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Contact Information
Tel: 0845 838 1947
Fax: 020 7990 7998
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Frequently Asked QuestionsRanjan BhattacharyaRanjan is a widely renowned public speaker on property investment. He speaks at on average 2 events each month, up and down the counrty to audiences of upto 200 people. Here are some of the most frequently asked questions which Ranjan is asked about property investment and his Property Investment System:
1. Is it ‘game over’ for property investment? Am I too late? Can I still make money today?Three things have got to happen for you to grow concerned about the future of UK property market. You can start to worry when:
Seriously, can you envision a time when people won't be buying and selling property? Can you imagine a time when people won't want to be financially independent? Of course not. That's why I am so confident about property. As long as people need roofs and families grow kids, property is a sure bet - barring, of course, another Great Depression. In which case, we'll just keep playing the game at lower prices, because even in a depression, people still need a roof over their heads and families still grow kids. Ok Ranjan, I want to know more about your Proven Property Investment System.
2. Is it difficult to find properties which generate significant positive cash flow?Positive cash flow properties are not hard to find if you know where to look and how to find them. However, some people give up too early and when they can’t immediately find a property that meets the formula. My response to this question is comprehensive so please take the time to read it carefully. If you make the mental shift to understand how and where to find these properties it will set you apart from the crowd. The first thing is to know how to recognise an opportunity when you see one. Some people have become millionaires simply by following my easy to follow step by step proven property investment system. Please understand that some of the biggest opportunities in life are not going to come chasing after you. You need to go looking for them AND you need to know what they look like when you find them. To do that you need to educate yourself. As Michael Stevens from Southampton said: “If you are looking to start investing in property with years of practical experience and a proven property investment system behind you from day one, then this is definitely the course for you..”
Ok Ranjan, I want to know more about your Proven Property Investment System.
3. Cash flow properties don’t enjoy capital growth. Is this true?This is a complete misconception that many property investors buy into and it simply isn’t true! There are basically two ways to make money in property. One is through capital gains and the other is through cash flow from rental returns. Some of the capital gains enjoyed by property investors have been very substantial and create the impression that this is the major reason for holding property. While I enjoy the capital gains of property investing, I think it is a safer strategy for the future to focus on positive cash flow rental returns. The cash flows from your properties offer you a greater degree of certainty and security than the speculative opportunity of a capital gain. For long periods of time, real estate appears to do nothing. Then all of a sudden it may increase dramatically and before you know it, the value of your properties seems to skyrocket as buyers scramble to buy up everything they can get their hands on. Rents on the other hand, tend to be far more stable and predictable. During property booms, rents will have trouble keeping up with the escalation in property values, however they tend to climb steadily in small increments as the rental demand continues. If you are investing in average properties, in average areas, you will generally find a tenant and the worst case scenario may be that you have to drop the rent by £10 a week. This is hardly a major risk! Ok Ranjan, I want to know more about your Proven Property Investment System.
4. What about the horror stories of tenants trashing rental properties?I’ve heard these horror stories too but I can honestly say that they have never happened to me. I believe the key to stress free property management is good tenant selection, proper tenant referencing and firm property management. If you (or your managing agent) check out your tenants past history, check up on their references and generally interview them, you will usually sort them out fairly quickly. Ok Ranjan, I want to know more about your Proven Property Investment System.
5. Is it better to buy new properties rather than old because new properties are easier to maintain?When you buy a new property you would certainly expect to have fewer maintenance issues than with an older property. But, how much you are willing to pay for this benefit? Invariably you will pay a premium for buying a brand new property compared with an equivalent ‘second hand’ property in the same area. When you are buy older properties, you are dealing with individual owners who probably bought the property many years prior. They are likely to be making a profit on their original investment and are often more negotiable as to price and terms. If you spot any defects to the property, these can help reduce your purchase price considerably. My experience has been that the cost of repairs to older properties is not nearly as great as some people may imagine and in most cases does not warrant the extra investment for a new property. I find I can obtain more properties for the same investment (therefore more tenants and more cash flow) than if I invest in new properties. Ok Ranjan, I want to know more about your Proven Property Investment System.
