For all of you near Valencia if you can make it on Saturday my wife is running two events. They are together so you don't need to go anywhere else. Firstly, we are going to have a meet the teacher and this is together with the book fair we are running.
Obviously we are very interested in promoting Usborne books because they complement the online reading course for children really well. Check out the site here http://teachyourchildtoread.net/us (And if you are not in Valencia, or even Spain, you can order books directly from there too) However for the local people that are signed up for the course it is also an opportunity to get to know Lynne too and she will be explaining how the course can be used and how the books complement that but also answering any questions that may have come up so far.
If you are nearby and want to see Lynne and participate in the fair it is being held outside Spainsburys supermarket in Lliria If you have GPS then the address is Pza Jaime Roig 1, Marc Cornelli, Lliria.
Book Fair Special.
12 Phonics Books for the price of 4. We have 12 packs remaining of the Usborne First Phonics Series. 18 have been snapped up the first day!!
The book fair and meet the expert session will be from 10.30am-2.30pm depending on the weather and you are welcome to come and talk with Lynne.
If you cannot get there we will be holding a teleconference in October if there is interest so that parents can grill Lynne on all aspects of teaching their children to read and also ask questions about the process. We would like you to send questions in for this beforehand using the lynne@teachyourchildtoread.net email address.
Looking forward to seeing you.
Wednesday, September 30, 2009
Tuesday, September 29, 2009
Raining in Valencia - The Gota Fria
It's that time of year again when the deluge takes everyone by surprise, schools are closed, roads cut off, garages flooded and images of floating cars festoon our TV screens. The Gota Fria has arrived.
So for the uninitiated what is the Gota Fria? It is a monsoon like breaking of the summer that results in things like the below video. Enjoy the video and remember this usually lasts a few days to a maximum of a week. Be prepared for it but also remember that Valencia in general has around 300 days of sunshine per year to enjoy.
If you like the lifestyle information presented here why not sign up for the newsletter which includes loads more information about life in Valencia and Spain and also a free ebook about the process of buying property in Spain. Guaranteed to save you thousands when you buy. Go here to sign up right now and you will get a free ebook about buying a property in Spain explained in stages.
Oh and by the way here is an explanation about how my other site "Houses For Sale in Spain" works
So for the uninitiated what is the Gota Fria? It is a monsoon like breaking of the summer that results in things like the below video. Enjoy the video and remember this usually lasts a few days to a maximum of a week. Be prepared for it but also remember that Valencia in general has around 300 days of sunshine per year to enjoy.
If you like the lifestyle information presented here why not sign up for the newsletter which includes loads more information about life in Valencia and Spain and also a free ebook about the process of buying property in Spain. Guaranteed to save you thousands when you buy. Go here to sign up right now and you will get a free ebook about buying a property in Spain explained in stages.
Oh and by the way here is an explanation about how my other site "Houses For Sale in Spain" works
Monday, September 28, 2009
A Client's Business
One of my clients has started up a new coaching business and she wanted to help promote it here. Therefore I asked her to write a blog. You can see it below. If you have any comment on this particular post then please direct them straight to Tabitha on her numbers below or by mail. As this is a biz op I must do the usual disclaimers here, you must always do your own due diligence just as Tabitha did on any business before committing yourself to it.
Enjoy her blog
"I work with an international team of like minded people who have joined forces in 144 countries to date for the mutual benefit of all of us who are part of this company. The founders of this business have devised a simple 3 step system to create a six figure income in the first twelve months of business and a potential seven figure income by the second twelve months.
You will be shown how to use the now famous "Law Of Attraction" as recently described by Rhonda Burn in her best selling book "The Secret". The Law of Attraction has been written and spoken about by hundreds of Philosophers and countless authors through out the histories. The reason its coming out again now as "The Secret" is simply because for some reason we chose to take no notice of it until now. Having been rediscovered again we have decided to put "The Law Of Attraction" into full practice and most have achieved fulfilling changes beyond their wildest dreams.
You have the opportunity to be part of one of the fastest growing industries in the world today. The industry of Personal Development. This is a chance to join a powerful business which was valued at 14 billion US Dollars in the US alone last year.
Our business is NOT a Franchise business. It is NOT multi-level marketing neither is it pyramid selling.
It is a straight forward direct sales business with a proven 8 years history of complete success. It can be conducted from anywhere in the world. From your own home, in English and in Spanish.
