, and the market has always recovered and gone on to new highs.  What we’re seeing happen now is nothing new.

Legendary American investor John Templeton, who sadly died last month, often said the four most expensive words in the English language are "this time it's different."  He also said the best bargains are found at the point of "maximum pessimism." You don't get maximum pessimism during bull markets. You get them during bear markets when everyone is saying that the world if falling apart.

Times like now, for instance. Govern yourself accordingly.

Network for Success

To that end, we are pleased to announce our next property investment networking event, which is due to take place on Sunday 21st September.  The location for this event is the Milton Keynes area.  We will be advising the venue nearer to the time.


Everyone who registers will get a COMPLIMENTARY copy of our Top Investor Tips e-book - click here -

Our guest speaker is Adam Powell, Managing Director of C-Sense Lettings Agents.  Adam is a serial investor himself, and has over fifteen years of experience in the lettings market.  His presentation will focus on how to identify key areas for lettings, and how to identify the demand for specific types of property within those areas.

To register your seat at this event, please email registration@4wallsandaceiling.com.

We charge a £10.00 entry fee on the door on the day to help towards the cost of the room hire.  However, the valuable knowledge and contacts you can get from our event far exceed this nominal fee.
We will be advising you of details nearer to the time, including the rest of the educational content.

Here are some testimonials from our last event in July:

"I am so happy to be part of a forward and alternative-thinking , inspiring group of people.  Thanks for consistently sharing information and organising great guest speakers and events"

Claire Thwaites

"Fantastic insight into everything wealth!!!! Some of the most out of the box, thought-provoking insight I have ever personally received.  It has been inspiring!!

Clinton Vallis

“I come back to 4walls networking events every month for what I term my “vitamin injection” of property wisdom”.

Zara Tippey

Remember:  poor people work, rich people NETwork so come and join our dynamic group of investors to accelerate your results through the group momentum.

Register of our event on Sunday 21st September at registration@4wallsandaceiling.com

We are running this month’s event in association with propertyjedi.com so look forward to welcoming new friends to our events and expanding the level of experience and knowledge within our ever-growing network.


Everyone who registers will get a COMPLIMENTARY copy of our Top Investor Tips e-book - click here -

August 17, 2008

VIDEO LECTURE: The anatomy of a multi-let...

Dear Fellow Investor,

We acquired another fantastic addition to our portfolio this past weekend - a 4 bedroom town house in a new development in Basingstoke!   We'd pretty much given up on the U.K., aside from holiday lets, as, with the current mortgage products, the numbers simply don't stack up.

However, this house proved to be the exception!

Therefore, we thought it might be valuable to talk you through the anatomy of this deal to explain how and why we purchased this particular property and how we are going to achieve
£300 - £400 NET cash flow per month from it.

anatomy basingstoke

Click here to watch my wife, Vanessa Warwick explaining this deal.

By the way, we actually brokered this deal on three identical houses in the development, so two of our clients (who had their mobiles switched on, on a Sunday!) have also purchased these properties.  As part of our service to them, we will get their house let out on a multi-let basis.  We will also mentor them through the entire process so that they can do it for themselves in the future.  We subscribe to the saying "Give a man a fish and you feed him for a day.  Teach him how to fish and you feed him for life!"   We believe there is nothing better than "on the job" training where practical skills are learnt out in the field, rather than just theory in a seminar room or from reading a book!

If you would like to receive details of our property deals, you need to register with us at www.4wallsandaceiling.com (if you have not already done so).   We offer a
FREE consultation to everyone who registers with us to discuss your individual situation and how we can empower you to achieve your property goals.

In previous broadcasts, we've stated that our current strategy is to go for the higher end of the market in every aspect of what we do, as we believe that the higher end of the market is more recession-proof.  In other words, wealthy people are less likely to be affected by the credit squeeze than people on a lower income, and are more likely to get credit, keeping this sector of the market buoyant on the sales front.  (Remember:  the fundamentals of the U.K property market are based on supply and demand, but also people's ability to finance deals.  Lenders are applying stricter criteria, meaning that only people with a significant income and squeaky clean credit rating are going to get mortgages.  This again will fuel the rental market for those people who do not meet the strict criteria!).  Therefore, we have focussed our property sourcing efforts on the South East of England and prime coastal areas.  We are opting for high-yeilding multi-lets and holiday lets to maximise our cash-flow, as revealed in this recent posting about investment strategies.

