Legal implications if a tenant dies Without an Executor OR Will! IMPORTANT

The below is correct as of writing (13/11/2015 including fees quoted) however as per all UK law's, it is subject to change with no notice so please ensure you check the relevant pages on gov.uk before enacting upon the information given

We have recently had a tenant who passed away without a Next of Kin, or a will, which possession procedures after such an event are a little different and it is quite possible that some of us may not know this. So I am therefore posting the below steps you need to follow. You can of course also find the procedures on the gov.uk website

NB: If your tenant dies without an Executor OR will, then the tenancy is automatically transferred to the Public Trustee.

NB: You can’t take back a property automatically even if the tenancy was due to end and You risk being fined if you try to repossess a property without following the below:

To reclaim your property you must:

• Order a NL1 form (it has a cost of £5.05p) and will be sent to you via Royal Mail
• Post or deliver a letter to the tenant’s last known address saying you’re giving written notice.
• NB:you do not need to wait for the NL1 to arrive to issue the notice letter)
• You must then send a copy of the notice and the completed NL1 form to the Public Trustee
• Then you must register the notice with the Public Trustee

When writing the notice, you must address it to:

“The Personal Representative of [full name of the tenant who died] of [last known address for the tenant who died]”

We are informed by gov.uk that even though the ‘Public Trustee’ won’t accept photocopies of the official form, we could recreate our own which they would then accept? this didn't make sense to us so we therefore purchased an official form – for the sake of £5.05 in our eyes it didn't make sense to ‘test the system’.

The official NL1 form sold by Oyez at this link http://www.oyezstore.co.uk/LT-product-details.asp?id=4714

You will need to make a payment of £40 to register the notice. Pay by cheque or postal order, payable to ‘The Public Trustee’.

Recap of what you need to send to the Public Trustee:
Send the Public Trustee all of the following:

• A copy of the written notice
• The completed application form to register the notice
• Your payment for the application to register

The address to send the documentation and payment to:

The Public Trustee 

PO Box 3010 

London 

WC2A 1AX

What Happens Next?
You will be informed by letter of the outcome, and it will be decided that:

• Your application is registered - you’ll be told the date it was put in the register OR
• Your application is rejected, e.g. because your application is incomplete

The Public Trustee aims to respond within 15 working days of receiving your application and payment.

Finally, You will be able to search the Public Trustee’s register if your notice is registered. You will want to do this to check that you can legally rent the property again etc.

Prescribed Information and Section 21s (Additional to Deposit Prescribed Information)

My apologies in advance smile emoticon this is another rather large property related post, which I recommend anyone who has property in England reads. This post refers to an update to the Housing Act 1988...

The below is correct as of writing however as per all UK law's and government led initiatives, it is subject to change with no notice so please ensure you check the relevant pages on gov.uk before enacting upon the information given

From 1 October 2015: New requirements under the Housing Act 1988, referred to as The Assured Shorthold Tenancy Notices and Prescribed Requirements (England) Regulations 2015, come into force and are summed up as succinctly as I can below:

There is now a requirement for landlord to provide ‘Prescribed Information’ in relation to your rental property’s documentation and certification.

However, by calling it prescribed information, the government will no doubt have caused confusion because to most landlords ‘Prescribed Information’ refers to tenancy deposits AND it still does – the below is a different ‘Prescribed Information’ you are STILL required to give to your tenant 'Prescribed Information' in relation to deposits.

NB: Should you not follow the new regulations you cannot serve a VALID Section 21 Notice to your tenant.

The New (additional) Prescribed Information Is:

1. A copy of a Valid Gas Certificate
2. A copy of a Valid EPC
3. A booklet written by the government called ‘How To Rent’ – Available from: https://www.gov.uk/government/publications/how-to-rent

NB: The new booklet states ‘That a copy of a Valid Electrical Certificate’ SHOULD be provided – you are still not ‘legally required’ to hand this over to the tenant but assuming you are crossing your t’s and dotting your i’s, I would suggest that you also provide a copy of your Electrical Certification IF you have one.

The new requirements as previously stated include a booklet which the government is not being providing in hard-copy to landlords, (only in printable PDF format) which means you will be required to print it – however you are allowed to provide it to your tenants by email should you wish.