6. If I buy property at the lower end of the market, won’t this attract problem tenants?Don’t buy bottom-end properties and don’t buy top end properties. I advocate buying average properties in average areas which can be rented out to average tenants at average rents. Typically the people that rent these properties are solid, working people on average wages. Ok Ranjan, I want to know more about your Proven Property Investment System.
7. Do I need previous experience to apply your property investment system?Many who have attended my one day seminar or purchased the home study course have never invested in property before. Your desire to succeed is far more important than your previous experience. Your previous education, qualifications or financial skills are also unimportant. You can succeed with my proven Property Investment System regardless of where you are right now. The Property Investment System provides you with all of the necessary information, strategies and techniques to Build Your Property Empire. Some of our delegates have purchased just one or two properties while others have built million pound portfolios. The choice is yours. So no matter who you are, how old you are or how experienced you are, you can do this successfully. You just need to be willing to have a go. Ok Ranjan, I want to know more about your Proven Property Investment System.
8. The thought of managing tenants scares me. Is there an easy way of dealing with this?Absolutely! Find yourself a good Managing Agent, tell them what you expect of them and keep a close eye on what they do. Be willing to change your property manager if they do not perform to your expectations. The Property Investment System contains full details of how to make sure you select the right Managing Agent. On the other hand, managing your own property will save you agents fees and will make you more cash flow. The Property Investment System comes with the bonus product; Manage Your Property Empire which is a collection of 30 forms, templates, tenancy agreements and standard letters which you can use to manage your own property and save thousands on agency fees. Ok Ranjan, I want to know more about your Proven Property Investment System.
9. Can you guarantee I’ll make money using your system?No, and we can’t find the best deals for you either. You have to do that yourself. You need to have the personal motivation to get out of bed in the morning and want to be a successful property investor. The Property Investment System provides you with the information, strategies and techniques you need to Build Your Property Empire. It contains basic information as well as advanced strategies in a step-by-step easy to follow style. Investment in property is the cornerstone of most investment success stories and I encourage you to have the courage to put my Property Investment System into practice. Ok Ranjan, I want to know more about your Proven Property Investment System.
10. Can I use your techniques anywhere?Personally, I invest in London and this is where I apply my Property Investment System for myself. Many people say that the London property market is tough and I would agree with that. However if you have the knowledge and a Proven Property Investment System you can make significant returns while others have given up and are trying their luck in Bulgaria. I always say that you can always make money in your own back yard. If you can’t then what makes you think you can make money thousands of miles away in another country? I say to my students if my Property Investment System has been working in London over the last few years then there is no reason why it can’t be applied anywhere in the UK. Ok Ranjan, I want to know more about your Proven Property Investment System.
11. There are loads of people selling seminars and home study courses. What makes Ranjan Bhattacharya different to others?A very important question. I have a long and respected reputation for independent, impartial property investment education. I am a regular speaker at major industry events such as the Property Investors Show and the Home Buyers Show. I have also been an advisor to television programmes such as Channel 4’s Property Ladder. Most importantly, I am first and foremost a property investor myself. I practice what I preach and the vast majority of my income comes from my property investment activities and not from training courses. There are many people out there who sell courses who haven’t bought a property themselves in years because they are now full time in the training business! I do not sell any off-plan property deals or any other real estate investment product. YourPropertyEmpire.com focuses purely on property investment education. I prefer to show you how to find your own deals because finding deals this way is far more profitable and much more fun In other words I do not stand to profit from your investment decisions. Another aspect that makes me stand out from the crowd is that I truly walk my talk. To me being wealthy is about having the time and money to do the things that you value most. It’s about living the life you choose and spending time with those you love. Here’s something else that makes my Property Investment System unique. It’s not just some introductory course which is the first step of a more comprehensive and expensive ongoing course. It’s everything you need to succeed with positive cash flow property investing. I hold absolutely nothing back. My Property Investment System gives you everything you need to build your positive cash flow property empire now. You don’t need anything else. Another factor that sets me apart from the others is that I teach strategies which you can apply consistently and with low risk to you. By following my suggestions, you won’t make huge profits in a boom only to lose out again in a bust. They may not be as spectacular as the clever tricks of some promoters but at least you’ll be able to play the game for the long term. I have personally experienced booms and busts, high and low interest rates, high and low void levels and I know how to deal with them. Some seminar presenters teaching you how to become a millionaire by next Wednesday have not been in the game long enough to know how to deal with the changes in the market. My strategies are proven, tested and have survived the test of time. Ok Ranjan, I want to know more about your Proven Property Investment System.
