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  • Property Training/Mentoring

    Fielding Financial Family

    Hi everyone,

    I have just signed up as I have been reading this forum for a few hours this morning and it has been really interesting.

    I started reading the forum after attending a Property Investment course in London. The event was run by Fielding Financial Family and predominately fronted by Maria Davies.

    The whole event made me feel very uncomfortable, as has some of the reading I have done on this really helpful forum. I wondered if anyone has had any experience of FFF or Maria Davies?

    Thanks in advance.
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    Hi Feast,

    Welcome to PT!

    I've never heard of FFF or Maria Davies. I have heard of Gill Fielding but can't remember the context.

    What made you feel uncomfortable about the event, and from the reading here? We're not all scary baddies (though some of us can do a good fright turn on Halloween!!) Wink
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    Jayne Owen @jayneowen

    Editor and Writer: Your Property Network magazine

    Investor: Mozaique Property, South & West Wales and South West England

    Occasional reviewer at The Property Bookshop (@Property_Books)

    Hi Jayne.

    It is Fielding Financial Family, which is a Gill Fielding company.

    There are threads on here about casualties of guruism, gurus talking rubbish again etc. I'm not allowed to post link as I am a newbie..Blush

    As well as a few articles on on Business Opportunity Watch about Gill Fielding Financial Robot, as well as other.

    Lots of small things made me feel uncomfortable, I won't mention them all. These are a few;

    There was continual reference to 'outliers'. Such people take risk, do things differently and are not within the 95% of normal people, who are 'in the hamster wheel'. Just seemed like an unsafe attitude to risk.

    Regular reference to 'blockers' or negative people, who challenge and stand in the way of you progressing. In my mind challenge is a great thing that helps us all learn. They really believed in this approach, as I had my hand up twice to ask a question but was ignored.

    Advertising fake properties to rent, to get a feel for the market and building up a database on people who inquire, felt pretty immoral to me.

    Applauding [actually clapping] people who had extended their credit limit on their credit card.

    The assumption that higher LTV mortgages give better returns seemed a bit strange.

    There were lots of other things. I didn't go back for the second and third days of the course, as it felt like a weird materialistic cult.

    (02-11-2014 02:21 PM)Jayne Owen Wrote:  Hi Feast,

    Welcome to PT!

    I've never heard of FFF or Maria Davies. I have heard of Gill Fielding but can't remember the context.

    What made you feel uncomfortable about the event, and from the reading here? We're not all scary baddies (though some of us can do a good fright turn on Halloween!!) Wink

    Hey Geoff,

    The course was £500 for 3 days. I only attended the first day.

    I have listed a few of the issues I had with the course above.
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    (02-11-2014 02:50 PM)Feast Wrote:  Applauding [actually clapping] people who had extended their credit limit on their credit card.

    The assumption that higher LTV mortgages give better returns seemed a bit strange.

    Welcome to PT

    If you make more money as a % investing in property than you pay as a % rate for borrowing on your credit card then that can make sense. Yes you have to ensure usual DD safeguards are in place with regards to cash flow and contingency funds but its a mathematical calculation at the end of the day . Compare say a 0% balance transfer with a 3% fee on a credit card against 20% - 40% gross you can make on each £1 invested in property and you can see why the attraction is there.

    Likewise if you say borrow at 60% LTV and you are happy and confident you can make money it follows that you make even more money at 80% LTV. I`ve yet to see a graph or a counter argument to explain that higher LTV actually lowers your returns. If that was the case them everyone would not look to borrow but just buy cash. In my view its just a sliding scale upwards. The more you borrow the more you make. You have to understand the maths though and mitigate any aggravating factors

    Many a house I bought at 80% LTV I would have made money even if I had been able to borrow at 100% LTV and used the extra 20% to invest in another property. 100% LTV would have brought me infinity returns. I would just buy one property at 100% LTV and then replicate that over and over again. In essence that is what i did as often as I could to grow my portfolio. 80% LTV on a property from one lender and added 20% from a remortgage from the increased value on another property. 100%LTV interest only in effect all offsetable against tax.

    I don`t know who FFF are. Were you uncomfortable with the maths or just uncomfortable with the happy clappy presentation style perhaps. Or perhaps both. Sometimes that kind of style I agree is off putting and detracts and distracts from the maths which can in fact make perfect sense
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    Jonathan Clarke. http://www.buytoletmk.com


    Hi Feast,

    As JC explains, some of the aspects are down to the maths and if you are comfortable with the risk/return, as tactics they can be valid enough. Maxing out the credit card is not one that I would use personally, I'm too risk averse for that.