The problem I foresee with providing the booklet via email, is that it is impossible to prove the tenant has received their copy. e.g. they could have given you an acquaintances email address claiming it was their own. The acquaintance opens it and deletes it before the tenant sees it! So even a read receipt does not prove that your tenant received the booklet – it just proves that they received the email in which the booklet is contained – and this no doubt will become a well-used excuse in court in the future.

With the above in mind I would always recommend you provide a physical copy and get it signed by the tenant, as part of your tenancy pack. Use a receipt form and get the tenant to sign that they have received the 3 required documents for this legislation.

The current regulation states that a landlord WILL NOT be able to legally serve a Section 21 Notice until the above has been provided to the tenant, therefore I also advise that you provide the booklet when you serve the Section 21 Notice – as this will then prevent any possible claims that the tenant didn’t receive the documentation

And at the moment it isn't 100% clear if you will need to provide future revisions to your tenants (e.g. when the booklet is updated) the general consensus is no, you won’t need to. But you will need to keep up to date with any changes to this legislation to ensure you don’t fall foul of any change which suddenly requests that you do provide your tenants with revisions.

I would also provide tenants with copies of the property’s certification upon every renewal of the certificate(s).

I just want to stress that as well as providing the new ‘Prescribed Information’ you are still REQUIRED to provide ‘Prescribed Information’ in regards to any deposit taken from a tenant. – sorry for repeating myself

Preventing Retaliation Evictions as per sections 33 and 34 of the Deregulation Act 2015 (ENGLAND ONLY)

Following on from my last post, I would again advise that if you have properties in ENGLAND, that you read the Deregulation Act 2015 to familiarise yourself.

The below is correct as of writing however as per all UK law's and government led initiatives, it is subject to change with no notice so please ensure you check the relevant pages on gov.uk before enacting upon the information given

From 1 October 2015 1, sections 33 and 34 of the Deregulation Act 2015 came into force in ENGLAND ONLY, “preventing retaliatory eviction”

Basically, the new rules have been introduced to protect tenants from their landlord serving a section 21 (two months’ notice), Not only can it prevent a section 21 being served, in certain circumstances relating to HHSRS (Housing Health and Safety Rating System) The new Act can even render a valid service of a Section 21 INVALID

Deregulation Act 2015

The new legislation creates two protection layers for tenants who fear a retaliatory eviction, if they have complained about the condition of their rented property.

The first protection states a Section 21 notice CANNOT be served within a certain time period when a landlord has had notice served on them under HHSRS (This is the case EVEN IF any works contained in the HHSRS notice are completed within the LHA’s given time-scales).

The Second protection states that any tenant that asks for works to be completed and a section 21 notice is subsequently served in retaliation to that request, then the notice may be rendered invalid.

If a HHSRS notice has been issued to a landlord in respect of a residential dwelling the landlord CANNOT serve the tenant with a section 21 notice for at least 6 Months from the day of the service of the HHSRS (For suspended HHSRS Notices – 6 months from when the suspension ends)

For this purpose, a HHSRS notice is classed as: -

• An improvement notice served under section 11 of the Housing Act 2004 (category 1 hazards), and/or 
• An improvement notice served under section 12 of the Housing Act 2004 (category 2 hazards), and/or 
• A notice served under section 40(7) of that Act (emergency remedial action). 

As always, it isn't black and white with new legislation and grey areas are created; e.g. we all understand the 6-month rule is now in place and we cannot issue a Section 21 Notice if we are served with a HHSRS notice under the above guidance, however there are exclusions when a section 21 CAN be issued and the 6-month rule can be disregarded:

If the improvement notice was served in error or is quashed
Where a HHSRS notice has been served but the works specified in the notice was caused by the tenant being in breach of their tenancy
The Section 21 Notice can be issued, if the “Property is genuinely on the market for sale.”

How to define whether a “property is genuinely on the market for sale”, is not included the legislation, therefore it appears that a court will need to be used to decide this very important factor, however, there is some guidance on what is NOT classed as “genuinely for sale”

For example, if the landlord intends to sell the landlord’s interest in the property to—

• A person associated with the landlord, 
• A business partner of the landlord, 
• A person associated with a business partner of the landlord, or 
• A business partner of a person associated with the landlord. (see the legislation to define these roles more thoroughly) 

NB: The legislation DOES NOT prevent the sale to a business partner etc., however the new retaliatory eviction rules will still apply to the new owner as well as the old landlord. It is also not stating the above is a conclusive list of what is classed as NOT genuinely for sale, e.g. Putting a house on the market on the same day as serving a Section 21 Notice and then taking it off the market the following day is not likely to be classed as “genuine”,

What is HHSRS? (Housing Health and Safety Rating System)

Simply put HHSRS is “a risk-based evaluation tool to help local authorities identify and protect against potential risks and hazards to health and safety from any deficiencies identified in dwellings. It was introduced under the Housing Act 2004 and applies to residential properties in England and Wales.”

