Maybe Tomorrow I'll Want to Settle Down (Down the road is where I'll always be)

What a weekend! With lots of ups & downs, happiness & sadness, laughs & tears and everything else in between.  It was the end of Simon Zutshi's Mastermind 10 on Saturday - and the journey people had come along in the last year was amazing. Whether it was financial or personal breakthroughs, everyone had changed for the better.

My 'unexpected' year in Birmingham had also come to an end, although that's where I had to be for then, it's not where I need to be next.  I'd known for a while and the timing just seemed right, now; to move on again.

From the pin Team who were now family to the Masterminders who were good friends, they will ALL be missed.  As in the Simpsons, dysfunctional or not, they're still the family and the friends that you love!

It's like when everyone leaves school, not knowing if they will see each other again - and nobody wants to go home that night, in case tomorrow everything is different (which it always will be).
Although everything finally has to come to an end, to create space for something new to be created...

Do you ever recall emptying your desk at work and remembering the good times? Or when you left home and turned the lights off and closed the door for the last time? You see the space you lived and breathed in for so long - and as you move those in-animate objects and things into boxes again, they bring back a flood of happy memories.  The meanings we give these items that link us to emotions that we had in the past and may have forgotten about momentarily. This is what we live for, the good times and the memories.  "People will forget what you said. People will forget what you did. But people will never forget how you made them feel." {Maya Angelou}

I didn't get a chance to say goodbye to everyone, which was partly intentional, as I don't like goodbyes. It almost always ends up with crying and hugging (and it's usually me).  Only for us to meet again in a few weeks anyway.  I'm never really gone, just moved elsewhere to my next calling.

What people really miss is the best about themselves that they see in the other person, which is what they already have inside them, they've just forgotten temporarily - and it's the same for me.  Just remember that you can always remember the good times, tell stories and just smile to yourself knowingly.

The weekend was wonderfully rounded off by Richard Wilkins who is not your average speaker. What I mean by 'not average' is that he is real and authentic.  He reminded people that it's OK for men to be sensitive, to be real and be themselves.  Reminding us that "To not be dead is your biggest Goal" - Richard Wilkins www.theministryofinspiration.com

It was worth waiting all year for him to finally appear and remind me, who I am - and that there is a long way to go from where I was and that actually "I'm there" (where I want to be) right now!

We stayed late on Saturday night for a meal, laughed and joked and shared stories.  Stories of who we really are. Telling the truth, being ourselves and knowing that no judgement is passed for the human-ness that we share.  The honesty, integrity and vulnerability I hope I've brought to every conversation and everyone I have met over the last year.  You all Freakin' Rock!

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Can you remember one small thing for me? And I'll only tell you if you promise to always remember… Agreed!? Great, here goes...

Myself (and everyone else that you've ever known) - they've not really gone anywhere.  They are all here/there, thinking of you all the time and smiling with the happy memories. And if you really miss them, they are just waiting for you to call, email, facebook or send them a happy thought.

Now that you 'know' and have promised to remember forever, there's no reason to feel like they're missing - because they're not. It was just you temporarily 'missing' and now that you know this secret, you won't fall for that misleading thought again.
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It was then a rainy Sunday and I knew it was time to grab the few things I had and hit the road again.

My friend London (aka The Littlest Hobo) explains it best when I can't find the words.  *woof*

Till we meet again.  Maybe tomorrow…

http://www.youtube.com/v/IzBQnWlWpRY

There's a voice that keeps on calling me
Down the road is where I'll always be

Every stop I make, I'll make a new friend
Can't stay for long, just turn around and I'm gone again.

Maybe tomorrow, I'll want to settle down,
Until tomorrow, I'll just keep moving on.

Down this road, that never seems to end,
Where new adventure, lies just around the bend.

So if you want to join me for a while
Just grab your hat, come travel light - that's hobo style.

Maybe tomorrow, I'll want to settle down,
Until tomorrow, the whole world is my home.

So if you want to join me for a while
Just grab your hat, come travel light - that's hobo style.

Maybe tomorrow, I'll want to settle down,
Until tomorrow, I'll just keep moving on.

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Maybe tomorrow, I'll want to settle down,
Until tomorrow, I'll just keep moving on.

There's a world, that's waiting to unfold,
A brand new tale, no one has ever told,

We've journey'd far but, you know it won't be long,
We're almost there and we've paid our fare, with the hobo song.

Maybe tomorrow, I'll want to settle down,
Until tomorrow, I'll just keep moving on.

So if you want to join me for a while
Just grab your hat, come travel light - that's hobo style.

Maybe tomorrow, I'll find what I call home
Until tomorrow, you know I'm free to roam.

UK Banks causing a double dip?

The Banks were technically bankrupt a couple of years ago but got bailed out by us. Now they want as much cash in as possible, despite the cost to businesses and the economy.

Unfortunately the Banks are not run by people but systems and organic robots – they are only interested in their bottom line and do not care about the economy, taxpayers, you or me.

The dip is coming, not good news for people with equity to lose or poor cash flow – but an opportunity for investors to stock up on houses!

See Simon Zutshi's article below and join his Mastermind Programme to stay ahead of the pack.

Bobby

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Check out Simon Zutshi's Property Mastermind Programme

Simon Zutshi is giving away a full scholarship on his next Property Mastermind Programme starting in October 2010.

This is an incredible 12 month Programme that will teach you how to be a professional investor with the objective of buying £1m in property and giving your £50k in the bank in 12 months.

For details of how you could be the lucky person to receive this incredible opportunity, you need to register your interest on the Property Mastermind Scholarship “Pre announcement list” by Clicking Here
Property Mastermind Programme

Note: This offer is for Serious UK investors Only!

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Are the UK Banks causing a second dip?

by Simon Zutshi

"There is a lot of talk in the media at the moment of the possibility of a second dip in the UK housing market. There is a good chance that there could be a second dip particularly when the banks release all of the repossessed property that they are currently holding, into the market. When the supply increases then house prices could fall further, if the demand is not sufficient to soak up the extra supply.

However, I would argue that the demand is there. The two groups who stimulate the market are investors and first time buyers. Investors realise that properties stack up well at the moment, far better than they have for a few years. If you are investing for the long term it does not matter if prices fall in the short term, as long as you can afford to hold by ensuring you buy in an area with strong rental demand and positive cash flow each month after all the expenses. First time buyers are also keen to get on the ladder before prices go up although many of them are uncertain about what the future holds due to all the scare mongering in the press.

The main problem lies with the UK banks and their lending policy. Understandably they have learnt their lesson and I am sure will now lend more responsibly than in the past, which has got to be a good thing. However, for the UK market to recover the lending availability has to improve. The banks are already being cautious by restricting their lending on Buy to Lets to 75% Loan to Value so they have plenty of buffer in case prices fall.

They are also being careful of whom they lend to although I would question the logic behind some of their decisions. The Lloyds TSB banking group now owned by the government (or rather the tax payer) restrict the number of mortgage across its brands to a maximum of nine. Most experienced investors, with a reasonable sized portfolio, would exceed this limit and so would not be able to get further mortgages for any lender in the group including; Birmingham Midshires, Halifax, Lloyds and C&G. Ironically these banks seem to be happy to lend to a complete novice investor, with absolutely no experience and so someone far more likely to make mistakes than an experienced investor to whom they will not lend. It does not really make sense.

But the real problem is that the banks are instructing surveyors to down value properties in their surveys. Most surveyors would say that a property is worth what someone is prepared to pay for it. However, this wide spread policy of down valuing property ignores the fact that there are buyers prepared to pay the agreed price. When the property is down valued the mortgage offer is adjusted down and often not sufficient enough for the buyer to afford the property, so the sale falls through. The surveyors are under pressure from the banks and they don’t want to be sued for getting it wrong.

Willing buyers are not able to make the purchase they want and so the market stagnates as people get stuck in chains and the net effect is less sales. Less sales will lead to a fall in prices and a general down valuing of the market. Thus the second dip that the press seem determined to talk us into.

This is bad news for everyone, including the banks who will have even less security and equity on their existing lending. With many people potentially in negative equity unable to afford to move, the market will stagnate further and take even longer to recover. Again bad news for everyone.

If we are not careful we will get to the point where no one can sell or buy and the only solution will be to do every property transaction as an option. I am convinced purchase lease options will become far more common place over the next few years.

What we need is some positivity in the press to encourage first time buyers to stimulate the market and general easing of lending criteria so that more people can access the funds to buy the property they want to purchase. And ideally an end to this policy of Banks telling surveyors to down value property.

Come on UK Banks….sort it out. As owners of many of the banks, the new government should wake up, smell the coffee and realise what is going on. Unless something changes I predict that the UK Banks will cause a second dip in the UK house market."

Simon Zutshi, - Founder of Property Investors Network

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