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Bob Diamond Ripoff – Uncovering The Truth

Bob Diamond Ripoff – Previous Barclay’s supervisor Bob Diamond has ventured once more from his job at Atlas Mara as the dish African monetary firm dispatches a key audit of its activities. Mr. Diamond, who established Atlas Mara six years back, is to venture down as administrator as a feature of a shake-up at the gathering and will remain on as non-official chief.

Chartbook Mara, which puts resources into money-related administrations organizations crosswise over sub-Saharan Africa, is to weigh up which markets it will keep on working in and which to leave.

Bob Diamond Ripoff


As a major aspect of an audit of its activities the organization will intend to “guarantee that best five market initiative is practicably reachable in the close term, or to investigate exchanges that will diminish chance introduction where such authority is improbable on an independent premise”. It is likewise considering purchasing a 35% stake in South African monetary administrations supplier GroCapital Holdings from Fairfax Africa, Atlas Mara’s biggest investor.

Mr. Diamond has been the director of Atlas Mara for a long time and at first, accepted the job on a between time premise as the organization attempted to control costs. Chartbook Mara shares have dived about 86% since the organization coasted in 2013. The organization said Mr. Diamond’s arrival as a non-official chief of the gathering will enable him to “increment his emphasis on his other official jobs while proceeding to contribute effectively to Atlas Mara’s development and key heading”. Mr. Diamond will be prevailing by Fairfax Africa supervisor Michael Wilkerson as the official administrator of Atlas Mara.

Bob Diamonds co-founder of Atlas Mara Steps Down

On Feb 6 Bob Diamond step down from the position of chairman and becomes a non-executive director. The organization has likewise delegated Muhammad ‘Omar’ Khan as CFO, viable from April. Mr. Diamond stated: “I am eager to come back to my unique job on the board and to keep on banding together with Michael to quicken the execution of our methodology. “My faith in our desire – to make a chief sub-Saharan African budgetary organization to all the more likely serve mainland and worldwide clients – stays as solid as the day we established the organization.” Veteran broker Mr. Diamond filled in as CEO at Barclays somewhere in the range of 2011 and 2012 – before leaving in the midst of the Labor outrage.

Bob Diamond Real Estate

Bob Diamond Ripoff


Clean House

Ronak Gadhia said that Atlas Mara is mismanaged from the beginning. He said that they are trying to make the wrong acquisition and trying to clean the house and a change in the strategy is needed. BBC business editorial manager Robert Peston said the leaders of the City’s two primary controllers had been unfit to constrain Mr. Diamond out “on the grounds that the ongoing FSA examination concerning how Barclays endeavored to fix the significant Libor financing costs did not discover him by and by chargeable” leading to Bob Diamond’s rip off. It is a cleanser musical drama like no other I can recall in my 30 years of giving an account of the City by Robert Peston Business supervisor FSA manager pummels ‘ravenousness’ at banks “In any case, as a managed establishment, it was outlandish for Barclays’ board to overlook the uncovered wishes of the two most dominant controllers in the City.” Prior, Lord Turner, the executive of the Financial Services Authority, portrayed the shock that has developed over the bank’s activities.


“The critical covetousness of brokers requesting that their associates distort their Libor entries with the goal that they could make greater benefits – has reasonably stunned and rankled individuals, specifically when we are confronting hard monetary occasions incited by the money related emergency,” he told the Financial Services Authority’s yearly gathering.

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Dc Fawcett Real Estate Tips For Investing: Why Cash Flow is King

DC Fawcett complaints that lot of investors buys properties which does not give positive cash flow or build long term wealth. The investment made on right properties always yields higher cash flow returns to the investors. Here are few efficient methods which creates cash flow in real estate investing.

Positive cash flow from rental properties!

If the rental properties are very high and their prices keep increasing very fast then do not buy it. To generate positive cash flow from rental properties you have to buy them at low price and rent for a reasonable rate. By doing so, you can get profit easily. Be mindful that, the monthly rent price should exceed its monthly expenses like down payment, taxes etc.