For more information on HHSRS: Please see gov.uk

As mentioned there is also a second level of protection for tenants against retaliatory eviction for requested repairs to the property

In order for a section 21 notice to be classed as invalid, there are rules that must be followed in a specific order.
Second Level of Protection

A Section 21 Notice will be invalidated and any possession claim will fail when ALL of the following applies (and in the following order)-

1. Prior to the section 21 notice being given, the tenant made a complaint in writing to the landlord (or agent) citing the condition of the property.

2. Upon the tenant making a complaint, the landlord -

• Did not respond within 14 days, or
• Provided an inadequate response to the complaint (NB: the landlord is required to respond and providing the response is ADEQUATE, any section 21 served at that stage would be valid.) and/or
• Gave the tenant(s) a Section 21 Notice in relation to the property.

And following the response of the landlord (or lack of response after 14 days)

3. The tenant will then need to have made a complaint to their relevant LHA regarding the same issue (or mostly the same) as the complaint made to the landlord, and

4. The LHA has then served a relevant HHSRS notice in response to the complaint and the section 21 notice was not given before the tenant’s complaint LHA (it was given before the service of the HHSRS notice).

NB: the complaint can refer to any part of the property including common parts which the tenant is entitled to use (e.g. in HMO).

It is important to stress that above must be followed strictly! and if an order for possession is made before point 4 above (service of a HHSRS notice) even where the section 21 may have been given after a written request for repairs, the notice will still be valid.

Just to clarify, a landlord is still able to issue a Section 21 Notice to enable them to sell a property if required. Regardless of the above new rules, if the “property is genuinely on the market for sale” it will be classed as a valid Section 21 Notice.

Changes to SECTION 21's in ENGLAND ONLY (As part of the Deregulation Act 2015)

I would advise that if you have properties in ENGLAND, that you read the Deregulation Act 2015 to familiarise yourself.

The below is correct as of writing however as per all UK law's and government led initiatives, it is subject to change with no notice so please ensure you check the relevant pages on gov.uk before enacting upon the information given.

There are MASSIVE changes to Section 21 of the Housing Act 1988 from 1 October 2015 for new Assured Shorthold Tenancies (AST's) in England.

Under the new Deregulation Act 2015 which came into force in England from 1 October 2015, there are drastic changes which, if you haven’t already been informed, will affect how we, as landlords utilise Section 21’s and begin court proceedings.

For example, under the new Act, Landlords are now prevented from issuing a section 21 notice early in a tenancy (including the day of signing a tenancy) and there will also be time limits to enacting upon the notices

Currently this is applicable to ENGLAND ONLY, although we believe – and it is only speculation at the moment, but we are led to believe that similar if not the exact same rules will be introduced to Wales in the very near future possibly under the Renting Homes Bill (Wales). - more on this bill in the near future

So when can a section 21 now be served?

Any tenancy (Dwellings ONLY) which begins on or after 1 October 2015, CANNOT be served with a section 21 notice within the first four months of the tenancy. This is also applicable for tenancy replacements or renewals (For ease of reading a renewal is between the same landlord and tenant for "substantially" the same premises),

It is important to note that:
This does not apply where a statutory periodic tenancy has arisen at the end of the fixed term. So technically it is possible to reduce the four month limit by giving a shorter fixed term. e.g. you could issue a one month Fixed Term Tenancy (on or after 1 October 2015) and then once the tenancy has developed/changed to ‘statutory periodic’, a landlord could then serve a section 21 notice.

HOWEVER, as awesome as that sounds to us landlords (and even though the government headlined the changes to landlords using that statement) it seems that when introducing the new legislation the government overlooked the fact that:

“a court cannot order possession until at least six months has elapsed since the original tenancy”,

so it is unclear at the moment for what reason the above has been implemented,!

