Business Awards 2018

6 Apr

Peter and I were really honoured to receive The Best of 2018 Award for 3rd place in Financial Services in the UK. This was voted for by our clients so thank you for your vote of confidence in us.

Power of 4 – BalancedInvesting 

22 Jun

Four category investing is about creating balance and safety within your investment portfolio. During the Great Recession of 2007-2014 many investors who specialised in just one area went bankrupt particularly if that area was property. Those that survived, thrived and increased their wealth were 4 category investors. Why? Because when one category is down another is up. 
During the Great Recession property went down lenders called in mortgages, rents dropped and arrears went up. Unemployment was high many were on benefits. Share prices went down fortunes were lost. On the reverse side Self employment accelerated especially Network Marketing. Gold and Silver prices had phenomenal growth. 
Whatever the economic climate at least one of the 4 categories will be down while another is up. 
Protect yourself and invest in all 4 categories.

The Power of 4

19 Jun

As a kid I was always told everything comes in 3’s. As an Investor I’ve discovered that’s wrong as everything comes in 4’s. If you want to be wealthy and build your dream lifestyle you need to embrace The Power of 4. 
What are The 4 Powers? 
1. There are 4 Investment Categories- Property, Paper, Business and Cash.
2. There are 4 support Pillars – Fundamental Analysis, Technical Analysis, Risk Management and Cashflow
3. There are 4 Investment levels – Foundation, Income, Growth and Speculation
4. There are 4 Key Investment Skills – Leverage, Compounding Effect, income Producing Assets and use of Good debt. 
Are you using The Power of 4?

Property Investing

10 Apr

Property Investing 
When it comes to property Investing most people automatically think of residential property. But there are many more opportunities available.

Last week I sold a garage. Garages have become a popular investment over recent years. They are generally low cost and versatile. No licenses required and a simple coat of paint between renters and they are ready to go for the next renter.
Garages can be used for parking a car. Used as storage units. In London they are being converted into bedsits. So popular are garages these days that they are the new growth area for property investors.
You can download a simple rental agreement from the Internet- there is a fee. And quickly be earning money from your investment.
Research last year into garage rentals and I found one company that owned 15,000 garages. 
Garages offer a great entry into property investing.
For more information about investing visit our Facebook Group – The £2.73 Club

From Zero To Millionaire 

29 Oct

Join us on the 26th November and learn how to go From Zero To Millionaire

Click on photo for details 


Thank you 

16 Feb

Thank you to everyone who has supported this blog site.  We now have an interactive Facebook Group. We would love to see you there.

The £2.73 Club


22 Dec

For two month I’ve struggled. An old injury with my back reoccurred. This caused a fall and I fractured my foot. I’ve spent weeks in bed or simply resting in front of the fire.  While I could spend the time feeling sorry for myself the forced hiatus has provided lots of opportunities.

I’m a member of a personal development book club. Books have been building up waiting for holidays which is usually the only time I get to read. Over the past 2 months I can say my reading is almost up to date. My mind busy processing information and brimming with ideas for the new year. 

I love learning and go to training courses a few times a month. Lack of mobility slowed this down. I have however, discovered webinars. Brilliant training from the luxury of my own home at hours to suit me. 

There has been plenty of opportunities to sit with my laptop and write. Several books are in the pipeline for the coming years. 

And finally, planning. I can’t wait to get mobile again and put into practice all the plans I have made for 2016. 

Wherever you are and whatever you are doing there are always opportunities around you. Just take a moment to see them.

Enjoy the festive season and be ready to hit 2016 running for an incredible year. 

Investments Create Business Opportunities and vicer versa

23 Nov

Investments create business opportunities and business creates investment opportunities. It’s a continuous cycle and it begins with you and your ideas.

There are only 4 categories to invest in Business, Cash, Property and Paper. Business generates cash, cash provides the money to buy property or paper assets. As each asset grows there are more opportunities to build other streams of income. With each income stream a new business opportunity will present itself.

Using property as an example. By building a property portfolio there are services required to run the portfolio each of which can be a separate business. A management company can be created to manage your portfolio and the portfolios for other property investors. An inventory company can be formed to do 3 monthly rental property checks for your portfolio and other customers. Other potential businesses can be cleaning, maintenance, gardening and utilities. Each providing a service to your property portfolio investment. Each business can have external customers to allow a more organic growth within the business structure.

As each company becomes a successful standalone business it will generate more profit and income which can then be added to your cash pile for reinvestment into more properties and more paper assets. As each company grows it will need more suppliers for the business which can be new businesses created by you.

There are various ways to grow your business. Franchising is one where you sell a successful business model providing access to your proven systems. This will allow a business to grow without the normal exposure to overhead and financial liabilities that often stifle business growth.

In the previous blog we discussed changing the mindset to that of an investor. With an investor mindset you will continually see opportunities around you. Sometimes, there are so many opportunities it’s hard to decide which to put into the ‘not now’ categories and which to put into the ‘yes, now’ category.

Business can be used to offset taxes legally and reduce tax liability on investments. An accountant is the best person to advise you on which structures will fit best within your investment strategy.