DC Fawcett Reviews states that investors rent the properties to tenants directly. There are few more ways to get some extra money from your rental properties. For example you can rent the garage of your house separately to someone in your neighborhood and also rent the parking spots to tenants.

Buying and managing the rental properties in a proper way not only get you rent on monthly basis, but also gives you extra money as a profit.

How to flip houses to get cash flow easily!

One more efficient method to generate cash flow is to buy houses, renovate it and sell it for higher price. But the major disadvantage in this method is it is highly time consuming and you need to hire efficient labor. So you can flip one or two houses in a year and concentrate more on other possible ways of investing in real estate.

Never forget that you must buy the house below the market value price and subtract the other expenses like taxes, repairs and renovations etc. Be mindful about the holding cost, selling cost, time to sell the house to new buyer and the cost of labor which could around 50% of total renovation costs.

DC Fawcett complaints that many investor often does the same wrong thing that they do some unwanted and costly renovation works and overprice their homes. The buyer can’t bear the expenses which you made unnecessarily. Hence restrict the renovation costs and do not over price the house.

How financial analysis can help you to get a great deal!

DC Reviews says that many investors keep paying high prices without proper financial analysis. They fail to analyze whether the property will produce enough returns. They blindly believe that the prices will keep increasing and it will generate positive cash flow which rarely happens.

For example, lets say that the investor buys a property for $100000 which generates a rent of about $1500. Excluding the mortgage, taxes and other payments you get $200 per month which is $2400 per year. This is really a good deal and you can go for it. Whereas if your property is acquiring more money than invested then it is a negative cash flow and you can consider to sell the property as soon as possible.

In real estate investing, cash flow is king. Do a proper research and buy properties which give positive cash flow. With a right plan, you can achieve this easily and get the hefty amount as rent every month and build up wealth for long time.

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DC Fawcett Real Estate -How to perform CD Laddering , Why investors need to use an IRA CD , Jumbo CD

Certificate of deposit is a legal agreement where investors deposit money in a bank for a stipulated period of time which fetches significant amount of rate of interest. The time period varies from 3 months to 5 years.DC Fawcett Real Estate

DC Fawcett Reviews-An-exclusive-guide-on-Certificates-of-Deposit

The rate of interest is more if your time period is more than 5 years. Just like jumbo CD, the rule remains the same, the investor is not supposed to withdraw money in between the contract period.

The money deposited in the bank by the investor is used for providing loans to other customer, in other words that’s how funds are rotated in each and every bank.

DC Fawcett has discussed about the basics of certificate of deposit and its types in this article.

  • There is an assurance that the principal amount is insured and there is no chance for losing it which makes this investment safe and less risky. This method is opted by many as rate of interest is offered more for CD than a savings account or fixed deposit in a bank.Dc Fawcett Tips
  • Investors can find banks offering high rate of interest through some research. For example, online banks offer more interest. You can withdraw money within 6 days where you can get your money without losing anything.
  • Money market accounts allow the investors to withdraw money any time but rate of interest is low when compared to a CD and there is penalty fee is not levied. If interest rates are fluctuated, you get the benefit of variable rate of interest in this method.  The flexibility nature makes them more preferable.

Certificate of deposit is the source of funding for money market account.

  • Money market mutual funds are more or less like mutual funds that are used for investment in CD and money market accounts which are sold by bank, brokerage or any financial organization.
  • The interest rate is higher than that of a CD. The borrowing amount is also much more than that of a CD.
  • There are few drawbacks like Jumbo CD, you need to pay penalty if you withdraw money before the date of maturity.  They are not suitable for a constantly fluctuating market.Dc Fawcett Tips 1
  • There is a custom called prime rate where the rate of the certificate of deposit is lower than what they charge for other customers. The premium or classic customers avail this benefit while lending money in order to optimize the profit. The revenue is collected from the interest paid by the borrowers.

DC Fawcett Reviews the different types of Certificate of Deposit (CDs) are available and investor gets to choose one from them.

Traditional CD:

This is the simplest of all the types of a CD. The time period and rate of interest is fixed. At the time of maturity, the amount you receive is a cumulative sum of principal and interest.

