Martin Roberts

The intention for properties that are being put up for auction is that they are sold on the day of the auction. That’s one of the great things about buying (or selling) a property at auction – there’s no long, drawn out sales process – instead the property is sold to the person offering the highest bid on the day.

However, not all properties are sold in this way – and it is very common that during an auction where any number of properties may be up for grabs that a percentage of them do not get sold. There are a number of different reasons for this:

1. The property is withdrawn from the auction after the catalogue has been printed (there could be any number of reasons for this including the vendor accepting a pre-auction offer – see below)

2. The bidding on a property doesn’t reach its reserve price. This is a limit set by the vendor to say what is the absolute minimum amount that he would sell the property for. The auctioneer is unable to sell the property for less than the Reserve Price, irrespective of the level of interest and number of bids.

If you have set your sights on a property that is destined for the auction, then the most obvious thing to do is to go along to the auction itself and bid on it. However, you may also want to consider other ways to buy.

Pre-auction offers

On the basis that you do want to buy the property, you may want to see if the vendor will accept a pre-auction offer from you. This would mean you putting in an offer on the property, just like you would if the property were advertised for sale through an Estate Agent in the conventional way. The vendor will be able to consider your offer and if he decides to accept it, you would proceed with the purchase and sale just as if you had placed the highest bid at the auction i.e. you will still need to complete within the normal 28 days. The result would be that the property would be withdrawn from the Auction itself.

Be aware, however, that many vendors will not want to go down this route – and the closer you are to the auction day, the greater the chances of them  preferring to wait and see what happens at auction – and who can blame them? If there is more than one person interested in the property, they stand the chance of the property being subject to a bidding war and achieving a far higher price than the guide price. Of course, it could go the other way and you could end up paying more than you would if you attended the auction. It’s a gamble.

Whether or not a vendor will accept a pre-auction offer depend very much on their situation and circumstances. Local authorities, housing associations, mortgage lenders and other government bodies won’t accept pre-auction offers. Neither will certain individuals or businesses by receivers or trustees. They are usually bound to demonstrate that they are aiming to achieve the highest possible price in a fair and open way – and taking the property to auction allows them to do this.

You are more likely to have a pre-auction offer accepted if the vendor is a private individual, a small to medium sized landlord or a small developer.

Post-auction offers

If a property does not sell at the auction, it is worth approaching the auctioneer directly afterwards to make an offer. If the seller is an individual in the room and the property failed to reach the reserve price, the vendor will have had their expectations of the property’s value re-adjusted. They may now be more open to accept a lower offer. Alternatively, if there are properties that do not sell that you haven’t particularly researched, you could ask for a list of unsold lots from the auctioneer and then carry out the necessary checks and put in an offer a few days later. Once again, the vendor will be in weaker position following the auction and may be more receptive to your approach.

Be aware that like Pre-Auction offers, if your offer is accepted you would be expected to proceed with the sale as if you had placed the winning bid i.e. you would need to pay the deposit immediately and complete within the normal 28 days.

If you would like to ask Martin a question click here

The RICS Housing Market Survey (aka House Price Balance) announced today was down 14% from January’s survey, but “the net price balance remains comfortably in positive territory” at 17%.

In plain English this means that 17% of surveyors responding to the survey reported increasing rather than declining prices

January had reported a fall in interest in the housing market and the February survey shows a return:

“There was a resumption of interest in the housing market following the fall that took place in January, which was due partly to the extreme weather conditions during that month and the reversion back to the previous stamp duty regime,” said Rics spokesman Jeremy Leaf.

New instructions were considerably higher at 15% as opposed -5% in January, and new buyer enquiries also rose to 7% (from -20%). Although this increase has yet to be translated into actual transactions, it is likely therefore that an increase in supply will slow the overall house price increase seen in 2009.

“The magnitude of the gains going forward is likely to continue to ease, reflecting the fact that new supply coming on to the market is starting to outstrip fresh demand.”

“Activity is expected to rise over the coming months after the recent lull with surveyors also anticipating that prices will continue to edge upwards,” said Mr Leaf.

For more information visit: news.bbc.co.uk/1/hi/business/8555681.stm or www.rics.org/site/download_feed.aspx?fileID=6068&fileExtension=PDF (pdf file)

Yvonne Emery

How to choose the right investment strategy for YOU.

