Money Tips Daily by Charles Kelly, former IFA and author of: Recent Episodes
Charles Kelly Business Coach
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Money Tips Daily is a daily podcast brought to you by the author of Yes, Money Can Buy You Happiness, published on Amazon. Money Tips Daily helps you save, earn, invest and enjoy more money!
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The BRICS group, comprising Brazil, Russia, India, China,and South Africa, represents a formidable alliance in the global economiclandscape. Formed in 2006, this coalition of emerging economies has steadilygained influence, shaping international trade and economic policies. Let'sdelve into the significance and impact of BRICS on the world stage.
Join me online on my free live money management training – 3Steps To Financial Freedom - Wednesdayat 7.00PM. Places are limited, so registernow Click: https://bit.ly/3QPp8IH
BRICS: An Overview
BRICS stands for Brazil, Russia, India, China, and SouthAfrica. These five countries together represent about 42% of the world'spopulation, 23% of global GDP, and around 30% of the world's land area. Thegroup's primary goal is to foster economic growth and development, facilitatetrade, and promote peace and security among member states.
Watch YouTube Video - https://youtu.be/772wkB3pfBw
Economic Powerhouse
The BRICS nations are some of the fastest-growing economiesglobally. China and India, in particular, have witnessed unprecedented economicgrowth, becoming major players in the global market. Russia and Brazil, rich innatural resources, add significant value to the group's economic stability.South Africa, as the gateway to Africa, enhances the group's reach andinfluence across the continent.
Strategic Initiatives
BRICS is known for its strategic initiatives aimed atenhancing economic cooperation. The New Development Bank (NDB), established in2014, is one such initiative. The NDB provides funding for infrastructure andsustainable development projects in member countries, reducing dependency onWestern financial institutions. Additionally, BRICS has initiated theContingent Reserve Arrangement (CRA) to offer financial support to membersduring economic crises.
Global Influence
The BRICS alliance seeks to create a multipolar world,reducing the dominance of traditional Western powers in global affairs. Throughcollaborative efforts in technology, energy, and infrastructure, BRICS nationsare positioning themselves as key influencers in international policymaking.
Challenges and Future Prospects
While BRICS has made significant strides, it faceschallenges such as economic disparities among members, geopolitical tensions,and varying political ideologies. However, the group's commitment to mutualgrowth and development continues to drive its agenda forward.
Stay tuned for more updates on BRICS and its evolving rolein the global economy.
Section 24Landlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
3 Steps To Unlocking Financial Freedom!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement#financialfreedom #section24tax #landlord #BRICS #GlobalEconomy#EmergingMarkets #EconomicGrowth #InternationalTrade #NewDevelopmentBank#SustainableDevelopment #Geopolitics #BRICSnations #WorldEconomy#EconomicCooperation #GlobalInfluence
The BRICS group, comprising Brazil, Russia, India, China,and South Africa, represents a formidable alliance in the global economic landscape. Formed in 2006, this coalition of emerging economies has steadilygained influence, shaping international trade and economic policies. Let's delve into the significance and impact of BRICS on the world stage.
Join me online on my free live money management training – 3Steps To Financial Freedom - Wednesdayat 7.00PM. Places are limited, so registernow Click: https://bit.ly/3QPp8IH
BRICS: An Overview
BRICS stands for Brazil, Russia, India, China, and SouthAfrica. These five countries together represent about 42% of the world'spopulation, 23% of global GDP, and around 30% of the world's land area. Thegroup's primary goal is to foster economic growth and development, facilitatetrade, and promote peace and security among member states.
Watch YouTube Video - https://youtu.be/772wkB3pfBw
Economic Powerhouse
The BRICS nations are some of the fastest-growing economiesglobally. China and India, in particular, have witnessed unprecedented economicgrowth, becoming major players in the global market. Russia and Brazil, rich innatural resources, add significant value to the group's economic stability.South Africa, as the gateway to Africa, enhances the group's reach andinfluence across the continent.
Strategic Initiatives
BRICS is known for its strategic initiatives aimed atenhancing economic cooperation. The New Development Bank (NDB), established in2014, is one such initiative. The NDB provides funding for infrastructure andsustainable development projects in member countries, reducing dependency onWestern financial institutions. Additionally, BRICS has initiated theContingent Reserve Arrangement (CRA) to offer financial support to membersduring economic crises.
Global Influence
The BRICS alliance seeks to create a multipolar world,reducing the dominance of traditional Western powers in global affairs. Throughcollaborative efforts in technology, energy, and infrastructure, BRICS nationsare positioning themselves as key influencers in international policymaking.
Challenges and Future Prospects
While BRICS has made significant strides, it faceschallenges such as economic disparities among members, geopolitical tensions,and varying political ideologies. However, the group's commitment to mutualgrowth and development continues to drive its agenda forward.
Stay tuned for more updates on BRICS and its evolving rolein the global economy.
Section 24Landlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
3 Steps To Unlocking Financial Freedom!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement#financialfreedom #section24tax #landlord #BRICS #GlobalEconomy#EmergingMarkets #EconomicGrowth #InternationalTrade #NewDevelopmentBank#SustainableDevelopment #Geopolitics #BRICSnations #WorldEconomy#EconomicCooperation #GlobalInfluence
Leasehold Property Owners MUST Watch This!
Housing Market Update Leasehold Reform Act Passesinto law.
Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow Click: https://bit.ly/3QPp8IH
The UK leasehold system has long been a contentious issue,and many argue it’s one of the biggest scams in history. The current system,which dates back to feudal times, sees homeowners purchasing property but notthe land it stands on. Instead, they lease the land from a freeholder, oftenfor 99 years or more.
Watch on my Money Tips YouTube channel video - https://youtu.be/i9WAY0qrt0U
In theory, this feudal relic has reformed by the LeaseholdReform (Ground Rent) Act which was passed into law by Parliament and grantedthe ‘Royal Assent’ on 24 May 2024, just before it was closed for theforthcoming election. But many feel it has been watered down from its originalaims.
Read the Act in full - https://bills.parliament.uk/bills/3523/publications
Leasehold Property Owners MUST Watch This!
Housing Market Update Leasehold Reform Act Passesinto law.
Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow Click: https://bit.ly/3QPp8IH
The UK leasehold system has long been a contentious issue,and many argue it’s one of the biggest scams in history. The current system,which dates back to feudal times, sees homeowners purchasing property but notthe land it stands on. Instead, they lease the land from a freeholder, oftenfor 99 years or more.
Watch on my Money Tips YouTube channel video - https://youtu.be/i9WAY0qrt0U
In theory, this feudal relic has reformed by the LeaseholdReform (Ground Rent) Act which was passed into law by Parliament and grantedthe ‘Royal Assent’ on 24 May 2024, just before it was closed for theforthcoming election. But many feel it has been watered down from its originalaims.
Read the Act in full - https://bills.parliament.uk/bills/3523/publications
Renters and Leasehold Reform Bills Update...See also: Leasehold SCAM - https://youtu.be/b-wlBMTtmhg?si=K71E-JNDBsfi3UFMReferences:- "Leasehold Reform (Ground Rent) Bill" – UK Parliament: Link - The Guardian on Leasehold Abuses: Link - BBC News on Leasehold Reforms: LinkEver wonder why you never seem to have enough money?We are living in challenging economic times.I want to show you how can you:• Not only survive, but thrive in a recession or depression?• Get control of your finances and spending?• Save and invest for your future?• Learn about money and finance?To help you, I am running a free training webinar. 3 Steps To Success Money Management!I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH
finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
Learn how to 10X Your Business Value And Cash Out TAX FREE
With Marc Adams, author of
Secrets To10Xing Your Business: And Cashing Out Tax-Free
https://amzn.eu/d/ckG1SGB
Imagine reshaping the destiny of your business withstrategies proven to not only multiply its worth but also to ensure a lucrativeexit when the time is ripe. "Secrets to 10Xing Your Business andCashing Out Tax-Free" is your guide through this transformativejourney. This book doesn't just promise exponential growth; it hands you theroadmap to a destination that many entrepreneurs only dream of but never reach.
Dive into the critical first steps with the Introduction:Laying the Groundwork for a 10X Exit.
Visit Marc’swebsite: www.acquisitions4you.com
Email: hello@acquisitions4you.com
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
See also:
Leasehold Scandal: The Biggest Property Scam in UKHistory? - https://youtu.be/b-wlBMTtmhg
Renters and Leasehold Reform Bills Update - https://youtu.be/Lxs0wTR3ejQ
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement#financialfreedom #business #marcadams
Learn how to 10X Your Business Value And Cash Out TAX FREE
With Marc Adams, author of
Secrets To10Xing Your Business: And Cashing Out Tax-Free
https://amzn.eu/d/ckG1SGB
Imagine reshaping the destiny of your business withstrategies proven to not only multiply its worth but also to ensure a lucrativeexit when the time is ripe. "Secrets to 10Xing Your Business andCashing Out Tax-Free" is your guide through this transformativejourney. This book doesn't just promise exponential growth; it hands you theroadmap to a destination that many entrepreneurs only dream of but never reach.
Dive into the critical first steps with the Introduction:Laying the Groundwork for a 10X Exit.
Visit Marc’swebsite: www.acquisitions4you.com
Email: hello@acquisitions4you.com
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
See also:
Leasehold Scandal: The Biggest Property Scam in UKHistory? - https://youtu.be/b-wlBMTtmhg
Renters and Leasehold Reform Bills Update - https://youtu.be/Lxs0wTR3ejQ
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement#financialfreedom #business #marcadams
Renters and Leasehold Reform Bills Update...See also: Leasehold SCAM - https://youtu.be/b-wlBMTtmhg?si=K71E-JNDBsfi3UFMReferences:- "Leasehold Reform (Ground Rent) Bill" – UK Parliament: Link - The Guardian on Leasehold Abuses: Link - BBC News on Leasehold Reforms: LinkEver wonder why you never seem to have enough money?We are living in challenging economic times.I want to show you how can you:• Not only survive, but thrive in a recession or depression?• Get control of your finances and spending?• Save and invest for your future?• Learn about money and finance?To help you, I am running a free training webinar. 3 Steps To Success Money Management!I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH
finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
Renters and Leasehold Reform Bills Could Fall as UK July General Election AnnouncedSee also: Leasehold SCAM - https://youtu.be/b-wlBMTtmhg?si=K71E-JNDBsfi3UFMReferences:- "Leasehold Reform (Ground Rent) Bill" – UK Parliament: Link - The Guardian on Leasehold Abuses: Link - BBC News on Leasehold Reforms: LinkEver wonder why you never seem to have enough money?We are living in challenging economic times.I want to show you how can you:• Not only survive, but thrive in a recession or depression?• Get control of your finances and spending?• Save and invest for your future?• Learn about money and finance?To help you, I am running a free training webinar. 3 Steps To Success Money Management!I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
Renters and Leasehold Reform Bills Could Fall as UK July General Election AnnouncedSee also: Leasehold SCAM - https://youtu.be/b-wlBMTtmhg?si=K71E-JNDBsfi3UFMReferences:- "Leasehold Reform (Ground Rent) Bill" – UK Parliament: Link - The Guardian on Leasehold Abuses: Link - BBC News on Leasehold Reforms: LinkEver wonder why you never seem to have enough money?We are living in challenging economic times.I want to show you how can you:• Not only survive, but thrive in a recession or depression?• Get control of your finances and spending?• Save and invest for your future?• Learn about money and finance?To help you, I am running a free training webinar. 3 Steps To Success Money Management!I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
Why leaseholds are ripping you off!