Variable-rate CD:

offers an interest rate which is flexible, the investor can get more benefitted than a traditional CD when the rate of interest increases. At the same time, you could get severely affected when there is a decline in the interest rate.

Bump-up CD:

offers a chance to “bump up” to a better interest rate offered by the bank within a particular period of time. You can do either once or twice in the given term.

Dc Fawcett Tips 2Liquid/no-penalty CD:

It allows you to withdraw cash and interest gained before the contract period with a lower rate of interest.

Callable CD:

Your bank will offer a higher rate of interest, but there are chances of calling it off before the contract period which may happen usually either when rates go down or before your term about to get over.

Jumbo CD:

A jumbo CD requires huge capital investment $100,000, you can learn more about in the article published in DC Fawcett virtual real estate investing club.

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investing a part of the retirement account and you get to avail the tax benefits with low risk.

DC Fawcett Real Estate – Why investors need to use an IRA CD (certificate of deposit)

IRA is an individual retirement account; it is a method of saving money for retirement apart from 401(k) scheme.DC Fawcett Real Estate This plan offers tax breaks which makes this scheme preferable among investors. DC Fawcett explains on how to utilize this scheme efficiently.

DC Fawcett-Why-investors-need-to-use-an-IRA-CD-(certificate-of-deposit)

Why investors should prefer IRA?

The IRA is a diversified account of an investor as he/she can make use of this scheme to invest their bonds, mutual funds etc. It can be used as a savings account or CD. There are two types of IRA namely, traditional and Roth IRA. The main difference between both the plans is tax factor.  If you avail traditional IRA, you pay tax when you withdraw in the later stage. In case of Roth IRA, you pay the taxes first and avail withdrawals without tax at the time of maturity. The certificate of deposit offers better rate of interest than a savings account in a bank.  The term varies from 6 months to 5 years. In order to overcome the drawbacks of inflation, the investors have to diversify the portfolio by stocks and bonds.

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Points to be considered while availing IRA

Choose a FDIC -insured bank

  • Not all banks are FDIC insured. Consult a financial adviser who has knowledge about FDIC and the policies. Make sure your funds are accumulated in a FDIC approved bank.


Know about the perks of withdrawing the amount before the maturity, in case an emergency arises you need to know the amount you will be handed over with.

  • Scammers offer IRA with a high rate of interest in order to bring in more investors, often the new investors fall into this trap as they aren’t much aware about the rate of interest usually offered.

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Benefits of IRA CD

  • A huge sum of money is insured through FDIC  insurance
  • Investors can forecast the maturity amount and plan their retirement accordingly.
  • Establishing an IRA CD ladder is easier than portfolio diversification.
  • IRA CD ladder can save the a whole of fees paid during retirement
  • These funds are accumulated to a tax-deferred account.
  • These accounts can be started easily with or without the help of financial planner.
  • They can be used as an alternative option, for e.g. stocks.
  • Tax deductions can be availed.

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Drawbacks of IRA CD

DC Fawcett complains about the issues faced by the investor when they avail an IRA CD scheme.

  • Many investors tend to diversify their portfolio with stocks and bonds in order to save money for healthcare during retirement
  • Inflation cannot be controlled easily; the money can be withdrawn by losing some percentage of money.
  • The contribution is restricted depending on the age factor.
  • Low rate of interest is offered if they start the scheme at the later stage of retirement.
  • The money is locked for a substantial time and returns are low.

From the review,  we infer that there are both drawbacks and benefits of using IRA CD.  To know more about different types of certificate of deposit, please visit DC Fawcett virtual real estate investing club where blogs are written for investors’ purpose.

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DC Fawcett Virtual Real Estate Investing club – How to use a Jumbo CD

A normal CD (certificate of deposit) will have a denomination of minimum 100,000 dollars whereas Jumbo CD’s have large denominations and investors are getting benefitted by receiving an i nterest for the amount deposited.

In this content, you will find DC Fawcett advising his investors about the usage of Jumbo CD, pros and cons.

DC Fawcett Real Estate-How-to-use-a-Jumbo-CD

 Why are they preferred?

