There are still many opportunities to be had in the UK property market, assures Manish Chande, Clearbell Senior Partner and experienced investment expert. 

Amid reports of overheating in the south-east, he advocates that the smart thing to do is look further afield. He explains that the UK property market may be pausing for breath after the sustained period of recovery following the global financial crisis. However, he notes that the continued under supply of properties in many rental markets, particularly outside London, is likely be experienced for some time.

Chande is an authoritative voice on these matters. Alongside his current role with Clearbell Capital was previously a board director at Land Securities.

There’s a clear regional element to consider in the current UK market, he explains. On one hand, a softening in the market may bring forward mispriced opportunities in London. Meanwhile, the yield spread between prime and secondary in the regions remains three times the levels in the six years preceding the 2008 crisis.

The north of England is likely to be a key growth area, believes Chande. Rather than writing off real estate across Britain, smart investors will be looking for opportunities across the country’s regions. The north is fertile ground for this, with attractive valuations that he believes have a good upside potential. Government funding continues to flow in for transport and infrastructure, and this should soon translate to significant improvements.

With this in mind Chande advises investors to look to the past for future growth. As transport links with London, and other cities in the north improve, he expects to see the number of companies moving to the regions increase. Now is the time to plan for this growth, snapping up well-located office space to cater for new businesses and their staff. 

The area’s industrial heritage, particularly warehouses, are ripe for regeneration. Following the mould of successful projects outside of city centres such as Salford Quays and Liverpool Docks, large industrial buildings can bring significant opportunities. The combination of large square footage and their easy commuting distance from population centres make them particularly attractive.

Under Chande's leadership, Clearbell’s approach is to capitalise on these types of untapped pockets of real estate with clear potential. Its current investments are varied in nature and include offices, warehouses, residential property, industrial facilities, retail outlets and hotels. Chande advocates an intense approach to asset management, where the goal is to unlock value throughout the life of the investment.

And it seems the investment vehicle is an attractive prospect. Clearbell’s recent launch of a real estate fund brought of £400 million in equity and £100 million in co-invest, mostly from pension funds, endowments and high net worth individuals. Chande notes the spread of investors in this fund was particularly diverse, bringing interest from the US, Australia, South Africa, the UK and mainland Europe.

This highlights a new phenomenon says the expert, as institutional investors continue to focus on real estate. This is mainly because they are being fastidious about their choices and favouring experienced fund managers with a long track record. With three decades of successful projects and an impressive return under his belt, Chande would seem an obvious choice.

Find out more about Manish Chande below.

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Whether you are exchanging money to buy a property abroad, for a holiday or to send funds to a family member in another country you want to secure the best deal. Doing so will save you a lot of money. Plus, of course, using a good currency exchange firm will save you a lot of time and hassle as well as give you peace of mind.

Over the years, the currency exchange markets have changed. It used to be a service that was designed primarily to suit big businesses that were exchanging vast sums of money on an almost daily basis. Today, private individuals and small businesses also regularly exchange money. Therefore, thedemand  for  money transfer is now huge, so more companies are now providing this service.

The fact that more firms have entered the market means that the cost of changing money has fallen drastically over the past few years. Consumers no longer have to pay high bank charges, because they now have a choice of currency exchange providers.

However, to get the best deal you still need to be prepared to do some research, and shop around. Here we explain the best way to do so.

Only consider using properly regulated providers

It is important to use a firm that you can trust. Unfortunately, there are a lot of con artists out there, including some that masquerade as money exchange firms.

Before considering using a firm, first check that they are properly regulated. Look on their website to find out which financial body they are registered with. Then go to that regulators website and check that the currency exchange firm you are thinking of using is actually a genuine member of that regulatory body.

If you want to use a UK based company, you will need to check that they are registered with the Financial Conduct Authority (FCA). You can do that at this link.

Always get a quote first

Once you have found a suitable firm take the time to get a quote. This will tell you exactly how much the transaction will cost.

Double check the fees

However, be careful. Do not simply choose the cheapest quote and make the exchange.

Some firms offer a good exchange rate, but it is cancelled out by the fact that they charge high fees for their services. For this reason, it is important to double check exactly what is included in the price you have been given.

The best firms will provide a detailed quote that includes a full breakdown of their fees, taxes, and the exchange rate that will be used.  If the money is being sent to a bank account, you also need to factor in any fees that the receiving bank will charge.

The bigger the sum of money you are exchanging the more important it is for you to check all of these things. With this type of transaction, even a small difference in the exchange rate can add up to hundreds, or even thousands, of pounds.

Following the steps outlined above, will really help you to secure the best possible currency exchange deal.

Business owners often have a difficult time securing the financing required to start and grow those companies. While some turn to their loved ones and offer investments within their companies, others look for other ways to finance their ideas. Even after launching your own business, you may still need some additional help. Financing can help you cover the paychecks you owe your employees, the bills that keep coming in and even the utilities needed for the daily operations of your business. The best financing options can help you when starting your business or helping it grow.

Invoice Advances

Invoice advances are cash advances that you take out against future goods. With traditional sales methods, you accept payments from customers and deliver goods after receiving those payments. If you experience a faster amount of growth than anticipated and cannot keep up with the demands from your customers, invoice advances can help. Investors essentially give you money that you can use today to pay for those goods with the agreement that the investors can take over your invoices if you cannot pay back the money borrowed.

