Tues 14th Feb 2017

The plan for the morning: up at 8am, breakfast, pack car, 9am head to Wimbledon, go for 10km run, back by 10:30am, pick up Paul and head to Lancaster! I was signed up for the Hampton Court half-marathon on Sunday, hence the need for a run. Unsurprisingly, getting ready took longer than hoped and I got to Wimbledon around 10:30am! Picked up Paul at 11am and drove 5 hours to Lancaster University, stopping off at a service station for a spot of Costa and a Greggs baguette. A very helpful and informative bear of a man checked us into the uni and we headed to our room, which was most clean and pleasant. I then worked out this was probably the only day I could do a much-needed run, so that was the next priority. The booking.com reviews said there was a gym and sauna in this place, so we headed for the sports centre. Being gymophobic, Paul did not want to go to the gym and after being informed it would actually cost £12 + VAT + council tax, neither did I. Paul was kind enough to go back to the room and wait, so I went for an exploratory 7 mile jog instead – headed towards Lancaster Town Centre, then back and around the University grounds. Other than finally making it to Lancaster city limits(a goal of mine for many years), the definite highlight was the curious mirage towards the end, of hundreds of athletic young student women yelling and jumping around for netball practice, which you don’t often see round where I live…

Our next plan to walk the 3 miles into Lancaster, was altered, thank goodness, to getting the bus instead. On the bus Paul noticed our tickets said “Return to Bowerman hotel” and despite Paul being quite keen to get off, we passed/ignored that place and stayed sat until the town centre.
We walked up to the castle, which had some nice night views and an interesting plaque about how it used to be a prison. Paul also got to see the railway station! After a bit of wandering, we ended up at the Brown Cow pub – which was a great place, with fine Guinness, except this was Valentine’s night – so there was Paul, myself and about 2 other people. Still, we saw the Champions League shock defeat of Barcelona 4-0 to Paris St-Germain(the four of us cheered each goal) and the barman even said we could get a takeaway and bring it back! I was quite happy to do this, but we ended up going to Wetherspoons and grabbing some ‘real’ food(aka buritos) instead, which you prob should do after a 7 mile run. We caught the bus back and set the alarm for 6:30am!

Wed 15th Feb 2017

So, up bright and early around 7:30am (Paul did get up earlier) – we dined on a fine breakfast at the uni guest refectory place – Paul got confused about this being actually free, but other than wanting to pay for it and being sternly told ‘no’ by the dinner lady, he enjoyed a plate of bacon, egg, sausage and some toast! I had cereal, fruit, yogurt, bacon, egg, sausages, hash brown, toast, beans, black pudding, melon, fruit juice, tea + water, pain au chocolates and anything else I could find/put-in-my-pockets. Until packing up, I’d assumed we were actually staying in student digs, but turned out we had actually stayed the conference centre accommodation.

After navigating the way out, we headed North. Google Maps told us “Scafell Pike” was allegedly only an hour or so away via Kendal so we headed there. Paul was well prepared for climbing Scafell Pike – possessing only a thick hoody and no gloves nor hat nor much else. I’d hiked up a hill in freezing Snowdonia the week before and despite telling him this and recommending to really buy at least a coat, hat and gloves, he casually said he would buy them today. We parked in Kendal town centre car park and after a quick coffee buy, headed to Trespass to buy some gloves – the girl in her 20’s delightfully informed us that it was highly dangerous to even consider going up Scafell today! as it was at least 3 arduous miles up there, that it ‘gets dark by 3pm’ and how she’d been up another peak on Sunday and it was covered in thick snow and ice and the mist is so thick up there you can barely see your hand in front of your face! also if you take the wrong path, it could lead to the alternative 9 miles long route and take 10hours! By the end I was waiting for her to mention wolves and the beast of Bodmin, such was the level of utter madness she explained it would be to attempt such a thing today…I kind of disagreed with her, but just muttered to Paul every now and again. Anyways, Paul declined her offering of £55 ski gloves to help the situation, but he did purchase a most fetching wooly hat! Annoyingly there wasn’t enough signal to send a stupid Facebook message to my church friend and Kendal-native Kelda, but driving out the town centre woke me up enough to realise we’d been going in totally the wrong direction! we should’ve been heading for Wasdale Head, not just “Scafell Pike”!! On Google Maps “Scafell Pike” is the ‘other’ side of the mountain, the wrong side of where we wanted – that’s the 9mile walk side! As in all the best situations, Google Maps went AWOL, but eventually came back, saying we were now a good 1.5hours away from Wasdale! Hoorah! Eventually we followed a random B-road route cross country via Coniston Water. The countryside had changed quite remarkably from Lancaster, the hills were alive. We drove miles through countless ever-narrowing country lanes, endless blind bends and hill tops, down 14% gradients and up super-steep inclines – many, with beautiful views, causing us to stop several times and take photos.