DC Fawcett Reviews about the benefits of jumbo CD. The jumbo CD’s are preferred because of risk-free nature and considered to be a stable real estate investment.  The jumbo CD’s are sold by institutional investors like bank, pension funds.

  • Investors are paid with a sum of money as reimbursement during the contract period as they cannot withdraw money over this period. The longer the time period, the higher the denomination, the higher the rate of interest will be.
  • It is considered to be one of the reasonable options for savings as the investor is bound to receive significant amount as returns. Investors can prefer CD’S over savings account in a bank.
  • The most important aspect of jumbo CD’s is the guaranteed return on investment, though there is a bankrupt or market fluctuates, the investor is assured with the principal amount at the time of maturity.Dc Fawcett Tips 8
  • For investors having high net-worth, Jumbo CD’s are offering an option to segregate the investment into parts and deposit in two banks. The amount which is not needed for next 5 years should be only deposited to avoid penalty.
  • Some banks offer a week or two as the contract period to make quick earnings. They are also called negotiable CD’s because you can sell off the CD to someone else; this option is not available for a normal CD.

Jumbo CD’s

  • They are used as collateral without the interference of the bank. We have already learnt about collateral loans, you can check out the piece of content in DC Fawcett virtual real estate investing club,  the investors must also learn how to prevent from real estate scams  as there are many fraudsters who pretend themselves as bankers and offer loans.
  • Consult with your financial adviser before you invest and ask how much can be invested as well. Learn which bank offers a nominal rate of interest and then invest.
  • The investor complains about the issues faced while using a jumbo CD. If the time period of the deposit is longer as well as the denomination, then high rate of interest have to be paid. It cannot be used for retirement savings.

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They are not suitable in an environment where there constant inflation. To earn significant amount in return, you need to sign up a contract period for a pretty long time.

High penalty fee is charged if the investors wish to withdraw the money before the maturity. When you withdraw too early, along with the interest, a portion of the principal amount is deducted.

The amount of interest you incur at the time of maturity is taxable, so investors who like to pay only less tax will not choose this as an investment option. Not every investor can make such a huge capital investment.

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Dc Fawcett Real Estate – How to perform CD Laddering?

How to perform CD Laddering?

CD (certificate of deposit) laddering has not lost its importance in the real estate market. It has few significant advantages. We witnessed a huge dip in the rate of CD’s over the years which have made the investors to look out for other investing options. Dc Fawcett Real estate  advises the investors to keep investing on CD’s and drastic decline in the prices will not have an immediate effect in your investment. One of the traditional methods of saving money which has not lost its value is CD laddering; let’s discuss the benefits in the article.


Dc Fawcett – How to use CD’s?

CD’s are also known as term shares or term certificates offered by bank or credit unions. The money is locked for a particular timeframe assigned by the investor. The amount can be renewed once it matures for the ongoing rate of interest. Early withdrawals can be performed with respect to forfeiture.  Longer the term period, better the rate of interest. The time period differs from 3 months to 5 years. One year offers 1 percent APY (annual percentage yield) and 5 year term offers 3 percent insured by FDIC. The interest is compounded monthly or quarterly when investors choose longer term.

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Benefits of a CD ladder

The investor is having full liberty to choose the time period which varies from 18 months to 30 months. The investors yield returns according to the time period of the investment. If the time period is more, the returns will be considerably high.  The amount to be invested is divided into equal parts with different maturity dates. The interest rate is decreased and investor‘s re-investment risks is declined.

The principal amount and interest are the most important factors of this strategy.  This technique will help the investors to get a steady cash flow because of the different maturity dates. Laddering doesn’t lie in any particular category, it is very liquid when you opt for short –term and illiquid if you opt for long term-CD. This method helps the investor to do frequent re-investment, whenever the CD matures; he /she can re-invest for another term.

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This technique assures there would be no fraudulent or suspicious activity records, it is almost scam free. Real estate investor’s earn potential returns and it can be maximized depending on the frequency of the CD. It offers more benefits than a money market account; the insured nature of the CD ladder makes every investor feel secure. There is no restriction in frequency and quantity of a CD ladder, though you need to qualify for a minimum deposit. The risk can be prevented by choosing the ladder length appropriately. Assign different maturity dates so whenever rates decline, there won’t be huge impact.

