Is Information Available for free on the Internet?

As a nation, we are fixated with the property. And I mean properly obsessed. You’d be forgiven for thinking we all move home each spring, given the amount of porn property programmes there are.

But, of the 23 million households in England, on average less than 900,000 properties are bought and sold each year. So yes, while it’s great to know what you can get for your money, it’s largely irrelevant to the majority of us. We’re just gawking at what Hayley and Paul might buy in Bury St Edmunds. That makes for entertaining telly but doesn’t enlighten anyone about the things they need to understand to make educated, informed decisions about how to protect themselves when it comes to their day-to-day living situation.
I spent two years writing a property column for a national newspaper and each week my inbox was brimming with queries from readers who needed help on a wide range of issues – the majority of which were basics that I thought most folk knew about. Turns out they don’t. Even now I’m amazed how people react when I explain to them that estate agents aren’t regulated by law or have to sit exams before they can set up in business, for example.

As I go about my daily routine, I often get talking to people, taxi drivers for example, and it inevitably comes up in conversation that I’m in the property business. Once that happens, I’m usually asked, “Well „don’t suppose you know anything about…?” If in the time it takes to get from Marble Arch to the South Bank I can give them a nugget of advice that might save them a few hundred (or thousand) pounds then that makes my day. It’s my belief that everyone, regardless of their financial circumstances, should have easy access to straightforward, unbiased knowledge around homes and property and that’s what inspired me to write this blog.


become financial advisor

While there is a wealth of information available for free on the internet, most of the time people ‘don’t know what they don’t know’, or for that matter, where to look to find out more. I know there will be folk who say some of what I’ve written in this blog is stating the bleeding obvious. Well, that’s great, because if they know this stuff already then clearly they don’t need my help. But for those who are dealing with a problem for the first time, and just can’t see the wood for the trees or don’t know where to go for help, it can be scary and confusing and, crucially, can lead to costly mistakes.

That’s when you need someone to point you in the right direction, which hopefully is where this blog will help. I’m not saying any of this is rocket science, but what I have attempted to do is compile a `roadmap’ to provide you with all the basic information in one handy place so you can dip into the various chapters when you need them. I’m a big believer in taking advantage of any free resources, so where relevant I’ve tried to steer you towards where you can get more information and expert guidance that won’t cost you a penny.

With over twenty years’ worth of wisdom to draw on, I’ve based much of Property Uncovered on my experiences, both as a property professional but also from the perspective of being a flatmate, tenant, buyer, seller, landlord and home owner. I’ve worked on the basis that if it’s happened to me, it could happen to you. Therefore you get to benefit from my having had to learn the hard way.

So, as you read this blog, picture you and me sat down over a nice cup of tea, chatting about a load of stuff that you need to understand, but don’t quite know where to start. I’ll try not to make it too boring for you, but we’ll cover all the important things to make sure you’re properly clued up. It’s a conversation rather than a ‘how to’ manual; I want you to feel that I’m going through this with you, that you’re not on your own and that help is on hand should you need it.

Now, go and put the kettle on, and we’ll get started…

P.S.: None of the companies or organisations referred to throughout this blog have paid any commission or fee to be included. I’ve simply recommended them to you as they are sites or companies I use myself, and have always found their services or content to be extremely useful or helpful, or they have been a valued contributor to this financial advice BLOG.

And if you tired enough go jump on jet ski with fishing rack form Strong Outdoors and rock and roll.


How to Stay Out of Debt: Warren Buffett – Financial Future of American Youth (1999)

How to Stay Out of Debt: Warren Buffett – Financial Future of American Youth (1999)

Buffett became a billionaire on paper when Berkshire Hathaway began selling class A shares on May 29, 1990, when the market closed at ,175 a share. In 1998, in an unusual move, he acquired General Re (Gen Re) for stock. In 2002, Buffett became involved with Maurice R. Greenberg at AIG, with General Re providing reinsurance. On March 15, 2005, AIG’s board forced Greenberg to resign from his post as Chairman and CEO under the shadow of criticism from Eliot Spitzer, former attorney general of the state of New York. On February 9, 2006, AIG and the New York State Attorney General’s office agreed to a settlement in which AIG would pay a fine of .6 billion. In 2010, the federal government settled with Berkshire Hathaway for million in return for the firm avoiding prosecution in an AIG fraud scheme, and undergoing ‘corporate governance concessions’.

In 2002, Buffett entered in billion worth of forward contracts to deliver U.S. dollars against other currencies. By April 2006, his total gain on these contracts was over billion. In 2006, Buffett announced in June that he gradually would give away 85% of his Berkshire holdings to five foundations in annual gifts of stock, starting in July 2006. The largest contribution would go to the Bill and Melinda Gates Foundation. In 2007, in a letter to shareholders, Buffett announced that he was looking for a younger successor, or perhaps successors, to run his investment business. Buffett had previously selected Lou Simpson, who runs investments at Geico, to fill that role. However, Simpson is only six years younger than Buffett.

Buffett ran into criticism during the subprime crisis of 2007–2008, part of the late 2000s recession, that he had allocated capital too early resulting in suboptimal deals. “Buy American. I am.” he wrote for an opinion piece published in the New York Times in 2008. Buffett has called the 2007–present downturn in the financial sector “poetic justice”. Buffett’s Berkshire Hathaway suffered a 77% drop in earnings during Q3 2008 and several of his recent deals appear to be running into large mark-to-market losses.