Let’s get right down to business this time and make some constructive decisions.  Lots of questions, but what comes out of this is a way forward that you know you will take.

This month we are going to explore how you can choose a strategy that works for you and make it happen.

What are you trying to achieve?

• Enough income to replace your current income
• An extra £1,000 per month would be great
• Cash-flow of £200 gross from each property
• Cash-flow of £500 plus from each property
• Easy property that doesn’t need any work
• Property that needs general tidy up
• Property that needs complete renovation – kitchen, bathroom etc.
• Pension replacement income
• A different lifestyle – income to allow you a few luxuries
• The option to retire early

You’ll think of many more, and I’m asking so that you will then have a solid reason for making the investments, and have a clearer view of the type of property that will help you achieve this.

If you were going to make a difference to your life over the next 6 to 12 months what would help you do that?  Would an extra £1,000 per month on top of your wages help?  Perhaps it doesn’t matter about the income, as long as you change your job.  Do the kids want to pursue expensive hobbies which cost £100 per month, or more?  Would you like to be able to fund that Gym membership?

Why are you trying to achieve this?

If you can’t answer this simple question – ‘why?’ then the goal is probably not motivating enough for you.  The main reason we don’t ‘Just Do It’ is that we are not challenged or interested enough in what we are trying to achieve.  We constantly try to block our own progress either because of a fear of failure or a fear of success.  Yes, would you believe that a significant proportion of us stop that success subconsciously.

What is your financial situation? – be honest with yourself.

• Significant equity in your own home
• No equity in your own home
• Savings of £50k or more
• Savings – max £20k
• Somewhere in between
• Absolutely no money to invest
• Able to get a mortgage based on income over £25k
• Self-certificated income so mortgage is more of a challenge
• No savings, no possibility of a mortgage

The biggest difference for people in the strategy they choose to pursue is their current financial situation.  Whichever situation you are in then you will need other people to help you and finding them can be your greatest achievement to date.

Time and Experience

• Are you time rich and cash poor?
• Are you cash rich and time poor?
• Do you have lots of experience?
• Are you just starting out?
• Are you working full time?
• How flexible is your working week?
• Are you able to keep an eye on the deal provider’s messages?
• Do you know how to do the due diligence quickly?

Have you been investing in property for years and now you’ve run out of funds, or are you just starting out and need other people’s trained eye to find you the property you require?

Find people you can team up with, even if it’s to encourage you to keep going.  You will find all the knowledge you need on this site and there are many others to look at if you are researching a particular strategy.

If you don’t know, or you don’t have time – find someone who does.

We’re not very good at delegating generally, but the better you can get at this then the more you will be able to leverage other people’s time, experience and money (and we’re all after ways to use other people’s money).

Personality

Personality plays a big factor in the way we choose to invest and even the way we dream our goals.  You need to get familiar with your own personality, make friends with it and realise your strengths and limitations.

Come and hear me speak at one of the networking events to find out more specifically about your personality and how it affects the way you choose to invest. www.YvonneEmeryCoaching.co.uk/events

The more reserved you are the more likely you are to choose an anonymous way of investing – getting others to do the deal making and negotiating with motivated sellers.  This might cost more money but will save you the stress of following up leads generated by flyers.  You might be enticed by the easiness of communicating by flyer and web advertising, but you will find yourself hesitating because you have no way of dealing with the calls this might generate.

Those who have more extrovert personalities, will be great at having the conversation with the motivated seller, putting them at ease and building rapport, but you might struggle with the dedication required for leafleting your area.  You might also be happy to chat but worry about having enough information to be able to explain the detail to the seller.

In reality we all need other people to have input into our system, whichever we choose, so that we can use our skills to best advantage and fill the gaps with other people’s input.

What are the strategies that suit you?

• Buying deals provided by Below Market Value sourcing companies
• Leafleting to find your own leads for distressed/motivated sellers
• Picking one area and one type of property and repeating a system
• Buying deals across the UK as long as the cash-flow is good
• Buy, renovate and sell (works best in a growing market)
• Buy low and re-mortgage to release the cash
• Buy no money down
• Purchase Options, Lease Options, Sandwich Options (no mortgage required)
• Joint ventures

You can find information on all of these on the mentor sections of Just Do Property.

Most people wouldn’t get out of bed for an extra £200 per month.