The short ladders are more beneficial than long CD ladders. Longer ladders are considered to be aggressive because longer maturities have greater risk when the interest rates rise.  From this review, we find that CD laddering is one of the safest ways to invest money for a long term.

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Dc Fawcett Real Estate – Benefits of Timber frame in condos and town homes

Benefits of Timber frame in condos and town homes

We have already seen how brick homes are sold and the standard quality maintained all these years when constructing a property.  DC Fawcett Real Estate explains the investors about using a timber frame in the construction of properties in recent times.


Timber beam homes

Construction time is quick, prefabricated timber frame takes less time than a traditional home built using bricks. Usually, it takes seven to ten days to bring a team of experts specialized in this type of construction to the site. The work can be done only weather conditions are perfect. Extreme weather conditions are not suitable. It is a dry construction process; the moisture has to be stabilized after it is weather tight. The walls are clad used during board containing a dry plaster. The land should be in dry condition. Structural insulated panels are used for air tight construction which makes a home efficient. Vulnerable to pest attacks.

How timber frame can be used in condos and town homes?

Timber frame influence in real estate is relatively high; it has a significant contribution to properties like steel and brick homes. To sell a home fast, sellers need to construct homes being eco-friendly. Timber frame has insulation capacity and the walls are thin. The timber structure is known for its thermal performance. They prevent moist air. The heat resistant capacity is another exclusive feature which you can highlight while selling the home.

These timber frames can be used in condominiums and town homes as these homes lack sound-proof quality and privacy is not ensured. To minimize loudness, properties can be constructed using timber beams. Dense materials are used to reduce the sound. The party wall is the separating wall in town homes; the sound can be muted by using timber frames.

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Dc Fawcett Real Estate Reviews About Timber Frames

Advantages of timber frame

  • The timber frame is rot resistant. The cladding is well-protected. Insects cannot attack this cladding, provided moisture content is less than 20 percent. You can prevent from fungi.

  • The properties built using timber frame are fire proof

  • Strong and durable, the properties remain strong for even a century. It can protect from extreme weather conditions and natural calamities.

  • Renewable nature
  • For winter, these homes are preferred as the timber frame structure protects from coldness with its moisture content. People frequently turn on and off the heating to maintain the warmth in winter. It gives an aesthetic appearance.

  • Low maintenance
  • Few interior walls are possible.
  • Porches, decks, and patios timber log cabins are designed for outdoor areas to adorn the lawn.

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Cost of timber beam homes

It is considered to be slightly higher than steel and bricks. The design is mostly pre designed. If you want a bespoke design, consult an architect. Customized design is quoted with fixed price. Hire skilled carpenters to do repair work. The cost varies from 150 to 175 dollars per sq.ft.

A basic timber-frame home costs $200-$325 per square foot, $300,000-$650,000 for a 2,000-square-foot home. Home appraisal takes few to several weeks. Approach lenders who have prior experience in handling timber frame condos and town homes; else you become a victim for the scam as many scammers are fooling the first-time home-buyers.

Where can you find timber beam homes?

Minneapolis is known for timber frame homes. They use age-old methods having an open floor plan, high ceilings and beams are crafted. The cathedral beauty of timber frames can be seen in historic monuments which are still strong after several centuries.

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Apart from that, you can use for constructing single-family homes, farm house and resorts near the shore.  The timber frame is preferred by the investors for their second homes or vacation homes. The baby-boomers also love this structural cladding for their retirement homes.

We infer that timber has both advantages and disadvantages through this review. To learn more about cladding, visit DC Fawcett real estate virtual investing club.


DC Fawcett is a real estate entrepreneur come trainer, helping all real estate fervents to achieve their goals by means of his seminar and camps. In addition, he also teaches how to develop a real estate business and produce different income streams.The investors must be aware of scams that may happen when you invest a large amount in a organization, so take preventive measures and invest in a reputed bank.

DC Fawcett virtual real estate investing club has a blog which talks more about absentee landlordism, so tenants who are in need of more solutions can read the blog to tackle the tough situations.