The UK leasehold system has long been a contentious issue,and many argue it’s one of the biggest scams in history. The current system,which dates back to feudal times, sees homeowners purchasing property but notthe land it stands on. Instead, they lease the land from a freeholder, oftenfor 99 years or more. This feudal relic is under scrutiny as the LeaseholdReform (Ground Rent) Bill moves through Parliament, aiming to address some ofthe system's inherent unfairness.
Leasehold ownership can feel like a trap for many. Despitebuying their homes, leaseholders must pay ground rent to freeholders, which canincrease significantly over time. Additionally, they often face hefty fees forminor alterations, high service charges, and exorbitant costs to extend theirlease. Failure to comply with these terms can lead to severe penalties,including forfeiture of the property. This situation creates a financial burdenand an ongoing dependency on freeholders, making it hard for homeowners to feeltruly secure in their properties.
The Leasehold Reform Bill seeks to abolish ground rents fornew residential leases, which is a step in the right direction. However, itdoes little to alleviate the burdens on existing leaseholders. The bill alsodoes not address other controversial issues like high service charges or thecomplex and costly process of enfranchisement, where leaseholders attempt tobuy the freehold of their property.
Critics argue that the current system is outdated andexploitative, designed to benefit freeholders at the expense of leaseholders.The feudal origins of leaseholds, meant to maintain control and extract wealthfrom tenants, seem archaic in the 21st century. With more than four millionleasehold properties in the UK, the impact is widespread, affecting millions ofhomeowners.
Reform is crucial, not just to modernize property ownershipbut to ensure fairness and security for homeowners. The Leasehold Reform Billis a start, but comprehensive change is needed. Abolishing leaseholds entirelyor drastically reducing the power imbalance between freeholders andleaseholders would be a significant step toward justice for UK homeowners.
As the debate continues in Parliament, the hope is for afuture where owning a home means true ownership without the strings of anoutdated feudal system. Unfortunately, it looks like the legislation will bewatered down and leaseholds will continue to plague flat owners in the UK. Willa future Labour government change this like they tried, and failed, before?
References:
-
"Leasehold Reform (Ground Rent) Bill" – UKParliament: Link
-
The Guardian on Leasehold Abuses: Link
-
BBC News on Leasehold Reforms: Link
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
Why leaseholds are ripping you off! The UK leasehold system has long been a contentious issue, and many argue it’s one of the biggest scams in history. The current system,which dates back to feudal times, sees homeowners purchasing property but notthe land it stands on. Instead, they lease the land from a freeholder, oftenfor 99 years or more. This feudal relic is under scrutiny as the LeaseholdReform (Ground Rent) Bill moves through Parliament, aiming to address some ofthe system's inherent unfairness.
Leasehold ownership can feel like a trap for many. Despitebuying their homes, leaseholders must pay ground rent to freeholders, which canincrease significantly over time. Additionally, they often face hefty fees forminor alterations, high service charges, and exorbitant costs to extend theirlease. Failure to comply with these terms can lead to severe penalties,including forfeiture of the property. This situation creates a financial burdenand an ongoing dependency on freeholders, making it hard for homeowners to feeltruly secure in their properties.
The Leasehold Reform Bill seeks to abolish ground rents fornew residential leases, which is a step in the right direction. However, itdoes little to alleviate the burdens on existing leaseholders. The bill alsodoes not address other controversial issues like high service charges or thecomplex and costly process of enfranchisement, where leaseholders attempt tobuy the freehold of their property.
Critics argue that the current system is outdated andexploitative, designed to benefit freeholders at the expense of leaseholders.The feudal origins of leaseholds, meant to maintain control and extract wealthfrom tenants, seem archaic in the 21st century. With more than four millionleasehold properties in the UK, the impact is widespread, affecting millions ofhomeowners.
Reform is crucial, not just to modernize property ownershipbut to ensure fairness and security for homeowners. The Leasehold Reform Billis a start, but comprehensive change is needed. Abolishing leaseholds entirelyor drastically reducing the power imbalance between freeholders andleaseholders would be a significant step toward justice for UK homeowners.
As the debate continues in Parliament, the hope is for afuture where owning a home means true ownership without the strings of anoutdated feudal system. Unfortunately, it looks like the legislation will bewatered down and leaseholds will continue to plague flat owners in the UK. Willa future Labour government change this like they tried, and failed, before?
References:
-
"Leasehold Reform (Ground Rent) Bill" – UKParliament: Link
-
The Guardian on Leasehold Abuses: Link
-
BBC News on Leasehold Reforms: Link
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership#UKHousingCrisis #FreeholderAbuse #LeaseholdScandal
We are told that we get what we deserve, but is thattrue?
We get what we tolerate, accept and put upwith.
People will put up with the most terrible situations intheir lives including abusive relationships, bad jobs and low wages for years.
Have you noticed that there are people who seem to gettreated better than others?
Have you heard the expression he or she is “nobody‘s fool”?
He or she just seems to demand respect and they get it!That doesn’t mean they are rude or arrogant.
Then there are those unfortunate people who just soak itup!
They are the person that gets all the crap jobs, thefamily member that’s bossed around and bullied!
And it goes through their whole life and never seems tochange, unless they do. I’ve seen two elderly sisters where one of them isdominating the other to the extent that it’s almost an abusive relationship.
What unwanted things have you been tolerating in yourlife for years?
· Relationships
· Abusive boss
· Abusive family member
· Career or job you hate
· Money problems and lack
· Bad neighbourhood
· Bad neighbours!
· Economy flights! Ha ha!
Make your own list…
You don’t have to put up with it for the rest of thelife, and don’t have to be a martyr!
Holding in that anger has been scientifically proven tocause physical health problems.
You’re not going to get that promotion if you allowyourself to be the butt of everyone’s jokes.
There’s no point in running away or changing jobs,because there is always an asshole or bully in every company!
Think of the bully as a teacher who has been sent to giveyou a lesson.
What are you going to do about it?
Here are some suggestions:
· Decide!
· Refuse to tolerate less than you deserve.
· Start slowly, pushing back.
· Be assertive and not aggressive.
· Take an assertiveness course if need be.
· Work on yourself and upgrade your skills.
· Write out your goals and expectations in yourcareer, health, wealth and life.
· Start making plans to achieve your goals.
· Just get started! Do it!
· Start managing your money, time, health, energy,sleep, diet and life.
Make a decision today to expect the best in your life andrid yourself of all unwanted people and things that are not to your liking.
I regularly book business class flights or upgrade tobusiness.
Why?
More comfort
Better sleep and
I feel better in myself
Less recovery time wasted
I enjoy rather than endure the flight.
I decided many years ago to work for myself rather thanwork for somebody else.
I made that lifechanging decision to work on myself morethan I was working on my job, so I started a journey of self-improvement andmentoring to improve my wealth and health.
Do you ever wonder why you never seem to have enoughmoney?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #property #investment#assertive #businessclassflight #freemoneytraining #moneytips #relationships#health
We are told that we get what we deserve, but is thattrue?
We get what we tolerate, accept and put upwith.
People will put up with the most terrible situations intheir lives including abusive relationships, bad jobs and low wages for years.
Have you noticed that there are people who seem to gettreated better than others?
Have you heard the expression he or she is “nobody‘s fool”?
He or she just seems to demand respect and they get it!That doesn’t mean they are rude or arrogant.
Then there are those unfortunate people who just soak itup!
They are the person that gets all the crap jobs, thefamily member that’s bossed around and bullied!
And it goes through their whole life and never seems tochange, unless they do. I’ve seen two elderly sisters where one of them isdominating the other to the extent that it’s almost an abusive relationship.
What unwanted things have you been tolerating in yourlife for years?
· Relationships
· Abusive boss
· Abusive family member
· Career or job you hate
· Money problems and lack
· Bad neighbourhood
· Bad neighbours!
· Economy flights! Ha ha!
Make your own list…
You don’t have to put up with it for the rest of thelife, and don’t have to be a martyr!
Holding in that anger has been scientifically proven tocause physical health problems.
You’re not going to get that promotion if you allowyourself to be the butt of everyone’s jokes.
There’s no point in running away or changing jobs,because there is always an asshole or bully in every company!
Think of the bully as a teacher who has been sent to giveyou a lesson.
What are you going to do about it?
Here are some suggestions:
· Decide!
· Refuse to tolerate less than you deserve.
· Start slowly, pushing back.
· Be assertive and not aggressive.
· Take an assertiveness course if need be.
· Work on yourself and upgrade your skills.
· Write out your goals and expectations in yourcareer, health, wealth and life.
· Start making plans to achieve your goals.
· Just get started! Do it!
· Start managing your money, time, health, energy,sleep, diet and life.
Make a decision today to expect the best in your life andrid yourself of all unwanted people and things that are not to your liking.
I regularly book business class flights or upgrade tobusiness.
Why?
More comfort
Better sleep and
I feel better in myself
Less recovery time wasted
I enjoy rather than endure the flight.
I decided many years ago to work for myself rather thanwork for somebody else.
I made that lifechanging decision to work on myself morethan I was working on my job, so I started a journey of self-improvement andmentoring to improve my wealth and health.
Do you ever wonder why you never seem to have enoughmoney?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #property #investment#assertive #businessclassflight #freemoneytraining #moneytips #relationships#health
Are you ready to dive into a thought-provoking discussion?In today's episode of the Charles Kelly Money Tips Podcast, we're delving deepinto a topic that affects us all: "The Banks Own The World." Strap inas we uncover the layers behind this statement and explore its implications onour financial landscape.