The Climb Begins

We finally got to Wasdale Head only 2 hours later than hoped, around 1:15pm! The lady in the Wasdale Head shop was more stoic with a “oh you’ll be alright, by the time you come down it’ll be dark but that’s not til 5pm, see how far you can get”. I agreed with this lady more than the one in Trespass There was also a cool, very simple, summit map on the wall outside – a lot easier to read than my Ordinance Survey map! After buying some essential Kendal Mint Cake, hurriedly packing my pack with necessaries and finally convincing Paul to borrow my spare ski jacket and ski gloves, we were ready. The bonus after observing the terrain and mist covered hills surrounding us, was that it was starting to dawn on Paul, that this hike, perhaps, did require more clothing than just a hoody! We finally started walking around 1:50pm. Despite my warnings, advice and encouragement, then followed approx 30mins of overly quick walking, followed by complaining, sweating and moaning about “why do people do this?” and exasperations of “do they actually do this for fun?” from Paul. I think we had walked half a mile max at this point. We turned a bend on the path, which led to a glorious view of the path winding upwards, it went up and up, into some ominous low-level mist clouds! I found this quite amusing, as Paul could now see and appreciate the gigantic size of this place! I fear he had assumed, like anybody that hasn’t done this kind of thing before, that climbing this mountain was going to be a quick wander up some hill and that the map legend saying it was a 2.5hour hike was a joke – I mean, the path is only 3 miles long and and you can easily walk that in less than an hour, Right!

The Rain and Mr.Sensible

It started to rain as we entered the mist cloud level. Another 15mins or so and we met our first person coming down the path – a guy in his late 20’s, in just a light coat and no pack. He gave us some positive encouragement, “yeah the rain goes on, but higher up it stops and you’ll be fine once you’re past it”. We then met this older guy who was less up-beat. He’d injured his ankle walking an alternative path, before deciding to hobble back down for the past 45mins. He only told us he was injured after telling us how difficult and treacherous it was “up there”.

It has to be said the rocky path down looked very wet and very slippery, far more than when I walked down the path 10 years ago in December 2007. This did concern me somewhat, but I kept quiet.

Due to the constant rain, we both looked quite bedraggled, but oddly it wasn’t cold at all. This made it perfect timing for Mr.Sensible and his girlfriend to turn up! they were in their 20’s and he was a very nice guy, but very grown up! they’d evidentally gone up at a sensible time and were now descending at a sensible time, as that was sensible! He asked, nay demanded, “you’re not going up to the summit, are you?!” (almost implying – I’m not going to let you go up there), he frowned, sighed and added, “…you really need the right equipment to go up there!”. Paul’s first words were “yeah I know, I thought wearing jeans would be a laugh!”. This was highly funny, but Mr.Sensible did not smile, he was more shocked at the waterlogged look of the two of us and seemed very concerned we weren’t immediately turning right around and joining him on the way back down. He then told us there was “lots of snow, lots and lots of snow up there”, his girlfriend re-iterated “yeah lots and lots of snow, lots of it”. He added that it was zero visibility conditions up there too! His last effort, after looking stunned at my orange/grey trainers, was “You must have very wet, freezing feet!!”. At this point I did sympathise, as he must’ve reckoned we were totally clueless idiots(not a bad assessment really), so I tried to reassure him that my shoes were actually waterproof fell running shoes + I had bonefide ski gloves on me! he kind of gave up at this point and they headed off, shaking their heads, convinced we’d undoubtedly be needing helicopter rescue within a few hours. I didn’t mind, he was just trying to be sensible, which is fair enough, but sometimes you can’t help two clueless idiots like us lol. I was actually quite concerned my fell running shoes wouldn’t grip the slippery stones on the way down, but he who dares wins and all that. I should say, despite being unprepared clothing-wise, Paul had some very good Timberland walking boots, much better than my shoes to be honest.

The next and last people we saw on the path were a mother, father and their two 4 and 6 year old sons gingerly coming down the path. This inspired Paul to say “if a 2 year old can get up there, so can I!”.

Just after this, I suggested we rest a bit and eat something, for energy. At this point I managed to weigh Paul’s backpack, only to find it weighed a ton! no wonder he was sweating so much! he’d brought his tablet and 2kg phone charger with him, along with numerous other heavy objects! I transferred some of this stuff to my pack and we continued.

The Snow

We proceeded on and Paul moaned less, as he got used to the constant exercise and terrain. We came to the bit where you have to navigate the path via cairns(piles of stones) and we only got past this bit because I remembered it from last time. It was moderately challenging. Mr.Sensible was kind of correct about the visibility, the thick mist made it difficult to see the next cairn. We hit the snow line – where I noticed the snow on the rocks above us increased in prevalence. I started to fear Mr.Sensible might turn out to be even more correct, but tried to ignore this.

We went up and up until the path leveled out. We plodded on and on, until bizarrely the path started to go down hill, which didn’t seem right. Phone GPS’s were consulted and I tried to look at my OS map, but neither worked! after a few more yards we realised we had no idea where we were, so we posed for some photos and headed back. We then happened across the blinkin’ correct path up to the summit!! it was SO obvious, we’d walked right past it and had wasted 15mins with that wrong way! I asked if we could walk a bit of the way up and have a look, which we did, but it was after 4pm by now and had gotten very cold + visibility was very low. So, we took some photos and decided we’d turn back after all. This was a mutual decision – I could tell by his words, concern about not being able to get back before dark was on Paul’s mind and I too was more concerned than usual. Not so much for myself, as last time I’d had to hike down in the dark on my own, but more that I knew the slippery rock path part would be difficult to navigate, especially if you were new to this kind of thing and in the dark, serious injure was possible! I wanted to make sure that didn’t happen, if only to stop Mr.Sensible proclaiming how right he was all along. Having to turn back was a shame but not a big deal, I was most impressed that Paul seemed perfectly fine now and we’d had great fun thus far! Our clothes were even dry due to the altitude and atmosphere!