We came across this post in the Times On-line a few days ago, which supports what we are saying with regards to the most robust areas of the country.

Halifax reported this week that house prices fell 1.7 per cent in July, taking the annual fall to 11 per cent. Nationwide's latest index says property prices are down 8 per cent over the past year and Hometrack says the fall is just 4 per cent.

Countrywide statistics, like this, are useful for a market overview but they are not going to tell you what is happening in your street.


A regional breakdown like the one below can provide a more reliable picture, but because prices and sentiment vary dramatically from area to area it still might not provide an accurate reflection.

times house price 17-8-08

Figures for England and Wales are based on the asking prices of homes on Rightmove.co.uk, which displays details of around 90 percent of all property sales across England and Wales. Other data from latest Halifax regional house price survey.

It must be noted that, when it comes to house prices, the "gold standard" is the Land Registry as this documents actual sold prices.  You can access its data free via such sites as www.ourproperty.co.uk and www.houseladder.co.uk.  However, it must be noted that these sites may be up to three month's out of date.

We would like to finish with this quote from the famous investor Sir John Templeton.  He once said that "the best time to invest is at the time of "maximum pessimism"".  It would seem that we are fast approaching that time here in the U.K.!  If you require any support in spotting a property opportunity, please get in touch here.

To your success!

Kind regards,

Director, 4wallsandaceiling.com

August 06, 2008

VIDEO LECTURE: Positive property investment news...


At 4wallsandaceiling.com, our five years of investment in property has proved to us that, when it comes to property, there is always a silver lining to every cloud, a positive to every negative, and a flip side to every down side.

In this video broadcast, Vanessa Warwick, finalist in the Bradford and Bingley Female Investor of the Year Awards 2008 bucks the trend of the incessant reporting of doom and gloom in property, and gives you the up-side, the good news, the stuff that puts a smile on your face.
How refreshing!

Click here to watch this video broadcast.

Vanessa talks about why rents are going to rise, why better financial products are on the horizon, and why house prices will start to rise again.
She also talks about strategies for surviving the credit crunch and moving your property business forwards.

You can see Vanessa speaking at the Hampshire Property meet, this Thursday 7th August, in Basingstoke. Vanessa and her husband Nick Tadd will be speaking about the benefits of holiday lets, both here in the U.K. and abroad.

To book your place at the Hampshire property meet, please Click here

If you would like to register for FREE property intelligence, video tutorials, and video broadcasts like this one, please visit 4wallsandaceiling.com

Kind regards,

Nick Tadd

July 21, 2008

Video lecture:- staying motivated through challenging times...

Dear Fellow Investor,

Times are tough at the moment in property-land, there is no doubt about it! Whether you are just starting out on your property investment career, or you are a seasoned investor, it's currently very challenging to keep moving forwards.  To that end, we are attaching a video lecture that we think may be of interest to you and inspire you to keep going.

Whatever you are doing in life, there comes a point when you feel like you want to give up.  It's called "the dip".  If you can push through this, and keep heading towards your goal, you will achieve success.

So whether you are finding property investment a challenge, or you are trying to get fit, lose weight, stop smoking, or launch a new business, if you can get through "the dip", then you WILL succeed.

Please click here to watch a short video lecture from property expert, Nick Tadd, recorded this past weekend 20-7-08.

We would also like to take this opportunity to thank everyone who attended our networking event on Sunday in Guildford.  It was great to welcome so many new faces to our network.  Those of you that made it to our event pushed through "the dip" to give up your Sunday to invest in yourself and your future!.

The famous actor Woody Allen once said, "80% of success is showing up".  He was right.  We therefore acknowledge all of you who made the effort to attend our event.  Your commitment to your property business will reap rewards and we are here to support and encourage you every step of the way!

Here are what our delegates had to say about our event:

"I come back to 4 Walls' events month after month for my injection of "property wisdom".  Meeting like-minded people who are committed to their business gives me the faith to continue to invest in my future". Zara Tippey, Head Higher Coaching

"I am so happy to be part of a forward and alternative-thinking , inspiring group of people.  Thanks to 4 Walls for consistently sharing information and organising events".  Clare Thwaites.