In an era where financial institutions wield immense power,understanding the dynamics at play is crucial. From mortgages to investments,the influence of banks permeates every aspect of our economic lives. But whatdoes it truly mean for the banks to "own" the world?
First and foremost, it's essential to recognize the sheerscale of the banking industry's reach. With assets totalling in the trillions,major banks possess unparalleled control over global capital flows. Throughintricate financial mechanisms, they shape economies, dictate interest rates,and influence government policies.
Moreover, the notion of ownership extends beyond meremonetary control. Banks hold sway over individuals and businesses alike,determining access to credit, loans, and financial services. This concentrationof power raises questions about economic equality and the distribution of wealth.
By gaining insights into how the banking system operates,individuals can navigate financial landscapes more effectively. From optimizing savings to making informed investment decisions, knowledge becomes a tool for reclaiming financial autonomy.
In the midst of recognizing the extensive influence ofbanks, it's crucial to explore alternative avenues for raising capital andconducting business without solely relying on traditional banking institutions.One effective strategy is to leverage the power of crowdfunding platforms.Whether through rewards-based crowdfunding on platforms like Kickstarter orequity crowdfunding on sites such as SeedInvest, entrepreneurs can accesscapital directly from a broad base of supporters, bypassing the need for traditionalbank loans. Additionally, exploring peer-to-peer lending networks providesanother avenue for securing financing.
Platforms like LendingClub and Prosper facilitate directlending between individuals, offering competitive interest rates and flexibleterms.
Fostering strategic partnerships and seeking venturecapital investment can fuel business growth without resorting to bank loans. Bydiversifying funding sources and tapping into innovative financing models,entrepreneurs can chart a path towards success while reducing dependency ontraditional banking institutions.
Tune in to the Charles Kelly Money Tips Podcast on Spotify, iTunesand YouTube and unravel the mysteries behind the assertion that "The BanksOwn The World." Together, let's embark on a journey towards financialenlightenment and empowerment. Because when we understand the system, we holdthe keys to our financial destiny.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment
Are you ready to dive into a thought-provoking discussion?In today's episode of the Charles Kelly Money Tips Podcast, we're delving deepinto a topic that affects us all: "The Banks Own The World." Strap inas we uncover the layers behind this statement and explore its implications onour financial landscape.
In an era where financial institutions wield immense power,understanding the dynamics at play is crucial. From mortgages to investments,the influence of banks permeates every aspect of our economic lives. But whatdoes it truly mean for the banks to "own" the world?
First and foremost, it's essential to recognize the sheerscale of the banking industry's reach. With assets totalling in the trillions,major banks possess unparalleled control over global capital flows. Throughintricate financial mechanisms, they shape economies, dictate interest rates,and influence government policies.
Moreover, the notion of ownership extends beyond meremonetary control. Banks hold sway over individuals and businesses alike,determining access to credit, loans, and financial services. This concentrationof power raises questions about economic equality and the distribution of wealth.
By gaining insights into how the banking system operates,individuals can navigate financial landscapes more effectively. From optimizing savings to making informed investment decisions, knowledge becomes a tool for reclaiming financial autonomy.
In the midst of recognizing the extensive influence ofbanks, it's crucial to explore alternative avenues for raising capital andconducting business without solely relying on traditional banking institutions.One effective strategy is to leverage the power of crowdfunding platforms.Whether through rewards-based crowdfunding on platforms like Kickstarter orequity crowdfunding on sites such as SeedInvest, entrepreneurs can accesscapital directly from a broad base of supporters, bypassing the need for traditionalbank loans. Additionally, exploring peer-to-peer lending networks providesanother avenue for securing financing.
Platforms like LendingClub and Prosper facilitate directlending between individuals, offering competitive interest rates and flexibleterms.
Fostering strategic partnerships and seeking venturecapital investment can fuel business growth without resorting to bank loans. Bydiversifying funding sources and tapping into innovative financing models,entrepreneurs can chart a path towards success while reducing dependency ontraditional banking institutions.
Tune in to the Charles Kelly Money Tips Podcast on Spotify, iTunesand YouTube and unravel the mysteries behind the assertion that "The BanksOwn The World." Together, let's embark on a journey towards financialenlightenment and empowerment. Because when we understand the system, we holdthe keys to our financial destiny.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment
How do you feel about debt?
Do you think debt is good or bad?
Are you using debt to increase or decreaseyour wealth?
This comes back to your mindset around money and debt.
For instance, older people tend to be debt and riskaverse. They try to pay off their mortgages as quickly as possible and oftenbuy one house and stay there for the rest of their lives.
They are certainly not open borrowing money against theirhouse, using leverage, to buy a second or third investment property to increasetheir passive income or wealth.
I’m not talking about bad debt or consumer debt,like charging everything to your credit card or borrowing to buy expensive carsand big TVs.
I am talking about, good debt and leverage to buyproperties or start a business.
My relationship with that sort of debt is healthy, andI’ve always used leverage to make my money work harder for me.
However, you also need to take some precautions so thatit does not get out of hand and you over leverage yourself or your company.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment
How do you feel about debt?
Do you think debt is good or bad?
Are you using debt to increase or decreaseyour wealth?
This comes back to your mindset around money and debt.
For instance, older people tend to be debt and risk averse.They try to pay off their mortgages as quickly as possible and often buy onehouse and stay there for the rest of their lives.
They are certainly not open borrowing money against theirhouse, using leverage, to buy a second or third investment property to increasetheir passive income or wealth.
I’m not talking about bad debt or consumer debt,like charging everything to your credit card or borrowing to buy expensive carsand big TVs.
I am talking about, good debt and leverage to buyproperties or start a business.
My relationship with that sort of debt is healthy, andI’ve always used leverage to make my money work harder for me.
However, you also need to take some precautions so thatit does not get out of hand and you over leverage yourself or your company.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment
Words can cut you like a knife.
Jim Rohn
Whoever wrote, sticks and stones may break my bones, but words will never hurt me, must’ve been drunk!
Be careful of the word you used to people because you can affect them deeply.
A young amy Winehouse went to an event in a vintage blackdress and looked gorgeous.
Press said that she looked plump or fat, which was nottrue. A friend later said that that affected her deeply, and she went into aneating disorder which stayed with her.
I wonder if the so-called journalist, who wrote thatrealises that those words could’ve led to her eventual, tragic death.
Paul McCartney once confronted a journalist oversomething he written. The journalist was surprised and said he didn’t thinkPaul would take any notice of what he wrote, but he was wrong.
Even talented superstars have feelings and can be hurt bywords or criticism.
Steve Martin went into a six-month depression after aspoof journalist, called out to him at a movie premiere “why are your movies,not funny anymore?”
Big stars can be very sensitive and have delicate egos.
When I was young, I would often speak to quickly, and saythe first thing that came into my head, which was often a joke or sarcasticremark.
I would unwittingly upset people.
I was too immature to understand the cause and effect ofmy words.
Now, I am more careful with my words.
Words can also inspire and move people and nations.
The great speakers use words which touch our emotions,which is why they are great speakers.
Average speakers use facts and figures, which is why theyare average.
Unlock Your Earnings Potential On Social Media
In today's world, social media isn't just a pastime;it's a powerhouse for both personal and professional endeavours.
Every day, countless individuals invest significantchunks of time on various social media platforms.
But here's the real question: are you merely aconsumer, or are you actively crafting content?
Do you engage as a seller, or do you prefer topurchase others' offerings?
The truth is, social media can be a goldmine forearning money.
The crucial factor? Knowing how to leverage iteffectively.
Whether you're aiming to pad your own pockets or boostyour business's bottom line, there's ample opportunity waiting to be seized.
Discover the secrets to monetizing your social mediapresence and kickstart your journey toward financial empowerment.
Ready to delve deeper? Subscribeto my Financial Education newsletter for exclusive insights and strategies.[https://contexttraining.aweb.page/p/4a278f33-c9d0-44e4-a847-7bf02a63f713]
#finance #moneytraining #moneymanagement #wealth#money #marketing #sales #socialmedia #financialeducation #makemoney #tiktok#financialfreedom
SocialMediaMarketing#OnlineBusiness #DigitalMarketing #Entrepreneurship #ContentCreation #Monetization #BusinessTips #IncomeGeneration#SocialMediaStrategy #MoneyMaking #OnlineIncome #MarketingTips#EntrepreneurLife #SuccessMindset
Words can cut you like a knife. Jim Rohn
Whoever wrote, sticks and stones may break my bones, but words will never hurt me, must’ve been drunk!
Be careful of the word you used to people because you can affect them deeply.
A young amy Winehouse went to an event in a vintage blackdress and looked gorgeous.
Press said that she looked plump or fat, which was nottrue. A friend later said that that affected her deeply, and she went into aneating disorder which stayed with her.
I wonder if the so-called journalist, who wrote thatrealises that those words could’ve led to her eventual, tragic death.
Paul McCartney once confronted a journalist oversomething he written. The journalist was surprised and said he didn’t thinkPaul would take any notice of what he wrote, but he was wrong.
Even talented superstars have feelings and can be hurt bywords or criticism.
Steve Martin went into a six-month depression after aspoof journalist, called out to him at a movie premiere “why are your movies,not funny anymore?”
Big stars can be very sensitive and have delicate egos.
When I was young, I would often speak to quickly, and saythe first thing that came into my head, which was often a joke or sarcasticremark.
I would unwittingly upset people.
I was too immature to understand the cause and effect ofmy words.
Now, I am more careful with my words.
Words can also inspire and move people and nations.
The great speakers use words which touch our emotions,which is why they are great speakers.
Average speakers use facts and figures, which is why theyare average.
Unlock Your Earnings Potential On Social Media
In today's world, social media isn't just a pastime;it's a powerhouse for both personal and professional endeavours.
Every day, countless individuals invest significantchunks of time on various social media platforms.
But here's the real question: are you merely aconsumer, or are you actively crafting content?
Do you engage as a seller, or do you prefer topurchase others' offerings?
The truth is, social media can be a goldmine forearning money.
The crucial factor? Knowing how to leverage iteffectively.
Whether you're aiming to pad your own pockets or boostyour business's bottom line, there's ample opportunity waiting to be seized.
Discover the secrets to monetizing your social mediapresence and kickstart your journey toward financial empowerment.