Referring back to the enacting upon the notices’ new time limits:

Where the section 21 notice was required to be 2 months (e.g. on a standard tenancy 6 month AST), Any notice you issue only stays in place for a maximum of SIX MONTHS from the date on which the notice was GIVEN (the date the notice was served) – Which means if you don’t act upon it and start possession within the 6 month specified time limit you will be forced to reissue another notice and wait for another 2 months before being able to begin court proceedings.

If the notice that you issued was required to be greater than the standard 2 months (e.g. where the rent is paid quarterly), then you must begin proceedings for possession within a maximum of FOUR MONTHS from the date of EXPIRY on the notice (the required possession date on the notice) – Meaning that if you don’t act upon it within the specified time limit you will be forced to reissue another notice and wait the specified timescales before being able to begin court proceedings.

DATES to NOTE:

As of writing, NONE of the above applies to an Assured Shorthold Tenancy (AST) granted before 1 October 2015 nor to any statutory periodic tenancy arising on or after 1 October 2015 where the original tenancy was granted before 1 October 2015.

As of 1 October 2018, the above will apply to ALL AST’s in England including any that were granted before 1 October 2015 (Including those that became Statutory Periodic).

Registering as a Landlord in Wales (As part of the Housing (Wales) Act 2014)

Wales: - the introduction of the Housing (Wales) Act 2014 is one of the biggest things to hit the sector in nearly 2 decades. And with the introduction of the new legislation comes a raft of changes which we as landlords will need to be aware of and undertake to be compliant of (yes along with everything else we need to be already be compliant and aware of)

I am going to cover various aspects of the legislation here over the coming few weeks - I will also discuss other areas of the UK however the below is (at the moment) only applicable to Wales!

So The first major point regarding the new act is the time-scales. The act is already being phased in however the parts of the act relating to private rentals and private landlords is due to be enforced from "Autumn" 2015 (Specifically from 23rd November 2015) - this date had been pushed back 3 times so we are now grateful that the new regulations are law and that everyone can now work from the same book of rules!

With the introduction of this new legislation, landlords and agents must within 12 months of the above date, comply and become registered and/or licensed via Rent Smart Wales. This will mean that:

1. All private landlords who have a rental property in Wales must register themselves and the addresses of their rental properties in Wales
2. Landlords who undertake defined letting or property management activities at a rental property in Wales MUST ALSO apply for a licence. 

However...If a landlord instructs an agent to do such work on their behalf, it is that agent who must become licensed

To become a licensed landlord in Wales, you need to prove your competence by undertaking a training course and taking a multiple choice question and answer test. The qualification in Wales is provided by Rent Smart Wales, but they have many different training providers - please visit the website to see more about the training and companies involved.

For your Information:
Any of our clients which use our Fully Managed Service (Kevin Green Lettings) we are fully compliant with the new legislation. Therefore as a landlord all you will need to do is register your property addresses.

Wow! What a great time in Vietnam

My latest globe-trotting mission has been to the amazing country of Vietnam - a country buzzing with energy, ideas and some amazing people.
Hanoi and Ho Chi Minh City were the venues for my latest sell-out public speaking engagements.
This was my fourth visit to Ho Chi Minh City- and I'm starting to feel as if I know my way around.
'Team Green' (my colleague Jane Lelean and PA Suzanne Rawlins were also on the trip) had a great time.
We finished up with a three-day business and property training event in Ho Chi Minh City.
We found some time to relax and see the sights of a wonderful country.
Looking forward now to my next visit.

Here are some more photos of the trip . . . 

Donkey delight for Team Green

Those who know me well - and those who have listened to my talks - will appreciate how much I love my donkeys.
So, I was really chuffed (as we say in Wales) to get some important news from back home in Wales during my trip to Vietnam.
My son, Carwyn, has just rung to inform me we have a new baby donkey at home in Wales.
Great news, mother and baby fine.
:)

Sales of The Rich Rules going well

Sales of my first book, The Rich Rules, are going well.
In fact, I am ecstatic.
Sales of @TheRichRules on @AmazonUK are now outselling my idol, Stephen Covey's '7 Habits'.
That's some achievement.
If you've got a copy, then please add a review in to the Amazon webpage.

• The Rich Rules Steps to Wealth and Happiness is published by Gomer Press, price £9.97.
• Kevin Green is an ambassador for the Make A Wish charity which grants wishes to seriously ill children and 10 per cent of the purchase price of the book will be donated to the charity (a minimum of 99p per sale of each book).