"Brilliant, professional as ever.  Wow, did I learn a whole lot more today!  This day could not have been better spent!  Worth every minute!".  Hazel Reed - Hampshire Property Meet

"Fantastic insight into everything wealth!!!  Some of the most "out of the box" thought-provoking insight I have personally ever received!  It has been an inspiring day!". Clinton Vallis

If you have not already done so, please register at www.4wallsandaceilng.com. From your first day of association with us, we aim to bring massive value to your property business.   We provide the tools, resources, support, education, networking, and contacts to empower you to achieve unlimited wealth through property investment.

When it comes to successful property investment, it is not a case of "one size fits all" as everyone has a unique financial situation, a different amount of time they can commit, and different goals they want to achieve.  We offer a personal and bespoke service to support you in achieving your property goals.  Please click here for further details of how we can serve you.

We invite you to register at www.4wallsandaceilng.com for details of our future events, our video broadcasts of the latest property intelligence, and the latest news.  Remember, you can never learn less!

Property investing can sometimes be a lonely place, so you have a lot to gain by joining a group of dynamic, like-minded people who are all committed to success and who all share their experiences and knowledge.

We look forward to welcoming you as a valued member of our network!

Nick Tadd

July 14, 2008



At 4wallsandaceiling.com our mission is simple but effective:  Empowering you to create unlimited wealth through property investment.

Click here to watch my video message

Do you want to accelerate your property portfolio/business?

We offer a personal and bespoke service to support you in achieving your property goals.  Whether you are an experienced investor or just starting out, we offer support, solutions, advanced strategies, networking opportunities, and property intelligence to help you stay ahead of the game and make the most of market conditions, no matter how challenging they may be!

Do you:

•    Want to get involved in property investment, but don’t know where to start?
•    Find it difficult to know which type of property deals you should be buying?
•    Struggle to stay motivated and on-track with your business on a day-to-day basis?
•    Find it hard to know exactly where your property business is heading and how to get there?
•    Find it difficult to work everything out by yourself?
•    Feel de-motivated by all the doom and gloom in the media?
•    Don’t know whose advice to trust?
•    Constantly get distracted by new ideas, but never follow through on them?

It can be hard to stay motivated when what you are doing on a day-to-day basis just isn't working in the way you want, and you may find that:

•    You are confused about what to do next ;
•    You have no clear direction or strategy for moving your property business forwards;
•    Your lack of confidence in certain areas holds you back;
•    You know you have loads of potential but ................... ;
•    There's no-one to keep you accountable for taking action.

Having experienced many of these issues first hand, we know that talent and skill on their own are usually not enough.  Keeping yourself accountable and motivated is incredibly challenging and virtually impossible to do working alone and in isolation.

Imagine how good it will feel when you are running a property portfolio/business where:

•    You are playing to your strengths and passions.
•    You are supported by a “Power Team” of professional people i.e. brokers, solicitors ...
•    You have the courage to constantly break through new boundaries to move your property business forward.
•    You know where you are heading and how to get there.
•    You feel supported in every aspect of what you are doing.
•    You know how to prioritise your work in order to achieve the best results.
•    You are running your portfolio and business efficiently and cost-effectively.
•    As time is more precious than money, you are using your time effectively.
•    You are seeing tangible results with positive cash flow from the rent, month on month.

There are so many 'experts' out there telling you how to build a property portfolio and all the things you 'must' do to create huge wealth in property in a short space of time that it can become confusing and over-whelming.  At 4 Walls and a Ceiling, we do not believe that there is a ‘one-size-fits-all solution’ and it's important to discover what works for you and your circumstances; and to create a plan that allows your property portfolio to grow at an achievable pace without the expectation of any “get-rich-quick” scheme.

We believe now, more than ever, that networking and education are vital components of your strategy to achieve success in investing.  We are committed to providing you with the very latest property intelligence and strategies to help yourself move your property business forwards along with a genuine networking opportunity to meet other like-minded people from all different areas and levels of property investment.  We take a holistic approach to property, and assist you in not only building a safe and profitable cash-flow-rich portfolio (like we ourselves have done), but also help you manage your property business efficiently using the latest technology and software (as we ourselves do!).

Remember:  Poor men work, rich men NETwork.

To that end, we would also like to remind you that our next property investment networking event is coming ever closer.  It is taking place at the Holiday Inn, Guildford, this Sunday the 20th July.

Click here to watch my video message.

At this meeting, we are very proud to present guest Speaker Jarl Moe, who will be flying in from Cyprus to talk to you.

Jarlmoe Jarl Moe was born in 1972 in a small town by the coast in Norway and has, since the age of 14, been an entrepreneur building businesses.  He started in the entertainment industry with his own TV and radio show and has gone on to build many successful businesses.  He now specialises in teaching people all over the world on how to minimize income and capital gains tax within the property and stock market.

Jarl Moe is the founder and manager of the international Tax Consultant company The TaxWizards and is consulting for business people all over the world on a day to day basis from his offices in Larnaca, Cyprus (that is when he is not scuba diving!)

One of the best ways to move yourself forwards is to learn from others who are successfully doing what you would like to do.  Jarl is one our mentors.

Jarl says, “Making progress in life is all about education” and we couldn’t agree with him more. His passion for education attracted him to personal development.  Jarl invested in the industry in 2006 and became the new owner of Inner Compass International, one of UK’s leading personal development companies. He now hosts paid seminars in UK, India, USA and Cyprus teaching entrepreneurs how to reach their goals faster.

Now, Jarl is on a new mission.

“To educate 1 million entrepreneurs in how to save, or not pay any taxes at all!”

Jarl Moe has been trained by some of the most credible specialists within international tax planning.
The combination of experience from the entertainment industry, building several successful business ventures and now tax planning has resulted in a clean cut, straight forward and understandable message.

Yes, even you can pay zero tax 100% legally!

Jarl Moe is the man who can tell you in layman terms how to do it.  To hear him speak, you will need to register for our event on Sunday 20th July.

If this is not of interest to you, then you need to ask yourself why you are involved in property.  Wealth protection is as important as wealth creation and you no doubt want to provide for your children in a tax efficient format, after you’re gone.  Jarl can share this with you, along with many other sophisticated tax mitigation strategies.

Please register at events@4wallsandaceiling.com

Remember, to achieve success requires MASSIVE action on your part.  Take action now and book a seat at our event.  You never know who you will meet during the networking sessions or how they might impact powerfully on your property business!

Everyone who attends will be entered into a FREE prize draw to win a long weekend break at our fantastic holiday cottage “SeaBreeze” at Camber Sands.  You may need that bikini or those swimming trunks sooner than you think!

For further information, please click here

Registration at our networking event only costs £10.00 on the day to help towards the room hire. However, if you bring two people with you, you get FREE admission.

We look forward to meeting you there.
To your success!

Nick Tadd

P.s.  You may also want to take a look at our website for other ideas of how to run your property business more efficiently.  We’ve recently up-dated the website and added a lot of new, up-to-date content to support investors through these challenging times.  Please visit www.4wallsandaceilng.com for the latest property news and intelligence

Spread the word:  If you have enjoyed reading this newsletter, and have a friend or colleague who you believe might also benefit, please forward it on.  Anyone can sign up for a free, privacy-protected subscription by visiting www.4wallsandaceiling.com

June 27, 2008

Game, Set and Match to Tax Planning!

June Newsletter: Game, Set and Match to Tax Planning!

Wimbledon 2008...

Nadal_finished_2 Men in cardigans, women in shorts, and the sun is shining!  The Rules of The Game are changing in tennis, and it's no different in property!  Today's newsletter is all about protecting your wealth, as we move into even more challenging times, here in the U.K.

Tennis Vs. Property...

If you care to think about it, there are many similarities between playing the game of tennis and playing the game of property.  A successful tennis player needs enormous self-discipline, drive, determination, attitude, and focus.  These are also the attributes of a successful investor.

A successful tennis player will devise tactics and strategies to win, and will have an overall "game plan" that they stick to.  So should a successful investor.

The likes of Federer and Nadal can adapt their game to reflect changing conditions.  So must you as an investor.

Finally, a winning tennis player will have tremendous stamina and the ability to keep cool under extreme pressure.   As a successful investor, you need to keep the faith and maintain your cool if the going gets tough.

At 4Wallsandaceiling, we like to think we are "playing the game" of property at the highest level.  Why not come and join us and raise your game as a result?  That is the very essence of why networking is so important to you as an investor - you can learn from others more advanced that yourself.

Poor men work, rich men network...