Ready to delve deeper? Subscribeto my Financial Education newsletter for exclusive insights and strategies.[https://contexttraining.aweb.page/p/4a278f33-c9d0-44e4-a847-7bf02a63f713]
#finance #moneytraining #moneymanagement #wealth#money #marketing #sales #socialmedia #financialeducation #makemoney #tiktok#financialfreedom
SocialMediaMarketing#OnlineBusiness #DigitalMarketing #Entrepreneurship #ContentCreation #Monetization #BusinessTips #IncomeGeneration#SocialMediaStrategy #MoneyMaking #OnlineIncome #MarketingTips#EntrepreneurLife #SuccessMindset
How do you feel about debt?
Do you think debt is good or bad?
Are you using debt to increase or decreaseyour wealth?
This comes back to your mindset around money and debt.
For instance, older people tend to be debt and risk averse.They try to pay off their mortgages as quickly as possible and often buy onehouse and stay there for the rest of their lives.
They are certainly not open borrowing money against theirhouse, using leverage, to buy a second or third investment property to increasetheir passive income or wealth.
I’m not talking about bad debt or consumer debt,like charging everything to your credit card or borrowing to buy expensive carsand big TVs.
I am talking about, good debt and leverage to buyproperties or start a business.
My relationship with that sort of debt is healthy, andI’ve always used leverage to make my money work harder for me.
However, you also need to take some precautions so thatit does not get out of hand and you over leverage yourself or your company.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #debt#leverage #property #investment
Social Media is an integral part of life and business.
Billions of people spend several hours a day on a socialmedia platform.
Are you a consumer or a creator of social edia content?
Are you providing a product or a buyer of someone’sproduct?
You are making money on social media.
The question is for who?
You are either making money for yourself or for someoneelse!
You can learn how to monetise your time on social mediaand start making money for yourself or your business.
If you like to find out more click here to subscribe to my Financial Education newsletter.
(https://contexttraining.aweb.page/p/4a278f33-c9d0-44e4-a847-7bf02a63f713).
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #socialmedia#financialeducation #makemoney #tiktok #financialfreedom
Social Media is an integral part of life and business.
Billions of people spend several hours a day on a socialmedia platform.
Are you a consumer or a creator of social media content?
Are you providing a product or a buyer of someone’sproduct?
You are making money on social media.
The question is for who?
You are either making money for yourself or for someoneelse!
You can learn how to monetise your time on social mediaand start making money for yourself or your business.
If you like to find out more click here to subscribe to my Financial Education newsletter.
(https://contexttraining.aweb.page/p/4a278f33-c9d0-44e4-a847-7bf02a63f713).
finance#moneytraining #moneymanagement #wealth #money #marketing #sales #socialmedia#financialeducation #makemoney #tiktok #financialfreedom
Marketing is generating leads.
Sales is converting those leads into customers.
If you want to become a successful entrepreneur, you mustbecome good at marketing and sales.
However, these are skills that are useful to everyone inlife, even if you are an employee.
Check out my book, Borrowand Grow Rich, using OPM Other people’s money –
https://amzn.eu/d/1RjjABX
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales
Marketing is generating leads.
Sales is converting those leads into customers.
If you want to become a successful entrepreneur, you must become good at marketing and sales.
However, these are skills that are useful to everyone inlife, even if you are an employee.
Check out my book, Borrowand Grow Rich, using OPM Other people’s money –
https://amzn.eu/d/1RjjABX
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #marketing #sales
Which of these represents you best?
Some people are asset rich, but time poor.
They are willing to work with people who are time rich lack money.
I wrote about this in my book, Borrow and Grow Rich, using OPM Otherpeople’s money –
https://amzn.eu/d/1RjjABX
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money
Which of these represents you best?
Some people are asset rich, but time poor.
They are willing to work with people who are time rich lack money.
I wrote about this in my book, Borrow and Grow Rich, using OPM Otherpeople’s money –
https://amzn.eu/d/1RjjABX
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money
When it comes to suppliers like your mortgage lender and mobile phone provider loyalty does not always pay. In fact, it could cost you dearly.
Banks, insurance companies, lenders and utilities treatexisting customers with complacency, and were still they offer better deals to new customers!
Shopping around has never been easier with all of thecomparison sites available to find the best deals.
I’ve personally saved tens, of thousands of pounds byswitching providers and reviewing existing deals.
Get switching!
Ever wonder why you never seem tohave enough money?
We are living inchallenging economic times.
I want to show youhow can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I amrunning a free training webinar.
3 Steps ToSuccess Money Management!
I want to take youto the next level, help you get control of your money, learn how to invest andbecome financially free.
Join me online onmy free live money management training Wednesday at 7.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
finance #moneytraining#moneymanagement #wealth #money
When it comes to suppliers like your mortgage lender and mobile phone provider loyalty does not always pay. In fact, it could cost you dearly.
Banks, insurance companies, lenders and utilities treatexisting customers with complacency, and were still they offer better deals to new customers!
Shopping around has never been easier with all of thecomparison sites available to find the best deals.
I’ve personally saved tens, of thousands of pounds byswitching providers and reviewing existing deals.
Get switching!
Ever wonder why you never seem tohave enough money?
We are living inchallenging economic times.
I want to show youhow can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I amrunning a free training webinar.
3 Steps ToSuccess Money Management!
I want to take youto the next level, help you get control of your money, learn how to invest andbecome financially free.
Join me online onmy free live money management training Wednesday at 7.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
finance #moneytraining#moneymanagement #wealth #money
Do not believe that people with money have no problems.Everyone has problems, but money gives you the ability to deal with them or affectively.
The person you need to become to become rich, will make you a sort of person that can handle and cope with problems, but they will never go away.
Life is like a garden. It needs tending and watering.
There is a place where all the people have no problems -a cemetery!
If you have problems, you have life and you are living!
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money
Do not believe that people with money have no problems.Everyone has problems, but money gives you the ability to deal with them or affectively.
The person you need to become to become rich, will make you a sort of person that can handle and cope with problems, but they will never go away.
Life is like a garden. It needs tending and watering.
There is a place where all the people have no problems -a cemetery!
If you have problems, you have life and you are living!
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money
Resources and resourcefulness are both assets.
Some of us will have many resources, but all of can haveresourcefulness.
Some of you are born with resources and riches, buteveryone is born with resourcefulness.
We have infinite resourcefulness but use only 2% ofit.
As we come out of childhood, we lose much of ourcreativity, wonder and enthusiasm for life as we are moulded into the system.
Get back your resourcefulness and you will have moreresources.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #wealth #happiness
Resources and resourcefulness are both assets.
Some of us will have many resources, but all of can haveresourcefulness.
Some of you are born with resources and riches, buteveryone is born with resourcefulness.
We have infinite resourcefulness but use only 2% ofit.
As we come out of childhood, we lose much of ourcreativity, wonder and enthusiasm for life as we are moulded into the system.
Get back your resourcefulness and you will have moreresources.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #wealth #happiness
They say money doesn’t make you happy, but is that entirely true?
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH
If everything else was equal, would you rather:
· Be broke or rich?
· Live in a nice house or a dump?
· Drive a good car or an old banger?
· Get medical treatment now or in two years’ time?
· Travel first class or economy?
Money is a tool that makes life easier for us to live abetter life and provide for our needs and our families.
Do you want the best tools for the job? Of course!
Check out my book: Yes,Money Can Buy You Happiness! Available on Amazon.
https://amzn.eu/d/a8LjMrj
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #wealth #happiness
They say money doesn’t make you happy, but is that entirely true?
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH
If everything else was equal, would you rather:
· Be broke or rich?
· Live in a nice house or a dump?
· Drive a good car or an old banger?
· Get medical treatment now or in two years’ time?
· Travel first class or economy?
Money is a tool that makes life easier for us to live abetter life and provide for our needs and our families.
Do you want the best tools for the job? Of course!
Check out my book: Yes, Money Can Buy You Happiness! Available on Amazon.
https://amzn.eu/d/a8LjMrj
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
finance #moneytraining #moneymanagement #wealth #money #wealth #happiness
There’s an old saying that family to go from rags toriches to rags in three generations.
First generation work super hard.
Second generation continues but not so hard.
Third generation spends it!
Countries go through the same process which generallyleads to decline.
100 years ago, Great Britain was the most powerful andrichest nation on Earth, but just over 50 years later had to be bailed out bythe IMF because it was bankrupt.
America looks to be heading the same way, While the Sunis rising in Asia, in particular, China and India.
If you observe the people of Asia, they are extremely hard-working,better educated, and more ambitious than the average young Westerner.
You can feel the energy in most Southeast Asia countries.
I have observed firsthand the rise of Asia, and the unfortunateslow decline of the West.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #wealth
There’s an old saying that family to go from rags toriches to rags in three generations.
First generation work super hard.
Second generation continues but not so hard.
Third generation spends it!
Countries go through the same process which generallyleads to decline.
100 years ago, Great Britain was the most powerful andrichest nation on Earth, but just over 50 years later had to be bailed out bythe IMF because it was bankrupt.
America looks to be heading the same way, While the Sunis rising in Asia, in particular, China and India.
If you observe the people of Asia, they are extremely hard-working,better educated, and more ambitious than the average young Westerner.
You can feel the energy in most Southeast Asia countries.
I have observed firsthand the rise of Asia, and the unfortunateslow decline of the West.
Ever wonder why you never seem to have enough money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #money #wealth
People think that holding the cash in the bank is risk freewhen you compare it to investing in assets, such as stocks and shares or property.
Whilst it’s true that a bank deposit carries less riskand volatility, it is far from risk free.
Bank deposits are only insured up to £85,000 in the UK($250,000 in the US).
Inflation is eating into your cash every month.
The value of your money is going down every year.
Course, it’s sensible to keep 3 to 6 months of cashreserves in the bank, but other than that it makes no sense to keep your moneyin the bank over the longer term.
In order to receive a good long-term return on yourmoney, it needs to be invested into assets, such as stocks and shares, propertyand bonds, as well as to a lesser extent, precious-metal commodities, such asgold and silver.
While the investment landscape continuesto evolve with the emergence of new opportunities such as cryptocurrencies, theenduring appeal of gold and silver remains undeniable. These precious metalsoffer stability, tangibility, diversification, inherent value, and atime-tested hedge against inflation. Investors looking for a reliable andproven store of value should consider the enduring allure of gold and silver asfoundational elements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call,click here.
https://pure-gold.co/charles-kelly
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage#firsttimebuyer #mortgagerates#homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #money #buytolet #rentalproperty#pensions
People think that holding the cash in the bank is risk freewhen you compare it to investing in assets, such as stocks and shares orproperty.
