An investment opportunity in Saltash

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As many of you are aware, I am in the process of trying to find a buyer for our home in Saltash, Cornwall. The move has come about due to having to move for a new job as originally we had planned to spend some time in Saltash. Now me being me, I have been hard at it, promoting the house all over social media and the web. Through doing this the one question I get asked a lot is, would I rent it out?

Renting Potential

Sadly I have had to answer no every time, as we are looking to buy straight away in Wiltshire and don’t have enough money to have two mortgages on the go. The number of people approaching me about rent (after all my social media posts have been about selling) was to me, phenomenal. I was quite surprised about the number of comments and messages I have had to be honest and if things were different I might have considered it.

A chance for an investor to make money

This is why I think that our property would be ideal for an investor as well as someone looking to do a buy to let mortgage. After looking around the area, there doesn’t seem to be many if any, 3-bed properties in the town of Saltash for rent. The house is well priced, there isn’t a lot that needs doing to it and would quickly start paying itself back. On our street there are other properties that have been purchased by investors, who have managed to fill their houses quickly with tenants and with the price of the house being so low, it surely has to be tempting to someone reading this.

Lets support each other

If anyone were to buy our house with the view to renting it out, I would be happy to pass on the contact details of all the people that have enquired with me about renting it out. I would love to work with someone to help their dreams come true as well as ours, I would love the sale of the house to be beneficial to everyone.

So if you have money sitting in the bank, are bored of watching it do very little and want to make some money out of it, then look no further than our home on Warfelton Crescent. Click the link below to view it for yourself and be sure to arrange an appointment with Maitlands our Estate Agent to come and see it.

http://www.zoopla.co.uk/for-sale/details/42064399?search_identifier=0ef70456629a14ec4db41ae4ba927010#mKmrGOSjDRgC8cOB.97

Trying to promote something for Plymouth

As I have blogged about in the past, I am currently helping out with a company called Plymouth Wrestling Association. This April on the 17th we have our biggest show of the year, featuring a main event that will see a world title defended for the first time in Plymouth and the first time an active world champion has come to perform in Plymouth. This I believe is big news for the city and a history-making event.

Sadly so far the press has been slow to respond to it. My motivation for wanting everyone in the city to know about this event is not just about numbers through the door, it is about getting big events, big stars and history making nights happening in the city of Plymouth more regularly. Without the support of the press and the people, this will not happen.

Growing the entertainment scene in Plymouth

I am proud of the city and to be part of the city. I want the entertainment scene in this city to be vibrant across all ranges of entertainment. I want to be able to go on the Internet and find interesting things to do in Plymouth every night, not just some nights. I think sometimes people just expect things to happen and to keep on happening, but the problem is they wont without our support. This is why I do my best where I can to support and attend events happening in our community.

Wrestling may not be your cup of tea or you may not know anything about wrestling but I assure you, if you give us a chance and come to our show, you will go home after being thoroughly entertained. For our show at the Plymouth Guildhall on the 17th of April not only are we bringing in world champion Drew Galloway but we are also bringing in the best wrestlers from around the UK. The caliber of talent on the show will not be matched anywhere else in the city or the surrounding areas.

A big investment for Plymouth

Unlike a comedy night or a concert where there is just one or a few entertainers this show will feature 15+ entertainers and you get this all from £10 a ticket, which is extraordinarily good value. The show is a big investment to put on for the city and is coming out of the pockets of Plymouth people to do it, so I would love people to come and show their support for the efforts that local people are putting in.

At Plymouth Wrestling Association we want to be a company the city can be proud of. We want to bring regular, affordable, entertainment to the city, which is produced with excellence in mind. We are proud of the city we are in and we hope to be a company that the city continues to be proud of.

To find out more about Plymouth Wrestling Association and to buy tickets to our super show go to: www.plymouthwrestling.co.uk

Save yourself rich

This week in the UK as part of George Osborne’s Budget, a new ISA called a “Lifetime ISA” was launched. The new ISA would enable you to get a 25% bonus on everything you saved up to £4000 a year. So you can get an extra £1000 per year in your account plus interest, from next April until you are 50. There are of course a few bits of small print, the big bits of which being that you only get these bonuses if you use the money towards a house purchase or your retirement.