It was clear to me from the outset that by using the products and the business module which is simply following the 3 step system, while following the full training and support at every step of the way. One could achieve financial freedom very quickly.
So if you are like me and want to bring financial freedom in your life and have the time to enjoy it. Then this is the business opportunity for you. There is no previous experience required. No travelling necessary. You will not have to persuade people to buy our products.... or conduct home parties!
I am looking for leaders. For smart motivated individuals who want to improve the quality their lives and their loved ones while making money. Because this is Personal Development, sound business ethics and integrity are of paramount importance.
If this sounds like you and you are ready to grab the opportunity to change your life for the better, to work with like minded people of very high integrity, get paid handsomely while making friends world wide. Then please call me Tabitha Lovelock on 961 982 698 or mobile 607 485 370 or by mail on tabithalovelock@yahoo.com or simply go to our website http://www.passionformiracles.com/
Enjoy her blog
"I work with an international team of like minded people who have joined forces in 144 countries to date for the mutual benefit of all of us who are part of this company. The founders of this business have devised a simple 3 step system to create a six figure income in the first twelve months of business and a potential seven figure income by the second twelve months.
You will be shown how to use the now famous "Law Of Attraction" as recently described by Rhonda Burn in her best selling book "The Secret". The Law of Attraction has been written and spoken about by hundreds of Philosophers and countless authors through out the histories. The reason its coming out again now as "The Secret" is simply because for some reason we chose to take no notice of it until now. Having been rediscovered again we have decided to put "The Law Of Attraction" into full practice and most have achieved fulfilling changes beyond their wildest dreams.
You have the opportunity to be part of one of the fastest growing industries in the world today. The industry of Personal Development. This is a chance to join a powerful business which was valued at 14 billion US Dollars in the US alone last year.
Our business is NOT a Franchise business. It is NOT multi-level marketing neither is it pyramid selling.
It is a straight forward direct sales business with a proven 8 years history of complete success. It can be conducted from anywhere in the world. From your own home, in English and in Spanish.
It was clear to me from the outset that by using the products and the business module which is simply following the 3 step system, while following the full training and support at every step of the way. One could achieve financial freedom very quickly.
So if you are like me and want to bring financial freedom in your life and have the time to enjoy it. Then this is the business opportunity for you. There is no previous experience required. No travelling necessary. You will not have to persuade people to buy our products.... or conduct home parties!
I am looking for leaders. For smart motivated individuals who want to improve the quality their lives and their loved ones while making money. Because this is Personal Development, sound business ethics and integrity are of paramount importance.
If this sounds like you and you are ready to grab the opportunity to change your life for the better, to work with like minded people of very high integrity, get paid handsomely while making friends world wide. Then please call me Tabitha Lovelock on 961 982 698 or mobile 607 485 370 or by mail on tabithalovelock@yahoo.com or simply go to our website http://www.passionformiracles.com/
Saturday, September 26, 2009
Monday, September 21, 2009
Spanish TV and Much More
I know I am always banging on here about how you should learn Spanish before coming here or see and use more of it if you are already here but it is difficult mainly because Spanish TV is quite frankly rather rubbish. If you are in the UK then you can get TVEi on the Sky box, I think it is channel 805 but I could be wrong. But you cannot get 297 Spanish channels.
Now though you can through your PC or Mac. A huge selection of 3500+ channels of which the 297 from Spain include some of the big hitters. Click Here! for more information and for a one time fee you can get not only the Spanish channels but tons of others too.
Well worth a good look. The tendency to move away from the television into the PC or Mac for all your entertainment needs continues apace and remember you can actually connect your computer up to the TV for a bigger and better picture.
For more information about getting free satellite TV every month go to the link and have a look. It is well worth your while and equally you get a guarantee that if you are not satisfied your money back. Can't really go wrong there.
Now though you can through your PC or Mac. A huge selection of 3500+ channels of which the 297 from Spain include some of the big hitters. Click Here! for more information and for a one time fee you can get not only the Spanish channels but tons of others too.
Well worth a good look. The tendency to move away from the television into the PC or Mac for all your entertainment needs continues apace and remember you can actually connect your computer up to the TV for a bigger and better picture.
For more information about getting free satellite TV every month go to the link and have a look. It is well worth your while and equally you get a guarantee that if you are not satisfied your money back. Can't really go wrong there.
Tuesday, September 08, 2009
Banks In Spain. Anyone Want A Conspiracy Theory?