    Each individual's risk profile is different. On top of that, always trust your instincts. And if your instincts are screaming at you to run the other way, ignore them at your peril. On that basis, walking away was exactly the right thing for you to do.

    From your descriptions, it sounds more like a wealth creating 'hype' style event rather than one that discusses the fundamentals of investing in property. LTV mortgages can give better returns, but taking all costs, market status, locality, condition, rental potential and so on into consideration is an essential bit of number crunching beforehand. We're back to the maths again.

    When you find a learning style for gaining real education that suits you, you'll move forward in leaps and bounds. That may be reading (forums, magazines, books), courses (find a reputable provider that has been recommended by someone else who has actually benefitted from it afterwards) or 1-1 mentoring/coaching/whatever. It might help to start by reading, to identify some of the personalities in the field, before going on to investing larger amounts in training and 1-1's.



    (02-11-2014 02:50 PM)Feast Wrote:  Hi Jayne.

    It is Fielding Financial Family, which is a Gill Fielding company.

    There are threads on here about casualties of guruism, gurus talking rubbish again etc. I'm not allowed to post link as I am a newbie..Blush

    As well as a few articles on on Business Opportunity Watch about Gill Fielding Financial Robot, as well as other.

    Lots of small things made me feel uncomfortable, I won't mention them all. These are a few;

    There was continual reference to 'outliers'. Such people take risk, do things differently and are not within the 95% of normal people, who are 'in the hamster wheel'. Just seemed like an unsafe attitude to risk.

    Regular reference to 'blockers' or negative people, who challenge and stand in the way of you progressing. In my mind challenge is a great thing that helps us all learn. They really believed in this approach, as I had my hand up twice to ask a question but was ignored.

    Advertising fake properties to rent, to get a feel for the market and building up a database on people who inquire, felt pretty immoral to me.

    Applauding [actually clapping] people who had extended their credit limit on their credit card.

    The assumption that higher LTV mortgages give better returns seemed a bit strange.

    There were lots of other things. I didn't go back for the second and third days of the course, as it felt like a weird materialistic cult.

    (02-11-2014 02:21 PM)Jayne Owen Wrote:  Hi Feast,

    Welcome to PT!

    I've never heard of FFF or Maria Davies. I have heard of Gill Fielding but can't remember the context.

    What made you feel uncomfortable about the event, and from the reading here? We're not all scary baddies (though some of us can do a good fright turn on Halloween!!) Wink

    Hey Geoff,

    The course was £500 for 3 days. I only attended the first day.

    I have listed a few of the issues I had with the course above.
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    Jayne Owen @jayneowen

    Editor and Writer: Your Property Network magazine

    Investor: Mozaique Property, South & West Wales and South West England

    Occasional reviewer at The Property Bookshop (@Property_Books)

    Hi and welcome
    It would be interesting to know more, as in, how much was the course and what was it that made you feel uncomfortable?
    My first piece of advice is, "there is no one size fits all strategy to property investment", and not everyone has the persona to follow what is recommended, especially creative strategies.
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    (02-11-2014 02:26 PM)Landlord Geoff Wrote:  and not everyone has the persona to follow what is recommended, especially creative strategies.

    probably the most relevant comment to bear in mind! There are some people that will find a way to do anything bending every rule in the process to achieve their goal. Not necessarily so much wrong with that IMO but how many can actually pull it off?
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    Hey Geoff,

    The course was £500 for 3 days. I only attended the first day.

    I have listed a few of the issues I had with the course above.


    Thanks for replying.
    Unfortunately, you have to put it down to experience.
    You now know that you can get lots of knowledge on PT for free.
    Good luck for the future
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    You did right to walk away, sounds like a load of old shit.

    FYI Maria Davies was the person who heavily promoted Andy Shaw/Passive Investments which went bust taking down millions of investors money, this was back in 2008/9, but I still don't think anyone should listen to Maria's recommendations, she's not giving them to be nice, she just cares about her introducer fee.
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    Not to mention Maria and Gill both took huge sums for referring people to Harlequin! In fact I'd suggest they've both heavily promoted a lot of schemes and now defunct companies.

    I'm astonished people like that continue to trade and indeed sleep at night frankly.

    Perhaps being in a dress makes them more believable!
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    Lisa All comments are for education and information purposes only and do not construe as advice or a financial promotion. No liability is accepted for comments made. If you wish to receive information in an advisory capacity then please contact me about becoming a client. www.keys-mortgages.com

    Also promoted introductions to home trader I seem to remember
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