Weblinks -
http://www.kevingreen.co.uk/
http://www.kevingreen.co.uk/the-rich-rules/

If it's Friday, it must be Antwerp

I'm feeling a bit giddy this month with all this international travel.
But it is well worth it as I am meeting, networking and helping some great people.
After my time in The Gulf, it was a case of back to Europe this week - before a marathon trip to the Far East.
The venue today for a sell-out SuccessGids engagement was Antwerp.
It was great to be in Belgium - and a very interesting experience on the night Wales beat Belgium in the European Championship qualifier in Cardiff.
I didn't gloat at all.
:)
They were a great audience and I'm looking forward to returning shortly.

It's great doing business in The Gulf

Most months are busy, but June is proving to be exceptional with business trip to The Gulf states and speaking engagements in Europe and the Far East.
And I've got my new book, The Rich Rules, to promote!
I was humbled to engage in business with Dr. Saddiq, personal consultant to Shelkh Mohammed Hamad Qasim Al Thani in Dubai.
See the picture at the top.
The photo underneath is me at Abu Dhabi palace with portraits of the former leader (deceased) and present leader (to my left).
I also joined Arnout van der Swaluw @Succes_Gids events promoter on a visit to the might DAMAC property HQ in Dubai.
I was given a bodyguard and a chauffeur-driven car for my trip to Dubai and Abu Dhabi.
I met some great people, set up some excellent new business links (I'll tell you about those in the near future) and was humbled to meet some very high-powered people.

Here are some photos from the trip -

Kevin's book covered on the Website of the Year

A lovely article written about the release of my book 'The Rich Rules' you can find this article on the Wales Online website.

10 rules to help make you rich from self-made millionaire Kevin Green

09:00, 9 May 2015 By Chris Kelsey

In his new book The Rich Rules rags-to-riches millionaire Kevin Green describes how he built up his property empire and gives 10 tips towards success in business

 

Self-made multimillionaire Kevin Green

At 19 Kevin Green was sleeping rough on the streets. Now he is a wealthy property landlord and owner of several businesses.

He recently wrote a book, The Rich Rules, in which he set out his 10 rules for making your fortune.

Rich rule 1: Never waste a second of your time

Moved by the tragic death of his sister at the age of 20, Green resolved to use all his time well.

"Ever since then, if I've ever felt unhappy about what may be happening, I've changed my outlook and my future, because for me happiness is a number one priority. Money has been a fortunate side benefit of building businesses around ideas which I am extremely passionate about," he writes.

Rich rule 2: Self-awareness is the master key to success

As a Nuffield scholar Green wanted to explore why two identical businesses run by different individuals could achieve different outcomes in terms of success.

His conclusion: "Self-awareness is the master key to success. Knowing what we are good at, bad at and enjoy doing, is better self-analysed by entrepreneurs."

Rich rule 3: Press your start button

"Many people wish to achieve wealth and happiness but are fearful of starting something in case they fail," Green says.

Rich rule 4: Embrace change

"Change is powerful," Green writes. He describes how the family decided to sell all the farm's dairy cows and its milk quotas, which not only allowed it to clear debts but allowed him to give all his time to his property interests.

"The fact that we could get our time back and with that, a lot more happiness, was very important," he writes.

Rich rule 5: You are only as good as the people you surround yourself with

"Appointing the right people in the right areas is vital in growing a successful business," Green writes.

Rich rule 6: Know your business weaknesses

"The most important factor is to have the right attitude towards your business...many feel that they won't possibly succeed. Remember, if you think you are going to fail, or you think you can win, then you will," Green writes.

Rich rule 7: Know how to raise capital

"Consider the timing to clear debt when you're growing a business. If you don't pay down some debt, you will find it very difficult to get further lending from the banks and other lending institutions going forward," Green writes.

Rich rule 8: Know your outcomes

"I learnt through my Nuffield Scholarship study that people can become entrepreneurs," Green says.

"If a person is placed in the right environment then as long as that person has the will, determination and passion they will absolutely blossom."

Rich rule 9: Love you business(es)

"The most important decision that any potential business person can make is choosing the right business for them. This is not a one size fits all choice. It's about choosing a sector that you are very passionate about.

"Always remember to listen to your heart, your instinct, what is your gut feeling telling you about this business idea?"