Microloans

You may find yourself in need of cash to cover your payroll financing, utility bills or another amount that you cannot pay. Some companies will offer you the cash that you need with some form of collateral that you put up such as a piece of property or the rights to sell a product that you offer. You can also cover your payroll with a microloan. A microloan is a smaller loan than you might get when going through a bank or traditional lender. Some sites actually let you seek loans from multiple people and use an online system to pay back your lenders.

SBA Loans

The Small Business Administration is an organization in the United States that offers loan programs for American citizens who own some type of small business. You can request a loan once you open your business or when you need to secure funding in your early days. Instead of giving you a loan, the SBA will secure the loan that you get from a traditional bank or lender. The SBA will essentially agree to cosign on that loan and cover the loan if you default. Even if you have a lower credit score, you may qualify for one of these loan programs.

Crowdfunding

One of the top ways for new companies to get the financing they need is through crowdfunding. You've probably heard about sites like Kickstarter and how individuals received thousands of dollars or more from those sites. When you create a profile, you can upload videos, share details about your business and even include images of your products. Those using the site can donate as little as a few dollars to more than $1,000 to help you reach your financial goals. Several companies used these sites to great success and secured more than $1 million.

Business Grants

The problem with borrowing money from the SBA or taking out a traditional loan is that you must pay back that loan plus the interest charged by the lender. With a business grant, you'll receive money that you can use for start up or operating costs that you do not repay. Though the SBA offers several grants, you'll also find grants available from private sources. Many of these grants are only available to minority business owners, including women and African Americans. Most programs require that you submit an application, a proposal and a full business plan that shows how you will use that grant money.

Presales

Another popular way of securing financing for a new business is with presales. This is especially helpful for those who have a great product but do not yet have enough cash for the manufacturing of those products. You give customers the chance to make a down payment or pay the entire amount of that product with the agreement that you will ship that item as soon as possible. Tesla actually used preorders during its early days and is now a top auto manufacturer. Presales can help you raise the capital needed to get your products in the hands of customers.

Whether you need cash to cover your operating costs, the paychecks of your employees or even the cost of manufacturing your goods, there are a number of financing methods that can help. Consider grants and loans from the Small Business Administration, presales, microloans, crowdfunding and other financing options.

Betvictor bonus

By Pete | @kingpetey | 03 May 2016

BetVictor , that was formerly known as Victor Chandler is a name associated with gaming in the United Kingdom and many individuals go to their site daily, keen to get the best marketplace for their preferred event.  They are so dominant   in the betting market and are known to give a very good offer to new players. This Betvictor bonus offer comprises a free bet to all new individuals of up to the value of £25 to use on sports betting after they make their very first bet with Betvictor. The value of one’s free bet must match the first bet they place on sports of their choice that are offered on the site. There is no promo code that is required.

Conditions for one to begin betting on BetVictor, are amongst the following:

  • Open an account with the site giving their personal details, and deposit at least £25. This process only takes a few minutes.
  • Make a bet of £25 in any game of their choice making sure that their odds are evens or even greater.
  • After the first bet, the site matches that bets value up to £25. The amount is deposited into one's account within 2 days.

BetVictor has its own terms and conditions which are available on the Betvictor website. The most important of the terms and conditions is that one must make their first bet at least within 30 days after opening their account. Not doing so will lead one to lose their bonuses for all the bets they make. 

Withdrawal of bonuses is not done at any time. The bonuses remain in an account separate from their real balance. Any winnings are transferred immediately to the winners account and can be withdrawn once one has bet four times. Qualifying bets usually receive at least 100% free bet bonus and up to £25 Promo Cash. The stake amount can however not be withdrawn.

BetVictor has other bonuses they offer which include Games, Casino, slots and also Live Casino.

Remodeling your home is a long, tiring, stressful, and often expensive process. I remember growing up, we lived with the same early 1980s appliances, carpet, couches, etc. well into the late 90s simply because it was too much work, required more time than either of my parents could spare, and cost money they’d rather spend on other stuff (probably bills and food now that I look back). These are all things that prevent people from remodeling their homes. My family was comfortable and it wasn’t until we saw our neighbors homes that we realized it was time to remodel. It wasn’t easy and took over a year, but by planning correctly and being smart, we were able to do it on our limited household income. If you want to make some changes here are some things we did that could possibly help you as well.

  1. Make a schedule with prices and priorities.
    If you are doing a full home remodel, there are going to be projects on top of projects. Make a detailed list of everything that needs to be done and put your priorities at the top. For example, it was much more important for my mom to remodel the kitchen before the guest bedroom. The kitchen is also one of the more expensive rooms to remodel, so it’s a great place to start.
  2. Set a date to start the remodel and save everything you can until that date arrives.
    As mentioned above, remodeling is not cheap! It takes some serious saving if you want to update everything. If you have your list of priorities, it’ll give you an idea of your budget and how much you’ll need to spend. Whatever you think you’ll spend, add some more on top for unexpected expenses.
  3. Shop around…. A LOT!!
    When making big purchases like new appliances, carpet and furniture, explore your options. You can get a base point to start with at AO.com. They have great deals from Groupon  on appliances and furnishings to show you what to expect. When you are carpeting, see what kinds of guarantees different companies offer, installation fees, and other incentives that might lower the price in the long run. Remember, these will be there until the next remodel so be sure you like them!

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