My fave highlight on the long way back was coming to the snow river crossing – quite high up, a narrow river splits the path at one point. You have to cross the river via some rocks, but due to the altitude and cold, the river was largely hidden under thin ice and thick snow! At this point, a perfect timing of tiredness and dimming light clogged Paul’s mind! the light meant the grey rocks of the path faded into the mountainside and the snow filled river now suddenly looked the most “path-like” thing around to follow and he mistook it for the path and started lunging up the river! It was very funny as he plunged through the snow, up hill, to a point where I had to shout “oi! where are you going? the path’s over there!”.

We made it past the cairns area, several times having to wait for the mist to clear enough to see the next one. Have to say making it past this area in the dark, with a torch, would’ve been crazy.

The Path Back

We then got to the horrid slippery, wet path bit. Paul sensibly stuck to the rock/stone/gravel path, his Timberlands were made for this, but my Columbia’s weren’t and I considered it highly dangerous to even try! Luckily, I remembered my tendency to be able to cover ground quickest by striding/running/balancing down the grassy sides of mountain paths rather than on the paths themselves, where the stones get in the way. It allows me to move quickly, but stop often to admire and enjoy the view, which was improving all the time as the sun was setting! This balancing technique does tax the knees, but in the shoes I was wearing, it was far safer than the wet rocks.

We spied 2 people ahead join from an alternative path, they were really speeding down the mountain, clearly a lot more keen to get back and were soon lost from sight.

About half-way down, it dawned on me that Paul was now somewhat worried about the darkness kicking in, as he was speeding up significantly.
I tried to tell him to take it easy, I said slow down, we have time, but he was unconvinced. Suddenly there was a loud crack and an yelp of “argh!”. This was the sound of Paul being welcomed into the real world of hill hiking, as he slipped and fell on the rocks! He landed on his backside and bruised his hand, but he was alright, thank goodness! found out later his Lynx deodorant was severely dented, having taken the brunt of the fall and probably saved his coccyx. He fell a few more times on the way down after this! It turned out things weren’t helped by him not wearing his glasses! he’d put them in the side of my backpack on the way up(they kept steaming up) and one of the arms had broken off, so he had no choice but to soldier on, squinting to see the way in the ever fading light.

Lost in the Pitch Darkness

I kept claiming that I’d walked down in darker conditions back in 2007, but must admit this was now worse! it was becoming properly dark and Paul was convinced we were still miles from civilisation and the lights we could see in the fields below were miles away. We had a small argument about which one of the 2 lights on the horizon was the pub and which was a hotel(he was right, I was wrong).

We made it to the one sign post on the trail, which meant we were nearing the end, but Paul had kept count of the number of gates and was once again unconvinced, he reckoned we had 4 more to go and he was right(again)! We descended to ground level and got to the final gate. From here I vaguely remembered you could walk straight out onto the road, near where the car was parked, but the only path I could see ran by the river, so assumed that must be the way. Mistake #1! Thanks to this we ended up walking at least another mile through random fields in what became total and utter pitch darkness! We realised we’d gone the wrong way, so we cut through some trees and headed towards one of the few lights around – it turned out to be a farm house and I could see my car just beyond it. The major problem was getting to the road involved scaling a wall, a stack of crates or a large field gate, which was too much effort at this point. To be honest I was worried Paul was in no condition even to attempt this and was none too keen myself. So, we tried to find a short-cut. After walking back and around the farm house, we found a latch gate, but it was tied shut with rope and I couldn’t figure out how to un-tie it. Paul has been in the USA the past 2 decades and thought the farmer might shoot us too, as we were trespassing, so we tried to find another legal way out to the road. Another 10mins of wandering in the dark and being blocked by stone walls, then walking over broken stone walls and into another field bordered by stone walls, I decided enough was enough and insisted we head for the farmhouse again. We got to the latch gate and this time I managed to untie it, in total silence, saying I’d take any responsibility if we got a “Hey! We don’t like your type round here!” shotgun style reception. Luckily we did not…and the car was just a short walk away.

The Pub and Pie

We drove to the pub. I remember 10 years earlier staggering into this pub, after having gotten lost in the mountains for the entire day that time and having a Guinness and pie, probably the most grateful for and best pie I’ve ever eaten. This time was similar, except I was only mildly tired, whereas Paul was the completely shattered one! haha! Also the pie this time had much less steak, as in I had 1 smidgen of steak in mine and that was the sum total of steak in both pies! It was still a darn nice pie though.
We drove back the 20mins in total darkness and checked in to our hotel – the most excellent “Strands Inn & Brewery” where we then had a few more pints of local made beer before retiring to bed!

Thu 16th Feb 2017

The final day of our trip. We both awoke feeling fine, Paul said despite the previous day’s exertion, his legs were ‘alright’. Had a wonderful breakfast in the pub and began the drive home. First stop was down the road at the Murt Camping Barn where I’d stayed 10 years previous, it didn’t look like it had changed that much. We then took a random detour, we kind of gave up bothering to look at any maps or judging which direction we were going in, but somehow ended up at this cafe/restaurant called The Byre – in Bootle, no, not in Merseyside, but in an area called Copeland. I spotted a local newspaper with Theresa May on it and apparently she had indeed just visited, in the run up to some election! Next up was Lake Windermere, as Paul had kept mentioning visiting this place when he was younger. He was very happy to see this place once again, but I became obsessed with finding “The Bobbin Mill” as it was on every sign we seemed to pass. It was a staggering sight once there, but was closed – oh Bobbins! Next stop was Low Sizergh Barn, a farm shop place where you could have a tea, eat some cake and watch cows being milked, live. I bought some sausages, had tea/cake and watched the cows being milked. Following these events we proceeded south, eventually stopping for food and a tour of Wolverhampton. The Royal London pub was a great place and a fine dinner was consumed. Final coffee stop was around 10pm at the same service station we stopped off on the way(I think), then home around 1am and that was that!