Berkshire Hathaway acquired 10% perpetual preferred stock of Goldman Sachs. Some of Buffett’s Index put options (European exercise at expiry only) that he wrote (sold) are currently running around .73 billion mark-to-market losses. The scale of the potential loss prompted the SEC to demand that Berkshire produce, “a more robust disclosure” of factors used to value the contracts. Buffett also helped Dow Chemical pay for its .8 billion takeover of Rohm & Haas. He thus became the single largest shareholder in the enlarged group with his Berkshire Hathaway, which provided billion, underlining his instrumental role during the current crisis in debt and equity markets.

In 2008, Buffett became the richest man in the world, with a total net worth estimated at billion by Forbes and at billion by Yahoo, dethroning Bill Gates, who had been number one on the Forbes list for 13 consecutive years. In 2009, Gates regained the position of number one on the Forbes list, with Buffett second. Their values have dropped to billion and billion, respectively, Buffett having lost billion in 12 months during 2008/2009, according to Forbes.

In October 2008, the media reported that Warren Buffett had agreed to buy General Electric (GE) preferred stock. The operation included extra special incentives: he received an option to buy 3 billion GE at .25 in the next five years, and also received a 10% dividend (callable within three years). In February 2009, Buffett sold some of the Procter & Gamble Co, and Johnson & Johnson shares from his portfolio.

In addition to suggestions of mistiming, questions have been raised as to the wisdom in keeping some of Berkshire’s major holdings, including The Coca-Cola Company (NYSE:KO) which in 1998 peaked at . Buffett discussed the difficulties of knowing when to sell in the company’s 2004 annual report:

That may seem easy to do when one looks through an always-clean, rear-view mirror. Unfortunately, however, it’s the windshield through which investors must peer, and that glass is invariably fogged.


Dr. Boyce Watkins Offers Financial Advice to The Breakfast Club

Dr. Boyce Watkins Offers Financial Advice to The Breakfast Club

Power 105.1FM – Breakfast Club: Dr. Boyce Watkins interview

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Best Money Advice We Ever Got: Forbes Wealth Wizards

Best Money Advice We Ever Got: Forbes Wealth Wizards

Ben Stein, Kelly Phillips Erb, Ramit Sethi and other money gurus reflect on the best financial advice they ever got.

The Meaning Of Money:
How To Get Rich:


My Jet Ski Fishing Experiences

My First Trip on Jet Ski And Fishing


It wasn’t easy to jump on PWX and fish the same time. Telling you a story that it’s hard to believe even now after two years. I was on the trip to Florida with my friends Jackie and Robert. We planned for this escape a long time ago. We wanted to ‘get lost’ in the woods.


Forget about everyday struggles and just relax at the shore.


We’ve landed in a the beautiful town where you can hear birds and all the nature’s sounds. We rented a couple of waverunners and with our rods we were ready for tomorrow’s jet ski fishing. On our PWCs were installed cool racks design for attaching rods and coolers. Great stuff really – they called it PAC-RAC from Strongoutdoors. 2 rods each of us me and Robert plus two cases of beer in the cooler. We call it a trip!
Relax and enjoy the video:




JET SKI FISHING accesssories



Home Delivery Gold IRA Infographics

Pat Robertson: Financial Advice, Budgeting, Investing, Finance, How to Reduce Debt (2009)

 Pat Robertson Financial Advice, Budgeting, Investing, Finance, How to Reduce Debt (2009)


Home Delivered precious metals IRAs

Infographic sml

Credits to:


Home Storage Gold IRA Legal Issues

Interesting Facts On Legality of Home Storage Gold IRA

Recently I have received an e-mail about Home Storage gold IRA, it was very long and interesting.

Filled with questions like these:

  • I have a custodian for my checkbook IRA and my LLC. How would I proceed with opening a home storage IRA for gold? What are your fees, and where do I find info that says I can hold the gold myself? My custodian thinks they have to control it in storage and charge me annually for allowing me to do that.
  • I have an annuity and the way the plan is structured now it is invested in different investment accounts The Plan provides the investment accounts. We have no say but to use the IA the plan offers us Is it possible to substitute the investment plans with gold as long as we let it sit until we are legally able to pull it out I’m talking about actual gold – not a gold certificate.
  • How are purchases priced? What are the setup fees and annual fees determined?
  • Is Home Storage Gold IRA legal?

401k rollover to Home Storage IRA

Could the government come to my home and take my metals away from me. I will get through it in just a while.

Is the money invested in gold backed IRA qualified as Federal IRS maximum per year deduction? I feel safer storing my own Gold in our safe at home IRA with our security systems and fire rated safe bolted to concrete floor in downstairs.

What is the process of moving from IRAs to self held GOLD; Does the process cost or is there the typical early withdrawal fees and taxes; how long does it take to make the move and is it coordinated personally?

I’ve been told that a golden IRA must have the gold in an approved storage facility. Can it now be self-stored? Also, what types of gold and silver qualify for the IRA

I notice that your web site states that the owners of an IRA (gold IRA) can assume personal possession of the gold, etc. Would you confirm, please. Typically, I thought that in such cases, the metals were stored in one of the several locations in the US. Thanks..

Can you confirm the various fees, I cannot find it at the website. Setup? Annual? Per transaction? Does your firm create the LLC, or do I? How is it legal to hold bullion coins at home in a Roth IRA? Your company seems to be the only one offering this?

I am trying to set up my checking account so I can transfer funds to Augusta. They are asking for my Augusta Account Number, but I can’t seem to find it.

I owned a rental property, and I have registered as an LLC in Colorado. Can one of my IRAs purchase that LLC as a check writing, self-directed IRA and purchased precious metals through it?