We cordially invite you to our next networking event to be held on Sunday 20th July at the Holiday Inn in Guildford.  Please book here.

As always, we are committed to delivering MASSIVE VALUE and educational content, along with a superior networking experience.

Jarlmoe_finished_2 For this event, we are very proud to announce that millionaire entrepreneur, businessman, and property investor, Jarl Moe, is flying in to speak to you.  Jarl is one of the world's leading experts on International Tax Planning within investments and asset protection, internet and international business.  He will be speaking on how to mitigate your tax liability, and protect your wealth through the use of offshore company structures.  If you have 2 or more properties, YOU NEED TO HEAR THIS TALK and expand your thinking to start putting wealth protection strategies in place.  Jarl will be flying in from Cyprus to speak to us, so please do not miss this opportunity to meet and network with him.

Our friend and mortgage broker, Dan Peacock will also be on hand to speak about trends developing in the lending industry, and making forecasts for the future.  It is our belief that interest rates are set to go UP rather than down, and Dan will be advising you how to water-proof your portfolio against stormy weather in the money markets.

Yours truly, Nick Tadd, as recently seen on BBC2's "The Truth About Property", will also be giving out a healthy dose of property news and intelligence to help you make the most of the market conditions.

To register for this event, please book here.

Cambersands_finished Win a long weekend break at Camber Sands...!

Everyone who attends our event on Sunday 20th July, will be enterted into a free prize draw to win a long weekend break at our fantastic holiday let, "Seabreeze" on the fabulous Camber Sands in East Sussex.   For further information, please click here. The winner will be drawn at the event.

This is a prize value of £400.00 not to mention that you will be able to relax and experience a professionally run U.K. holiday let on one of the  "Top Ten Beaches in the World" as voted by the readers of the Sunday Times Travel Magazine!.  And only 90 minutes drive from central London.

Setting the record straight...

Finally, we wish to apologise to our friend, Dominic Farrell at Jet to Let Investments.  In our recent newsletters we have incorrectly named his 5 star spa resort in Mazatos, Cyprus.  The correct name is the Grove Spa Resort.  Apologies for the error.

What people are saying about 4 Walls...

We would also like to thank Andrew Fennell for the wonderful testimonial we received from him this week.  This really says it all about us and it really made our day:

"I just wanted to thank you and your team for taking such good care of Christine over in Cyprus. She had a great time, learnt an awful lot, and came back tired but full of renewed enthusiasm for property investment (much needed after 9 months of 'tenants-from-hell' syndrome here in the UK). Christine also gained much from rubbing shoulders with the group, all of whom had something valuable to add both in knowledge and experience terms.

Faith in human nature and investment potential restored!

From what I have observed you are 'getting it right' - spreading the word about sensible, profitable property investment and managing to do it with warmth and energy - without ripping anybody off."

Some words of encouragement...

Finally, we have had a few clients calling us for support in these difficult and challenging times in the U.K. property market.  We would therefore like to finish this newsletter with an empowering quotation to help you "keep the faith" with what you are doing , and not be brought down by all the media doom and gloom, and other people who are not investing in property, but who have an opinion.  We are not sure who authored this quote, but it is one of our personal favourites:

"It is not the critic who counts, nor the man who points out how the strong man stumbles or where doer of deeds could have done better.  The credit belongs to the man who is actually in the arena, who's face is marred by dust and sweat and blood; who knows great enthusiasm, great devotion, and the triumph of achievement and who, at the worst, if he fails, at least fails while doing greatly - so that his place shall never be with those cold and timid souls who know neither victory nor defeat".

Get on the pitch with us and raise your game!

We are all in the arena, on the pitch and at 4 Walls And A Ceiling, we assist you in playing the game at the highest level and being triumphant in every aspect of your property business.  So remain true to the cause and keep pushing forwards towards your property goals!.  We are here to support you every step of the way, and please feel free to lean on us for support and encouragement.

Please take a positive step forwards by registering for our event in Guidlford on the 20th July.  Entry to the event is £10 to help towards the hire of the room. However if you bring 2 people with you, you get free admission.

Please book here.

I look forward to meeting you there.

