Wednesday 11 March 2015

Introduction to Rent to Rent strategies in UK Property...

Investing in property is very simple if you want to invest in property in the traditional way.

This may be a single buy to let or flipping a bungalow for profit once you have added some value. It is by all means straight forward if you have the right tools and knowledge for the job and of course the passion and drive to go and find the deals.

One of the key things we teach is sophisticated investing which is where you take control of property more so than owning it for higher profits.

Why?

Because this means we can open up so much more opportunity with many more property deals and Rent to Rent along with Lease options are two of these key strategies.

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RENT TO RENT WORKSHOP - 28th March

Discover more about our 1 day Rent to Rent workshop using the link above. You will be surprised at how much less you will pay than expected for such a course.
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Nelson Rockefeller famously said, “The secret to success is to own nothing, but control everything

Whenever you read about wealthy people they never tell you what they own, they talk about what they control – business, companies, cars, property etc.

When we make money from property today it is mostly from taking control, making some changes to the planning or use and perhaps adding value too. We then use methods to increase the value getting our profits out or selling on as an option – we don’t pay massive deposits meaning we can work on several deals simultaneously.

Good News

Rent to Rent is one of those and using Lease Options can also increase your profits and long term wealth beyond your imagination.

To make this work you will need to be a hard worker and very focused. To do this you will need a purpose in your life, a need to make money and a need to help others. This will create a drive in you that will continue to get you off the couch and onto the streets doing deals.

Looking at the news and reading about immigration increasing in the UK, many young people who cannot afford their own homes, pensioners now spending all their capital and a shortage of homes means a high demand for rental properties and a high demand for house sharing in big cities.

To buy a property in the current market you need at least a 20% deposit to buy a BTL and you will also need to pay fees, solicitors, brokers etc. and of course tax and/or stamp duty.

As mentioned before what we like is controlling property as this takes up little capital and we also LOVE cash flow. Imagine not owning a property but making a residual income from it every month and you also get to purchase the property later when the time is right for you at a large discount part of which you have already paid?

If you have little money but you have some time then this is what you have been looking for, a simple to learn, easy to follow and sustainable business model using two key strategies together.

You can go out into the market place today and you can find properties and start making £500 per month minimum from each property.

Do this ten times and you have £5,000 per month income. Do it 20 times and you have £10,000 per month.
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RENT TO RENT WORKSHOP - 28th March

Discover more about our 1 day Rent to Rent workshop using the link above. You will be surprised at how much less you will pay than expected for such a course.
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PLUS

You have control over a £Million plus worth of property that you have an option to buy at a time that suits you over the next 5-10 years.

If you can find one you can find many more – just repeat time and time again.

Many of the people that I meet on a daily basis and who attend our course echo the same desires. They want financial freedom and they want to be able to quit their day job and quit the daily grind of commuting – some 4-5 hours per day travelling just to get to work and then home again spending little time with family and friends. In most cases there are huge amounts of money being spent of child care and trains which could otherwise be spent on creating your own property portfolio.

Are you ready to start making a residual income from property?
 
Then book your space today on our one day intensive content rich Rent to Rent mastermind. You will get the following;
 
  • Full manual printed and presented to you on the day to take away and use as a reference with electronic updates for 12 months.
  • You also get the full one day course as mentioned and tons of tips on the day along with a fully scripted live role play with agents.
  • We also provide you with all the contracts and documents you will need with letters to agents and landlords included.

You will be surprised at how much less you will pay than expected for such a course.

Ashley Banfield

Saturday 7 March 2015

Title Splitting Property in the UK...

Joe asked the question: "in layman's terms what is a title split and how would you go about it?"

Here is my reply:

Hi Joe,

Imagine a property that has been historically extended and developed to create 5 self contained flats.

The flats have a higher yield that a single property so the developer was very happy, but it is very hard to finance or re-finance.

The landlord developer has now decided that he wants to sell.

He puts in with an agent, who places it on rightmove where it sits for 6 months at £450k attracting a few offers but most are too low because they are cash offered by bargain hunters or fall through due to lack of lending on freehold flats.

You however see this block and realise that if leases are created on the flats then the entire property when split is worth substantially more (23% - 32% more) and so you have a chat with a solicitor about the process.

You know that the first conveyance to exchange/ option/ buy costs £1k, you can create new 125 years leases for £1k each and the resale of each flat costs £800 per flat, then sale of the freehold costs £800, so legals just squeeze into £12k
You offer to buy the property at the full asking price but want 6 months between exchange and completion. You can exchange on a 10% remains due basis, ie not payable until completion.

During this 6 month period you split title and sell the flats individually for 110k each, bringing in 550k.
You also sell the freehold for £8k, going some way to covering your legal bill.
Stamp duty will be mitigated by including rights to sell the pieces individually and offset against the purchase price, thereby avoiding double taxation and negating the need to pay stamp duty on the entire purchase price.

You make £96k profit less estate agent resale fees assume generous 2%+ vat = £13.2k
Net profit = £82.8k less sundries and tax

Vendor very happy with getting asking price, flat buyers happy, you're happy.