My wife went through the numbers and projections last night and if we changed the way we saved and kept to the plan she made, we would have a very nice nest egg for retirement through this scheme. The thing about this new ISA is that I can’t think of any other savings method that is completely risk free that would give you a thousand pounds plus interest for a £4000 contribution.

What you save not what you earn

I am a big believer that life isn’t about how much you earn it is about what you spend and what you save. The amount of money you earn only makes you rich if you use it wisely. My wife and I make a great team for many reasons but one of them is because I am good at getting good deals and finding things for very cheap prices and she is great at saving, planning and budgeting. The combination between spending and saving is so important; if you do both well, you will have a great financial future.

I think when looking at savings, the important thing to do is to not look at the amount you are saving this month and how much money you make on your savings this month. You need to look at what the numbers look like if you keep saving that amount per month for 10 years, 20 years and so on. It is the numbers you will see then that will give you the incentive to keep on investing your small amounts every month. It’s like looking at your monthly direct debits, if you manage to get a new phone contract that is say £10 less a month than your current one it may not seem much, but if you look it over the two years of the contract that’s £240!

Working for you

Always make your money work the hardest it can for you – I hate this terminology but it is very true. Look at what savings options are open to you and pick the best ones for your needs. We are always being encouraged to shop around for best deals on insurances, energy and so on but it is also important that you shop around to find the best savings avenue for you.

Before this week I thought saving for retirement was impossible and that we would have very little but now with this new ISA and a plan I know in later life we will live a nice comfortable life.

A special day

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I recently surprised my wife with a day out in the county we live in, which is in the south west of England called Cornwall. I thought long and hard about the types of thing she would like to do and planned an itinerary for the day, to try and give her the most fun day possible.

I think it is important when you are in a relationship to stop and do things like this from time to time. There are many tasks and activities in day-to-day life that can take up your time and take your focus away from your relationship and your loved one. So every chance we get we should make time for our loved ones and put them first. There is nothing like making someone feel loved and feeling loved by your partner.

Investment

I think one of the best investments you can make in life is in to your family and I for one am going to try and invest as much as I can in them. The more you invest your time, energy and money in to other things the stronger they will become and the weaker your family will be. I think when you are doing things in life you should always keep your family in mind. You might not always have the same job, the same friends, the same house and the same amount of money but if you invest in your family you will always have a strong unit to fall back on for love and support.

In life sadly there are too many people who never put anyone else first. I think it is important if we are to be a caring and loving society to have more people who are willing and able to put others first. We need more selfless acts carried out in this world, where people do nice things without wanting anything in return.

Creating memories

By having a day away with my wife doing things we wouldn’t normally do, we created memories and instead of it just being a run of the mill day we will always look back on it with fondness.

I am blessed to live in such a nice, picturesque county but the trap I fall in to like many others is – not taking advantage of it. We are one of the top holiday destinations in the UK for tourists so I think we should get the best of it too. Going on holiday or having a break doesn’t have to be about getting aboard a plane or heading for some exotic location. To me a holiday is just time away from the home to enjoy, relax and recharge.

So lets try and make as many days in our lives as special as we can.

When was the last time you helped someone?

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I think helping someone is one of the greatest acts of kindness you can perform. Doing something to help someone else is like making an investment. By helping someone you are giving something to improve something. Time is an asset we all have and time is something we all have the power to give away.

So many people go through their day without helping anyone, which I think is quite sad. Giving help doesn’t have to be big, it can be as little as just stopping in your car to let someone cross the road. The great thing is that anything from the smallest act of kindness to the biggest can gain the same reaction…a smile.