Remember that for each property that cash-flows at £200 per month, that’s £2,400 per annum and £24,000 over 10 years.

£200 is not just for Christmas, but it’s for the rest of your life.

When will you start?

I have introduced my MINI Groups for 3 to 6 people to set strategies and buy property regularly.  Just £100 per person for a 3 hour session in a town near you.  Call 0845 094 6628 to learn more.

Happy investing

Yvonne

If you would like to discuss personal coaching/mentoring with Yvonne then as a Just Do It member you can get 20% off.  Phone Yvonne: 0845 094 6628 she can help you leap over your barriers.

If you would like to ask Yvonne a question click here

Causes of Dampness

Dampness in a property is one of the main causes of rapid deterioration and all efforts must be made to find the cause or causes of the dampness and eliminating it. For the residents of a damp house, all kinds of health problems will arise, as well as the massive expense if left for too long.

One broken roof tile costing a pound or two, if left unattended over several seasons will cause hundred of pounds worth of damage to walls and ceilings.

There are five main ways in which a property may become damp. The following are the main causes.

• Leaking roof or gutters
• Rising Dampness from the ground
• Porous Brickwork or Stonework
• Internal leaks in the plumbing system
• Local flooding

Leaking Roof or Gutters

Tell tale signs within the building will be damp patches or areas of mould on upstairs ceilings or walls. If a gutter is blocked with leaves or moss, for example, the water will overflow down the external walls. If the walls are porous, the water will penetrate the wall.

An external visual inspection will show if any slates or roof tiles are broken or missing. In some cases the ridge tiles may have broken or blown off in a gale leaving it wide open for rain to enter.

An internal inspection of the roof is necessary, if it can be arranged. There is usually a trap door leading to the roof space, and a detailed inspection should be carried out. Check if there are any places where the daylight is showing through. If daylight can get through, so can rain. A careful diagram should be made so the holes can be related to the exterior and to identify broken slates or tiles.

Flashing (the sealing around a chimney stack or roof light) can be defective. Originally it would have been lead sheet, or for cheaper constructions, possibly zinc sheets.

Often a fillet of cement is used to make the joint between the roof slates or tiles and the chimney brickwork. This cracks within a short time and allows damp penetration.

If there are any doubts about the soundness of the gutters and down pipes, I strongly suggest that they are all replaced. The cost is inexpensive and trying to repair old gutters and down pipes is a pointless and futile exercise.

Rising Dampness

There are several causes of dampness rising from the ground.

One of the commonest is where the property has a wooden floor suspended on joists. There should be good air circulation under the floor by means of airbricks or gratings. These allow a flow of air through the under floor space. Upon inspection, one finds that the airbricks have become blocked with dirt. Even worse in some cases, garden soil is heaped up against them.

Without this air circulation, condensation and moisture from the ground will quickly affect the property. In older properties particularly, there may be no over-site concrete, i.e. concrete covering the bare earth under the floors.

This rising damp causes patches of discolouration to appear at low level on the ground floor walls and if untreated will cause the plaster to decay, and the ends of the floor joists to rot. The skirting boards will show signs of wet rot and start to decay if the dampness is not controlled.

In addition, the damp proof course (usually shortened to DPC) may be ineffective. In older buildings those of cheaper construction often relied on the density of the bricks at ground level to act as a moisture resistant barrier or damp proof course. In better building construction a slate course was built in at ground floor joist level.

A bad case of rising damp

Technical stuff: According to Building Regulations, the DPC should be installed at 150mm (6 inches) above the outside ground level. If the floor is a suspended wooden floor, the bottom of the joists should be laid on this. The DPC must cover the full width of the masonry leaf and project 5 mm beyond any external face.

More recently, bituminous felt was used as a damp proof course. The bituminous felt often deteriorated and allowed moisture to pass upwards into the upper wall.

This is known as ‘bridging’ of the damp course.

The remedy here is to install a new damp course along the area that is affected by rising damp and is fully discussed in detail later in the course.

The present method is to use heavy quality polythene strip.

Porous Brickwork or Stonework

Brick or stone walls can deteriorate over the years and brick particularly can become porous. Added to this, the cement between the bricks, the pointing, can decay and even fall out, allowing dampness from driving rain to enter the building. Creepers such as ivy may be present and the roots may open the brickwork sufficiently to allow water ingress.