12. I’ve already invested in property before. Is there anything I can learn from this course?Absolutely! Even though this course contains all the necessary information for beginners to get started it also contains many advanced strategies and techniques to:
This Property Investment System contains far more information than any other course I have seen so far… and if you don’t agree with me, there is a 90 day no quibble money back guarantee! Ok Ranjan, I want to know more about your Proven Property Investment System.
13. I know nothing about property investing at all. Is this course going to be too advanced for me?Not at all. My Property Investment System contains everything you need to get started in a step by step fashion. It’s easy to follow and understand. You will also learn advanced ideas and strategies to help you build and protect a large property portfolio if you choose that path. Ok Ranjan, I want to know more about your Proven Property Investment System.
14. If I read property discussion boards about property investing, do I really need to invest in this course?Quite a few experienced investors have commented that the Property Investment System gave them a whole new perspective on property investing (just read through some of the testimonials). Even though they had read and studied widely, they still learnt something new from this course. You may be a successful property investor already and could be overlooking opportunities which I reveal to you in this course. I will show you how to achieve better rental returns from your investment properties through more astute property selection. People who could easily be considered to be well-educated property investors have discovered that the knowledge they gained from my Property Investment System was far more valuable to them than their investment in the course. …and of course if you don’t agree with me, there is a 90 day no quibble money back guarantee! Ok Ranjan, I want to know more about your Proven Property Investment System.
15. I don’t have a lot of money to invest. Does it still make sense for me to invest in the course?Regardless of how much money you have to invest, you still need to acquire the necessary knowledge before you invest. Once you have the knowledge you may find joint venture partners who have the money but not the time or the skills to seek out lucrative investment deals. They may want to work with you and provide the money so you both can benefit. Without investing in my proven Property Investment System you will have neither the knowledge nor the money. Since you need the knowledge first it makes absolute sense to invest in the course now. Ok Ranjan, I want to know more about your Proven Property Investment System.
16. What if too many people follow your strategies? Does that affect my chances of success?Absolutely not. There are plenty of opportunities in this world and there is a continuous supply of tenants regardless of the economic circumstances or the prevailing interest rates. Do not worry about other investors. They are no threat to your success whatsoever. Just focus on searching out the best deals for your own investment success. Ok Ranjan, I want to know more about your Proven Property Investment System.
17. Do you offer ongoing support?Yes. If you have any questions after you have studied the Property Investment System please feel free to call our office on 0845 838 1947 during office hours or email us at ranjan@yourpropertyempire.com and we will be pleased to help you. Please understand however, that we are not financial planners or investment advisers and therefore our comments will be of a general nature only. Ok Ranjan, I want to know more about your Proven Property Investment System.
18. What is the success rate of people who have purchased this course?As you will see from the testimonials we provide, many of our delegates have had excellent success through implementing my Property Investment System. Some have built multi-million pound portfolios while others have chosen a more modest path. Your level of success will depend on your willingness and commitment to put these strategies into practice. I know this Property Investment System works because I am still using it today and I am achieving results. That’s why I am confident in offering a no quibble 90 day money back guarantee. Ok Ranjan, I want to know more about your Proven Property Investment System.