Of course there are risks to this which can be mitigated by using options instead of exchange if the vendor will allow it and by exchanging in an spv rather than personally.
There are other methods and many ways that this can be done, including refinancing as an exit instead of selling.
Bear in mind lenders exposure they will usually only lend on 1 or 2 per block and wont like you owning more than 1.

Researching prices and getting several surveyors/ agents opinions on resale prices with 125 year leases and reasonable service charge and ground rent is vital.
Check planning permission was approved and building regs are compliant or you will need to start spending real money on the property itself rather than just on the paperwork.

That is one type of "Title Splitting" but really it is "Leasehold Title Creation".

Pure Title Splitting is a multiple unit, usually mixed use site, for example a house and two cottages. Again the site has a small demand when offered for sale as 1 package but genuinely split the title into 3 parts and they can be sold individually, WHOLESALE TO RETAIL.

 I hope that helps,


PS: You can download our process flowchart for Title Splitting (TS) and Leasehold Title Creation (TC) Free of Charge here:

CALL ME ADRIAN HIBBERT on 07966 871854 to arrange for an  Introductory Property Workshop...

Nick Vujicic Oprah show - Against All Odds

Barratt Share Price - 7th March, 2015 - BUY Recommendation

Company Information
Business: Barratt Developments PLC is a holding company. The Company’s principal activities consists of acquiring and developing land, planning, designing and constructing residential property developments and selling the homes it builds.

Capital Appreciation
Value: Value is a measure of a stock's current worth. BDEV.L has a current Value of 882.58p per share. Therefore, it is undervalued compared to its Price of 519.00p per share. Value is computed from forecasted earnings per share, forecasted earnings growth, profitability, interest, and inflation rates. Value increases when earnings, earnings growth rate and profitability increase, and when interest and inflation rates decrease. VectorVest advocates the purchase of undervalued stocks. At some point in time, a stock's Price and Value always will converge.

RV (Relative Value): RV is an indicator of long-term price appreciation potential. BDEV.L has an RV of 1.66, which is excellent on a scale of 0.00 to 2.00. This indicator is far superior to a simple comparison of Price and Value because it is computed from an analysis of projected price appreciation three years out, AAA Corporate Bond Rates, and risk. RV solves the riddle of whether it is preferable to buy High growth, High P/E stocks, or Low growth, Low P/E stocks. VectorVest favors the purchase of stocks with RV ratings above 1.00.

RS (Relative Safety): RS is an indicator of risk. BDEV.L has an RS rating of 1.26, which is very good on a scale of 0.00 to 2.00. RS is computed from an analysis of the consistency and predictability of a company's financial performance, debt to equity ratio, sales volume, business longevity, price volatility and other factors. A stock with an RS rating greater than 1.00 is safer and more predictable than the average stock in the VectorVest database. VectorVest favors the purchase of stocks of companies with consistent, predictable financial performance.

RT (Relative Timing): RT is a fast, smart, accurate indicator of a stock's price trend. BDEV.L has a Relative Timing rating of 1.39, which is very good on a scale of 0.00 to 2.00.  RT is computed from an analysis of the direction, magnitude, and dynamics of a stock's price movements over one day, one week, one quarter and one year time periods. Once a stock's price has established a strong trend, it is expected to continue in that trend for the short-term. If a trend dissipates, RT will gravitate toward 1.00. RT will explode from bottoms, dive from tops, and reflect changes in price momentum. VectorVest favors the purchase of stocks with RT ratings above 1.00.

VST (VST-Vector): VST is the master indicator for ranking every stock in the VectorVest database. BDEV.L has a VST rating of 1.43, which is excellent on a scale of 0.00 to 2.00. VST is computed from the square root of a weighted sum of the squares of RV, RS, and RT. Stocks with the highest VST ratings have the best combinations of Value, Safety and Timing. These are the stocks to own for above average, long-term capital appreciation. VectorVest advocates the purchase of safe, undervalued stocks rising in price.

Recommendation (REC):  BDEV.L has a Buy recommendation. REC reflects the cumulative effect of all the VectorVest parameters working together. These parameters are designed to help investors buy safe, undervalued stocks rising in price. They also help investors avoid or sell risky, overvalued stocks falling in price. Buy-rated stocks in rising markets.

Stop (Stop-Price): Stop is an indicator of when to sell a long position or cover a short position.  BDEV.L has a Stop of 464.17p per share. This is 54.83 belowp BDEV.L's current closing Price. A stock's Stop is computed from a 13 week moving average of its closing prices, and is fine-tuned according to the stock's fundamentals. High RV, high RS stocks have lower Stops, and low RV, low RS stocks have higher Stops. 

GRT (Earnings Growth Rate): GRT reflects a company's one to three year forecasted earnings growth rate in percent per year. BDEV.L has a forecasted Earnings Growth Rate of 31.00%, which VectorVest considers to be excellent. GRT is computed from historical, current and forecasted earnings data. It is updated each week for every stock in the VectorVest database. GRT often foretells a stock's future price trend. If a stock's GRT trend is upward, the stock's price will likely rise. If GRT is trending downward, the stock's Price will probably fall. VectorVest favors the purchase of stocks whose GRT is rising and is greater than the sum of current inflation and interest rates, as shown weekly in our investment climate report.