Change the world

The one way that nearly all the human population has at their disposal to change the world for the better is performing acts of kindness. Sometimes the world seems so out of control and you can start thinking ‘well what can I do?’ Acts of kindness are something we can all control and although we can’t control what will happen after the act of kindness, I truly believe the more kinder we become as a world the more change we can make.

Whether you realise it or not, most of us in this world will be on the receiving end of acts of kindness in our lifetime. I believe it is so important to be aware of this and use this knowledge to sew acts of kindness back in to others. Sadly too many people are too blind or too egotistical to acknowledge the kindness they have received and believe that they achieved everything they have in their life by themselves.

Building communities

One thing kindness builds is communities. When we go out of our way to help those around us, relationships are built and togetherness is formed. An act of kindness is an investment in to the lives of others. If you want to improve your community, you have to get involved in it, you have to be the one to start being kind to others for that kindness to start rubbing off on others and a kindness snowball can start to grow.

So my word of advice for everyone out there this week, is to not let it go too long since you last helped someone, the longer that time builds the less effective you are being in the world. Recently I was on the receiving end of amazing kindness when people backed my book project financially, to help get it released in print form and I am determined to pay that kindness forward.

How social media has blurred and damaged relationships

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How much time do you spend talking to people online? How much time do you spend looking at peoples pages and feeds? When scrolling down your newsfeed to do you linger longer on some people’s updates more than others?

I think these are all important questions, that anyone using social media needs to ask themselves. For many people the real world isn’t enough and social media is treated as another life for them, which they think is better than the real world away from Facebook, Twitter and Instagram. Some people now look forward to getting on social media more than they do spending time with those around them.

Constantly logging on

I use social media and I am the first to put my hand up that I use it too much. I tend to however just use it for promoting things and sharing news, rather than talking to people on it. I think it is dangerous when you are constantly logging on to see if you have a notification and to see if someone has messaged you back. I get how it can be exciting, but when we start thinking that it is more exciting than what’s happening around us, I think it is a very sad place to be.

When you start your day thinking of something to say to someone on social media that is not communicating or having a conversation, as real conversations should come easy with real friends. Conversations shouldn’t be about just saying something to get noticed and that’s what I think social media is at times – a place for attention seekers wanting to be noticed.

Getting carried away

I think for some people it is too easy to get carried away on social media and let their thoughts get carried away. Sometimes I think people try to hard to get peoples attention and misinterpret feelings when someone pays them attention. People think it is ok to get carried away, as it isn’t real life and they may not ever meet the people they are talking with. I think it is important to always try and read the signs on social media when someone might be paying you too much attention or when you are paying someone too much attention and be wise enough to do something about it.

When social media is getting in the way of work or home life, I think your use of it is out of balance. My message for anyone who uses social media is – don’t take your home life for granted, just because it is always going to be there don’t treat it like it’s not the most important thing.

Secretive

If you are secretive about your use of social media, or if you only use it when away from your friends and family then you need to start asking yourself why you do this and you need to be honest with yourself.

In this modern age I think social media is the biggest destroyer and creator of relationships. We need as a generation to be able to build relationships and keep relationships without social media. Social media should be treated as another way to communicate and we should behave in the same way as we would with human interaction. When you spend more time talking to people on social media than off it, I think life is out of balance.

Don’t let yourself be fooled in to thinking life is better on social media than it is away from it. The most important investment you can make is in those people around you, those people who are in your life and those that you don’t just talk to on social media.

You succeed when you help others succeed

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One thing I can’t stand in life, is when I see people who are deliberately trying to stop other people from succeeding. If you work for a company or as part of a team, at some point or another to achieve success you are going to need the support of others to succeed. Sadly, in most endeavours it’s not just about what you do and how you act that will determine how successful you are.

To get ahead and stay ahead it seems that most opt to try and keep others down and go out of their way to make sure that others don’t succeed. This can be done in many ways, from not supporting someone, not sharing information with them, keeping ideas to yourself, criticising them and talking badly about them to others.