Rich rule 10: Take control

"In my scholarship study I realised that the main difference between most people and entrepreneurs is that entrepreneurs don't just talk about what they want to do, they take control of their lives and actually implement their thoughts and feeling into action."

Entrepreneur Kevin Green delighted with response to new book

For a man who’s been “too busy” to spend time promoting his new book, Kevin Green can still afford to smile this week.

In the space of five days, more than 1000 copies of The Rich Rules have been sold – and the book has just gone ‘live’ on Amazon.
The book was launched at Wrexham’s new Carnival of Books festival – but Green has found it difficult finding the time to promote a book which majors on ‘steps to wealth and happiness’.
“Just after launching the book, I was heading for the airport to board a flight to South Africa for a speaking engagement in Johannesburg,” said 51-year-old Green.
“It seems to be the way of things nowadays as I am lucky to be in demand as a business and motivation public speaker at major events worldwide.
“I had to fit in the book launch just after returning from a trip to New Zealand, so the last few weeks have been a whirlwind and getting time to promote the new book has been a struggle.
“It’s been a bonkers couple of weeks with all the travelling and I’ve been too busy to worry too much about how the book is selling.
“Having said that, there’s been a flurry of activity and interest in the book, which also promises to give the reader 100 profitable business ideas.
“It’s self-penned, which may surprise many as it is well-known that I am dyslexic.
“That was a challenge, but I worked my way around it and I’m very pleased with the end result.”
Public speaking takes up a lot of Green’s time nowadays, but he finds it all very rewarding.
“I’ve been privileged to be on the same speaking bill as former United States President Bill Clinton. Last weekend, I was on the same bill as Nick Vujicic, a truly inspirational Australian who was born with no arms and no legs.

“Nick has a motto, ‘No limbs, No limits’. He’s simply remarkable and a wonderful inspiration.

“I share Nick’s passion for inspiring and encouraging other people to do better, so the public speaking thing is something very dear to my heart. I believe passionately in helping other people.”

Green, now one of the UK’s biggest private sector landlords has revealed his secrets to success in his new book, full title, The Rich Rules, Steps to Wealth and Happiness.

“The book is about helping others get in the right mind set to achieve success.

“And part of that is about telling my story and how I got there. It’s a no holds barred, ‘this is me’ book, and I know some people might think I’m a bit weird, but that’s OK, Entrepreneurs tend to be a little bit different.”

Green was homeless in 1988 and his story is truly one of rags to riches.

The Rich Rules Steps to Wealth and Happiness is published by Gomer Press, price £9.97.

Green is an ambassador for the Make A Wish charity which grants wishes to seriously ill children and 10 per cent of the purchase price of the book will be donated to the charity (a minimum of 99p per sale of each book).


The book went ‘live’ on Amazon.co.uk today.

Amazon link – http://www.amazon.co.uk/dp/0993169309

Product details
Paperback: 275 pages
Publisher: Kevin Green (14 Feb. 2015)
ISBN-10: 0993169309
ISBN-13: 978-0993169304

The Rich Rules - A New Book By Kevin Green

Kevin Holding The Rich Rules Book

I am absolutely delighted my book has arrived back from Gomer Printers, thousands of copies have already been delivered to Amazon, in readiness for my book launch date on 20th April 2015 at the Wrexham Festival of Words Carnival.

As an ambassador for Make a Wish ®Foundation UK, I am really pleased they have linked their name to 'The Rich Rules' and I will donate 99p of every book sale to this extremely worthy charity that grants magical wishes to children with life threatening illnesses.

My Personal objective is to sell at least 1 Million books, raising £1 Million for Make A Wish® UK, which I will Gift Aid when transferring the donation to them to further increase their monies received.

Pre-order the book by clicking the cover

In this book I use my own life examples and experiences to share with you the steps to becoming wealthier & happier in your life.

To ensure your copy from this first print run, please pledge your pre-order by clicking this link http://www.kevingreen.co.uk/the-rich-rules/ we will then be in touch with you shortly when the direct order link goes live to enable you to receive your copy of the The Rich Rules Book.