EPS (Earnings per Share): EPS stands for leading 12 months Earnings Per Share. BDEV.L has a forecasted EPS of £0.45 per share. VectorVest determines this forecast from a combination of recent earnings performance and traditional fiscal and/or calendar year earnings forecasts.

P/E (Price to Earnings Ratio): P/E is a popular measure of stock valuation which shows the dollars required to buy one dollar of earnings. BDEV.L has a P/E of 11.63. This ratio may be deemed to be high or low depending upon your frame of reference.

EY (Earnings Yield): EY reflects earnings per share as a percent of Price. EY is related to P/E via the formula, EY = 100 / (P/E), and may be used in place of P/E as a measure of valuation. EY has the advantages that it is always determinate and can reflect negative earnings. BDEV.L has an EY of 8.60 percent. 

GPE (Growth to P/E Ratio): GPE is another popular measure of stock valuation. It compares earnings growth rate to P/E ratio. BDEV.L has a GPE rating of 2.67. High growth stocks are believed to be able to justify high P/E ratios. A stock is commonly considered to be undervalued when GPE is greater than 1.00 and overvalued when GPE is below 1.00. Unfortunately, this rule of thumb does not take into account the effect of interest rates on P/E ratios. The operative GPE ratio of 1.00 is valid when and only when interest rates equal 10%. With long-term interest rates currently at 3.59%, the operative GPE ratio is 0.13. Therefore, BDEV.L may be considered to be undervalued.

Dividend Information
DIV (Dividend): VectorVest reports annual, regular, cash dividends as indicated by the most recent payments. Special distributions, one-time payments, stock dividends, etc., are not generally included in DIV. BDEV.L pays an annual dividend of 11.90p per share.

DY (Dividend Yield): DY reflects dividend per share as a percent of Price. BDEV.L has a Dividend Yield of 2.29 %. This is above the current average of 1.9% for all the stocks in the VectorVest database. DY equals 100 x (DIV/Price). It is useful to compare DY with EY. If DY is not significantly lower than EY, the dividend payment may be in jeopardy.

DS (Dividend Safety): DS is an indicator of the assurance that regular cash dividends will be declared and paid at current or at higher rates for the foreseeable future. BDEV.L has a Dividend Safety of 83 which is excellent on a scale of 0 to 99. Stocks with DS values above 75 typically have RS values well above 1.00 and EY levels that are much higher than DY.

DG (Dividend Growth Rate):  Dividend Growth is a forecasted annual growth rate of a company's dividend based on historical dividend payments and dividend predictability. It is a subtle yet important indicator of a company’s financial performance. It also provides some insight into the board’s outlook on the company’s ability to increase earnings. BDEV.L has a Dividend Growth of 20% This is above the current average of 1.9% for all the stocks in the VectorVest database.

YSG (YSG-Vector): YSG is an indicator which combines DY, DS and DG into a single value, and allows direct comparison of all dividend-paying stocks in the database. BDEV.L has a YSG rating of 1.2 which is good. Stocks with the highest YSG values have the best combinations of Dividend Yield, Safety and Growth. These are the stocks to buy for somewhat above current income and long-term growth.

Price-Volume Data
Price: BDEV.L closed on Friday, March 06, 2015 at 519.00p per share.

Open:BDEV.L opened trading at a price of 523.00p per share on Friday, March 06, 2015.

High: BDEV.L traded at a High price of 527.89p per share on Friday, March 06, 2015.

Low: BDEV.L traded at a Low price of 518.00p per share on Friday, March 06, 2015.

Close: BDEV.L closed on Friday, March 06, 2015 at 519.00p per share. (Close is also called Price in the VectorVest system)

Range: Range reflects the difference between the High and Low prices for the day. BDEV.L traded with a range of 9.89p per share on Friday, March 06, 2015.

p Change: BDEV.L down £5 from the prior day's closing Price.

%PRC: BDEV.L's Price changed -0.95% from the prior day's closing price.

Volume: BDEV.L traded 2,085,756 shares on Friday, March 06, 2015.
AvgVol: AvgVol is the 50 day moving average of daily volume as computed by VectorVest. BDEV.L has an AvgVol of 3,826,900 shares traded per day.

%Vol: %Vol reflects the percent change in today's trading volume as compared to the AvgVol. %Vol equals ((Volume - AvgVol) / AvgVol ) * 100. BDEV.L had a %Vol of -45.50% on Friday, March 06, 2015

CI (Comfort Index): CI is an indicator which reflects a stock's ability to resist severe and/or lengthy price declines.BDEV.L has a CI rating of 1.11, which is good on a scale of 0.00 to 2.00. CI is quite different from RS in that it is based solely upon a stock's long-term price history. 

Sales / Market Capitalization Information
Sales: BDEV.L has annual sales of 3,468,000,000

Sales Growth: Sales Growth is the Sales Growth Rate in percent over the last 12 months. BDEV.L has a Sales Growth of 25.00% per year. This is excellent. Sales Growth is updated each week for every stock. It is often useful to compare Sales Growth to Earnings Growth to gain an insight into a company's operations.