Google Map of where we went on Scafell Pike

[See image gallery at jamesreed.org]

Please note: I was a first time buyer, did my own removals (didn’t have that much stuff) and my dad was a surveyor, so he did the surveying. Your experience might be quite different.

Steps to buying a house :

Find out or guess how much you can borrow roughly.

Find a house or flat or garage or whatever within this range.

Visit the house – it’ll probably be somewhat different than it looks on Rightmove!

Make an offer.

Wait for it to be accepted! yes this can take some time, but once that happens you’re in the game!

Next :

Pick a solicitors (which from then onwards will be called a conveyancer) – I used a company called Beaumont Legal which I got from ReallyMoving.com – which is also very good for finding surveyors.

Contact the solicitors. They will ask you for your full details and various other information and proof of who you are. Send/scan this off to them as requested. Important note: upon signing up, my original document scans were too large and got lost in the email-ether-sphere! the solicitors didn’t know this and just kept waiting for me to send them – it delayed the start of the buying process by nearly 2 weeks! therefore I’d recommend following up by phone or email to check they have received your details – once that’s done the real process begins!

Note: the solicitors might also ask you to sign-up for a “house pack” – these are the initial ‘surveys’/’searches’ of the house – I didn’t have a clue what this meant, BUT now know they are the legal surveys of the house – they are previously conducted surveys by the authorities that give you info on the land, deeds, local area, drainage, water, access and so on. The more expensive the pack, the more surveys you’ll get. Try to judge what you need to know about the place and if it’s worth it. We signed up for the Silver pack – which gave us all the info about the house, water, flood planes and land, BUT didn’t include stuff like ‘local coal mining’ and the like(the Gold pack offered this). I could find that most of that from Google maps, visiting and knowledge of the area. I always think it’s probably worth getting flood info, but that’s just me and local knowledge of the area or asking is usually good enough.

Pick a mortgage broker and arrange a possible mortgage.

Definitely try out more than one broker, there are tons around! you’ll get different rates, quotes and approaches! We tried London & Country(Money-Saving-Expert recommended) and Bentley Holmes (the one used by the estate agent). You phone up L&C, whereas Bentley Holmes were a face-to-face broker in Kingswood – we asked for quotes from them both and I found L&C a bit phone-automated* and although Bentley Holmes charged £250 for the service I just found it most reassuring to know if absolutely necessary I could always drive down to Kingswood and meet up with the lady face-to-face and sort everything out. She also had 20 years experience which was gave me confidence in her too.

* – I have to say I’ve tried L&C previously for buying another property(which didn’t happen in the end) and found them very good, so maybe it was just the person we got through to.

From the mortgage brokers you should now have a quote from them. From that they’ll give you by email an “Agreement in Principle” based on what you’ve told them. This means, barring something unforeseen, a bank will lend you that amount of money.

So, tell the solicitors the mortgage brokers name and about the Mortgage in Principle.

The solicitors will send you some more forms (there’ll be a lot of forms) about the mortgage. Fill these in and scan/email or post them off.

After a while, you’ll get the ‘surveys’/’searches’ from the solicitor. As mentioned above I found this most confusing – did this mean the ‘surveyor’ everyone talked about? NO, they are the legal authority conducted surveys as mentioned above AND they can make quite interesting reading.

Make sure to read through them thoroughly – they might contain something you don’t agree with or do not want. It was hard work reading through the water ones and seemed a bit pointless really, but probably worth it in the end.

Once you’ve agreed to all this – Book your own survey of the house – this is where a surveyor will go around the house and look for anything dodgy and write a report for you about it. My dad did this, so I’m not an expert in this area. I can only say I’ve heard many reports from friends about what they actually do – often that they generally cover themselves on absolutely everything and may warn you about the most trivial of things in case they get sued – again, it sounds like it’s up to you to judge whether you could fix the problem or if it would be too expensive. This point is where if so you can then tell the estate agent and/or pull out of the deal. If you have any questions ask the solicitor and estate agent.

Now you’ll have to wait for the solicitors to talk to one another and then they’ll send you some more forms to fill in. eg. Agreement on fixtures and fittings – which you can buy or not.

Once that is all agreed, you’ll be given an “Exchange” date by the solicitors – or they’ll ask you to set one (yep more forms).

On Exchange Day aka Exchange of Contracts day – you must pay 10% of the total value of the house + your legal fees + any fixtures and fittings costs.

eg. if your house costs £250,000 – then the 10% would be £25,000 + legal fees + fixtures/fittings

The day before Exchange, transfer this money to your solicitors bank account.

Your solicitor will then call you and get you to confirm/agree to the exchange – they have to do this to officially get your consent and it can’t happen otherwise.

IMPORTANT NOTE: Up to this point you can pull out of the sale at any time! after exchange you can’t!

Right – so you’ve exchanged! Now you’re legally obliged to buy the house! you should have a few weeks to sort out the rest of the money.

So, gather your full deposit money in time for the Completion Date. In my experience, other than the estate agent unnecessarily and very annoyingly harassing me to hurry up with things,  I found this the most stressful thing of the entire process! A couple of weeks before completion I asked the Post Office if I could transfer my ISA to my current account, they said ‘yes it’ll only a day or so’. Luckily I phoned them the week before Completion and they said due to the size of the transfer it would have to be in writing and would take maybe 3 working days! cue panic letter writing, running to the post office and lots of sweating about whether it would get transferred in-time and phone-calls to good friends begging to borrow money if it didn’t! it finally did, the morning of the day before completion. The lesson is – sort it out a couple of weeks before completion. I was trying to be clever and get the maximum interest from my ISA, but just get it ready in your current account and it’ll be happy days!