An inspection should be made of the condition of the brickwork and of the pointing, particularly if there are otherwise unexplained wet patches on the walls. Defective chimneystacks are notorious for allowing damp to enter the building. Damp patches can appear on the wall above the fireplace. Because of the difficulty of accessing chimneystacks, the pointing is often neglected until the problem has become serious.

Leaks in the plumbing system

Upstairs bathrooms can become defective and a minor leak in a waste pipe for instance can, over time, develop a substantial amount of dampness. This is often not noticed until it becomes serious.

Careful investigation is the only answer for tracing these causes of dampness.

A bad case of mould caused by porous walls. It can be treated fairly easily, but is a danger to health if untreated

Local Flooding

The cause of the flooding is usually generally easy to discover, but it is important to make sure that everything has been dried out thoroughly after a flood. Both wet and dry rot can be started by saturation of a floor or wall.

An idyllic spot near to a brook, but this brook can become a raging torrent at certain times of the year and the cottages on the right are flooded.

Therefore dampness should be tackled as soon as it appears, the longer it is left the more expensive will be the remedies.

If you would like to ask Dennis a question click here

I must admit the map on screen is really difficult to look at, and at the moment it’s a bit scary as I don’t really know what I’m doing!! However I’m working my way through module 1 now. 

There are accompanying videos with module 1.  Just beware as I’ve had to watch them in windows media player and not quick time that it recommended.  It took me a while as I had to call in the help of my husband, Alec, who’s a technical whiz!  But that’s all sorted and I can watch the videos now.  I’m sure it’ll be easy for most people to watch the videos.

I went on to watch the Google Earth video and Lyndon was pointing out all the possible development sites in his area, which is West Houghton in Bolton.  There’s only 25,000 people live there, but so many land buying opportunities!  It’s very exciting to see all the possibilities in such a small area.

I called in to Lyndon’s fortnightly teleconference, where you can ask him whatever questions you like about Land Finding. I must admit this course is amazing value when you get support like that.

Out and about today with my 2 young children and I spotted a couple of sites that could be possibilities.  It’s exciting as I’ve not even completed module 1 and I only have a small amount of knowledge but it opens your mind to know a bit more about what you’re looking for.

I think I’m hooked!

Click on the link below for Lyndon’s excellent 60+ page free Land Finding report.

Land Finder Free Report

The Bank of England (BoE) decides to keep the Interest Rate at 0.5% and maintain the size of the asset puchase programme (Quantitative Easing).

Both moves where widely expected by financial analysts and the media.

The rate dropped down to the record low of 0.5% almost exactly 1 year ago on 5 March 2009 along with the introduction of the aset purchase scheme which was subsequently increased in value.

The minutes of the meeting will be published at 9.30am on Wednesday 17 March.

For more details view: http://www.bankofengland.co.uk/publications/news/2010/022.htm

For many BTL and land investors, developing for profit is a very natural progression. In fact, it was the path I took – and I’m sure glad that I did. The potential profits can be truly staggering…

“How much experience do I need?”

The surprising thing about developing for profit is that you don’t need to know very much about construction at all! In fact, I didn’t know anything about construction when I started out… and I still wouldn’t know how to place one brick on top of another!

If you have the right team around you, including a good architect and a quality single main contractor, you can leave them to worry about all the hard work and specialist construction knowledge.  You can use industry standard ‘fixed priced’ contracts – so the contractor handles all the construction work within an up-front agreed price. This means that you won’t be landed with any nasty surprises and you can minimise the associated risks.

“What about the finance?”

As market conditions improve, more lenders are returning to the market with new development finance products. Better still, loan-to-value ratios are increasing all the time. 65% loan-to-value is now once again achievable for certain deals.

Of course, the most critical element of the deal is securing the land at the right price. If there’s enough capital tied up in the land, then it’s possible to fund the deal with little (or possibly no) money down…

“What about the state of the market?”

Increasingly positive news reports seem to suggest that we may be slowly emerging from the recent property crash. For example, last month, Barratt announced that forward sales are 43% ahead of a year ago. Plus, recent RICS figures show that house price rises are likely as demand for available property outstrips the supply.

Signs are that things should be more stable in 2010, hopefully preparing the way for increased recovery later in the year.

That’s why I recently took my first steps back into developing. Although I’m only developing a very small site of two semi-detached houses, the project should return a healthy profit for very little “work”.