Sales Per Share (SPS): BDEV.L has annual sales of 3.50p per share. SPS can be used as a measure of valuation when comparing stocks within an Industry Group.

Price to Sales Ratio (P/S): BDEV.L has a P/S of 1.48. This ratio is also used as a measure of valuation. Here, too, it is useful when comparing stocks within an Industry Group.

Shares: BDEV.L has 991,000,000 shares of stock outstanding.

Market Capitalization: BDEV.L has a Market Capitalization of 5,148,000,000. Market Capitalization is calculated by multiplying price times shares outstanding.

Business Sector: BDEV.L has been assigned to the Building Business Sector. 


Industry Group: BDEV.L has been assigned to the Building (Residentl\Comml) Industry Group. 

Telecom Plus Utility Warehouse Share Price 7th March, 2015 - SELL RECOMMENDATION

Telecom Plus - TEP.L is fairly valued compared to its Price of 1,036.00p per share, has about average safety, and is currently rated a Sell

Business: Telecom Plus PLC, together with its subsidiaries, provides utility services to residential and small business customers in the United Kingdom. The company offers fixed telephony, mobile telephony, gas, electricity, and Internet services.

Capital Appreciation
Value: Value is a measure of a stock's current worth. TEP.L has a current Value of 1,100.47p per share. Therefore, it is fairly valued compared to its Price of 1,036.00p per share. Value is computed from forecasted earnings per share, forecasted earnings growth, profitability, interest, and inflation rates. Value increases when earnings, earnings growth rate and profitability increase, and when interest and inflation rates decrease. VectorVest advocates the purchase of undervalued stocks. At some point in time, a stock's Price and Value always will converge.

RV (Relative Value): RV is an indicator of long-term price appreciation potential. TEP.L has an RV of 1.20, which is good on a scale of 0.00 to 2.00. This indicator is far superior to a simple comparison of Price and Value because it is computed from an analysis of projected price appreciation three years out, AAA Corporate Bond Rates, and risk. RV solves the riddle of whether it is preferable to buy High growth, High P/E stocks, or Low growth, Low P/E stocks. VectorVest favors the purchase of stocks with RV ratings above 1.00.

RS (Relative Safety): RS is an indicator of risk. TEP.L has an RS rating of 0.92, which is fair on a scale of 0.00 to 2.00. RS is computed from an analysis of the consistency and predictability of a company's financial performance, debt to equity ratio, sales volume, business longevity, price volatility and other factors. A stock with an RS rating greater than 1.00 is safer and more predictable than the average stock in the VectorVest database. VectorVest favors the purchase of stocks of companies with consistent, predictable financial performance.

RT (Relative Timing): RT is a fast, smart, accurate indicator of a stock's price trend. TEP.L has a Relative Timing rating of 0.83, which is poor on a scale of 0.00 to 2.00.  RT is computed from an analysis of the direction, magnitude, and dynamics of a stock's price movements over one day, one week, one quarter and one year time periods. Once a stock's price has established a strong trend, it is expected to continue in that trend for the short-term. If a trend dissipates, RT will gravitate toward 1.00. RT will explode from bottoms, dive from tops, and reflect changes in price momentum. VectorVest favors the purchase of stocks with RT ratings above 1.00.

VST (VST-Vector): VST is the master indicator for ranking every stock in the VectorVest database. TEP.L has a VST rating of 0.98, which is fair on a scale of 0.00 to 2.00. VST is computed from the square root of a weighted sum of the squares of RV, RS, and RT. Stocks with the highest VST ratings have the best combinations of Value, Safety and Timing. These are the stocks to own for above average, long-term capital appreciation. VectorVest advocates the purchase of safe, undervalued stocks rising in price.

Recommendation (REC): VectorVest gives a Buy, Sell, Hold recommendation on every stock, every day. TEP.L has a Sell recommendation. REC reflects the cumulative effect of all the VectorVest parameters working together. These parameters are designed to help investors buy safe, undervalued stocks rising in price. They also help investors avoid or sell risky, overvalued stocks falling in price. VectorVest recommends that investors buy high VST-Vector, Buy-rated stocks in rising markets.

Stop (Stop-Price): Stop is an indicator of when to sell a long position or cover a short position.  TEP.L has a Stop of 1,057.13p per share. This is 21.13 abovep TEP.L's current closing Price. A stock's Stop is computed from a 13 week moving average of its closing prices, and is fine-tuned according to the stock's fundamentals. High RV, high RS stocks have lower Stops, and low RV, low RS stocks have higher Stops. In the VectorVest system, a stock gets a 'B' or 'H' recommendation if its Price is above its Stop and an 'S' recommendation if its Price is below its Stop.

GRT (Earnings Growth Rate): GRT reflects a company's one to three year forecasted earnings growth rate in percent per year. TEP.L has a forecasted Earnings Growth Rate of 17.00%, which VectorVest considers to be very good. GRT is computed from historical, current and forecasted earnings data. It is updated each week for every stock in the VectorVest database. GRT often foretells a stock's future price trend. If a stock's GRT trend is upward, the stock's price will likely rise. If GRT is trending downward, the stock's Price will probably fall. VectorVest favors the purchase of stocks whose GRT is rising and is greater than the sum of current inflation and interest rates, as shown weekly in our investment climate report.