Completion day

So, the day before Completion you must transfer the 90% of your deposit money + any other legal fees to your solicitor’s bank account.

On the day of Completion, the solicitor checks the bank account and transfers the money to the bank – once this is confirmed the bank will transfer money to the seller. When that’s all checked – That is it!

You’ll get the keys!!! you own the house!! just gotta sort out moving in, the electric, gas and everything else, but that’s a different story

Oh shortly after this, you will receive one final form – the Land Registry – which you fill in and send off and now you’ll officially own the property.

Anyways, I found the letter is rather amusingly and well written – FULL of lures to bring in vulnerable people! So I scanned it and OCR’d it, here it is for your reading and to help Google know more about VTA Publications

Please don’t be fooled by any of it!

Michael White
12 Tilbury Close
Reading
Berkshire
RG4 SJF
Tel: 01189 484082

Dear James,

“Get rich quick!” “Shortcut to a million pounds!” Aren’t you fed up with hearing that…?

You’ve heard it all before. Most of this garbage is written by people who will never become a millionaire, and the only money they stand to make is that which the customers hand over to them.

I am an international bestselling author, as well as a millionaire, and once upon a time I shared your

frustration. I’ve been there too, and I’m tired of intricate wealth schemes, franchise opportunities, and ‘how to start a business’ courses.

But I left all that nonsense behind me when I discovered this loophole…

With your permission, over the next few minutes I’ll explain a money-loophole that could be your ticket to the laziest and fastest retirement imaginable. Please grab yourself a drink and a quiet few minutes, because I guarantee you won’t ever have read anything like this.

NOBODY else knows this secret because I discovered it– through the application of an ancient code. But if you’ll allow me to rush you a confidential document without you parting with a single penny, I will share it with you for legitimate reasons I’ll explain in a moment. And I guarantee you’ll be stunned at how this powerful secret could force the banking system into letting you retire early…

l spent a lot of time uncovering and testing out this loophole, so believe me, 1 did NOT originally intend to share it with anyone! I’m not doing this to be a Samaritan. But, for a very good reason I’ll explain shortly, I’m going to allow 181 people to use this secret (as long as they sign a confidentiality agreement). So with your kind permission, I will now explain why I’m sharing this with l8l people, and explain more about this life-changing loophole…

L/ 009751

1

Imagine clicking a few keys or making a single call… then sitting back and waiting for a windfall you had an 82.4% chance of getting each time you used this. Now that ’s what I call a forced retirement…

No constant worrying or checking things every day/hour/minute, and this doesn’t become your second job. You just click a few buttons on a certain website or place a call at the right time, and then get on

with your life…

Nothing complicated to learn, you don’t need to become an expert in anything, this isn’t a lifetime project or a hobby, we’re not talking about some ‘second income pocket money’; it’s serious chunks of cash

for virtually zero effort…

Can you imagine that? Well, you don’t have to ‘imagine’ that because it’s been recently proven…

The FACT is that if you’d used this secret most recently, you would have got a windfall of £55,250.

And I’ve proven that this secret had an 82.4% of working each time it was used in an intensive study of past performance in recent years.

Please let me put your mind at rest about a few things…

• There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…
• You DON’T need to already have a bank account with a particular bank or building society.
• You DON’T need to have been mis-sold a pen sion or investment.
• You DON’T need to buy shares of a specific company or bank.
• You DON’T have to pay this money back- it’s NOT a loan. It’s YOUR money, free and clear.
• You DON’T have to own a home, and you can use the money for ANYTHING you like.
• You DON’T need a credit rating or be at any particular earnings level or be on benefit.
• You DON’T need a computer or any technical know-how. You could even place a call instead of make a few clicks if you don’t have a computer.

I know you’re sceptical, I’ve been where you are now, and I too have been subjected to a lot of rubbish and scams. I’m frightened to add up how much money I’ve wasted on all that get-rich-quick nonsense over the years…

But I believe that everything happens for a reason. If I hadn’t been subjected to all the lame schemes and rip-offs I wouldn’t have turned to a respected source of truth to find the answers to my financial prayers. You see, it was a long and dark road to finally discover a genuine path to freedom…

2

I was flat broke not so long ago. Whatever money I made from my crummy job I spent on moneymaking systems and seminars that never seemed to work. All the ‘gurus’ Who turned out to be charlatans, all the promises that were actually lies, and all the money I’d invested in schemes that went up in smoke. Ugh!

I remember the exact day that was the low-point for me, When I felt I was at the bottom of financial hell. I’d lost my job, I was up to my ears in debt, and I had no savings, all in the middle of a brutal recession. Literally, all I had to my name was a few coins on a rented coffee table. I stared at those coins, and I thought it was the end of the road…

But it was then, at rock bottom and desperate for help, that for some reason I picked up a beaten-up old book that my late-grandfather had once given me.

But I didn’t turn to this old book for a shoulder to cry on, I picked it up because my canny old grandfather died financially independent with plenty of automated money streams still pouring into his bank accounts when he passed on. He always said that the secrets in this book were all he had ever needed to make his money…

And he had always told me how this ancient book concealed a powerful code that hardly anybody knew existed. But he shared that code with me. Please bear with me as I explain how I used this code to crack the banks. . .

The ancient book I’m talking about is the most read book in the world. The Old Testament. But before we go on, please understand that I’m not some preacher trying to convert you…!

I don’t know about you, but I’m not a particularly religious person- I suppose I fall into that ‘Church of England’ camp, like so many Brits. This is nothing religious so please don’t be sceptical or offended if you’re of

another religion or atheist. This is about moneymaking, plain and simple And, Contrary to what many people think, money is one of the most talked about subjects in this; book…

This ancient and mysterious text is packed with advice from the richest man in history, the original wealth ‘guru’: King Solomon. What many people don’t realise is that encrypted in his writings within The Old Testament, Solomon reveals how the financial system always takes money from the population, how the system works, and how to take advantage of it…!

That’s why my wealthy grandfather referred to this ancient code as, ‘The Solomon Code’. And, after those scandalous fat-cat banks recently, I had an idea about how to use this uncannily reliable code to legally crack the banks and generate regular and massive windfalls for myself…

You see, the ancient code that’s repeated throughout The Old Testament is a combination of two “perfect” numbers that, for some strange reason, have an incredible track record for predicting events in the financial system

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and economy. If you’re in the few percentage of people reading this who actually get access to this secret, I’ll prove this to you as a matter of fact by looking at past events.

Don ’t worry, you don’t have to crunch any numbers or do anything remotely complicated- I’m just explaining what’s under the bonnet of this powerful secret…

And this is nothing made up or weird- what I refer to as ‘The Solomon Code’ is there for anyone to see, they just have to know what to look for and how to use it. And I had just figured out a new way to use it…

So I put it to the test. My heart was racing as I tested this Solomon Code. I punched it in and, bingo, it worked like a charm! I tested it again, and bingo. But: it felt too good to be true. I wanted even more proof. I wanted some real evidence. I wanted to know precisely what the likely chances were of success. I wanted a test over the longest timeframe possible…

Using my computer, I ran as many tests as I could… and I started counting all the money I’d have made had I always used this secret. It seemed uncanny, but the undeniable proof was right before me, proven time and time again. The Holy Grail discovered at last.

I had just heard the clunk of unlocking, as if the doors to a vault of treasure had swung open…

So how does it work? What do you have to do?

Think about all the money you give to the banking system every month. Interest on debt, pension contributions, insurance policies, investment plans, etc. Billions Of pounds! But What most people don’t realise is that these overflowing coffers of bank-money are indirectly accessible to the little-guy who knows about this effortless and legal loophole and how to exploit it…

Basically, you’re getting your own little Windfall each time the banks get one… IF you’re in the right place at the right time. Don’t worry, you do the whole thing from your armchair- no traveling and you’re done in

just one attempt.

So what’s to stop anyone getting these windfalls? Because you need to know where to position yourself to receive them. Once you have a good idea of this (like an 82.4% chance of knowing!) you just click a few keys or make a phone call, and then sit back and watch. Remember though, this is NOT about trading share in individual companies or forex or real estate or any of those things I listed at the start- you’re just riding on the back of the big banks’ windfalls.

What The Solomon Code does is give you the intelligent guess you need to position yourself correctly to receive these windfalls. And it’s been proven to get it right in the past for 82.4% of the time.

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When The Solomon Code tells you to, you make a few idiot-proof clicks on a special website I’ll show you, all according to very specific and simple instructions, and then you sit back. Based on past performance over

several years, there’s an 82.4% chance you’ll get you windfall. Then you do it all over again when the next Solomon Code comes along…!

I can’t tell you anymore without giving away the secret, but that’s why I’m offering to send you a confidential document without you parting with a penny. That is, if you’re fast enough to be one of the lucky few granted access…

Which brings us back to that big question we began with, why would I share such an amazing discovery with you… ?

The answer is a simple one, and I hope you don’t mind my honesty. I’m asking for 10% of your windfalls, but only after you clear your first fifty-grand. I think that’s fair, and I hope you agree. Like I said, my reason for sharing this is 100% genuine, and I hope you now see why. I mean, why else would someone share a genuine secret with you? If the secret truly was a secret, and it was a secret that was any good, why would they bother contacting you? Surely they’d just use it themselves and you’d never hear anything about it! But my motive is as genuine as this secret is real…

YOU see if there is a catch to this it’s that there’s a limit to how much a person can make per windfall- realistically my guess is that limit is about a hundred thousand pounds. By sharing this with a small group of people

and them paying me a percentage of what they make, I’m able to make a lot more money for my discovery, and a lot faster…

I can’t let the whole world know about this though. There will be a confidentiality agreement to sign, and a strict limit on the number of people granted access t( 1 the secret. By my calculation I only need to Share this secret with I81 people. Why only 181…?

• Firstly, because it’s a small enough number to not get noticed. Even though this is 100% legal, if the whole world knew about this then the secret wouldn’t be a secret and the loophole might close. But l8l people
• sworn to secrecy is only 0003% of the UK population— we will slip under the radar, no problem…
• And the other reason for l8l people being allowed access is that if I81 people had just made £55,250 and paid me lO% of that, I would have just made a million pounds. That’s a lot of money, and I hope you understand both my motive for sharing this with a small number of people, AND just how confident I am that this works like a charm! This is a win-win.

If you make it into this lucky minority, your life could look a lot different in 72 hours…

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With the help of my grandfather’s notes in the book, I translated and decoded all of King Solomon’s cryptic clues for myself, and two years later I had become debt free, owned a successful business, and had bought several investment properties, so there’s a lot more to be gained here man access to this ancient code that cracked the banks…

This Solomon Code is revealed as just one part of my ultra-simple monthly course called, Biblical Wealth Secrets. I guarantee you’ll NEVER have seen anything as easy tojollow as these priceless documents.

And you can get your hands on the first part without parting with a penny- more about that in a second.

Biblical Wealth Secrets is a total wealth-blueprint designed to get you to a comfortable retirement faster than you imagined. A life that could feature…

• No more worries about recessions hurting you and your loved ones…
• Retirement on a way smaller nest egg than you imagined- a total shift of the goalposts…
• Freedom from The Estab1ishment milking you until death…
• Plus many, many more powerful retirement secrets along the way…
• And I’ll be on hand to walk you through anything I can help with…

How much would all this be worth to you? Access to this powerful Solomon Code alone is surely worth thousands, or even millions in the right hands… and that’s just one of several secrets revealed in this course…

So I trust you’ll be pleasantly surprised to know that this powerful collection of documents is just £27 (plus £2.95 shipping) for each of the 10 parts, one part delivered each month, and you don’t pay for the first part until 30 days after receipt, if you decide to continue with the course. And you can opt-out at any time, having only paid for

the parts you received.

Please understand that this tiny fee is really just to cover expenses, production, and administration. Plus, to be honest, it’s a filter to keep out any window-shopping time-wasters, because time-wasters won’t even be bothered to use this, and that won’t make me my 10%. Remember, the main reason I’m offering you this is for the 10% of whatever you make from your windfalls.

But I understand you need some assurance, so for your peace of mind, here’s a guarantee that just couldn’t be anymore risk-free for you…

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NOTHING TO PAY INSPECTION GUARANTEE!

Please try the first part of the program without parting with a penny – you will not be charged until 30 days after receipt of the first part, giving you ample time to review this. In this first part I will reveal ALL of the Biblical Wealth Secrets. If, after reading the first part, you don’t wish to continue for ANY reason, simply return it within 30 days of receipt, and you will not be charged. If you wish to proceed with the rest of the course, simply continue to pay the monthly fee, and you may cancel your subscription at any time, having only paid for lessons received.

Nothing should stand in your way now. You can inspect the first part of the program so you can see these Biblical Wealth Secrets for yourself… and so you can begin your journey to a luxury retirement. And there’s ZERO RISK by just taking a peak at this. If that scares you off then, I’m sorry, but there’s just no hope for you. So if you’re fast enough to be in the 181 allowed access, we’re in business for this win-win deal…

Imagine counting the money as £55,250, free and clear, hits your bank account…

What would you buy with that? It’s not a fortune, but it would change your life, and for no more effort than making a few clicks on your computer or making a single call. Imagine smashing off the chains of debt, speeding

off in a nice new car, looking forward to a luxury holiday abroad, and giving your younger ones a leg—up in life.

And it’s not as if that would be a one-off windfall- you could do it all again when the next Windfall comes along- so maybe you simply use this to retire…

Now, even if you make it into the privileged 181, you need to know one last thing: the next Solomon Code could be along any day, so you must act quickly or you could miss out on the next spend—up. Make sure you come along for this ride with me or you could be kicking yourself forever after. And what do you have to lose by just taking a no-risk peak?

Simply complete the enclosed reservation certificate and send it back to me today, and let’s get started.

I hope you make it into the small percentage of invitees who will have access to this proven Windfall secret. Most people invited will not get a place, and if your application is unsuccessful l must ask you to keep this

whole thing confidential and not tell anyone under any circumstances. Thank you.

To freedom,

Michael White.

Email: TheSolomonCode@Gmail.com Phone: 01189 484082

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– Urgent Reservation Request –

YES! Please rush me the first part of Biblical Wealth Secrets upon receipt of this request, but do NOT submit or process my payment until 30 days after I receive the first part, giving me adequate time to inspect the information before parting with a penny. I will inform you by phone or mail within 30 days if I wish to cancel my payment. Otherwise I will receive further parts until I wish to unsubscribe from the course, having only paid for the parts received. I agree NOT to disclose this material to anyone. I understand that places are limited, and that if I am unsuccessful in getting one that you will not process payment at all.

THE END

I literally chucked this thing together and the result was a most top, tasty and delicate home-made pie!
try it out and impress your friends!

Serves about 2 people.

Ingredients:
1 x cooked chicken breast *
2 x carrots (peeled and sliced)
1 x large onion (diced)
1 packet of ready rolled filo pastry – or about 4-5 sheets!
Cooking oil – be it olive, sunflower, whatever, to brush over the pastry
2-3 tablespoons Bisto gravy granules
Optionally:
sprinkles of black pepper, Herbes de Provence
some thyme to garnish (if you have any spare)

Utensils:
1 x medium saucepan, 1 x medium oven dish (to bake the pie in), a wooden spoon to stir, a knife/fork/plate to serve

Cooking time ~35mins :
20mins boiling the onions and carrots
3mins boiling the gravy
15mins baking the pie
* if you haven’t cooked the chicken breast and don’t know – it takes about 20-25mins to oven cook at 200degrees a chicken breast or two. Perhaps put the chicken in the oven, whilst you’re boiling the onions/carrots.

Background:

Last month I ended up making a filo pastry “white wine, chicken and artichoke pie” that I got from the Good Housekeeping Cook Book. Did this for the church group I lead for an end of year meal, all because my friend Alanna suggested why don’t I make something – so I did that and was majorly surprised at the result.

Until the panicked cooking time before cooking this group meal, I had no idea about Filo pastry – but soon discovered it costs about £1.45 a packet from Sainsburys and is very easy to use! You can use either the 12 x sheets Sainsburys or 6 x Jus-roll brand sheets – the sizes are slightly different, but really it doesn’t matter, I know because I bought both types just in case!

Anyways today I realised I still had 2 packets of filo pastry in the fridge + some chicken breasts – so I thought why not attempt to make my fave dish – some kind of chicken & gravy pie! here’s how to make it…

Cooking Steps :

• Half fill the saucepan with water and put on stove to boil.
  Peel carrots and slice them. Add them to pot (aka saucepan).
  Peel and slice/dice the onion and add it to the pot.
  Boil carrots/onions for 20mins. Stiring or swirling occasionally.
• About 10mins in turn on the oven to 200degrees – pre-heating for the baking part!
• Hopefully by now there’ll be enough water left to make some gravy, if not add some extra. You don’t want thick gravy, you want medium thin.
  Add 2-3 tablespoons of gravy granuels to the pot. Stir it all round.
• Cut the chicken breast into small chunks – I used my hands to do this or you can slice it however you like. Drop it into the pot.
  Add some black pepper and herbes de Provence if you like.
  Stir it all up a bit, not too much though.
  Continue boiling for a few mins longer, until gravy has thickened a bit.
• Pour a bit of the oil into the oven dish and rub round with your hands.
  Place a couple of layers of the filo pastry around the dish.
  Empty the saucepan into the middle of the dish.
  Wrap the pastry around the mixture, so it’s covered – pie-style.
  Pour/rub some more oil all over the top of the pasty.
  I had gravy leaking through the pastry at the point, so place another couple of sheets around and then glaze it with more oil.
• Put the dish in the oven and bake for about 15mins!
• Done!

Apparently the UK is deeply elitist and you can’t get a ‘top job’ unless you are one of the ‘cosy club’ which mostly comprises of private school types.

http://www.bbc.co.uk/news/education-28953881

Now I went to Rutlish School, an ex-grammar in Merton Park, Wimbledon, SW19. So my real question is, are we #Rutlish School boys part of the ‘cosy club’? Let’s look at the facts – John Major PM is an old boy of ours, we have an Old boys club called The Old Ruts + we were all boys + we have a “Speech Night” whereby a famous old-Rutlish boy does a speech and presents prizes(John Major in 1991) + we had ‘houses’ + we have a ‘head boy’ + we used to play ‘fives'(a game generally only played at private schools) + we did had Latin lessons at GCSE and A-Level!

Inspired by this article, I’ve now made some art work!

iTunes – which we all know and think is ‘alright’ – I use this to create entire backups of my iPhone.

iFunbox (free) – an excellent utility that allows you to directly access and transfer the files on an iPhone. You can view the filesystem on the iPhone directly, BUT it also has a “Quick Toolbox” tab which allows you to easily copy to and from the iPhone photos,music and video – and puts them where they should be. This means they are viewable in the “Videos” and “Music” standard iPhone apps. The only downside is that it doesn’t add the metadata for videos or music – so you get blank thumbnails and cover art when looking at them in list view. Note: I use version 2.7 of iFunbox as the v2014 beta version didn’t work properly for me)

PhoneTrans (free) from iMobie – another excellent utility that allows you to upload or copy music and video to/from the iPhone. This DOES create metadata and so for videos/music you get the thumbnails and cover art! It is somewhat confusing that this program leaves out the ability to copy photos, but hey. Note for Mac Users – iFunbox doesn’t have the Quick Toolbox yet, so you’ll have to use direct copying. PhoneTrans is called AnyTrans and is annoyingly limited to 100 uses.

Backing up the iPhone – full backup as well as individual photos, video, music, camera roll

If my iPhone blows up I want some kind of full backup of it, but I also want to be able to do ad-hoc backups of photos, the camera roll, videos or songs maybe too.  My solution is to use iTunes to keep a backup of the entire iPhone – that way you can get all your stuff back. Then for the ad-hoc backup and copying use iFunbox. Using the ‘Quick Toolbox’ tab you can backup your photos, videos and music very quickly and easily – just click Export photos, pick a folder and viola. For individual items, navigate the explorer to the

Copying Photos to/from the iPhone

I use iFunbox to copy photos as it does this remarkably quickly and easily. Either copy from the phone using explorer tab for the Camera Rolls or use the “Quick Toolbox” tab to Import/Export your photos either way.

Copying Videos and Music

I’d like to use iFunbox for Videos and Music, but I like the thumbnails to appear when I click the “Videos” or “Music” app and these need metadata and for some reason they’ve left that functionality out of iFunbox. Therefore I found PhoneTrans the best way to copy across videos and music. It’s not a big deal as it’s incredibly simple to do – just click “Music” or “Movies” on the side bar and click the Add button – DONE!

Technical tips for iFunbox :

In the explorer, turn off “Thumbnail View” by clicking it – then you can see the path and size of the files. iTuneControl/Music – where the MP3’s and videos are stored. Search .mp3, .mp4 to find your music or movie files from Raw File System.

My latest youtube video! London’s Royal Exchange filmed over 2 years – Nov 2010 – Jan 2013. On my way home from work each day/night I started taking pics of The Royal Exchange from outside Bank station. Eventually making this stop-motion movie from them – it’s a bit jerky at the start, but hope you like the video anyways. Watch out for the Olympics logos/barriers – taken during the men’s marathon and wheelchair marathons.