Whilst it’s true that a bank deposit carries less riskand volatility, it is far from risk free.
Bank deposits are only insured up to £85,000 in the UK($250,000 in the US).
Inflation is eating into your cash every month.
The value of your money is going down every year.
Course, it’s sensible to keep 3 to 6 months of cashreserves in the bank, but other than that it makes no sense to keep your moneyin the bank over the longer term.
In order to receive a good long-term return on yourmoney, it needs to be invested into assets, such as stocks and shares, propertyand bonds, as well as to a lesser extent, precious-metal commodities, such asgold and silver.
While the investment landscape continuesto evolve with the emergence of new opportunities such as cryptocurrencies, theenduring appeal of gold and silver remains undeniable. These precious metalsoffer stability, tangibility, diversification, inherent value, and atime-tested hedge against inflation. Investors looking for a reliable andproven store of value should consider the enduring allure of gold and silver asfoundational elements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call,click here.
https://pure-gold.co/charles-kelly
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage#firsttimebuyer #mortgagerates#homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #money #buytolet #rentalproperty#pensions
Pension Fund Charges Can Seriously Damage Your Wealth
How much is your pension fund charging you? It can make a huge difference to your eventual retirement fund and income.
The average saver in the UK will accumulate a pensionfund over your lifetime of £200,000.
If you choose a scheme where the fund charges are 0.4%,compared to a fund charging 0.75%, a difference of 0.35%, the difference is £70,000!
Source: Keith Lay, People’s Partnership
Take independent financial advice on pensions.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance #moneytraining#moneymanagement #pensions #retirement
Pension Fund Charges Can Seriously Damage Your Wealth
How much is your pension fund charging you? It can make a huge difference to your eventual retirement fund and income.
The average saver in the UK will accumulate a pensionfund over your lifetime of £200,000.
If you choose a scheme where the fund charges are 0.4%,compared to a fund charging 0.75%, a difference of 0.35%, the difference is £70,000!
Source: Keith Lay, People’s Partnership
Take independent financial advice on pensions.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance #moneytraining#moneymanagement #pensions #retirement
“The value of an investment is based on a number todaymultiplied by a story tomorrow.” Morgan Housel
Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH
For instance, the earnings per share of a company is thenumber today, and P/E ratio is the story tomorrow.
It’s not always the best product that wins investors or thesale.
Entrepreneurs who have the best stories, like Elon Musk,obtain huge valuations for their companies by telling a great story and sellinga vision of the future valuation.
Even if you don’t run a company, you can tell your story,whether it’s to the people around, afuture partner or your potential employer.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #jesus
“The value of an investment is based on a number todaymultiplied by a story tomorrow.”
Morgan Housel
Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
For instance, the earnings per share of a company is thenumber today, and P/E ratio is the story tomorrow.
It’s not always the best product that wins investors or thesale.
Entrepreneurs who have the best stories, like Elon Musk,obtain huge valuations for their companies by telling a great story and sellinga vision of the future valuation.
Even if you don’t run a company, you can tell your story,whether it’s to the people around, afuture partner or your potential employer.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 7.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
finance#moneytraining #moneymanagement #wealth #jesus
Enjoy your life and money, spend time with your family and people who are important to you.
Whilst it is important to make money, invest and look afteryour money, don’t let it become such an obsession that you neglect everything else in your life, that’s really important.
Life is, but a fleeting moment in history, so make the bestof it while we’re here on this earth.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Enjoy your life and money, spend time with your family and people who are important to you.
Whilst it is important to make money, invest and look afteryour money, don’t let it become such an obsession that you neglect everything else in your life, that’s really important.
Life is, but a fleeting moment in history, so make the bestof it while we’re here on this earth.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Living in the state of gratitude helps you attract more ofthat which you are grateful for. This could be things like having good health, living in a good country, or just having a great day.
If you are ungrateful and unhappy in your life, you willalways be striving for more, always dissatisfied. You will never have enough.
Join my Money Tips 365 SupportersClub on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
gratitude #health #money #moneytips
Living in the state of gratitude helps you attract more ofthat which you are grateful for. This could be things like having good health, living in a good country, or just having a great day.
If you are ungrateful and unhappy in your life, you willalways be striving for more, always dissatisfied. You will never have enough.
Join my Money Tips 365 SupportersClub on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
gratitude #health #money #moneytips
Learn The Secrets Of Successful People, Read Biographies – Money Tips 365 Day 31
You can discover exactly out how wealthy businesspeople, sports and movie stars achieved success by reading biographies!
Join my Money Tips 365 Supporters Club on Spotify: -https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
moneytips #readbooks #wealth #success
Learn The Secrets Of Successful People, Read Biographies – Money Tips 365 Day 31
You can discover exactly out how wealthy businesspeople, sports and movie stars achieved success by reading biographies!
moneytips #readbooks #wealth #success
Obesity and diabetes in the West has gone through the roof along with prescription drugs.
Join my Money Tips 365 Supporters Club on Spotify: -https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Cancer amongst the UK’s young has risen by 70% since 1990.
Children’s behaviour in school has gone from bad to worse in England and Wales, according to a new report.
More and more children are now being diagnosed with behavioural or mental illnesses.
It’s inconceivable that this is not linked to the change in the western (American) diet over the last 50 to 100 years.
Much of this seems to stem from health professionals’ and heart foundations absolute belief in the food pyramid and demonisation of meat.
Meat and farm food production under threat.
A company in Europe has started to 3-D print, yes, artificially, 3-D, prints, “meat” created in a laboratory. NO!!!
There are many diets from around the world, but only one that definitely does NOT work: the American Western diet!
What has this got to do with money and success? EVERYTHING!
Wealth is health.
I lost 13 kg?
I didn’t starve myself or become a gym rat.
I cut carbs and sugar, ate plenty of meat, fat and veg, walked.
Wealth is health.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Join my Money Tips 365 Supporters Club on Spotify: -https://podcasters.spotify.com/pod/show/charles-kelly/subscribeObesity and diabetes in the West has gone through the roof along with prescription drugs.
Cancer amongst the UK’s young has risen by 70% since 1990.
Children’s behaviour in school has gone from bad to worse in England and Wales, according to a new report.
More and more children are now being diagnosed with behavioural or mental illnesses.
It’s inconceivable that this is not linked to the change in the western (American) diet over the last 50 to 100 years.
Much of this seems to stem from health professionals’ and heart foundations absolute belief in the food pyramid and demonisation of meat.
Meat and farm food production under threat.
A company in Europe has started to 3-D print, yes, artificially, 3-D, prints, “meat” created in a laboratory.
There are many diets from around the world, but only one that definitely does NOT work: The American Western diet!
No thanks.
What has this got to do with money and success? EVERYTHING!
Wealth is health.
I lost 13 kg on low carb!
I didn’t starve myself or become a gym rat.
I cut carbs and sugar, ate plenty of meat, fat and veg, walked.
Wealth is health.
Join my Money Tips 365 Supporters Club on Spotify: -https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Leverage is a term used in business for borrowing moneyor using debt to buy assets.
Other people’s money (OPM) has been deployed forcenturies to help governments and businesses to raise capital, which I’vewritten about in my book, Borrow and Grow Rich.
There is a big difference between good debt, which helpsyou buy assets that produce income, capital growth, and create jobs and baddebt to consumer goods which go down in value.
Can you think of an example of where you have used gooddebt or leverage to buy an asset like a property?
Have you also used bad debt, such as a credit card, tobuy something that you didn’t want to save up for?
How much has that item cost you in interest?
Lessons
Use good debt, leverage and OPM to accelerate your wealthbuilding process.
Avoid credit cards and other bad debt and only use acredit card to pay for things that you can repay in full at the end of themonth.
If you have credit card debts, start on a plan to clearthe balance as soon as possible, rather than just paying the minimum amounteach month.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Leverage is a term used in business for borrowing moneyor using debt to buy assets.
Other people’s money (OPM) has been deployed forcenturies to help governments and businesses to raise capital, which I’ve written about in my book, Borrow and Grow Rich.
There is a big difference between good debt, which helpsyou buy assets that produce income, capital growth, and create jobs and bad debt to consumer goods which go down in value.
Can you think of an example of where you have used gooddebt or leverage to buy an asset like a property?
Have you also used bad debt, such as a credit card, tobuy something that you didn’t want to save up for?
How much has that item cost you in interest?
Lessons
Use good debt, leverage and OPM to accelerate your wealth building process.
Avoid credit cards and other bad debt and only use acredit card to pay for things that you can repay in full at the end of the month.
If you have credit card debts, start on a plan to clearthe balance as soon as possible, rather than just paying the minimum amount each month.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
Please LIKE and SHARE – WATCH YOUTUBE VIDEO- https://youtu.be/taJgXOqp9O0
Here are some tips to help you save and accumulate more money.
1 Pay yourself and save first, spend what’s left
2 Avoid credit card debt interest
3 Track yourincome and expenditure
‘T’ for ‘track’ isincluded in my programme, MasterYour Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
4 Start savingand investing
Check out www.gov.uk/individual-savings-accounts formore information. Check for the best cash ISA rates at Moneyfacts.Shop around and be prepared to move your money to obtain the best rates.
5 Emergency or contingency funds
6 Loyalty doesn’t always pay - switchsuppliers
Check your latest utility statements andcheck out comparison sites, such as uswitch or moneysupermarket.
7 Reduce yourcar insurance
8 Review your mortgage
‘R’ for ‘review’ ispart of my programme, MasterYour Money the S.M.A.R.TWay training. Check it out - https://bit.ly/3isugCr.
9 Check your tax code to pay less toHMRC
10 Look for oldbank accounts and pension policies
11 Check for anyentitlements to benefits.
12 Reduceyour grocery bill
13 Avoid wasting food
14 Explore localcharities for help – there is an abundance of food given away by supermarkets
15 Check your workplace or private pension
16 Check yourstate pension and NI contributions level
17 Use loyaltycards, price match and vouchers and dealfinders
Try hackslike VoucherCodes ‘DealFinder’ asa plug-in on Chrome to be alerted to the best deals while buying online.
There are hundredsof money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can getpaid to walk and exchange your steps for store discounts andfreebies.
18 Cut energy bills
Check out the EnergySaving Trust for some great energy and money savinghacks.
19 Sell unwanted stuff onresale platforms
You can turnunwanted clothes into cash usingresale platforms such as Depop, Vinted and eBay.
