Home renovation: Love thy neighbour

While you’re not required by the UK Building Regulation to consult your neighbours about your proposed renovation, its a good idea to keep them in the loop.

It is normal practice to record the state of neighbouring properties both before work starts and at completion, and you are responsible for making good any damage.

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Discussing your plans with your neighbours can also ease the way if you need a party wall agreement. In England and Wales, work carried out on a part of your property that adjoins your neighbours’ must comply with the Party Wall Act 1996. The Act covers work that might have an effect on the structure or support function of any wall on the boundary line, including garden walls.

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

10 practical ways to motivate yourself to success

Its your life, your future and your opportunity to take. However, your success in life, business and career depends on your vision and passion to succeed.  From time to time your enthusiasm wanes when faced with challenges, and there’s no one else to pick you up and get you going again.  Below are ten ways to motivate yourself.

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  1. Get a plan – If you haven’t got a written plan, it’s time to get one and always read and use it to remind yourself why it is you’re doing all this for. We all lose sight of the vision from time to time – bring it back to life.
  2. Breakdown your plans –  Challenges can be overwhelming, breaking down your plans into smaller tasks and conquering them one at a time is the best practical solution.
  3. Plot your course – Use your broken down plans and plot strategies that link them together to arrive at your ultimate goal. Treat it like a puzzle, where you take the smaller pieces and put them together to form the bigger picture.
  4. Place it on the wall – Get a visual picture of it on your wall where you can see them. Graphs and pictures are better than words.
  5. Check your health – Losing motivating might be is a sign of physical or mental illness/fitness. Check it out and do something about it. It’s easier to be motivated when you’re fit and well.
  6. Ask for or support others – If you’re married, in a relationship, at work, have family or friends, it has to be their challenge too, ask for support. And if possible support others as this will motivate you.
  7. Check your champions – When you’re feeling down, it’s good to check on your progress with those you look up to. You might be surprise to see that you’re currently better than you thought.
  8. Use some fresh air – Are you feeling overwhelmed? Open the window or go out and breath in fresh air. Marvel at the natural world and the beauty of its creation, it might put things into perspective.
  9. Take time out –`If you’re feeling demotivated you need some time to yourself. Clear space in your diary and focus on your needs rather than the needs of others around you. You need you to take care of others.
  10. Celebrate – A joyful soul is a healthy soul and a source of strength. Always find cause to celebrate. When you hit a target have a party even if it’s just you alone. Mark each success along the way.

 

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Don’t spend your money on luxury cars & lifestyle, invest it in houses – Ruiz Sr

When Andy Ruiz Jr bought a new white Rolls Royce his father was not happy.

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“I told him ‘Andy, this is your last car, don’t buy any more,'” Andres Ruiz recalls.

“I said, if anything, buy a Rolls Royce and rent it out, make money. You can make $30,000 a month on it.”

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The newly crowned heavyweight champion of the world’s first purchase after he dethroned Britain’s Anthony Joshua in July was a car for his mother Felicitas ,  he has since bought his dad a new truck.

He also paid $1m cash for a new home. Ruiz will earn more than $10m in Saturday’s rematch in Saudi Arabia.

“Like a father, I told him to stay humble – don’t spend the money, invest it in houses,” Ruiz Sr tells BBC Sport.

The advice, at least on car purchases, did not stick. The 30-year-old recently bought a Mercedes G550 jeep – a car that sells for over $100,000 – and as cameras filmed him pulling on to his driveway he simply said with a smile, “another one”.

Source: BBC News

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UK annual house prices increase below 5% on average

Annual house price growth across the UK’s major cities increased to 2.9% in October as southern markets showed signs of recovery.

Property values in London rose by 1% in the past year, the strongest pace of growth for two years and reversing the 1.1% dip recorded during the previous 12 months.

There was also evidence of firmer pricing in cities across southern England, according to the latest Zoopla Cities House Price Index for October.

But it was not all good news, with the rate at which house prices are rising slowing to below 5% in the most buoyant cities for the first time since November 2012.

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The housing market is currently at an interesting crossroads. During the past two years, the market has been characterised by subdued or falling prices in London and southern regions, where affordability has become increasingly stretched, and rising property values in cheaper northern markets.

But there are signs the situation is now changing. House prices in London registered their strongest gains in two years, while less than a quarter of London postcodes suffered falls in October, compared with 85% a year ago.

The shift in house price momentum in the capital has been driven by a decrease in the number of new properties for sale, which has restricted supply.

At the same time, there are signs that demand is picking up, which, combined with the falling supply, is pushing prices higher.

By contrast, although growth in property values is still strongest in northern cities, there are signs that the pace of gains is beginning to slow, with no city posting annual house price inflation of above 5%.

Meanwhile, the announcement of the General Election on December 12 is expected to bring forward the traditional seasonal slowdown seen in the run up to Christmas
Source: Zoopla Property News

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Dennis Bebo – MSC, BSC, DEA, CeMAP

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UK household debts excluding mortgage rose to £119bn

Debts excluding mortgages are on the rise in the UK, according to the Office for National Statistics.

Debts including credit card debt and personal loans rose 11% to £119bn in the two years to March 2018, according to the ONS study, which is published every two years.

Average household financial debt rose 9% to £9,400.

Debt graphic

Much of the increase is a result of higher student loan and hire purchase debt.

“The figures are skewed slightly by the £32bn of student debts – which the vast majority of graduates will never pay back in full,” said Sarah Coles, personal finance analyst at stockbroker Hargreaves Lansdown.

“However, even excluding that we’re carrying £87bn in loans, credit cards, hire purchase agreements, overdrafts and arrears.”

Source: BBC News