Dismissive People

The problem with people who act in these ways is that they think they are better than others, but they don’t know if they truly are or not. These types of people don’t look objectionably at someone or their work; they just dismiss them and their work. Most of the time this will be before even looking at what they have done as they have already decided they are going to try and find holes in it.

If people stopped to help others and talk with them, not only would they help them but I think they would learn a thing or two, which will help them succeed in the long-term. By stopping others from succeeding you are just getting in your own way. The people around you can have lots of experience and ideas that you can benefit from, they are a resource so lets be sure to use them.

You will learn more from others around you in life than you will from most other sources. Sharing their ideas, energy and enthusiasm can help you achieve so much in and out of work. Other people will help you think in different ways and share experiences that you may never have yourself, but if you all do is criticise them they will probably be reluctant to share all these things with you.

Invest Your Time Wisely

If people invested more of their time in helping others and themselves than they did in criticising and stopping others then they could be even more successful than they ever thought possible. People think stopping others succeeding is a sign of strength but I think it’s the biggest sign of weakness.

If all you do is constantly criticise then with every word of criticism that comes from your mouth the less impact it will have. If this is all you do, people will soon stop listening to you and you might as well just be talking to yourself.

Thinking of Others

Are you willing to put the success of a project or a company above your own issues and problems? I think most people in a professional sphere are judged by the projects they have been involved in and most companies are looking for people who put the good of the team before themselves. So just from an employability standpoint alone, it makes sense to help others working on the same project as you succeed, because if they succeed hopefully the project that has your name attached to it will.

If I ran a company I would want each and every one of my staff to succeed, because I know if they were succeeding my company would succeed with them, as success breeds success.

I think if you are in a position of power it is important to make sure that you discern who around you is trying to succeed and do all you can to help them. It is also important to discern when criticism levelled at people is unjust criticism and do all you can to help and support those involved, from the one doing the criticising to the one on the other end of it.

Getting Ahead

Never forget when whilst you are criticising someone, someone else somewhere is investing that time in learning more, gaining more skills and improving themselves. I know what I would much prefer to be doing. I’ve never seen a job advertised with criticism in the title or criticism of others being a required skill.

People who just criticised never changed the world but people who were brave enough to do things and try things did. Lets not let this be a race to the bottom with whoever can bury someone the deepest winning, lets make this a race to the moon.

Are businesses ruining the name of crowdfunding?

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Over the last year I have grown quite tired of seeing companies and businesses asking their fans to bail them out of bad financial positions and using crowdfunding as their vehicle to do this.

Crowd funding websites and services, like Kickstarter and Crowdfunder, have led this growth market, that sees people pledging money to support projects and ideas that they are passionate about:

https://www.kickstarter.com/

http://www.crowdfunder.co.uk/

I think these services are great for people or organisations that don’t have the resources to accept their own donations and have no other way of raising money. I love going on these sites and seeing people trying to gain support for ideas they are passionate about, people that are trying to make something happen and aren’t letting their dreams or ideas go to waste.

Crowdfunding to save a business

The one thing I detest though, is when I see established businesses who have fallen on hard times who use crowdfunding just to stay afloat. These organisations ask their customers, supporters and fans who have paid in to their organisation for years by consuming their products or services, to then hand over even more money, just for the privilege to continue paying for their products or services.

These businesses, when they ask to be bailed out by supporters are normally ran and owned by people, who have a better quality of life and are in more privileged positions than the people they are asking to put their hands in their pockets. In these situations they are asking for more loyalty from their supporters, but yet these supporters haven’t been treated with any loyalty by the business.

It would be one thing if the business asking for money were offering you the chance to fund something tangible, like a new building or a new scheme but to simply say we have run our organization badly, have got ourselves in to debt and now want you to pay it off is staggeringly poor. If I were to get myself in to debt, I couldn’t set up a crowdfunding page asking members of the public to pay off my debt that I incurred through poorly managing my finances.

Abusing loyalty

I also take a dislike to when social media campaigns start up saying something along the lines of save our organisation, club or company. The way to have save it would have been to run it better in the first place, the horse has already bolted on the easiest way to save it.