20 Mindset – avoid emotional spendingand blowing your salary on payday
In my programmes and YouTubeMoney Tips Podcast videos I talk about money mindset. A recent surveyby Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half theirspare monthly wages within 48 hours of payday!
21 Plan, organise and forecast
The key is in planning and organising yourexpenditure, work, goals, relationships and life! As in the first tip, prioritiseessential expenditure and your savings pot, before spending.
Finally, searching for the best deals,tracking and reviewing your finances and being mindful of spending money onthings to don’t really need will not only help you get through the currentcrises but help you form lifelong habits that will enable to build wealth.
For more ideas andtips, see out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
freetraining #savemoney#moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals#foodbank #getcontroloffinances #money
With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
Please LIKE and SHARE – WATCH YOUTUBE VIDEO- https://youtu.be/taJgXOqp9O0
Here are some tips to help you save and accumulate more money.
1 Pay yourself and save first, spend what’s left
2 Avoid creditcard debt interest
3 Track yourincome and expenditure
‘T’ for ‘track’ isincluded in my programme, MasterYour Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
4 Start savingand investing
Check out www.gov.uk/individual-savings-accounts formore information. Check for the best cash ISA rates at Moneyfacts.Shop around and be prepared to move your money to obtain the best rates.
5 Emergency or contingency funds
6 Loyalty doesn’t always pay - switchsuppliers
Check your latest utility statements andcheck out comparison sites, such as uswitch or moneysupermarket.
7 Reduce yourcar insurance
8 Review your mortgage
‘R’ for ‘review’ ispart of my programme, MasterYour Money the S.M.A.R.TWay training. Check it out - https://bit.ly/3isugCr.
9 Check your tax code to pay less toHMRC
10 Look for oldbank accounts and pension policies
11 Check for anyentitlements to benefits.
12 Reduceyour grocery bill
13 Avoid wasting food
14 Explore localcharities for help – there is an abundance of food given away by supermarkets
15 Check your workplace or private pension
16 Check yourstate pension and NI contributions level
17 Use loyaltycards, price match and vouchers and dealfinders
Try hackslike VoucherCodes ‘DealFinder’ asa plug-in on Chrome to be alerted to the best deals while buying online.
There are hundredsof money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can getpaid to walk and exchange your steps for store discounts andfreebies.
18 Cut energy bills
Check out the EnergySaving Trust for some great energy and money savinghacks.
19 Sell unwanted stuff onresale platforms
You can turnunwanted clothes into cash usingresale platforms such as Depop, Vinted and eBay.
20 Mindset – avoid emotional spendingand blowing your salary on payday
In my programmes and YouTubeMoney Tips Podcast videos I talk about money mindset. A recent surveyby Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half theirspare monthly wages within 48 hours of payday!
21 Plan, organise and forecast
The key is in planning and organising yourexpenditure, work, goals, relationships and life! As in the first tip, prioritiseessential expenditure and your savings pot, before spending.
Finally, searching for the best deals,tracking and reviewing your finances and being mindful of spending money onthings to don’t really need will not only help you get through the currentcrises but help you form lifelong habits that will enable to build wealth.
For more ideas andtips, see out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
freetraining #savemoney#moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals#foodbank #getcontroloffinances #money
For those of you, who do not want to study the marketsand companies in detail, the next best thing is to put your money into an index tracker fund, as advised by the great Warren Buffett.
Index funds, such as those run by companies likeVanguard, literally track the markets and match the performance of the overall index.
For instance, an index fund investing in the S&P 500indices, will match the overall movement of the fund through algorithms, so investors get the benefit of the growth in the index without having to pick individual stocks.
Index funds have outperformed many of the activelymanaged funds, many of which fail to match the average movement of the markets.
This does not constitute financial advice, and you shouldalways seek expert advice from an independent financial advisor or planner.
To help you, I am running a free training webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
indexfunds #vangaurd #money #savings#invest #inflation #freetraining #stockmarket #economy #financialfreedom
For those of you, who do not want to study the marketsand companies in detail, the next best thing is to put your money into an index tracker fund, as advised by the great Warren Buffett.
Index funds, such as those run by companies likeVanguard, literally track the markets and match the performance of the overall index.
For instance, an index fund investing in the S&P 500indices, will match the overall movement of the fund through algorithms, so investors get the benefit of the growth in the index without having to pick individual stocks.
Index funds have outperformed many of the activelymanaged funds, many of which fail to match the average movement of the markets.
This does not constitute financial advice, and you shouldalways seek expert advice from an independent financial advisor or planner.
To help you, I am running a free training webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
indexfunds #vangaurd #money #savings#invest #inflation #freetraining #stockmarket #economy #financialfreedom
Risk is what’s left over after you’ve thought ofeverything.
Carl Richards
Risk is part of life as well as investing. There will bea certain amount of risk when you invest your money into a stock market linked product or an asset like a property. however, you can mitigate these risks by educating yourself and taking good financial advice.
You should never risk everything or gamble with yourmoney. Don’t bet the farm on a single investment as the saying goes.
Legendary investors like Warren Buffett have two rules. rule one, never lose money. Rule two, don’t forget, rule one.
To help you, I am running a free training webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
indexfunds #vangaurd #money #savings#invest #inflation #freetraining #stockmarket #economy #financialfreedom #risk
Risk is what’s left over after you’ve thought ofeverything. Carl Richards
Risk is part of life as well as investing. There will bea certain amount of risk when you invest your money into a stock market linked product or an asset like a property. however, you can mitigate these risks by educating yourself and taking good financial advice.
You should never risk everything or gamble with yourmoney. Don’t bet the farm on a single investment as the saying goes.
Legendary investors like Warren Buffett have two rules. rule one, never lose money. Rule two, don’t forget, rule one.
To help you, I am running a free training webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
indexfunds #vangaurd #money #savings#invest #inflation #freetraining #stockmarket #economy #financialfreedom #risk
Ambition, like appetite, varies from person to person.
Wealthy people are usually ambitious. They aim high, setgoals in order to achieve a high level of success.
The super rich have huge appetites for life and success,often going far beyond mere money.
Billionaires seek to dominate their market and crushcompetition. They have world dominating goals.
Not everyone wants to conquer the world or be abillionaire, which is why there are so few of them compared to millionaires andmultimillionaires.
However, you can enjoy a wonderful life without being abillionaire.
To help you, I am running a freetraining webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
energy #elonmusk #ambition #money #savings#invest #rockafella #inflation #freetraining #recession #economy#financialfreedom #billionaire
Ambition, like appetite, varies from person to person.
Wealthy people are usually ambitious. They aim high, setgoals in order to achieve a high level of success.
The super rich have huge appetites for life and success,often going far beyond mere money.
Billionaires seek to dominate their market and crushcompetition. They have world dominating goals.
Not everyone wants to conquer the world or be abillionaire, which is why there are so few of them compared to millionaires andmultimillionaires.
However, you can enjoy a wonderful life without being abillionaire.
To help you, I am running a freetraining webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
energy #elonmusk #ambition #money #savings#invest #rockafella #inflation #freetraining #recession #economy#financialfreedom #billionaire
Money seems to have its own energy. Some people seem to be tuned into this energy and attract money. While others repel it.
Life is energy and you need it to get out of bed in themorning.
Look after your health and get enough sleep so that you have sufficient energy to work, or lunch and run a business.
Successful and wealthy people usually have above average energy. The very rich, like billionaires, are blessed with super levels of energy and drive, and can work for 16 hours a day without a break.
Examples include Elon Musk, Donald Trump, Steve Jobs and John D. Rockefeller.
One way to generate your own energy is to become enthused and passionate about your work.
If you’re not passionate about what you’re doing, then youneed to either reignite this passion or find something that you are passionate about.
To help you, I am running a free training webinar on money management and wealth building tips.
Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
energy #elonmusk #trump #money #savings#invest #rockafella #inflation #freetraining #recession #economy#financialfreedom
Money seems to have its own energy. Some people seem to be tuned into this energy and attract money. While others repel it.
Life is energy and you need it to get out of bed in themorning.
Look after your health and get enough sleep so that you have sufficient energy to work, or lunch and run a business.
Successful and wealthy people usually have above average energy. The very rich, like billionaires, are blessed with super levels of energy and drive, and can work for 16 hours a day without a break.
Examples include Elon Musk, Donald Trump, Steve Jobs and John D. Rockefeller.
One way to generate your own energy is to become enthused and passionate about your work.
If you’re not passionate about what you’re doing, then youneed to either reignite this passion or find something that you are passionate about.
To help you, I am running a freetraining webinar on money management and wealth building tips. Click link: https://bit.ly/3QPp8IH
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
energy #elonmusk #trump #money #savings#invest #rockafella #inflation #freetraining #recession #economy#financialfreedom
Are you worried about the future of the economy and your finances? It's a valid concern, especially with the uncertainty that comes with a recession. But what if I toldyou that there's a way to not only survive but thrive during tough economic times?
Through extensive research and experience, I have uncovered 6 proven tactics that have helpedpeople weather any recession and thrive financially. These tactics have been tested and refined, and I am confident that they will work for you too.
There’s no doubtthat we are living in challenging economic times and many people are living in fear. But if you always do what you’ve always done, you’ll always get what you’ve always got!
To help you, I am running a free training webinar on money management and wealth building tips.
Click link: https://bit.ly/3QPp8IH
Finally, keep learning and working onyourself and you will thrive in any economy.
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
money #savings #invest #costoflivingcrisis#inflation #freetraining #recession #economy #financialfreedom
Are you worried about the future of the economy and your finances? It's a valid concern, especially with the uncertainty that comes with a recession. But what if I toldyou that there's a way to not only survive but thrive during tough economic times?
Through extensive research and experience, I have uncovered 6 proven tactics that have helpedpeople weather any recession and thrive financially. These tactics have beentested and refined, and I am confident that they will work for you too.
There’s no doubtthat we are living in challenging economic times and many people are living infear. But if you always do what you’ve always done, you’ll always get whatyou’ve always got!
To help you, I am running a free training webinar on money management and wealth building tips.
Click link: https://bit.ly/3QPp8IH
Finally, keep learning and working onyourself and you will thrive in any economy.
Join my Money Tips 365 Supporters Club onSpotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
money #savings #invest #costoflivingcrisis#inflation #freetraining #recession #economy #financialfreedom
All successful or physically fit people, I know, have self-discipline and control, all failures and unhealthy people, don’t.
Just like keeping fit or living healthily, saving is a habitwhich requires a certain amount of self-discipline and willpower.
