His business cost £10,000 to set up but has earned him a six-figure profit in its first year.There are pros and cons to sale-and-leasebackA buyer has to select specific weeks of the year for personal use of the property but then must lease it back to the developer in return for a guaranteed annual rent – usually 5 per cent of the purchase price – which should cover the low-cost euro mortgages that Borthwick advises. Very few visit one development they sell but I go to all of them,” he says.”Most agents accept information from developers without checking but I analyse contracts,” he says. As a result, he rejects two out of three developments.Borthwick cut his business teeth organising share clubs for colleagues during his 12 years as a teacher before reading about sale-and-leaseback in 2001.He does not have an office, preferring to trade from his Devon home. Borthwick’s fees depend on the value of the sale and he uses budget flights to visit developments. He admits that this way of working means that although his holidays are shorter, his pay is better.

Yet he says despite being a newcomer, his selling point is experience.”Most other British agents selling in France don’t own anything there but I’m about to buy my fifth place. In the desperately conservative world of estate agents, Glenn Borthwick is something of a maverick. Until a month ago he was a school teacher in north Devon. But for the past 18 months he has been “dabbling” in selling newly built French apartments, houses and chalets after forging links with developers across the Channel.
He is one of a small number of British agents dealing with sale-and-leaseback properties – flats in ski, beach or golf resorts that offer buyers guaranteed rental income.However, Borthwick is not a fan of his new colleagues. His website, , describes rival agents offering 15 per cent discounts as “fly- by-night” and of being left in the dark when he bought homes in France. But there is no evidence that they are of use for under-fifties.The prostate-specific antigen (PSA) test for prostate cancer can give similarly misleading results.

Two-thirds of men tested with high PSA do not have prostate cancer.The report highlights the importance of recognising the implications of genetic testing. Dr Nathanson says it is vital people are not excluded from insurance because of genetic tests, especially as tests are developed for more conditions.A Department of Health spokesman said: “Patients who have concerns about genetic diseases should seek advice from their GP who can then refer them to specialist genetic services if this is appropriate.”The private health provider Bupa agrees that everyone who has screening should be fully aware of the risks and benefits.. I didn’t expect him to play that many, but he’s playing so well that he demands to be picked.”. Private health screening tests are harming the health of the nation, doctors warn. The British Medical Association says patients may be wasting time and money by paying for tests such as breast cancer screening and whole body CT scans. Patients spent £65m on screening last year in the UK, and the market is expanding.
But the BMA warns that unregulated screening, which often gives unreliable results, is diverting scarce NHS resources away from the genuinely sick and increasing anxiety for screened patients.Dr Vivienne Nathanson, the BMA’s head of science and ethics, says private tests often identify problems that will never develop into a major health concern. “We are used to it happening at league games but it has never happened on such a significant day as this.”It’s been terrific that we share the same passion and involvement in rugby league It’s a great honour to lead the team out at the final.

The Challenge Cup is a unique and special occasion.”The two will travel to the Welsh capital separately with their clubs tomorrow and will only meet briefly at an official lunch on Friday before leading their teams out at the Millennium Stadium the next day.The couple’s division of loyalties also creates a split within the family, with their daughters, Lucy and Polly, supporting Leeds, but their brother, Matthew, and Kath’s Auntie Dot loyal to Hull.Kath, who has been chairman there since the merger with Gateshead in 1999, is splitting her responsibilities with one of Hull’s most enthusiastic fans. Gary and Kath Hetherington will become the first husband and wife to lead out Challenge Cup finalists when Leeds and Hull meet in Cardiff on Saturday. Kath was already doing the job for Hull in her capacity as chairman of the club, and she will now be joined by Gary, who is chief executive at Headingley.
The Leeds chairman, Paul Caddick, has led out the Rhinos for their last three finals, but he has stood down to allow the Hetheringtons a unique double role.”It’s strange we find ourselves in opposite camps for such a major event,” said Gary. The Scottish Football Association’s disciplinary committee will meet on 20 September to adjudicate.. Famagusta’s captain, Nikos Nicolaou, who lost four relatives in the crash, returns to action tonight following compassionate leave. Ibrox will observe a minute’s silence before the kick-off.Rangers (probable, 4-3-3): Waterreus; Pierre-Fanfan, Andrews, Rodriguez, Ball; Ricksen, Ferguson, Murray; Novo, Prso, Buffel.Anorthosis Famagusta (probable, 4-4-2): Georgallides; Poursaitidis, Louka, Xenidis, Markou; Maragos, Haber, Nikolaou, Tsolakides; Tsitaishvili, Frousos.Referee: V Ivanov (Russia).* Celtic’s captain, Neil Lennon, who received an one-match ban for being sent off at the end of Saturday’s Old Firm derby, faces an additional five-match ban for barging referee Stuart Dougal after the game, for which he has since apologised. The recent Helios Airways disaster, in which 121 people died, is also still casting its shadow.

He is injured, while one of his key midfielders, Georgi Kinkladze, has not travelled to Glasgow because he is hoping for a move to a Russian club, Rubin-Kazan. “I am not interested in players who have no wish to play for Anorthosis,” Ketsbaia said.Ketsbaia has also been angered that his team were scheduled by the Cyprus football federation to play at the weekend in a domestic cup match they eventually lost on penalties after extra time. I’d back him to play.”
Rangers hold a 2-1 advantage from the first leg a fortnight ago and are odds-on favourites to progress to the Champions’ League proper. Reaching that stage would provide a welcome windfall for the Scottish champions.”We have nothing to lose and everything to gain,” said Temuri Ketsbaia, the Famagusta player-coach, formerly of Newcastle United and Dundee.Ketsbaia’s preparations have suffered serial setbacks. Barry Ferguson is likely to make a swift return from injury to captain Rangers in their Champions’ League qualifier against Anorthosis Famagusta at Ibrox this evening, but the Cypriot visitors, despite being in disarray, remain convinced that an unlikely triumph – and a £10m windfall – can be theirs. After Ferguson sustained a knock to his ankle during the 3-1 Old Firm win against Celtic on Saturday, his manager, Alex McLeish, said it was unlikely the midfielder would feature in tonight’s third qualifying round, second leg “But we know what Barry is like,” McLeish added yesterday “He doesn’t like to miss these games.