If you own investment property then you will be well aware of The Credit Crunch. Whether this is a good thing or bad, whether you will massively profit from it or go bankrupt, very much depends upon Your Knowledge And Strategy. Toby Hone is an experienced property investor and landlord, who has written an eBook that offers advice and guidance on Surviving The Credit Crunch and, at just £14.95, it’s a “MUST READ”… It only takes one tip from its 86 pages to recover its modest cost many, many times over.
==> http://www.the-home-place.co.uk/page30.php
Any book is only as good as its author though, so a little about Toby Hone first: Toby is a UK-based full-time landlord who has been investing in property for the last 8 years, during which time he has built a multi-million pound property portfolio using a variety of methods, including new-builds with substantial discounts, refurbishing and remortgaging, repossessions, splitting freehold property into leasehold properties, developments etc. and has managed his own tenants. He holds an Honours Degree in Marketing and a Major Degree in Economics. In other words, Toby knows what he’s talking about!
The Surviving The Credit Crunch eBook begins with an in-depth look at both the US and UK property markets: both the surprising number of similarities, and the many differences, between them. The facts and statistics supporting this analysis are first-rate, and Toby has very obviously done his homework very well (exactly as you would expect when somebody with a degree in Economics researches their own specialist field). Toby then proceeds to put forward a well reasoned opinion as to where the UK property market will head, over what timeframe, and why. Suffice it to say that he does not necessarily agree with many pundits in the UK press, and his logical and well-founded arguments make compelling reading.
==> http://www.the-home-place.co.uk/page30.php
Having established where Toby thinks the UK Property Market is going though, doesn’t change where it currently is. To this end Toby looks at the areas that should be of concern to you, your portfolio and your cash-flow situation. These include, but (because I’m not reproducing the entire table of contents here) are not limited to:
Mortgages: Fixed rate deals expiring; Standard Variable Rate (SVR); Cash-flow projections; Talking to your lender, when and why; Improving your credit score; Last resort measures; etc.
Rent: Is it competitive? Maximising rental yield; Changing rent frequency; Reducing void periods; Other ways to improve rental income; etc.
Deposits: Are they sufficient? Tenancy Deposit Schemes; Inventories; A unique form of deposit protection.
Daily Operations & Costs: Letting Agents - advantages & disadvantages; Reducing management charges; Maintenance & repairs; Admin fees; Debt collection; Insurances; Corgi Certificates; Energy Performance Certificates (EPC); 18 essential tips to reduce costs; etc.
Other Areas: Personal expenditure; Personal mortgage; Portfolio mortgages; Insurances; Reducing debt burdens; Building cash reserves; Managing taxes; Selling properties; Buying properties; New ways to make money from property; Creating goldmines; etc.
Toby breaks every one of the above subjects, and more besides, down into their detailed sub-components and then, piece by piece, offers advice that may help you around, and even out of, problems in these areas. I challenge anybody not to learn something from this book that will recover its modest cost many times over.
==> http://www.the-home-place.co.uk/page30.php
How does Toby know all this though, all these problems and solutions, and how can we be sure he hasn’t missed anything out? In Toby’s own words “This property portfolio guide has been compiled using input from a number of professional landlords, solicitors and mortgage brokers, each specialising in different areas and with unique insights into the key areas that impact a landlord. I look forward to receiving your comments and feedback and I hope this guide will give you some practical insights into the many different ways of improving the cash position of your portfolio and if applied, the various ideas should help save you thousands of pounds in cash and ultimately help you survive the credit crunch.”
Certainly you already may be aware of some of what Toby says, but I don’t mind telling you that I picked up a few good ideas from reading Toby Hone’s book on Surviving The Credit Crunch, and I challenge you not to as well!
To get your copy of the eBook, go to Toby website and download your own copy NOW. If you don’t, then it’s £14.95 that you may later regret not having invested in yourself, your financial education and your property portfolio:




