Midlands – Internet Marketing, Business, Personal Development and PIN Xmas Dinner

If you live in the Midlands or the North, then you’ll want to
know about these events and share them with your friends.

Also, when you get to the bottom – there’s something in London
and an online opportunity so the rest of the country (and World)
don’t feel left out.

These include learning and spending time with the BEST, including
Joseph McClendon, Simon Zutshi, Andy Phillips and Sohail Khan.

Stratford-upon-Avon, Saturday 13th November 2010
Internet Lead Generation Success with Andy Phillips
This is a 1-day workshop for Businesses and Property Investors
When it comes to Business on the Internet, Andy is the Man! 

Burton upon Trent, Tuesday 16th November 2010
The Laws Of Attraction with Joseph McClendon
Head Trainer and Master Instructor for Tony Robbins. Joseph has
taught millions with his ‘Next Step’ event and has toured the
world with Tony Robbins on the ‘Unleash the Power Within’ seminars.
CALL 01889 881488 NOW for more information and to BOOK
Quote: “Bobby Gill” or “Diane Hughes” for best prices

Birmingham, Friday 19th November 2010
Join us for the Property Investors Network Xmas Dinner and Party
with Simon Zutshi and the top UK experts in property. Not to be
missed! Book NOW: http://pin.networkbillionaire.com

London, Friday 19th November 2010 – The JV Club Mastermind
Hosted by JV Expert Sohail Khan and Mark Nathwani
By invitation only – Limited Guest Places Available:

Want to find out what is happening to the economy?
Learn how to BUY GOLD as a savings plan and protect your wealth
Check out this site: http://gold.networkbillionaire.com

I hope to catch up with you before Christmas.
All the best,

Lloyds (HBOS) Gambled and Lost – Next Centre Point London

Find out where the Banks gambled your money and what they’re doing to get some of it back at the cost to other businesses and people! Do you trust your countries Bankers to be HONEST?

11 October 2010: Trust me I’m a banker
By Mark Daly BBC Scotland Investigations Correspondent (Full story: http://www.bbc.co.uk)

Two years ago this week, Scotland’s once-proud banking history was ripped to shreds.

Facing total ruin, Royal Bank of Scotland was rescued by the government. Halifax Bank of Scotland had to be sold off to Lloyds, which in turn had to be bailed out by the taxpayer.

In 2009, RBS paid £1.3bn in bonuses, while Lloyds paid a reported £200m. Both were in the red at the time

We wanted to know more. Remember, RBS is 83% owned by the taxpayer, Lloyds 41% – so it could be argued that we’re entitled to know what they’re up to.

“Bankers are paid much more than executives in any other walk of business life. The idea that you have to pay these people stratospheric sums of money…underwritten by the taxpayer is offensive.” – Economist Will Hutton

“Just remember one thing, the City is full of greedy, ruthless, clever people and they will do what they can to line their pockets with no regard of the impact it has on society.” – Former trader and best selling author of “Cityboy” Geraint Anderson

Mr Tate, who was the highest earning Lloyds director last year with £1.8m, said: “There are a whole lot of people, myself included, who would love to get the kind of return on their investment that the taxpayer has made into this bank. They’ve made an investment that is making money. If you could come up with me, with an investment in the infrastructure which would have returned more for the taxpayers, I’m all ears.”

(What a Banker!)

    m resort las vegas hbos

Tuesday 12 October 2010: HBOS loses millions on Vegas casino
(Full Story: www.guardian.co.uk)

Value of state-owned Lloyds’ overseas portfolio questioned after Penn National Gaming paid $230m for $860m debt

Penn National Gaming paid $230.5m for around $860m owed to HBOS, which included $700m the bank loaned to M Resort Photograph: Alise O’Brien

Lloyds Banking Group, the partially state-owned lender, has lost more than $500m (£317m) on loans to M Resort Spa Casino in Las Vegas – the second massive financial hit the bank has taken in America in as many months.

News of the deal has started attracting attention to the value of Lloyds’s overseas portfolio, much of which it acquired during the unpopular takeover of HBOS is 2008. Market watchers had previously attributed most of the woe associated with that acquisition to lending within HBOS’s UK corporate division, headed by Peter Cummings.

Penn National Gaming, a US gambling group, paid $230.5m for about $860m owed to HBOS International, which included $700m the bank loaned to M Resort plus another $160m loan that HBOS had acquired from MGM Resorts at an undisclosed price.

The debt sale comes two months after it emerged that HBOS International was set to lose “tens of millions of pounds” from dealings with another US client, Sea Island, the exclusive Georgia holiday retreat that filed for bankruptcy in August. In that case, court documents said Sea Island was unable to pay back close to $600m in debts owed to a consortium of banks that included HBOS, which were taken out to fund an ambitious expansion plan. The company said it planned to sell its coastal resorts to investment funds Oaktree Capital Management and Avenue Capital Group in a $197.5m.

The mounting US losses at HBOS are thought to have been incurred in the division previously run by Colin Matthew, a former HBOS board member whose responsibilities included the bank’s international business. He retired from the newly formed group in January 2009 with a pension entitlement of £416,000 a year, having been paid £652,000 in 2008 and £905,000 in 2007.

Lloyds declined to comment on individual impairments, although the group is thought to have already written down the value of the M Resort loans. Following the sale of HBOS to Lloyds, the former HBOS international and UK corporate businesses have all been rolled into a single Lloyds division, making it difficult to analyse where the major losses have been incurred.

One analyst said: “There is an idea that much of the financial crisis was down to a few bad apples. That is a simplification. It has lots to do with the organisational structure of banks. People are not incentivised to sit back and call the cycle.”

Lloyds has been winding down or selling HBOS-owned assets ever since acquiring Britain’s largest mortgage lender. The acquisition, which was encouraged by the UK government, helped Lloyds book losses of £6.3bn last year and pushed the shares, which closed yesterday at 72.65p, down to 19p.

Towering problems: Centre Point in London13th October 2010: High Court reprieve for Centre Point owner in survival battle with Lloyds banking
(Full Story: www.dailymail.co.uk)

The owner of the Centre Point tower in London won a reprieve in its battle for survival with Lloyds Banking Group. London’s High Court granted Targetfollow two weeks to secure investment, despite efforts by Lloyds to force it into administration over £700million of debt. The property developer cannot meet repayments on the loan or repay it in full because the value of its estate tumbled in the financial crisis.

But the group claims it has come up with a number of viable ways to restructure the debt – only to see them rejected by Lloyds.

The part-nationalised bank, 41per cent owned by the taxpayer after a multi-billion pound bailout by the state, wants to seize and sell the properties to recoup some of its money.

It has raised fears within the commercial property industry of a fire-sale of assets and double-dip in prices as banks seeking to unwind toxic loans handed out during the boom years from undermining the recovery.

Lloyds and Royal Bank of Scotland, which is 84 per cent owned by the state, are sitting on more than a third of the £250billion of outstanding UK property debt.

Many of the rotten loans at Lloyds were approved by Peter Cummings, the former corporate chief of Bank of Scotland, which Lloyds acquired by it bought HBOS in 2008.

‘Every week that passes is detrimental to the value of the assets,’ he said. Lloyds values Targetfollow’s estate at just £450million. The company claims it is worth nearer £680million.

The judge adjourned the case until October 25 at the earliest.

Naghshineh, an Iranian businessman, last month said: ‘The whole UK property industry is watching the situation very closely.

‘Any indication that [Lloyds] is starting a process of offloading [assets] at fire-sale prices will hit the property market very hard indeed, just as the recovery is underway.’

Friday 22 October 2010: Lloyds to go ahead with administration of Centre Point owner Targetfollow
(Full Story – http://uk.finance.yahoo.com)

Lloyds Banking Group is preparing to push ahead with administration proceedings against the owner of London landmark Centre Point despite the company claiming it has secured a £150m rescue cash investment.

Targetfollow, led by founder Ardeshir Naghshineh, issued a statement yesterday saying it had agreed terms with a “high-quality institutional consortium” to invest £150m in the business.

However, according to sources close to talks, Lloyds, which is owed more than £700m by Targetfollow, does not support the proposals and still plans to go ahead with a High Court hearing next week about whether the property company is placed into administration.

Targetfollow is breaching covenants on its debts and Lloyds must approve any capital injection, however it is understood that the bank believes the consortium’s terms are “not feasible” and would require it to take writedowns. The offer is a “long way” from what the bank considers appropriate, sources said. Lloyds declined to comment.

Targetfollow is due in court next week after it was granted two weeks to find a rescue investor earlier this month.

The consortium’s proposed £150m aid package would be used to acquire a portion of the debt from Lloyds and to provide working capital to Targetfollow. Mr Naghshineh said: “I believe that this consortium addresses the issues that the bank has raised with the company in the past 12 months, and will pave the way for the bank and the company to move on from what has been a very difficult time.”

Lloyds is managing about £30bn of problem property debt. The downturn in the sector led to the bank making damaging writedowns during the financial crisis. Latest accounts from Uberior Ventures, HBOS’s property joint venture arm, show its investments fell in value by £590m to £345m last year.

You know you’re not from London when…


Bobby Gill Just did a trip on the tube with my nose in The London Paper whilst ignoring everyone. OMG, I may have been infected by Londonitis! :-0


Whilst on the tube I did read a great article by Kirsty Ross about being an expat living in London. I think this applies to anyone from outside the M25 to be honest, it’s a whole cultural shock.


“You know you’re a foreigner living in London when…

• You have no idea what that mess inside the kettle is, especially seeing as you bought it only three months ago.

• Asked, “Alright?,” you answer, “I’m fine, why?”

• Come summer and 17C, you find yourself actually contemplating slipping into a bikini (you too, boys) for the park like everyone else.

• You catch yourself complaining, then cut yourself off, afraid you’re becoming “one of them”.

• You’ve learnt never again to sit upstairs on the number 38 bus at night after breathing in secondary crack smoke from the junkie behind you.

• You’re amused watching Londoners tell off tourists who stand on the left… after learning the hard way yourself.

• You feel raped and pillaged of your annual leave by making an obligatory trip “home”.

• Heading to a summer music festival, you pack your gumboots (aka wellies) rather than your thongs (aka flip-flops) and a bikini/boardies.

• You no longer own sunscreen.

• You find yourself feeling prudish about Page 3 girls.

• People think you are the local crazy lady when you fleetingly smile at them in the street.

• It takes a while to learn what people are talking about when they refer to “the city”.

• You discover that sanitising hand gel exists and learn that you’ll die without it.

• You get weird looks when you mention your “pants are wet”. Meaning, of course, you stepped in a puddle.

• You think chocolate bars are a bargain.

• You keep falling for Ryanair’s “free flights” deal – even though they’re not free – and then bitching about the £10 credit-card fee.

• You discover drugs are cheaper than at home… unless you’re from Colombia.

• You’re the only person making a bee-line for the office window when it snows.

• You go to fill in a tax return and you’re told you don’t have to (huh?).

• You take your piggy bank of trash coins to the bank and learn they’ve never heard of a coin-sorter. Start bagging, bitches!

• You can walk into your kitchen, bedroom and bathroom by pivoting on one foot.

• You can’t believe you have to bag your own groceries… and be the one offering friendly greetings.

• You order a pint and find out the barman went to the school just down the road from where you grew up.

• You find it fascinating that riding on the Tube turns your snot black.

• You used to think the grass is greener back home but began to realise the grass is greener wherever you are now… “

Source: Kirsty Ross is a reporter at thelondonpaper – for one more day. But that won’t stop her from writing about her travel exploits…unless she runs out of food and starts eating her hands. You can follow her Expat In The City blogs at www.kirsty-ross.com

Bringing you the World’s Best in London!

What Would Bobby Do? Move to London 🙂

Many people complain that time and distance to get to events in London is too much – and that’s even before the costs of food and accommodation. For those that are committed to their success you don’t hear any of those excuses, they just do what is needed to get and/or stay ahead.

I used to travel all the time and now I have moved to London (making frequent visits up North to host the Northern Property Network and be on the XL North West Leadership team). I’ve even swapped the YES Group North for YES London when I can make it.

I now get to go to all the major events without travelling too far and meet some fantastic people.
Despite the economy at the moment (which the media says is now recovering but that’s a different story) there are many others who are just getting on with what needs to be done.

I’ve been fortunate enough to know a lot of the events organisers here and they are attracting some great talent. Not only does London have a lot of the country’s best presenters, speakers and business people who you can come and meet anytime – They are now bringing you much more talent from abroad as well!

I can usually get access to advance tickets, best prices and discounts as well! So let me know if you’re hosting or attending an event and I’ll see what my network of friends and associates can do for you.

If you want to keep up with everything going on that is the ‘Best of the Best’ – then join my facebook pages for Property, Business and Personal Development event updates.

For updates into your facebook inbox, join the Group at:
Property Investors and Business Network GROUP
From this group you will be sent messages to your inbox occasionally about twice a month

For a regular stream of events information join the fanpage at:
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From this group you will be sent updates into your feed on a regular basis but you won’t be informed or have to read them all

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Presentation Skills with Joanna Martin

I’m not sure if you’ve heard of Dr Joanna Martin, however you have almost certainly seen the results in action. Joanna’s success in coaching people how to make money has made her one of the highest paid, OUTRAGEOUSLY successful and well-loved speakers today.

In fact, she made over £600,000 in her first 2 months as a professional speaker; and has had a hand in the creation of a number of other millionaire speakers around the world, including Christopher Howard.


Whether you’ve just thought about speaking, just started or are already an experienced speaker ‘Presentation Secrets’ ‘fills in the gaps’ on what other presentation training seminars leave out….How to make money and create a business from presenting.

Joanna has shown Internet Marketers, NLP Coaches and many other ‘experts’ in Australia how to make real money from speaking to audiences large or small, online or on stage, SO if you’re serious about creating a new income stream THIS EVENT IS FOR YOU.

Great news, in October ‘Presentation Secrets’ in coming right here to London and you’re invited!

This is no traditional “platform skills training”. Joanna’s focus is on how you can create new income streams from speaking and information marketing. And she is all set to reveal the 4 (and a half) secrets to bringing in £100s, £1000s, even £10,000s extra income every month through speaking.

Speaking is one of the most powerful ways to position yourself a the expert in your niche , so if you’ve ever been dissatisfied with the results you get from your advertising or marketing
pounds than this is for YOU. Joanna will show you how to magnetically attract new clients just by jumping on the stage and speaking. Some of the results her clients are getting are just

Click here to read all about their successes:


If you want to learn how to deliver a presentation that has clients beating down the door to do business with you, and you’re ready to stop trading your time for money and start working smart – get yourself to this event. I know you’re going to love it.

All the best,