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  • Buy-to-Let

    Buy to let still viable starting out in 2019?

    It's interesting to see the differences of opinions you have on here JC, and with the same people I have differences of opinions with.

    If they're doing something (or not as the case may be), it's the best thing since sliced bread. But if it's someone else, they're all over it with the negativity, and then when you call them up on it they try and back-track.


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    " You are right I don’t comment on what I do, simple reason for that I bought my BTLs a number of years ago and am happy to take the income from them so nothing to share in terms of strategy.  I am not looking to expand or sell a service.  I also think the market is due a significant correction "

    Well done JC, you finally got the truth out of good old Essex LL. Shame that as he/she/it has blocked me they won't be able to see this answer, but everyone who matters (the rest of the forum basically) will ;->

    So basically, they're doing nothing but doesn't mind putting down your purchases. That is a pretty negative mindset? Interesting that, they'd rather do nothing than do something. I think the part I bolded may be the reason they have for not doing so? Oh well, I guess that's what daytime TV is for.

    Keep doing what you're doing!

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    You just seem to  pick pick pick on other peoples stuff . But I guess all forums need pickers

    In fairness you tend to pick pick pick on anyone who doesn't think 100% of net worth should be in highly leveraged property.

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    True . I love picking myself . I do so to for two main reasons I think

    1) To explore fear in humans and to show their perception of risk is often at odds to the actual risk

    2) To explore comparable investment strategies in other asset classes or businesses

    I want myself and others to feel the fear  and then not be fearful

    I want to invest in a pension at a push of a button to get a 40% gain in 30 days like has been intimated

    Picking at it reveals the facts  - that alas you cant get 40% back  - but in property you possibly can

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    Jonathan Clarke. http://www.buytoletmk.com


    I agree with your sentiment, however I think you use the word "fear" too freely, just because someone doesn't want to neccesarily follow the same strategy as you, it doesn't mean they're too scared to do it, in my case it's a measured business decision I've taken, nothing to do with fear.

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    Its a fair comment and yes and i probably  overuse it  and probably deliberately so sometimes as a comment to prod and provoke a reaction

    Years ago I read the book - `Fear the Fear and do it anyway` and pointed that fear at myself

    It helped me  escape procrastination which is a common theme in humans I think 

    But for some like yourself you are right its a measured decision not to invest  - not fear 

    Others less so they maybe want / need direction and that extra kick in the butt to get started / continue 

    I recall John Paul from Castledene talking I think about a mentor he had

    The mentor stared him in the eye  when he saw self doubt about  what he could achieve

    And the mentor to toughen him up screwed up his face and just said....... 

    Look and Weep 




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    Jonathan Clarke. http://www.buytoletmk.com

    Yes it can be done no problem

    if an investor wanted to do that I would suggest they put the money in a cash fund

    it would be unwise to buy equity for such a short period

    and it may be unwise from a tax point of view to do so  but that’s another story

    pension freedom has changed pension

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    Learn Change and Adapt ?????

    All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.


    Ok so i can put in 60p to get 100p back in 30 days but its  not worth the hassle

    You say I cant do 60K to 100K

    Whats my limit then please ?


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    Jonathan Clarke. http://www.buytoletmk.com

    I think the problem is you don’t understand pension which is fine most don’t

    even with pension freedom

    pensions are nothing more than a tax efficient tool

    i had not used them since I left work and it’s only with the advent of company ownership and self employed earnings that I now favour them

    pension have there limits 40k a year

    but it’s 40 k opportunity

    and with prices going up in the north the opportunity to buy yields which I find acceptable are now limited

    the southern landlords are buying in the north

    so I am happy just to sit on what I have manage it the best way I can and use taxfree oppertunites

    I have a new side line now car registration numbers but that’s another stiryb

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    Learn Change and Adapt ?????

    All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.


    I have a pension so yes i know how they work in principle

    So I can`t invest you say 60K on 2nd April and withdraw 100K on April 30th due to regulatory limits

    So my revised question is

    If I buy 40K in funds on April 2nd what is the max i can be paid back  on April 30th ?

    Around 67K on a pro rata basis I guess according to your 60p to 100p example 

    .............................................................

    On site today spending 15K to make 40K

    Property allows me to  do that 10 times  a month 12 mths of the year  if I have enough cash and time

    That`s 3 million quid

    Better than 40% relief on 1 x 40K pa in my view

    But yes 40% relief s a nice gift and shouldn't be ignored even though its not a 40% gain

    Pension freedom should never be confused though with property freedom

    Pensions freedom is only a part freedom in my view - bit like  being tagged on leaving prison .



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    Jonathan Clarke. http://www.buytoletmk.com