Competition:
On receipt of your copy of the book please take a picture of yourself holding it and post on social media sites using the hash-tag #TheRichRules, screen shot it and forward to Kevin@therichrules.com where you will be entered into a competition to win an "Apple i-pad"

Former advisor to Sir Alan Sugar, Nick Hewer 

There have already been some great reviews of The Rich Rules Book including those from The Winner of the Apprentice 2015, Mark Wright. Former advisor to Sir Alan Sugar, Nick Hewer
Commentator on screen star and analyst's Christine and Neil Hamilton. Star of TV's Homes Under the Hammer Martin Roberts and Former head of the BBC Sir Roger Jones OBE.

See a sample of these comments below,

"Kevin is someone of the highest integrity. I have read his book with great interest and believe that the 'Rich Rules" is essential reading for anyone whose aim is to build a high profit margin business."

Sir Roger Jones

Kevin Green is for me, one of the most inspirational people I have come across both personally and in business. He is a true entrepreneur.

I first met Kevin like many others at one of his business and property talks. I was truly blown away. Kevin’s enthusiasm for helping people in businesses and in the community really kick started my journey.

Two key things I have applied instantly and used to great advantage from The Rich Rules is “never waste a second of my time” and “how to raise capital”. I want to use this section to personally thank Kevin for motivating me. In 2013 I attended one of Kevin’s talks and read his work. Now in 2015 I am the winner of BBCs The Apprentice and I run my own successful online marketing company in the UK. I believe applying what I learnt from Kevin was a major contributor to my success.

The best decision any person can make is to want to improve. If you only learn one thing from this book (I’m sure you will learn much more, as I have!) that one piece of knowledge alone could double or even triple your income.

I have been taught that in order to make money and find success you need to learn from someone that has already done it. Kevin Green started from nothing and is now a self-made multi-millionaire.

When cooking, following a recipe works every time. Why can’t you have a recipe for success, wealth and happiness?

I believe you can. I also believe Kevin has that recipe in this book.

Mark Wright – Winner of The Apprentice 2014.

I met Kevin five years ago when we were fellow speakers at a Motivational Conference.  His is truly inspirational and I am delighted to welcome 'Rich Rules' where he shares his tremendous business knowledge and acumen to help others.

Christine Hamilton – Star of the original 'I'm a Celebrity Get Me Out Of Here', through pantomime & the Rocky Horror Show to 'MasterChef', media personality & author

If you want to be successful, copy what successful people do. From humble beginnings to becoming a respected property

multi-millionaire, Kevin has learnt invaluable lessons which he reveals in Rich Rules. It’s an inspiring and motivational journey. It’s time for you to set off….

Martin Roberts – TV Property Expert, Journalist & Author

Hearing About Success...

I always love to hear a person’s success story, and when a client of mine contacts me personally to thank me for my input into their success, it makes it feel that much better. So I thought I would share with you a recent email from a valued client, Rahul of the App Geeks (you can find them at www.theappgeeks.co.uk).

Rahul is passionate about his business; the key cash flow advantage derives from the deposit that’s paid by clients on production of screen shots showing how the app will look which covers the outsourcing build cost of the app thus requiring minimal investment capital from Rahul.

The addition of transferring most of the frontline delivery to members of staff has also helped App Geeks grow into an extremely profitable business which is going from strength to strength. Rahul is using his ultimate profits to invest in the property market to secure his financial returns, I am very proud of him as a KGW 90 Day coaching client. 

His lovely email is below…

‘Sorry for not being in contact much recently, it's been rather busy. I hope to come along to the next KGW event to see you both in person.

I just thought I'd drop you an email about what's been happening:

• I left my job in May 2014 to work for myself, full time in apps. I've always wanted to be my own boss and quit my job, so this was a really big thing for me
• We've been working on an app for a client for 18 months, which cost almost £100k
• Client has sold this app to a bar business which owns 50 venues in Central London (Tiger Tiger being one of them). The app launch party was 2 weeks ago, and was featured in the Daily Mail: http://www.dailymail.co.uk/tvshowbiz/article-2932933/Michelle-Heaton-displays-toned-frame-vest-embellished-leggings-celebrates-launch-brand-new-app.html
• 2 other large apps we've been working on will be launching soon

I just want to say how grateful I am for all your help. Without your help and the coaching I would not be in the position I am in now. So thanks a million.

Best wishes,

Rahul

Rahul Joshi
www.theappgeeks.co.uk
0203 322 5900

Rahul actually built my app (built for i-Phones and android phones) and a link to them directly in the i-tunes store and the playstore can be found on my website by clicking this link