Join my Money Tips 365Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
discipline #selfdiscipline #money #moneytips
Discipline - Money Tips Daily Day 21
All successful or physically fit people, I know, have self-discipline and control, all failures and unhealthy people, don’t.
Just like keeping fit or living healthily, saving is a habitwhich requires a certain amount of self-discipline and willpower.
Join my Money Tips 365Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
discipline #selfdiscipline #money #moneytips
Respect money and money will respect you.
People respect and nurture their money will inevitablybuild wealth and become financially free.
People who are broke and constantly running out of money invariably treat their money badly by wasting it, losing it, frivolously, gambling and generally not looking after it.
Even the way you organise your money in your wallet orpurse, organise your statements and accounts, all point towards how you respect your money.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
respect # #money #moneytips #spotify
Respect money and money will respect you.
People respect and nurture their money will inevitablybuild wealth and become financially free.
People who are broke and constantly running out of money invariably treat their money badly by wasting it, losing it, frivolously, gambling and generally not looking after it.
Even the way you organise your money in your wallet orpurse, organise your statements and accounts, all point towards how you respect your money.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
respect # #money #moneytips #spotify
Inflation Down But MortgageRates Remain High For Homeowners
Join my Money Tips 365 Supporters Clubon Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
money #moneytips
Inflation Down But MortgageRates Remain High For Homeowners
Join my Money Tips 365 Supporters Clubon Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
#money #moneytips
Luck plays an important factor in your life in more waysthan you would think.
If you’re reading this book or listening to my podcastson a computer, you are already lucky.
If you were born in the first world, western country withfree healthcare and education you have more luck on your side than you canimagine.
Billionaires like Bill Gates, and Steve Jobs were luckyto be born in the right place at the right time, to meet their businesspartners and build businesses that change the world.
Obviously, you must take advantage of your luck and takeaction when serendipity comes your way.
Studies have shown that People who are generally luckierhave certain common traits. They are generally friendly and nice to people theymeet for the first time, and willing to strike up a conversation with astranger.
Lucky people tend to be positive, open-minded, andwilling to try new things.
They are usually happy, ‘glass half full’ people that youwant to be around.
They are also grateful for everything they have in theirlife however small and are always turning negatives into positives. Likemissing the train and instead of getting annoyed, they say, “oh well, at leastnow I have time to grab that coffee and a croissant “.
You also should take action and take part in things. Asthe old saying goes, you can’t win a prize if you don’t buy ticket!
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
luck #theluckfactor #billgates #stevejobs #money #moneytips#networking
Luck plays an important factor in your life in more waysthan you would think.
If you’re reading this book or listening to my podcastson a computer, you are already lucky.
If you were born in the first world, western country withfree healthcare and education you have more luck on your side than you canimagine.
Billionaires like Bill Gates, and Steve Jobs were luckyto be born in the right place at the right time, to meet their businesspartners and build businesses that change the world.
Obviously, you must take advantage of your luck and takeaction when serendipity comes your way.
Studies have shown that People who are generally luckierhave certain common traits. They are generally friendly and nice to people theymeet for the first time, and willing to strike up a conversation with astranger.
Lucky people tend to be positive, open-minded, andwilling to try new things.
They are usually happy, ‘glass half full’ people that youwant to be around.
They are also grateful for everything they have in theirlife however small and are always turning negatives into positives. Likemissing the train and instead of getting annoyed, they say, “oh well, at leastnow I have time to grab that coffee and a croissant “.
You also should take action and take part in things. Asthe old saying goes, you can’t win a prize if you don’t buy ticket!
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
luck #theluckfactor #billgates #stevejobs #money #moneytips#networking
Making money and keeping it are different skills.
Build a wall around your financial world and family that noone can break through.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45-minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #insrance #risk #IHT #holidaylet #money #moneytips #liabilities
Making money and keeping it are different skills.
Build a wall around your financial world and family that noone can break through.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45-minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #insrance #risk #IHT #holidaylet #money #moneytips #liabilities
Yesterday I said that there are two certainties in life:death, and taxes!
Taxes do not end when people die. Millions payinheritance tax (IHT) o their parent’s estate, much of which can be legally avoided with proper tax planning.
The first step is making a Will, preferably with aprofessional who can advise you on mitigating IHT.
If you need help making a Will, email charles@charleskelly.net for a freeconsultation with a specialist.
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45-minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #savetax #Will #IHT #holidaylet #money #moneytips
Yesterday I said that there are two certainties in life:death, and taxes!
Taxes do not end when people die. Millions payinheritance tax (IHT) o their parent’s estate, much of which can be legally avoided with proper tax planning.
The first step is making a Will, preferably with aprofessional who can advise you on mitigating IHT.
If you need help making a Will, email charles@charleskelly.net for a freeconsultation with a specialist.
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45-minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #savetax #Will #IHT #holidaylet #money #moneytips
Legally Pay Less Tax
There are two certainties in life, death, and taxes, asthe old saying goes.
Legally mitigate your tax liability to pay as little taxas possible as allowed within the law.
This means taking advantage of tax breaks and allowances,for instance by maximising your savings into tax free ISAs and pension plans.
It also means adapting to changes in the tax laws, likeGeorge Osborne‘s section 24, tax hike, or Jeremy Hunt’s tax on landlord to rentout furnished holiday lets.
If necessary, seek advice from an independent financialadvisor or accountant, especially if you are self-employed or running abusiness.
The law allows you to legally pay as tax as possible, butnot illegal tax evasion.
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #savetax #pensions #ISA #holidaylet#money #moneytips #timemanagement
Legally Pay Less Tax
There are two certainties in life, death, and taxes, asthe old saying goes.
Legally mitigate your tax liability to pay as little taxas possible as allowed within the law.
This means taking advantage of tax breaks and allowances,for instance by maximising your savings into tax free ISAs and pension plans.
It also means adapting to changes in the tax laws, likeGeorge Osborne‘s section 24, tax hike, or Jeremy Hunt’s tax on landlord to rentout furnished holiday lets.
If necessary, seek advice from an independent financialadvisor or accountant, especially if you are self-employed or running abusiness.
The law allows you to legally pay as tax as possible, butnot illegal tax evasion.
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
tax #section24 #savetax #pensions #ISA #holidaylet#money #moneytips #timemanagement
We are all given the same amount of time, yet some people achieve far more than others in their lifetime.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Time is money. How do you manage your time will determine how much money and succeed you have in life.
Watch video - https://youtu.be/s5fXgfbBq5I
Wealthy people master the art of time management and use the time effectively and leverage their time to accumulate fortunes.
Wealthy people use their spare time to learn or work onthemselves and their business.
Poor people exchange the time for money and waste much of the spare time in leisurely pursuits, like watching TV and consuming mindless content on social media.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
time #money #moneytips #timemanagement
We are all given the same amount of time, yet some people achieve far more than others in their lifetime.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Time is money. How do you manage your time will determine how much money and succeed you have in life.
Wealthy people master the art of time management and use the time effectively and leverage their time to accumulate fortunes.
Wealthy people use their spare time to learn or work onthemselves and their business.
Poor people exchange the time for money and waste much of the spare time in leisurely pursuits, like watching TV and consuming mindless content on social media.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
time #money #moneytips #timemanagement
Money Tips 365 Day 15 - Time
We are all given the same amount of time, yet some peopleachieve far more than others in their lifetime.
Time is money. How do you manage your time will determinehow much money and succeed you have in life.
Wealthy people master the art of time management and usethe time effectively and leverage their time to accumulate fortunes.
Wealthy people use their spare time to learn or work onthemselves and their business.
Poor people exchange the time for money and waste much ofthe spare time in leisurely pursuits, like watching TV and consuming mindlesscontent on social media.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
time #money #moneytips #timemanagement
Renters Reform Act could fail, but is this good news forlandlords?
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence #money#MoneyManagement
rentersreform #landlord #section24 #section21 #property
Renters Reform Act could fail, but is this good news forlandlords?
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence #money#MoneyManagement
rentersreform #landlord #section24 #section21 #property
Leaders Are Readers
Successful people are invariably voracious readers, whichis one of the reasons they are above average or at the top in their field.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Unsuccessful and average people are usually voracious TVor social media watchers, which is why they are unsuccessful and average.
Billionaires like Oprah Winfrey attributed much of her successto reading from a young age. It took her out of poverty to superstardom.
One of the richest men that has ever lived, Bill Gates,reads at least one book a week and you can find out which books he reads on hiswebsite.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
read #Reading #Billgates #Oprah #money #briantracey
Leaders Are Readers
Successful people are invariably voracious readers, whichis one of the reasons they are above average or at the top in their field.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Unsuccessful and average people are usually voracious TVor social media watchers, which is why they are unsuccessful and average.
Billionaires like Oprah Winfrey attributed much of her successto reading from a young age. It took her out of poverty to superstardom.
One of the richest men that has ever lived, Bill Gates,reads at least one book a week and you can find out which books he reads on hiswebsite.
Join my Money Tips 365 Supporters Club on Spotify: -
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read #Reading #Billgates #Oprah #money #briantracey
Be honest in your relationships, money dealings andtransactions. In the long run, honest people prosper over those who cheat and lie.
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Your reputation has a value. Even if you can’t put afigure on it. You’ll also feel better about yourself and be more congruent with your values if you are honest life.
Contrary to popular belief, most wealthy people arehonest in their dealings with others and live, law-abiding lives, paying their taxes.
The vast majority of business is carried out by stocktrust, so being honest is a must, if you are going to prosper in business.
You also need to be honest with yourself. Can you lookyourself in the eye in the mirror and say that you are an honest and trustworthy person?
If you can’t trust and believe in yourself, who is goingto believe you or follow you?
Be honest, because it is the right thing to do.
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Honesty #trust #money #debt #Relaionships
Be honest in your relationships, money dealings andtransactions. In the long run, honest people prosper over those who cheat and lie.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Your reputation has a value. Even if you can’t put afigure on it. You’ll also feel better about yourself and be more congruent with your values if you are honest life.
Contrary to popular belief, most wealthy people arehonest in their dealings with others and live, law-abiding lives, paying their taxes.
The vast majority of business is carried out by stocktrust, so being honest is a must, if you are going to prosper in business.
You also need to be honest with yourself. Can you lookyourself in the eye in the mirror and say that you are an honest and trustworthy person?
If you can’t trust and believe in yourself, who is goingto believe you or follow you?
Be honest, because it is the right thing to do.