EPS (Earnings per Share): EPS stands for leading 12 months Earnings Per Share. TEP.L has a forecasted EPS of £0.59 per share. VectorVest determines this forecast from a combination of recent earnings performance and traditional fiscal and/or calendar year earnings forecasts.

P/E (Price to Earnings Ratio): P/E is a popular measure of stock valuation which shows the dollars required to buy one dollar of earnings. TEP.L has a P/E of 17.51. This ratio may be deemed to be high or low depending upon your frame of reference. The average P/E of all the stocks in the VectorVest database is 23.81. P/E is computed daily using the formula: P/E = Price/EPS.

EY (Earnings Yield): EY reflects earnings per share as a percent of Price. EY is related to P/E via the formula, EY = 100 / (P/E), and may be used in place of P/E as a measure of valuation. EY has the advantages that it is always determinate and can reflect negative earnings. TEP.L has an EY of 5.71 percent. This is above the current average of 4.20% for all the stocks in the VectorVest database. EY equals 100 x (EPS/Price).

GPE (Growth to P/E Ratio): GPE is another popular measure of stock valuation. It compares earnings growth rate to P/E ratio. TEP.L has a GPE rating of 0.98. High growth stocks are believed to be able to justify high P/E ratios. A stock is commonly considered to be undervalued when GPE is greater than 1.00 and overvalued when GPE is below 1.00. Unfortunately, this rule of thumb does not take into account the effect of interest rates on P/E ratios. The operative GPE ratio of 1.00 is valid when and only when interest rates equal 10%. With long-term interest rates currently at 3.59%, the operative GPE ratio is 0.13. Therefore, TEP.L may be considered to be fairly valued.

Dividend Information
DIV (Dividend): VectorVest reports annual, regular, cash dividends as indicated by the most recent payments. Special distributions, one-time payments, stock dividends, etc., are not generally included in DIV. 

TEP.L pays an annual dividend of 38.00p per share.

DY (Dividend Yield): DY reflects dividend per share as a percent of Price. TEP.L has a Dividend Yield of 3.67 %. This is above the current average of 1.9% for all the stocks in the VectorVest database. DY equals 100 x (DIV/Price). It is useful to compare DY with EY. If DY is not significantly lower than EY, the dividend payment may be in jeopardy.

DS (Dividend Safety): DS is an indicator of the assurance that regular cash dividends will be declared and paid at current or at higher rates for the foreseeable future. TEP.L has a Dividend Safety of 48 which is poor on a scale of 0 to 99. Stocks with DS values above 75 typically have RS values well above 1.00 and EY levels that are much higher than DY.

DG (Dividend Growth Rate):  Dividend Growth is a forecasted annual growth rate of a company's dividend based on historical dividend payments and dividend predictability. It is a subtle yet important indicator of a company’s financial performance. It also provides some insight into the board’s outlook on the company’s ability to increase earnings. TEP.L has a Dividend Growth of 15% This is above the current average of 1.9% for all the stocks in the VectorVest database.

YSG (YSG-Vector): YSG is an indicator which combines DY, DS and DG into a single value, and allows direct comparison of all dividend-paying stocks in the database. TEP.L has a YSG rating of 1.1 which is good. Stocks with the highest YSG values have the best combinations of Dividend Yield, Safety and Growth. These are the stocks to buy for about current income and long-term growth.

Price-Volume Data
Price: TEP.L closed on Friday, March 06, 2015 at 1,036.00p per share.

Open:TEP.L opened trading at a price of 1,017.00p per share on Friday, March 06, 2015.

High: TEP.L traded at a High price of 1,074.85p per share on Friday, March 06, 2015.

Low: TEP.L traded at a Low price of 1,017.00p per share on Friday, March 06, 2015.

Close: TEP.L closed on Friday, March 06, 2015 at 1,036.00p per share. (Close is also called Price in the VectorVest system)

Range: Range reflects the difference between the High and Low prices for the day. TEP.L traded with a range of 57.85p per share on Friday, March 06, 2015.

p Change: TEP.L up £14 from the prior day's closing Price.

%PRC: TEP.L's Price changed 1.37% from the prior day's closing price.

Volume: TEP.L traded 152,788 shares on Friday, March 06, 2015.

AvgVol: AvgVol is the 50 day moving average of daily volume as computed by VectorVest. TEP.L has an AvgVol of 266,500 shares traded per day.

%Vol: %Vol reflects the percent change in today's trading volume as compared to the AvgVol. %Vol equals ((Volume - AvgVol) / AvgVol ) * 100. TEP.L had a %Vol of -42.67% on Friday, March 06, 2015

CI (Comfort Index): CI is an indicator which reflects a stock's ability to resist severe and/or lengthy price declines.TEP.L has a CI rating of 0.54, which is poor on a scale of 0.00 to 2.00. CI is quite different from RS in that it is based solely upon a stock's long-term price history. VectorVest advocates the purchase of high CI stocks.