“How much work is required?”

My method of new build development involves very little work by me at all – no more than two or three hours per month from start to finish!

However, I know I’ll spend more time on site than I need to as I find the whole process so exciting! Basically, I’m buying a piece of dirt and turning it into two fantastic brand new houses worth £160,000 each.

The return on my time from a small project like this is significant – hopefully around £70k. I anticipate that this development will take around six months to complete. I’ll be keeping an online diary of the progress of this project, so if you’re interested to see how it’s coming along, keep an eye on my blog at www.ukpropertyexpert.com.

“Can I reduce the amount of up-front capital needed?”

A great way to reduce the amount of upfront capital needed is by entering into a joint venture (JV) with a landowner.

I recently agreed a JV deal on a site for 16 houses. Essentially the landowner will be putting his land into the deal and I’ll be arranging the development. The deal should clear £400,000 for my company. Sound easy? Well, when you get to know the ropes, it is!

So will 2010 be the year you take the next logical step in your property career with comparatively quick, life changing profits from developing? It really isn’t as difficult as it sounds. If I can do it, anyone can!

If you would like to ask Lyndon a question click here.

Like with Nationwide HPI, down -1%, Halifax have shown a drop in House Prices in January compared to December, but an increase, 4.5%, over the whole year. Nationwide reported a 9.2% increase.

“House prices fell by 1.5% in February, the first decline since June 2009 following seven consecutive monthly increases. Despite this fall, the average price is 8.0% above the trough reached in April 2009.” Martin Ellis, housing economist.

Not surprisingly Martin Ellis attributes the reduction to the bad weather in early 2010 and the return of the lowest stamp duty threshold.

However he believes that “An increase in the number of properties available for sale has helped to reduce slightly the imbalance between supply and demand. ”

For more information visit: http://www.lloydsbankinggroup.com/media1/research/halifax_hpi.asp

We joined Rob and Mark’s Progressive Property Portal when it first launched in February. We were really pleased to get in before they closed the doors.  It’s a fantastic portal full of great training videos, interviews and advice. You also get access to their forum which is very busy and full of great people to chat to and get advice about property, and possibly do some deals. It’s open for today only and will accept only 200 new members!!

 Property Education Portal & Forum Now Open for 29 Hours Only here:

IT’S NOW SOLD OUT (3/3/10)

 Progressive Property Portal – Click here

We are excited to announce that we have a new expert writer for the site. Paul Shamplina has over twenty years experience in the legal field, originally working as a clerk, private investigator, debt collector and certified bailiff. As co-founder and director of Landlord Action, the market leaders and longest serving independent company specialising in fixed-fee tenant eviction and debt recovery, he has acquired a reputation as the landlord’s friend.

Paul will be writing articles for Just Do Property and also be available for Q&A in the ‘Just Ask The Mentor Section’.

 Just-ask-the-mentor/paul-shamplina

Julie went along to the Manchester pin meeting last week, it was an excellent meeting.  John Davies from Hedge gave a market update, which was very informative.  It’s great just to go the meetings to get the latest property news.  We learnt about the new PLO (Protected Lease Option) from John Davies and Mark Jackson and Charlie Robinson talked about debt management solutions.

 Read more in the Blog

 Alec went to the Manchester PNC and Phil Martin told them to get motivated!   He gave them 5 buying strategies to move forward with….. 

 Read more in the Blog 

Lease Options Made Simple Events

Mark Jackson (Property Option Expert) and Wendy Patton (US Lease Options Expert) are running 2 Lease Options Made Simple Events

London, April 10 2010 – £127

http://www.eventbrite.com/event/558351043/POEAFFI25/2973015443 

Leeds, April 17 2010 – Early Bird Ticket just £97 until March 5th

http://www.eventbrite.com/event/574694928/poeAFFI25/2973015443

Wendy and Mark will show You how to take a deal that looks average, and create FOUR different income streams funneled into your pocket…with little or no money down!  Imagine walking away with a Property Options business blueprint which you can self-implement immediately!

In case you missed it, Julie Hanson from Just Do Property was excited to be asked to exclusively interview Wendy Patton and Mark Jackson. You can listen to the audio here. Interview

 Grand Designs Live

Grand Designs Live returns to Excel London from 1- 9 May 2010.  We’ve teamed up with Grand Designs Live to offer you an exclusive ticket offer.  Get two tickets for just £20 (saving up to £16*)  Read how to in the blog.