Until then, happy and safe investing,


P.s.  You may also want to take a look at our website for other ideas of how to run your property business more efficiently.  We've recently up-dated the website and added a lot of new, up-to-date content to support investors through these challenging times.  Please visit www.4wallsandaceilng.com for the latest property news and intelligence

Spread the word:  If you have enjoyed reading this newsletter, and have a friend or colleague who you believe might also benefit, please forward it on.  Anyone can sign up for a free, privacy-protected subscription by visiting www.4wallsandaceiling.com

April 17, 2008

Ignoring this email could seriously damage your wealth!


4walls_live_pic First of all, thanks to everyone who made the effort to attend out event this past Saturday.  We were delighted to welcome 21 new faces to the 4Walls family!

A new delegate, Richard Francis, described the event as "stellar".  You can't really say better than that!

Everyone who attended our event was given the opportunity to SAVE SOME MONEY, and TO MAKE SOME SERIOUS CASH!  If you want to find out how, read on:

Nick Tadd was up first with our latest market intelligence report:

The Bank of England has cut the base rate to 5%.

Their full statement can be found here: Click here

The best mortgage deal we had on Friday was Birmingham Midshires with a 5.7% tracker and 125% rental stress.  We are now finding it virtually impossible to get any deals to stack here in the U.K. without putting in large amounts of cash.  This is due to the unfavourable rental stresses.

However, those of you thinking that mortgage product rates are going to come down anytime soon to reflect the drop in the base rate are likely to be disappointed in the short term.  It is our belief that mortgage products are going to get worse before they get better.  This is because the LIBOR rate (which is high) is affecting how banks lend to each other, and many banks are holding on to their liquidity and not lending anything at all! 

The Bank of England statement also touches on other factors that may leave some Landlord's facing financial hardship due to their inability to finance property portfolios.

Mark Alexander, Managing Director of our friends at The Money Centre explains; "The withdrawal of lenders such as Paragon from the buy-to-let mortgage market has flooded the market with £3 billion worth of business that they would have potentially handled.  This has led to an overflow of business into other lenders, some of whom are struggling to handle the sudden influx and are closing their doors to new lending.  Some sections of the media are predicting that lenders will drop their loan to value rates in the coming weeks in order to control their business levels."

With this in mind, Nick delivered a SERIOUS WARNING that you should take heed of:  It is our belief that lenders are likely to drop their LTV's to 75% in the near future.  Therefore, if you are looking to release equity via re-mortgaging, you need to get your applications in NOW.  (Mortgage offers can be valid for up to 6 months). The difference between re-mortgaging at 75% and 85% equates to a lot of money, so now is the time to secure your re-mortgage at 85% to release the maximum amount of equity.

On a positive note, Nick reported that rents have risen 4% for houses and 2% for flats in the first three months of 2008 according to ARLA.

Nick then went on to explain the credit crunch in more detail along with his views on how the market is going to fare over the coming months.  He concluded that you have three choices of strategy here in the U.K.:

1.    Spend a lot of time trying to get deals to stack and putting in large amounts of cash which you have no hope of getting back in the near future.
2.    Do nothing and wait for the U.K. situation to improve.
3.    Look for other opportunities, benefit from them, and then re-invest in the U.K. when the situation here improves.

We recently mentored a customer who had purchased an apartment through us in Cyprus which tied up £9K of his own money in the deposit.  He has now sold that apartment 14 months later and has made a net profit of £60K!  He is naturally totally stunned and delighted and has now reinvested that money in two further apartments in Cyprus while keeping £30K liquid in his U.K. bank account.  A very comfortable situation to be in.

After much soul-searching, we at 4 Walls and A Ceiling have decided to withdraw from the U.K. market for the time being.  The reward to effort ratio simply isn't there for us at the moment.  We've been investing in, and promoting Cyprus for the past 18 months, and in stark contrast to the U.K. market, the news there is totally positive and keeps getting better.  We are so glad we have our Cyprus investments to hedge what is happening here in the U.K. If you are struggling in the U.K., then you should definitely consider investing in Southern Cyprus.

Here are the top ten highlights of the latest positive property intelligence from Cyprus:

1.    Cyprus was recently voted the No. 1 retirement destination in the world!  This is due to their favourable taxes on pensions, being Europe's best tax haven.  U.K. pensioners are taxed at only 5% on their pensions in Cyprus.  Plus they benefit from a healthier lifestyle, lower crime rate, lower cost of living, and comparable health services.
2.    In an article on Europe's best and worst property markets, based on data from the Royal Institution of Chartered Surveyors, Forbes noted that Cyprus property saw the second highest rate of property price inflation last year behind Poland. Unlike its east European counterpart, however, the Mediterranean island has subsequently gained the advantage of being part of the single European currency, which may inspire greater confidence among investors than the zloty.
3.    Despite the rate of house price inflation rising from 7.6 per cent to 15 per cent, Cyprus still has plenty of highly affordable property.
4.    The Cypriot government has a tourism strategy in place and have just launched a new advertising campaign, fronted by Cypriot tennis star Marcos Baghdatis. UK viewers may have seen some of the adverts on television already.
5.    The Cyprus Tourism Organisation (CTO) has reportedly been given the go ahead from the EU to provide support to airlines to introduce new routes to the island. The move from the EU and the Cypriot government is part of the above strategy to bring in more tourists to help boost its industry. "It's a new scheme and it's a transparent one, which is applicable to all European airlines, not just low-cost carriers," said CTO director general Phoebe Katsouri in an interview with the Cyprus Mail. New routes are likely to be added in 2009.
6.    The U.K. sports entrepreneur David Lloyd, is building a project near Larnaca called the David Lloyd Olympic Village.  This will be a large training facility for both professional and amateur athletes and will be used for year round training.
7.    Four Seasons are scheduled to build a four star hotel near the David Lloyd Olympic Village.
8.    Cypriot banks have not been affected by the credit crunch as they never invested in sub-prime mortgages.  Therefore, they have money to lend and there are better mortgage products becoming available all the time, due to entry into the EU.
9.    The discovery of off-shore oil is likely to fuel the Cypriot economy. The Norwegian company ProSafe has announced it is moving its headquarters to Larnaca, and re-locating 1300 staff to the area.
10.    The golf industry in Cyprus is booming and offers tenant occupancy throughout the winter months.  The new PGA affiliated golf course at Tersefanou is putting the Larnaca area on the map for the wealthy golf market.

Nick then announced our latest development in Cyprus - Kiti Gardens II.  We had deals available on the day from £10K total financial input.  We have sold out of most of the units, but we still have a few available.

Please email nick.tadd@4wallsandaceilng.com for further details. 

All clients reserving a property through us will receive a viewing trip and seminar in Cyprus about how to rent your Cypriot property to generate significant cash flow.  As far as we are aware, we are the only company that is offering this "business in a box" type approach where you are equipped with a property, all the information you need, all the contacts you need, and all the support you need to run your property as a business.

Please note: we do not charge any intro fees for our Cypriot deals as we have purchased shares in the development company.  That shows our belief and commitment to Cyprus property!  Unlike other companies, we put our money where our mouth is.  All four Directors of 4Walls have purchased multiple properties over there.

Next up, Vanessa Warwick spoke about "Taking Care of Business".  She ran through an exercise highlighting the difference between people who are only "dabbling" in property and treating it like a hobby, and those who are treating it like a business.  Which category are you in?  For instance, if you are not attending networking events on a regular basis, you are not adopting a business-like attitude and, as a result, it is highly likely that your business will not be as successful as someone who does.

Vanessa then revealed a strategy for reducing your credit card debt.  If put into practice, this strategy would save you £££££'s in interest and allow you to pay off your debt more quickly.  Details of this strategy are available in our Investor's Kit.

Finally, Vanessa went on with an exercise of looking at your money habits and how to improve them.  This again would make you more efficient and disciplined in dealing with your finances and save you money!  A copy of the slideshow is available on request.

The meeting ended with the announcement of our next networking day on Sunday 18th May. click here to book

Please register your place now at events@4wallsandaceiling.com and put a note in your diaries.

Missing our events could seriously damage your wealth.  However, attending them could seriously increase your knowledge and wealth.  The choice is yours, as always!

April 09, 2008

Last Call to our April Networking Event...

4walls_live_pic Last Call to our April Networking Event...


Dear Fellow Investor,

Here, at 4 Walls and A Ceiling, we appreciate that you are bombarded with invitations to networking events, seminars, and workshops on a daily basis.  However, many of these events only deliver the "sizzle" and not the "steak".  As an investor seeking to secure your financial freedom from property investment, you NEED the steak to help you move forwards. 