Sales / Market Capitalization Information
Sales: TEP.L has annual sales of 680,000,000

Sales Growth: Sales Growth is the Sales Growth Rate in percent over the last 12 months. TEP.L has a Sales Growth of 9.00% per year. This is good. Sales Growth is updated each week for every stock. It is often useful to compare Sales Growth to Earnings Growth to gain an insight into a company's operations.

Sales Per Share (SPS): TEP.L has annual sales of 8.49p per share. SPS can be used as a measure of valuation when comparing stocks within an Industry Group.

Price to Sales Ratio (P/S): TEP.L has a P/S of 1.22. This ratio is also used as a measure of valuation. Here, too, it is useful when comparing stocks within an Industry Group.
Shares: TEP.L has 80,000,000 shares of stock outstanding.

Market Capitalization: TEP.L has a Market Capitalization of 830,000,000. Market Capitalization is calculated by multiplying price times shares outstanding.

Business Sector: TEP.L has been assigned to the Utility Business Sector. 

Industry Group: TEP.L has been assigned to the Utility (Telephone) Industry Group. 

Friday 6 March 2015

Would you like to learn how you can make £5,000+ per month, in a solid genuine UK property busines

 I can show you how, in my next live event at Heathrow on the 21st March, along with several other exciting related topics and opportunities.

The best part is, that you can learn how to do this 
AND find out why people were so excited about
the contents of my last Saturday event, ALL for FREE!

I'll also show you how to get started immediately, in every one of the following business strategies WITH ZERO MONEY!!!

Here are some of the subjects on the agenda:
* How to use the FREE SECRET “cutting edge”
Social Media Marketing strategies that will enable you to:
a) sell any product, b) sell any service c) promote anything
* How to use UK Property to create short-term cash-flow
and long term wealth.
* How to use my own unique strategy to generate
excellent cash-flow from UK property deals.
* How to find investors and JV partners who can
fund your deals, if you have no funds of your own!
* How to get involved in the International property
business and help to sell “Property In Paradise
Millionaires”
* How to get in on the “Biggest BOOM IN HISTORY!”
* How to take your existing business, if you already one,
to the next level using leverage methods that only the
top 5% of business owners ever use.
* How to master 5 simple skills that will enable you to
NEVER HAVE TO WORRY ABOUT MONEY AGAIN!
* How to build an income for life by using Facebook,
Skype and your mobile phone!
* How to develop the strong mindset you need
to make yourself UNSTOPPABLE!

Why am I offering to train you for free?
Simply because I have business connections
and projects, in all the subject areas mentioned
above, and I am looking for a few good people
to work with.

Due to an excellent response to my last event, almost half the seats have already been reserved, but the good news is, if you move quickly, you can join us for just £20 on the door!

Would you like to join me on Saturday March 21st 2015?

I’ll be happy to see you on the day, but you will need to send me a Facebook message, or email me to reserve your seat.

You may need to send me a friend request before
you can send me a message, so here's the link
to my Facebook - hope to see you on there:
http://www.facebook.com/martin.welch2

For further information, or to reserve a seat,
you can email me at: martin@martin-welch.com

Martin
P.S. Remember you can attend this event
for just for just £20 at the door!
However, the price for future events may
be much higher!
P.P.S. These are just a few of the amazing topics
we'll be discussing in this FREE live event.
You need to be there to get the full story!!!

Thursday 5 March 2015

Buying Gold & Silver Below Market Value

I just wanted to send you a quick update and let you know that in 15 minutes, we've jumped from 5 to 9 places gone...
Remember there's only new places for 23 people...
If you can see the opportunity in Gold and Silver and want to profit from this opportunity in the next few years, you need to go and secure your place now by CLICKING HERE...
We're currently filling up at 1 place every 3 minutes...

If you're someone who want's to use a safe, simple, proven investment plan to grow their wealth for a minimum of 5 years, this is perfect for you...
You're going to learn to grow every $10,000 to $139,413.62, withoutGold & Silver going up...
The traditional way of investing in Gold & Silver would mean that you'd only make money if Gold & Silver went up, let's say they go up 3x, that means your $10,000 will turn into $30,000 - a great return for the average investor...
But using our Strategic Wealth Program, in addition to the cash-flow growth I mentioned above, if Gold & Silver go up 3x, your portfolio will grow from $10,000 to $418, 240.86... 
Now do you understand why this is the premium investment strategy of choice for those looking for long term security, a retirement that matches their current lifestyle and a plan that matches their busy schedule (it only takes 20 minutes a month to get these results with the Strategic Wealth Program)...

It's just math, my job here is to show you how to do what we do and then MAKE SURE YOU DO IT...
Just to cover again exactly what you're going to get immediately and going forward into the future once you're accepted:
Immediately (once accepted):
Module 1: Fast-Track Onto The Playing Field
- I’ll hold your hand in a special 26 minute training, by the end of which you’ll be on the field, in the game and ready to profit by the month’s end. 

