PricewaterhouseCoopers (PwC) have recently reported that on average a 'typical' UK household owes £7,900 in personal loans, overdrafts and credit cards. They also report that each Household is repaying just £355 of that debt per year on average.

So what does this mean for us? Basically, at that rate it will be at least 22 years before these debts are repaid in full - and that's assuming all repayments are met and the debt is not added to further.

At least households, corporations and financial institutions in the UK have begun the debt repayment process, however, whereas the country as a whole has not and is being more than offset by the new debt being taken on by the government. Since 2008 our total debt as a percentage of GDP - which includes all the loans and fixed-income securities of households, corporations, financial institutions, and government - has grown by 20%.

Although the government did step in to try to prevent the natural deflation taking place when the credit bubble finally burst about four years ago, it does appear that we have now reached the stage where government spending can no longer replace that of the productive private sector and therefore we find ourselves in double-dip recession.

Thankfully the Caribbean, however, is a completely different matter, as it has not experienced a recession for over 40 years. This has seen a steady rise in property prices as the Caribbean becomes a more and more affordable and popular holiday destination, which can guarantee fantastic weather all year round.

We have personal investments in Caribbean property developments and that makes us serious about our work. It is encouraging to hear people are becoming more aware of potential financial challenges they could face in the future, particularly as we have a proposition that may be able to help them repay debts and increase their standard of living in retirement.

We have built up a vast amount of knowledge and experience and will continue to use this knowledge to good effect ensuring our continued success to source incredible low risk - high reward opportunities through property investments. To date only one such opportunity has sparked our interest - this is it!