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Welcome to 4 Walls and A Ceiling!
OUR MISSION: : Empowering you to create unlimted wealth through property investment!
From day one of your association with us, we will add massive value to your property portfolio/business and help you accellerate your results and achieve your goals. We are highly experienced property investors and you can benefit from our experience, knowledge, and contacts. Experience isn't microwave-able! So learn from the experts!.
REGISTER NOW AND RECEIVE A COMPLIMENTARY COPY OF OUR TOP INVESTOR TIPS!
Very simply, we give you the knowledge, the benefit of our experience, contacts, networking opportunities, resources and support to build your own property portfolio safely and profitably. In other words, we supply a "tool kit" for you to create your financial future. After all, the best possible person to take care of your financial future for you and your family is YOU!
About us, our philosophy, and core values as a company: please see below.
IN BRIEF ... – updated regularly:
News headlines:
• Bank of England holds base rate at 5% (7th August 2008)
• Energy Performance Certificates become mandatory for ALL rental properties on the 1st October 2008. Cost will be between £85 to £100.00 per property and they will be valid for 10 years. An interactive guide to EPC's is available on www.paragon-epcs.co.uk.
• Reseach indicates that the South East and prime coastal areas are the most robust and unlikely to suffer signficiant house price falls.
• Some lenders (Abbey, Halifax, Nationwide, Woolich) are starting to cut fixed and tracker rates on low LTV mortgages. This is because swap rates between banks have recently been reduced. This is a small but positive sign!
• Southern Cyprus has been voted the "No. 1 investment destination in the world" by the readers of Jet To Let Magazine.
• June 2008 tourism figures for Southern Cyprus are up 8.8% from June 2007.
• The media reports a renaissance in the great British seaside holiday and this is proving to be a bumper year for U.K. holiday lets.
• 20% of investors surveyed at The Property Investor Show want to purchase holiday homes in the U.K. to rent out to cash-strapped investors. Properties on the south-east coast around Ramsgate, Margate, and Eastbourne, were the most favoured for holiday lets with high yields.
• The National Housing Federation have predicted that property prices in England and Wales will rise by 25% by 2013. This is because there is still a great demand for houses and the demand will be further prompted by the cutback of new houses on the market as house builders mothball and delay projects during the current housing uncertainty.
• Read what the Finacial Times had to say about the benefits of investing in Southern Cyprus.
 Click here to read what the FT had to say about Cyprus.
Today’s Top Tip:
When it comes to marketing your property for rent - whether it be a holiday let, multi-let, single occupancy, or student let - the most valuable tool in your marketing arsenal is quality photographs. In the internet generation, people scour the internet for their prospective rentals during their lunch hour, so your photographs need to be of the highest standards. Your property must also be presented at its best, and, if necessary "stage" it for the photographs. Turn on all the lights, ensure it is clean and tidy, put the loo seat down, and capitalise on its key points. We recommend having a unique selling point for your property to make it stand out from the crowd. For example, if it's a holiday let, you could put a hot tub in the back garden! If it's a standard buy to let, make sure the house is dressed with pictures, mirrors etc., otherwise it will not look like a "home". Remember that a picture speaks a thousand words, so make sure your photographs do your property justice. (If your house is on the market for a long time, it might be worth taking new photographs to refresh the particulars). We have recently taken this to another level and have started doing video tours of our properties for rent posted on YouTube and then linked from sites like gumtree.com and spareroom.com.
Thought for the day:
The famous investor Sir John Templeton once said "The best time to invest is at the moment of "maximum pessimism"".
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Next networking event:
September. Date TBC.
Seen:
Nick Tadd (Director) on BBC2’s “The Truth About Property” (April 13th 2008)
Guildford Ecademy Netwalk (17th July 2008)
Heard:
Nick Tadd (Director) BBC Radio 4 – 25th and 27th July.
Published:
Vanessa and Nick are set to appear in the October edition of "Coast" magazine in an article about the increase of interest in Camber Sands, East Sussex as a holiday destination. Vanessa and NIck were featured because of their holiday let, "SeaBreeze".
nicksays.typepad.com
Meet us:
4wallsandaceiling.com monthly networking event:, Next event in September date TBC.
What people say about 4 Walls and our events:
"Faith in human nature and investment potential restored!
From what I have observed you are 'getting it right' - spreading the word about sensible, profitable property investment and managing to do it with warmth and energy - without ripping anybody off."
Andrew Fennell
"I am so happy to be part of a forward and alternative-thinking , inspiring group of people. Thanks for consistently sharing information and organising great guest speakers and events"
Claire Thwaites
"Fantastic insight into everything wealth!!!! Some of the most out of the box, thought-provoking insight I have ever personally received. It has been inspiring!!