The next time you are wondering what you can invest in remember – Investments create business opportunities and business creates investment opportunities. It’s a continuous cycle which starts by investing in you and your ideas.





Change your Mindset

9 Nov

There are 4 categories for earning income – Employee, Small Business Owner, Business Owner and Investor. Each category has a different mindset. A different way of thinking about business and money. The mindset you develop will determine your success in each category.


The mindset for an employee is usually based around ‘What’s In It For Me?’ They will be concerned with the hours they work. How much money they get paid either on an hourly basis or salary basis. How far do they have to get to work? What sick leave entitlement will they have. How much holiday pay? Is there a pension.

Small Business Owner

This is probably the worst category to be in but this category results in employment for 80% of employees. A Small Business Owner will be thinking about products and services; marketing; customers; staff; the location of their business; what equipment is needed; infrastructure; accounts; pay; pensions; hours of work; travel; holiday pay; holiday coverage; legislation and the list goes on and on.

Business Owner

A Business Owner is someone who has grown their business to such an extent they now have managers who run everything for them. Their mindset will be based around the structure of their business; how managers are performing; strategy for the business and are targets being met; is the business local or international; financials and legals although they will have specialists who deal with each area for them.


An investor will have a totally different mindset from the other 3 mentioned above. An investor is focused on

  • ROI (Return on Investment) how much will it be and is it worth the effort.
  • Exit Strategy – how quickly will you get your capital back? The quicker your money comes back to you the quicker you can get it invested elsewhere and be earning more investment income
  • People – who are the people who want to do business with you? What sort of track record do they have? Are they someone you think you can trust to invest with?
  • Markets – are they investing in the right market at the right time? They will look at investment cycles and determine if this is the best time to invest in that category
  • Taxes – legal ways to reduce tax liability

Which mindset do you have?

Do you have the right mindset for what you are doing right now?

Each mindset can be learned through practice. By being aware of where you are at this moment you can decide which mindset you need to move to the next level of where you want to be? Practice the mindset that suits that level best. Once you have the right mindset the rest will fall into place naturally.

Only you have the ability to change your mindset and change your outcome.


19 Oct

What is P2P and can it form part of an Investment Plan?

In New Zealand in the 1990’s there was a little lending scheme run by some wealth management companies which allowed private investors to invest $500+ into privately lent money schemes. The money was normally secured against a farm or land development. Interest rates were high and paid on either a quarterly or six monthly basis. This was my first introduction to P2P lending.

In 2000 when I arrived in the UK this type of investment was not easily assessable. How times have changed. Lending was traditionally the domain of Banks and Building Societies. With the Great Recession in 2008 onwards Banks & Building Societies stopped lending and Peer-to-Peer (P2P) lending companies such as Zopa, Rate Setter, Thincats and Funding Circle became the norm.

P2P offered lenders, such as you and I, the chance to earn higher returns for lending small amounts of money. The maximum you could lend to one borrower was £10. Several lenders were needed to make up loans of £1000 for borrowers. You were paid interest each month on your money but you took the risk if the borrower failed to repay the loan.

Over recent years the main P2P Companies have introduced a repayment guarantee by putting aside money into a pot so if the borrower defaults your payment plus interest is guaranteed. You now have a very secure investment with interest guaranteed at a better rate than can be obtained through a bank.

Interest rates vary depending on a variety of reasons. Level of risk to the borrower. A* borrowers will be given loans around 3%. Higher risk borrowers could be up to 10%. Once the company’s management fee is deducted. Usually 1% there are still some good returns available for investors.

P2P investing fits nicely into a ‘Cashflow’ style Investment Plan. It provides regular monthly income which can easily be invested back into further loans simply by using the automatic invest option on your P2P account. This will increase your return on investment per year to greater than the advertised interest rate due to the compounding effect.

Regular automatic investment amounts can be set up with a standing order from your bank to your P2P lending account. The P2P company will immediately, upon receipt of your deposit, queue your money to be loaned to a customer on a first come first lent basis.

Once you are earning a reasonable income per month you can vary the amount reinvested and drawdown income as you require simply by removing the automatic invest option and manually allocating the amount to be reinvested.

If for any reason you find you need your money back quickly there are opportunities, with conditions, to resell the loans to other lenders and get your investment back.

Some SIPP (Self Invested Pension Plan) companies have their own P2P lending schemes which can be included in SIPPs. Watch out for the fees though as some have a minimum charge and a minimum investment per year requirement. Check the small print and if there is a repayment guarantee.

The government announced in last year’s budget that P2P would be available through ISA accounts. This has taken longer than anticipated to come into effect. As I write this I am not aware of any ISA opportunities. But things change on a daily basis so you never know how quickly this could be available.

P2P has come a long way since from the privately offered investments in the 1990’s to one which offers every individual the access to high return guaranteed investments on small investment amounts. Good compounding effect structure and guaranteed returns. What more can an investor ask for?

Karen Newton is an Entrepreneur, Investor, Author and Speaker.  For more information visit