 IPOP (Investment Property Opportunity Presentation)

 We met with a great guy today called Chris Rowell, from Positive Property Investment.  Chris holds events in the North of England and his goal is to help as many people become financially free. 

He runs an evening meeting once a month, the next one is March 9th in Stockport. Full details are on the link below:

 http://www.eventbrite.com/event/585571460/ipop/2973015443

Chris also runs a Property Investment Workshop in Stockport. Here you will learn about all the strategies that you can implement to build your property portfolio. Most importantly, what you have to do to buy your first Investment Property within the next 30 days.  Chris also provides free follow up support following the course, to ensure you are on the right track.

We have negotiated a £100 discount off the course, just enter discount code ‘justdoproperty’ when booking. The next course is March 23rd.

http://www.eventbrite.com/event/585565442/Workshop/2973015443

ENTER INTO OUR MONTHLY FREE PRIZE DRAW

 A signed copy of Martin Robert’s book ‘Making Money from Property’ will be given away in our monthly prize draw.

 Martin’s book retails at £9.99 and you can get a FREE signed copy. All subscribers to Just Do Property who purchase a minimum of £50 of products (including training/mentoring etc) will be entered into the draw.

 Simply email us with details of your purchase and you will be entered. The prize will be drawn monthly and the winner notified by email.

Our product of the month for March is Martin Robert’s great book “Making Money from Property”.

Learn all the tricks of the property trade as Martin Roberts leads you through the World of property investing, renovating and developing. A practical, inspirational guide that is an invaluable companion to any property entrepreneur.

 See promotion above for more details. 

 February’s Product of the Month

 Our product of the month for February was Dennis Coote’s E Course – Property Development for Profit.  It’s an excellent course, and is great value at a special discounted rate for Just Do Property members of £67.  Julie has reviewed the course in our blog. Click here to read the review. 

Check out our Events Diary for a full listing of the upcoming networking events.

We now have 250 fans on Facebook. Become a fan of Just Do Property on Facebook.

Have a great week!

In this article I would like to share my 5 Golden Rules which will help you minimise the risks of investing and maximise your profit.

1. Always buy Below Market Value from motivated sellers

Instead of looking for a property you like and then negotiating with the seller, you need to find motivated sellers who will sell you their property well below the market value, and then decide if you want to buy that particular property. The amount of discount will vary depending on the motivation of the seller and the general market conditions. In a rising market you may be happy with a 15% to 20% discount. In a falling market you would want a bigger discount of 25% to 40% to give you more of a safety buffer in case prices come down further. This means that you make a paper profit the day you buy instead of waiting for the long term price rises.

2. Buy in an area with strong rental demand

Remember you don’t want to be paying for the mortgage on your property. That is what you have tenants for. You must make sure there is good rental demand in the area such that if your tenants ever leave, you can quickly find replacement tenants at the full market rent. You can easily check the demand in the area by using the internet and speaking to local letting agents and other investors.

3. Buy for cash flow

Your property should create a monthly positive cash flow for you such that it is an asset rather than a liability. Although we expect property prices to rise in the long term, if you buy your investments “as if prices will never go up again” you will be forced to only buy properties which give you great cash flow now.  Extra cash flow will help you to build up a cash safety buffer, and will help you cover potential rise in interest rates in the future.

4. Invest for the long term buy and hold

Some investors buy and sell property to make a profit. The real profit however is in buying and holding for the long term to benefit from significant capital growth. If you plan to hold for the long term and your property is rented out creating a positive cash flow you do not mind short term fluctuations in price. By long term I mean at least five years in the current market.

5. Have a cash buffer

The investors who get into difficulty are often the ones who do not have any spare cash to access in case of an emergency. As an investor you will incur unexpected costs and so you must have some spare cash to cover these instances. The size of this buffer depends on your personal level of risk.

In my next article I am going to explain how you can work out the return on investment on your investment properties so that you can work out which is the best property to buy.

Simon Zutshi, who is a financially independent property millionaire, is the author of the Amazon No 1 Best Seller “Property Magic” and founder of the property investors network who hold monthly evening seminars for investors in 12 cities around the country. Find out more details at www.pinmeeting.co.uk