19. How do I get the money to start investing?Before you worry about the money, I suggest you invest in your education. You don’t really need the money until you know what it is you want to do and how to go about it. Once you have the knowledge, you can go about finding the money. You may even be surprised to discover that once you invest in your education, sources of finance become apparent to you that you had not thought of previously. It’s a bit like climbing a mountain. When you are at the base of the mountain your perspective is rather limited and you cannot see what is beyond the mountain. As your climb the mountain, your view changes. It is broader and you can see further into the distance. Once you are on top of the mountain you will see where to go to from there. You have a broad perspective and can see many more possibilities that were obscured from the base. When you are at the base of the mountain, it is irrelevant for you to worry about where to go from the top. The only thing that counts is to climb the mountain. You can sort out everything else later. You just need to take one step after another and climb that mountain. That’s why I suggest your first step is to invest in your education right now. Don’t worry about anything else. Just focus on learning and you will discover a whole new world opening up to you. It’s important to realise however, that this world will not open up to you until you have made the commitment to learn. As I am known to say: “Your bank balance reflects your investment in your own education.” If you own your own home or any other piece of property, you may have equity in this property which you can use to purchase one or more investment properties. If you don’t own any property and have a well paying job, you may be able to start on your investment portfolio straight away. It may depend on how much you have in savings or what type of loan you can get and the type of property you want to invest in. You may also find some joint venture partners who are willing to work with you to invest in property for your mutual benefit. Believe me when I say to you: investing in your education is more important than worrying about where the money will come from to invest. Ok Ranjan, I want to know more about your Proven Property Investment System.
20. Is it always a good time to buy property?Some people say yes. I say it depends on the overall market trend, current interest rates and the particular property you are looking at. There are good times to buy property and there are even better times. I prefer to buy during times when the sellers are more negotiable. This will be at times when demand is low and property prices are stable or falling and when it takes a long time to sell a property. It stands to reason that when the market is hot, your chances of negotiating a good deal are lower than when the vendor is struggling to sell his/her property, particularly if he/she is under pressure. Good deals can still be found in a strong market but they can be harder to find and are more easily recognised by those people who have done their homework and who know what they are looking for and where they are most likely to find it. Sometimes it just makes sense to learn, study, do your research and to invest when the time suits you. When the market is hot in your particular area it may make sense to check out other markets that may not yet be as buoyant. Ok Ranjan, I want to know more about your Proven Property Investment System.
21. Do property prices ever fall?Most certainly! Anyone who tells you otherwise doesn’t know what they are talking about. Property is no different to other markets that go up and down with supply and demand and the desire (or need) of particular vendors to sell quickly. The good news is that property is not as volatile as some other markets and even though values may pull back a little for a while they often tend to stabilise rather quickly. The other point here is that if you don’t need to sell at that time, it won’t really affect you. Here’s another important distinction to be aware of. The types of properties I advocate are: average properties in average areas that you can rent to average tenants at average rents. This is the biggest sector of the market. This is the sector that experiences the smallest impact in an economic downturn. It’s the top end of the market that gets hit first because tenants scale back their accommodation expenses in a financial squeeze and look for something cheaper. That means that the demand for average properties actually increases! They may not be as glamorous as some of the higher priced properties but they are certainly more solid and predictable and you can own more average properties for the same investment that you would need at the top end of the market. I would prefer to have 3 properties for £100,000 than one for £300,000 because with three properties I have split my risks three ways. If one of my tenants moves out, I still have another two to pay the mortgage. If the one tenant in the £300,000 property moves out, your cash flow stops. Which would you prefer? Ok Ranjan, I want to know more about your Proven Property Investment System.
22. If property is so great, why do you bother with seminars and courses?This is a very good question indeed. Have no doubt that there is no better and easier way for me to make money than by implementing my Property Investment System. However, making money is not the objective behind my property education activities. By implementing my Property Investment System, I have achieved financial freedom. Achieving financial freedom means I now have the time and freedom to do the things that I want to do and not necessarily the things which I need to do. I really enjoy sharing my knowledge and experiences with others. I get a genuine buzz from it. It is quite easy to do the maths to see where the money is in the property education business. The money comes from combing property education with selling people property deals to delegates. (Just look around at the other providers of property education courses and seminars and you will see that most provide property deals also.) I don't believe it is possible to provide property education and supply property deals while keeping your integrity. This is because,
My Property Investment System is about what has worked very well for me and what now working out very well for my delegates also. The reason I am sharing this knowledge is because I genuinely enjoy doing so. Thats also why I only provide property education and do not supply property deals.
Ok Ranjan, I want to know more about your Proven Property Investment System.
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