Clinton Vallis
Connect with us on Facebook:
Nick Tadd
Seabreeze Camber (our stunning U.K. holiday let at Camber Sands available with 10% discount to 4 Walls subscribers). contact nick.tadd@4wallsandaceiling.com for details
4 Walls and A Ceiling
Southern Cyprus Property Investors Group
Speaking engagements:
Vanessa and Nick regularly speak at major property exhibitions and events and appear as contributors on TV, radio, and new media. Alternatively, if you wish to book us as speakers at your event, please email nick.tadd@4wallsandaceilng.com.
About us:
As full-time property investors and Landlord’s ourselves, we have produced this site to support other investors in achieving financial freedom – safely and profitably.
Throughout our investment career we have come across many property companies who promised so much, but in reality delivered very little. This company was formed with the aim of creating a business of integrity, with an excellent reputation, customer service, and high core values. We are committed to always giving a truthful outlook about property, which includes the many pitfalls that we think you need to be aware of.
We hope that you will learn to trust our advice and consider what we are saying. By working together, we can help you grow a solid and profitable property portfolio which will ultimately enable you to live your life the way you want to live it.
4 Walls and A Ceiling is Vanessa Warwick and Nick Tadd. We are a husband and wife double act! We originally became involved in property in 2004 because we wanted to go sailing! Our dream was to own our own yacht and sail around the world. That dream is coming closer every day. We now have a portfolio of U.K. and international investments in excess of £5 million with approx. £850,000 equity. By December 2006, we had built up enough positive cash flow from the rent on our stock of properties to give up our day jobs (we were in the TV industry) and concentrate on property full time. It is vital when investing in property to understand what your goal is and regularly review your progress. WIthout a goal you have nothing to aim for and your portfolio will be misguided and muddled as a result. We can help you construct an efficient portfolio that will help you achieve your goals. For a free portfolio review, please email vanessa.warwick@4wallsandaceiling.com.
In early 2008, Vanessa was nominated as a finalist in the Bradford and Bingley Female Property Investor of the Year Awards. She is also a winner of a Cosmopolitan Woman of Achievement Award. Vanessa has a particular interest in mentoring and supporting other women, as she believes that all women should have financial independence, no matter what their relationship status.
Our investing philosopy - Cash flow is King!
All successful businesses run on cash-flow – it is most definitely the lifeblood of any property business. Therefore, the underlying philosophy of this site is to assist you in purchasing property below market value, in a low/no money down format with positive cash-flow from the rent. We also aim to assist you in running your business efficiently as we believe that time is more precious than money. If you follow our strategies and advice your portfolio will be built on a solid foundation. Indeed, it is our belief that only cash-flow investors will survive the current challenging market conditions here in the U.K., as they will be making money month on month from cash-flow from the rent, and not depending on capital growth. In the U.K. in the current market conditions, capital growth (for equity release) should not be your primary focus. If it is, you are adopting a high-risk and speculative strategy.
We also firmly believe that on-going education, goal-setting, networking, and taking a mid-to long-term view are paramount to being a successful investor. Our catch phrase is "You can never learn less". You can never know it all. We endeavour to learn something new every day and expand our thinking. This is why networking is so important as you can learn from other people who are at a higher level than you, and raise your game as a result.
By registering with us, you will receive the latest property intelligence, news, views, commentary, strategies, solutions, and details of our educational and networking events. You may also occasionally receive details of a property deal that we ourselves are investing in. Our primary areas of investment are the U.K. and Southern Cyprus, as these are the only two countries that currently satisfy our strict investment criteria. We live and breathe property and are engaged in it 24/7, so you can benefit from our extensive knowledge, experience, contacts, and research.
We only recommend products and services we use ourselves, and that we have been totally satisfied with, so, if you need a recommendation, please do contact us.
As an ethical and responsible company, we regularly donate a percentage of our profits to our favourite charities including the Whale and Dolphin Conservation Society, the Woodland Trust, the Dogs Trust, and the David Shepherd Wildlife Foundation.
We aim to build a long-term relationship with our clients and are committed to supporting you in achieving your property ambitions. We will all move our property businesses forward through the momentum of the network!
To your success!
Vanessa Warwick and Nick Tadd (Directors)
This testimonial says it all:
''Hi Nick,
I just wanted to thank you and your team for taking such good care of Christine over in Cyprus. She had a great time, learnt an awful lot, and came back tired but full of renewed enthususiasm for property investment (much needed after 9 months of 'tenants-from-hell' syndrome here in the UK). Christine also gained much from rubbing shoulders with the group, all of whom had something valuable to add both in knowledge and experience terms.
Faith in human nature and investment potential restored!
From what I have observed you are 'getting it right' - spreading the word about sensible, profitable property investment and managing to do it with warmth and energy - without ripping anybody off.
Best wishes,
Andrew Fennell''
Testimonial written on 17/06/07
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