- You’ll be risking nothing and gaining everything as you practice for real in a live environment and follow along with your first investment as you consume the rest of the training
Module 2: Bringing You Up To Speed, From Wherever You Are
- From 0 to Knowledgable, this module will bring you up to speed, no matter what your experience level, you’ll know as much about Gold & Silver as any “expert” and be able to tell the truth from the rubbish on sight… 

- You’ll know which methods to use to buy, sell or hold Gold & Silver so you don’t get taken in many popular Gold & Silver scams in the market… 

- You’ll get to learn how the wealthy buy Gold & Silver, you’ll know where to buy it to cash-flow, which accounts you need and everything you need to protect your wealth.
Module 3: Buying Gold & Silver Below Market Value
- You’ll learn where to buy, what to bid, how to negotiate so that you’re at-least 5-10% below market every time you buy Gold & Silver… 

- You’ll learn how to judge the market so you get it at the right time, for the best deal and the most profit…
Module 4: Cash-Flowing Gold & Silver, Step By Step
- I’ll walk you through how to cash-flow your Gold & Silver monthly… 

- You’ll know all the rules all the objections and all the steps to take to make sure your months are the most profitable… 

- You’ll also learn to create a consistent, never-ending stream of cash-flow for as long as you hold the Gold & Silver…
Module 5: How To "Do It", All
- You’ll follow me along as I take you click by click through every inch of the process, by the end you’ll know exactly what you’re doing, how to do  it, when to do it, what to do if something goes wrong and everything about the execution of your investing…
Module 6: Growing Your Gold & Silver Fund, For Free! 
- You’ll learn how to effectively compound to get the best ROI… 

- You’ll learn to take advantage of ALL compounding opportunities that might show up in places you’re not looking… 

- You’ll learn to manage your funds right to end up with the largest Gold & Silver fund possible…
Module 7: Hyper-Compounding Your Returns
- You’ll learn how to tie it all together so that it just works without effort, without constant adjusting and constant management… 

- I’ll walk you through leveraging your ROI so that you can compound faster and better and bigger with the same money…
Module 8: Your Action Strategy For Fast Results
- I’ll give you a blueprint of what to do to get started fast, I mean opening accounts, getting the money investing and generating the ROI… 

- You’ll have everything you need to go make this investment profitable, overnight!
I've been teaching for 9 years and Gold For Life in it's current form started in December 2010, clearly we've spent all that time up to now constantly perfecting and simplifying and making sure we give you exactly what you need to get results, our constantly flowing client success stories proves that...

By deciding to enroll today, you're joining at the BEST time, this is the BEST our Strategic Wealth Program has ever been...
Here's what you're going to get ongoing, like the other clients of our Strategic Wealth Program have been getting since December 2010: 
Live Weekly Q&A Calls - No ongoing charge.
- I will be on the phone every single week (making allowances for travel) where you and the rest of our clients around the world can ask me what next action to take, what I would do and what you should do...
- I'll be there to hold your hand and guide you if needed as to what action to take, not in theory, but LIVE in response to the market... 
- You get these for as long as you need them... We still have people from December 2010 coming and attending the calls... 
Clearly, with our 92% success rate, when the industry average in investment education is 3% - 8% shows that we've mastered the element of coaching which messes most people up...
The part where you get the support you need and we make sure you take the actions needed to get the response, not just for "the next 3 months" like most programs, but I'm talking about for the next few years...
Not to mention, there's these bonuses you'll have access to as well:
Student Only Blog
- I'll keep you up to date on the latest books to read and ideas to think about, this is journey and through the Student Blog I get to bring you into my mind and show you what I'm looking at, whether it's an investment or just an idea on life... 
How To Read Charts In 15 Minutes Or Less
 - In this training I show the secret shortcuts to reading charts in no time at all, once you go through this, in addition to the training inside the main modules you'll be able to, like I do now, just "glance" at a chart and know instantly what action to take...
20 Minute Management System
- This training will help you "structure" your management so that once you've been through the modules and have an understanding of the strategy, you know how to do it all in under 20 minutes a month, this is vital for time freedom. 
Setting Up Your Accounts, The Right Way
- Setting up a broker account, a charting account or your virtual account the wrong way can hinder your progress by days, weeks or months. This short training will give you the key points to make sure that it's done right the first time so you don't have to revisit it and just get to making money, fast... 
Mastering The Psychology Of Long Term Investing
- In this training, I bring one of my friends who runs a mindset training company to identify the key tools and techniques to use to maintain a psychology for long term investing. We talk about how to manage your natural greed/fear instincts, how to manage your emotions, manage anxiety given by others while investing and lots more on exactly what to do to keep your mind focused on generating the result...
Can you see why with all these tools, we have success rates that beat every other program... 