If you are a for profit company, you should live or die on the strength of your business and your plans. As a business you shouldn’t let yourself get in to a position where the only thing that can save you is the public’s generosity.

Charities – the original crowdfunders

If you are looking for the public’s generosity to survive, you should be running a charity not a business. Charities are the original crowdfunding platform and have been doing crowdfunding even before anyone had the term crowdfunding. That’s why I love charities and happily donate to them, as by donating you are supporting a cause that you feel passionately about and are doing something to help that cause. You give, knowing that your money is going to fight a battle that can’t be supported in any other way and that the organisation aren’t just using your investment to generate profits for people.

I would implore crowdfunding services to stop businesses using this source of moneymaking to get them out of financial problems. I would also like to implore the businesses themselves to look at other ways of raising capital to get themselves out of trouble, rather than take money away from projects and ideas that could really do with the support.

Support

If you have the spare money and you feel the urge to crowdfund something, please go on to one of the many crowdfunding sites that are out there and find something that inspires you to support. By doing this you can make sure your money is going to help make someone’s dreams come true and that you are investing in something new that you want to see happen, done by someone that couldn’t make it happen in any other way.

What do you trade your time for?

Over the last year it has really hit home to me, that we spend our lives here on earth trading our time for other things. There is very little we can trade to get more time on earth, so the best thing we can do is make the best trades we possibly can, with the time we have.

Some of the most common things we trade our time for, are money, education and family. During the week we spend most of our waking hours either at work, raising a family, or in school, college or university. For many people there are a million and one other things they would rather be doing, but have traded their time in this way in order to get an education (which will help them later in life), money to pay bills or raise their family.

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Time is a commodity

I think time is a very precious commodity that you can’t put a price on, but yet I think many people make bad trades or trades they aren’t happy with. I think it is only when you understand how precious your time is that you really start looking at the trades you make.

Trades can involve making short-term sacrifices in order to obtain a long-term goal, but I think it is important not to make a long-term sacrifice, as time is something you can never get back. There is nothing wrong with making sacrifices, as long as you know how that sacrifice is going to help you and how it is important to make that sacrifice, in order to get to a better trade later on.

What do you want to trade for?

To make a trade or think about making a trade you have to know what is important to you and what is worth trading for. You should want to trade for the best thing you possibly can and this will be different to different people. Is happiness the best thing? Is Money? Is a different way of living? You need to spend time thinking about what the most important thing is to you to trade for and then make sure you are positioning yourself to make the trade. To get to the point where you are trading your time for what you want you may have to make many smaller trades and sacrifices on the way, but you have to remember its that end position of trading that is important.

I think the more responsibilities you have the more challenging trading your time becomes. Responsibilities will put restraints on your time that you have to make other trades with as will the levels of money you need to be bringing in to uphold your way of living. It is important to recognise though, that those responsibilities can be a great motivator to make better trades with your time. Your responsibilities can also be the best trades with your time that you make, as these are in many cases responsibilities you have chosen to take on because they make you happy.

Using your time wisely

Time in your life is a complex thing and sometimes the more you fill it with, the quicker it can seem to pass and the less you look at if you are using your time in the best way. I think it is wise to take a step back and write down all the ways you use your time and really look at what are good uses of your time and which aren’t. Don’t let a complicated life or a busy life stop you from thinking about how you use your time and making the best trades you can.

The ultimate trade

Those people who are making the best trades in my opinion are those that are truly happy with their life and have the ability to do whatever it is they want to do, those that aren’t limited by anything. Other people may choose to do different things with their time than you do, but it doesn’t make their trades any worse or better than yours if they are using their time in a way that makes them happy.

So now you ask what do I want to trade my time for? I want to trade it for happiness and having enough money to make the dreams of my family to come true. I’m not quite there yet, but everyday I am thinking of trades I can make to make it happen and then making the trades that I currently can.

Time is precious, so spend it wisely and never forget that time spent is an investment in yourself, so lets make the best trades and investments that we can.