One of the things that you learn when you have lived in Spain for a time is that things are not what they seem in many cases. This may well be why "Spain is Different" still holds true. What on the surface can seem a totally normal thing has millions of tentacles and subplots underneath. Today's question is what are the banks doing? Now Spanish banks look safe and have not had the huge upheavals of the States or The UK. However there is something going on and I would like to make a feww suppositions here as everybody loves a good conspiracy theory.
In the last two months I have had four property deals disappear from under my nose because the banks are turning everybody down for mortgages. And I mean everybody, great credit history, huge incomes, good percentage of loan to value on the property and having money to put down. One of the few deals to have gone through recently meant the bank getting in 143k for lending 90K which if you want to know more about email me, it is quite extraordinary.
So if you want a buy a property in Spain you cannot currently get a mortgage, or can you. All over the country banks are advertising 80-100% deals on mortgages. To qualify you need to be a resident and able to prove you can pay and little else. Non residents, ie foreginers coming over to buy can get up to 80% too and in some cases some banks will go up to 100% but only on one condition:
The purchased property must be one owned by the banks.
Now consider a couple of other factors. Bank owned properties are repossessions and they had a debt associated with them. That debt will eventually become a liability on the bank's balance sheets so they are desperate to get rid of the properties as they are reluctant estate agents. However, they are currently the biggest estate agents in Spain without even a close second. (Not even me I hear you ask)
Most chains of Estate Agencies have gone bust or reduced drastically their network of offices. Most developers have gone bust or sidetracked their businesses elsewhere. This leaves the banks holding the very dirty baby they created by making access to credit much too easy in the past.
If those properties they own pass to the liability side of the balance sheet then their books are not going to look good with an estimated 8-10% non performing loan portfolio looking sure for the end of the year. So what do they do? They stop lending for anyone except people buying the properties they hold. Their stock thus gets reduced and the new debtor will pay back the bank a lot of money over the next 25-30 years, or even 40 to make places affordable, in the long run. Balance sheet looks better magically.
In the last two months I have had four property deals disappear from under my nose because the banks are turning everybody down for mortgages. And I mean everybody, great credit history, huge incomes, good percentage of loan to value on the property and having money to put down. One of the few deals to have gone through recently meant the bank getting in 143k for lending 90K which if you want to know more about email me, it is quite extraordinary.
So if you want a buy a property in Spain you cannot currently get a mortgage, or can you. All over the country banks are advertising 80-100% deals on mortgages. To qualify you need to be a resident and able to prove you can pay and little else. Non residents, ie foreginers coming over to buy can get up to 80% too and in some cases some banks will go up to 100% but only on one condition:
The purchased property must be one owned by the banks.
Now consider a couple of other factors. Bank owned properties are repossessions and they had a debt associated with them. That debt will eventually become a liability on the bank's balance sheets so they are desperate to get rid of the properties as they are reluctant estate agents. However, they are currently the biggest estate agents in Spain without even a close second. (Not even me I hear you ask)
Most chains of Estate Agencies have gone bust or reduced drastically their network of offices. Most developers have gone bust or sidetracked their businesses elsewhere. This leaves the banks holding the very dirty baby they created by making access to credit much too easy in the past.
If those properties they own pass to the liability side of the balance sheet then their books are not going to look good with an estimated 8-10% non performing loan portfolio looking sure for the end of the year. So what do they do? They stop lending for anyone except people buying the properties they hold. Their stock thus gets reduced and the new debtor will pay back the bank a lot of money over the next 25-30 years, or even 40 to make places affordable, in the long run. Balance sheet looks better magically.
Tuesday, September 01, 2009
Cheap Flats Near Port and Formula One in Valencia
If you are looking for a good bargain for money property near the Port and beach in Valencia, not to mention the Formula One track, then these properties could suit you. You can see them in full on the homepage, Valencia Property, but have a look at the video and explanation of what they are and how they offer you good value for money when buying a flat in Valencia. Prices range from 100k to 120K Euros so even the banks may finance.
Related Stories.
1) Looking for a job in Valencia
2) Valencia Property Client Testimonial
3) Price Drops in Valencia
Enjoy reading and watching and any comments are welcome.
Related Stories.
1) Looking for a job in Valencia
2) Valencia Property Client Testimonial
3) Price Drops in Valencia
Enjoy reading and watching and any comments are welcome.
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