Do you understand why this is the premium investment education choice for people who want a safe, simple, long term investment plan...
Can you feel why we only attract great people into our community and we're the best at helping strategic investor's get what they want?
We give you what you need to get the result, not what you think you want.
As you can see we've clearly thought this through, you're getting everything, right from opening your account all the way to managing the mindset it takes for successful investing...
My job is to make you successful and getting results fast, so if you're someone who wants that for your money and your wealth...
Plus, if you don't make 1% cash-flow every month on your initial investment for 6 months, you get your money back...
That's not to mention the fact that we have our Results Financing Option (read more here) where you're paying the majority of your tuition AFTER you make £100,000 or $150,000 of profit with what we teach you...
When you go and enroll today, you're not enrolling into something a "stranger" is asking you to "bet" on, this is being relied upon by people in 20 countries right now, we're well past the "will this work" stage, we're at do you want this to work for you?
I'd be delighted to help you implement this, just like I have for all our other clients, go start the enrollment process here now.
You've watched the webinar, proven to yourself that you can do this, and you know this form of simple, safe, long term investing will generate huge profitable results for you...
That's why you're smart to want to implement a long term, reliable, investment strategy into your wealth building...
So go do it, enroll here with all that confidence and I can't wait to work with you and help you implement...
Minesh Bhindi
P.S. The 20 countries our Profit Through Gold And Silver program is currently being used in to generate results right now: 
Austria 
Australia 
Bermuda 
Canada 
China 
France 
Ireland 
Scotland 
Spain 
UAE 
UK 
Venezuela 
USA 
Bahrain 
Germany 
Hongkong 
Mexico 
Norway 
Singapore 
Bahamas 
Are you in one of those countries? Or are you going to add another onto the list for us and our growing family of strategic investors?

Monday 2 March 2015

Taylor Wimpey and ITV set for profits boost...

Home-building group Taylor Wimpey will reveal the impact which the housing market recovery is having on its performance this week, while ITV will also update investors. 
Taylor Wimpey to reveal annual results 
Analysts in the City hope to see a sizeable jump in the profits of Taylor Wimpey. 
With the firm due to report its results on Tuesday, it is thought in some quarters that pre-tax profits could be 68% higher, at £451 million. 
The company is building more homes at higher values, as a result of the improving property market. 
It recently reported that it completed construction work on 6% more homes last year, compared to the situation back in 2013. 
Its average selling price was 12% higher, reaching a level of £213,000. 
The UK housing market performed particularly well during the early stages of 2014, with the state-backed Help to Buy scheme boosting activity. 
The pace of growth eased towards the latter stages of the year, as measures such as the Mortgage Market Review were introduced to prevent the emergence of a new housing bubble.
But the Chancellor offered a further stimulus by reforming the Stamp Duty system as part of his Autumn Statement package in December.
According to Taylor Wimpey, this move should “help more home-buyers to get on to and move up the property ladder”.
The group has also announced that its order book encompasses 6,601 homes.
It said that this is the “optimum size” which it can achieve at this stage in the business cycle.
A £250 million dividend for shareholders is expected this year, along with a £50 million special dividend. 
While the company came close to collapse during the economic downturn, it has since recovered, with low borrowing costs, Government support schemes, and improving economic conditions all playing their part. 
ITV enjoys advertising boost 
Broadcasting giant ITV is widely expected to post stronger annual profits and advertising revenues this week. 
Despite seeing its audience numbers slip, a relatively upbeat trading update is anticipated from the group this Wednesday. 
A 17% improvement in adjusted pre-tax profits, to £682 million, is now widely expected in the City. 
Downton Abbey and The X Factor are among the broadcaster’s flagship programmes at present. 
Over the 10 months to the end of October 2014, the group said its channels saw a 5% dip in their share of viewing, to 21.8%. 
The viewing share for the main ITV channel was 4% lower during the period - to 15.4%. 
The football World Cup in Brazil during the summer was among the factors which drove net advertising revenues up by 6% during the first nine months of this year, however. 
Over the full year, it is expected that advertising revenues will go up by 5%. 
Looking ahead to the coming year, analysts have suggested that it will be much harder to forecast advertising revenues, in light of the Rugby World Cup, and the general election in May. 
ITV has invested more money in original content in recent times, in order to reduce its exposure to the advertising market. 
For instance, it has purchased production firms behind programmes like the Graham Norton Show. 
By investing in this area, ITV can then sell its original content to broadcasters in foreign territories. 
The firm has previously revealed that its ITVBe channel has made an encouraging start since it was launched back in the autumn. The channel caters for a young female audience.

Bridging Wales - Business Networking in Cardiff, Newport and Swansea...



Welcome to Bridging Wales


Bridging Wales was formed by a group of like minded business 

owners who like the idea of a come and go as you please 

networking event held the same 

time every month.


With events in Cardiff, Newport and Swansea every month
there is no excuse to miss out!
Cardiff and Swansea Simply turn up buy a tea or coffee and
network, if you bring a banner you can present for 60 seconds
on your product or service.
The Newport event is held in a pub so feel free to have a glass
of wine or a pint.
These events are all about building relationships with other
 business owners.

Dates for your Diary


Cardiff     - Thursday 5th March
Newport  - Thursday 5th March

Swansea - Friday 20th March


Newport

The Lamb
6pm - 8pm
1st Thursday
every month

 


Cardiff
The Vale Hotel
9.30am -12noon
1st Thursday
every month

 




Swansea
Cafe Fresco

10am-12noon
3rd Friday
every month