At our events, we have CONSISTENTLY provided impressive property intelligence and MASSIVE value to our delegates.  You only have to look at some of the testimonials that we have received to see that this is definitely the case:

"Just wanted to thank you for inviting me to today's event and reiterate how good I thought it was.

It seems to me that you are aiming to provide EXACTLY WHAT MANY INVESTORS NEED. To my mind those things are good advice, imaginative ideas, ethical services and renewal of enthusiasm for the cause. Also, I am sure I am not alone in finding property sourcing/purchasing/investing quite a lonely and isolating experience at times therefore the opportunity to chew the fat with others in very similar boats has enormous benefits."

Adrian, Nottingham

I found the  "4wallsandaceiling"  networking event held on 19th January to be really valuable, informative and well-constructed presentation of how to succeed as  professional landlords in today's  rather volatile market.

The presentation was professional and efficient, relaxed and - above all - FUN !

Joy Webber, London

Many events and seminars that you pay ££££££'s for promise so much, but, in reality deliver so little.  4 Walls and A Ceiling is the exception. All this property intelligence for only £10!!!

As we are full-time investors ourselves, 100% engaged in the property business 24/7, we are constantly reacting to the latest market intelligence and conditions, and up-dating you accordingly so you always have the true - and bigger - picture.  Every month, you benefit from our extensive research and efforts that we have used to advance our own portfolios.  It's like having a vitamin injection of property intelligence from an expert source!  It's pure property elixir.

Our next networking event is only a few days away, and it's set to be the best one ever!

At this month's event we have again put together a programme of education to give you IMMENSE value.

Our very own Nick Tadd will be explaining the credit crunch and what it means to you.  You may be surprised to know that some people are taking advantage of these challenging conditions and making a heap of money.

Would you like to find out how? 

Nick will then be joined by Andrew Callen (Serial investor and solicitor) to explain to you how to make the most of the market conditions to grow your property wealth dramatically.  While other people are sitting on the sidelines, you will be empowered to take massive ACTION and move your portfolio forwards.

See opportunity where others see negativity.

Our award-winning Vanessa Warwick will also be doing a presentation called "Taking Care of Business".  She will be helping you examine your "money habits" and offering solutions of how to improve your financial situation.

Take control of your finances!

Our panel of property experts will also be on hand to answer any questions you may have on any subject to do with property.

Of course, you have a choice:

a)     Go shopping on Saturday (like "the masses") and buy things you don't need with money you don't have;
b)    Come to our networking event and empower yourself to move your property business forwards.

If you have chosen, or choose the first option, then you are not serious or committed to your property business.  Sorry to be blunt, but it's true.

If you choose the second option, you will join a dynamic group of people who are all committed to securing their financial future, and who are taking constant MASSIVE action to achieve their goals.

So, if you have not yet signed up for our event, what is stopping you?

Throughout life you can rise to the level of your abilities or you can fall to the level of your excuses.
What is your excuse for not attending a networking event?  Is that excuse costing you your financial future?

These are challenging times, and when the going gets tough, it sorts the men from the boys!

If you are serious about success in property, you will take constant action to move yourself forwards.

It is a proven fact that you accelerate your results through the group momentum or network.

Remember:  Poor people work, rich people NETwork.

So instead of going out shopping on Saturday like everyone else in the rat-race, make a commitment to yourself to do something extraordinary and give up your Saturday to invest in yourself and your financial future.

At 4 Walls and A Ceiling, we are committed to helping you achieve financial freedom through property investment.  If you come to our event, you will meet some of our delegates who we have helped on the road to financial freedom.  This is not "sizzle", this is "steak".  It's a very juicy stake and there's enough for everyone to have a bite of!

Please register for your seat at events@4wallsandaceiling.com.

Date: Saturday 12th April 2008

Time:  12.00 noon to 5.00 p.m.

Venue:  Holiday Inn, Egerton Road, GUILDFORD, Surrey.
Parking is free!  Entry to the event is £10.00 to help towards the room hire, and this includes a first round of tea/coffee.

It's the best £10.00 you could ever spend.  It equates to less than two cinema tickets, less than a meal out, less than a tank of petrol for your car, less than a hardback book.  It's EXCEPTIONAL VALUE for money and the benefits are PRICELESS!.

Register now at events@4wallsandaceilng.com.  You are already one step closer your goals!

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