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Honesty #trust #money #debt #Relaionships
Build a reputation as a trustworthy person who sticks totheir word and repay the loans on time and in full.
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If you do this, people and lenders will give you more andinvest in you.
We do business with other people and relationships areextremely important right up to the highest level of business.
Business is based on trust and reputation. Who is goingto do with or lend money to someone they cannot trust?
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trust #money #debt
Build a reputation as a trustworthy person who sticks totheir word and repay the loans on time and in full.
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If you do this, people and lenders will give you more andinvest in you.
We do business with other people and relationships areextremely important right up to the highest level of business.
Business is based on trust and reputation. Who is goingto do with or lend money to someone they cannot trust?
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trust #money #debt
Build and protect your credit rating and credit history.
Even if you’re not planning to borrow money now, it makessense to look after your credit rating for future borrowing and protect yourself against fraud.
There are many free services available online to checkyour credit history, which you should do on a regular basis.
www.Experian.co.uk
www.equifax.co.uk
You need to check that your history is accurate and makesure that nobody has stolen your identity.
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Protect your credit rating at all costs, as it will affect your ability to borrow money and enter into contracts with utilities and other services.
Build and protect your credit rating and credit history.
Even if you’re not planning to borrow money now, it makessense to look after your credit rating for future borrowing and protect yourself against fraud.
There are many free services available online to checkyour credit history, which you should do on a regular basis.
www.Experian.co.uk
www.equifax.co.uk
You need to check that your history is accurate and makesure that nobody has stolen your identity.
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Protect your credit rating at all costs, as it will affect your ability to borrow money and enter into contracts with utilities and other services.
creditcard #debt #money #ccj #bankrupt
The biggest benefit of having money or becoming wealthy is not the things it will buy you, it’s the freedom and choices money gives you.
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Freedom to make choices, options in your life, where to live, the job you do, and doing the things you want to do when you want to do them!
When you have money behind you, you have the confidence to know that you don’t have to acceptany job or any terms laid down by your boss. You can, if you wish, walk away at any time, change job or quit the rat race. Freedom is invaluable.
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The biggest benefit of having money or becoming wealthy is not the things it will buy you, it’s the freedom and choices money gives you.
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https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Freedom to make choices, options in your life, where to live, the job you do, and doing the things you want to do when you want to do them!
When you have money behind you, you have the confidence to know that you don’t have to acceptany job or any terms laid down by your boss. You can, if you wish, walk away at any time, change job or quit the rat race. Freedom is invaluable.
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Habits are the things we do every day, and in the longterm, the things that make a real difference.
You don’t just brush your teeth or drink wateroccasionally?
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Just like good eating and healthy habits, sensible moneyhabits will stand you in good stead for your financial future.
Habits are the things we do every day, and in the longterm, the things that make a real difference.
You don’t just brush your teeth or drink wateroccasionally?
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Just like good eating and healthy habits, sensible moneyhabits will stand you in good stead for your financial future.
Money Tips 36 Day 7 - End of Year Tax Planning
If you are listening to this in the UK in the month of March, you only have a few weeks remaining until the end of the current tax year on 5 April.
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Now is the time to think about tax-free allowances into pensions and ISA savings schemes, as well as other tax friendly investments. Other countries vary, but the principles are the same.
If you are in business, you should also be talking to your tax or financial advisor about what tax savings you could make before the end of the current tax year. Don’t rely on your accountant to do this for you as most are not proactive.
New UK ISA allowance announced in the budget
This week, the Chancellor, Jeremy Hunt, announced a new £5000 additional tax free allowance for ISA investments provided they are invested into British shares. This means you can invest the money directly into shares or in a fund which invests in the UK stock market, such as the FTSE 100 index.
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Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move yourproperties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.
Email charles@charleskelly.net for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourne introduce this tax hike on landlords?
· Options available to landlords with buy-to-let properties in their own name
· What is classed as a property business and property partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (Capital Gains tax) and much more…
Over 29,000 people signed a petition calling on the government to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.net for a free consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence#money #MoneyManagement #FinancialEducation #SecureYourFuture #TakeControl#FinancialWellBeing #BridgeTheDivide #EqualityInFinance #economy #recession#section24 #section21 #IncorporationRelief #SDLT #StampDuty #CGT #ramsayvHMRC#buytoletproperty #buytoletlandlord #taxplanning
Persistence is a quality found in all successful people,whether in business, sports, or any other endeavour requiring effort and ability to stick with it when the going gets tough.
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Anything worth having requires work, effort, patience,and persistence to see it through. He will face obstacles, setbacks and disappointments, and this is where having a clear goal and mission will help fuel you with the persistence you need to see the job through.
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financialfreedom #money #moneytips #frugal #meatloaf #jimstienman #batotofhell #napolenhill #thinkandgrowrich
Persistence is a quality found in all successful people,whether in business, sports, or any other endeavour requiring effort and ability to stick with it when the going gets tough.
Join my Money Tips 365 Supporters Club on Spotify: -
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Watch video version on my YouTube channel
Join my Money Tips 365 SupportersClub on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Money Tips 36 Day 7 - End of Year Tax Planning
If you are listening to this in the UK in the month of March, you only have a few weeks remaining until the end of the current tax year on 5 April.
Join my Money Tips 365 SupportersClub on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Now is the time to think about tax-free allowances into pensions and ISA savings schemes, as well as other tax friendly investments. Other countries vary, but the principles are the same.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Section 24 Tax Hike Solutions Revealed By PropertyAccountant
Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.
Email charles@charleskelly.net for afree consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview wediscuss:
· What is Section 24 and when did George Osbourne introduce this tax hike onlandlords?
· Options available to landlords with buy-to-let properties in their own name
· What is classed as a property business and property partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (Capital Gains tax) and much more…
Over 29,000 people signed apetition calling on the government to reverse this unfair tax o landlords to noavail.
Find out what you can do in this video.
Email charles@charleskelly.net for afree consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence#money #MoneyManagement #FinancialEducation #SecureYourFuture #TakeControl#FinancialWellBeing #BridgeTheDivide #EqualityInFinance #economy #recession#section24 #section21 #IncorporationRelief #SDLT #StampDuty #CGT #ramsayvHMRC#buytoletproperty #buytoletlandlord #taxplanning
Emergencies. Have 3 to 6 months expenses in the bank
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Everyone needs backup funds to cope with emergencies andthings that crop up in life.
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Money Tips 365 Day 6 – Emergency Funds!
Emergencies. Have 3 to 6 months expenses in the bank
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.Everyone needs backup funds to cope with emergencies andthings that crop up in life.
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Live frugally within your means.
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Even the wealthy, well off and some billionaires arefrugal!
Watch video version on YouTube - https://youtu.be/UoO-aN5iarM
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money #moneytips #frugal #rockafella #financialfreedom
Money Tips 365 Day 5 - Frugality
Live frugally within your means.
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Even the wealthy, well off and some billionaires arefrugal!
People who show off with fine watches and fancy cars onexpensive finance are not always wealthy. They are quite often living on aknife edge on borrowed money and borrowed time.
This is not about living poor to become rich. It’s about spending carefully on the thingsyou need rather than things to impress others. It’s about waiting to save forsomething rather than buying it on a credit card and shopping around for thebest deals.
Living comfortably, but with frugality. This does notmean that you are mean and tightfisted.
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money #moneytips #frugal #rockafella #financialfreedom
Practice patience.
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Have the patience to save for something special, ratherthan buying it on a credit card.
Watch YouTube version - https://youtu.be/OdQ7Ffrqufs
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Practice patience.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Have the patience to save for something special, ratherthan buying it on a credit card.
Be patient with your investments and give them time togrow, just like planting seeds.
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Money Tips 365 Day 3 - Start!
Get started!
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Start early and save as much as you can in order to allowcompound growth and interest to work in your favour.
Watch video version - https://youtu.be/lVUv0oJDLbI
The sooner you start saving, the more money you canaccumulate over time using the power of compound interest.
Delay in the start by five years could as much as halvethe value of your retirement fund.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
money #savemoney #investing #retirement #pensions
Money Tips 365 Day 3 - Start!
Get started!
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Start early and save as much as you can in order to allowcompound growth and interest to work in your favour.
The sooner you start saving, the more money you canaccumulate over time using the power of compound interest.
Delay in the start by five years could as much as halvethe value of your retirement fund.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
money #savemoney #investing #retirement #pensions
Money Tips 365 Day 2 – Save
It’s not how much you earn that counts, it’show much you keep that makes you wealthy.
The average person can build wealth without ahigh income, but you cannot build wealth without a high savings rate.
We cannot easily control the return oninvestment, but we can easily control our rate of savings.
I’ve known many clients on average incomesbecome wealthy, but many more on high incomes end up broke.
Get into the habit of living on a percentageof your income for life’s essentials, and saving and investing the rest tobuild wealth.
The wealth that you accumulate through yoursavings efforts will be what is left over after you’ve spent the rest onliving.
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Money Tips 365 Day 2 – Save
It’s not how much you earn that counts, it’s how much you keep that makes you wealthy.
The average person can build wealth without a high income, but you cannot build wealth without a high savings rate.
We cannot easily control the return on investment, but we can easily control our rate of savings.
I’ve known many clients on average incomes becomewealthy, but many more on high incomes end up broke.
Get into the habit of living on a percentage of your income for life’s essentials, and saving and investing the rest to buildwealth.
The wealth that you accumulate through your savingsefforts will be what is left over after you’ve spent the rest on living.
Join my Money Tips 365 Supporters Club on Spotify: -
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Money Tips 365 - Day 1 – Live Within Your Means
Starting March 2024, I will be recording a shortdaily money tip - each day for 365 days.
You’ll be able to find these tips, wherever you listen to yourpodcast, as well as my YouTube channel Charles Kelly money tips podcast.
For those of you who want more in depth exclusive content, Iwill also be producing a more detailed money tip for my paid supporter subscribers on Spotify.
For just £4.99 per month you can access exclusive contentfor my Money Tips supporters.
You can register to become a supporter on my Spotifychannel clickig the link: https://podcasters.spotify.com/pod/show/charles-kelly/subscribeDay 1 - Live within your means.
Join my supporters for more detailed exclusive content -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Money Tips 365 - Day 1 – Live Within Your Means
Starting March 2024, I will be recording a shortdaily money tip - each day for 365 days.
You’ll be able to find these tips, wherever you listen to yourpodcast, as well as my YouTube channel Charles Kelly money tips podcast.
For those of you who want more in depth exclusive content, Iwill also be producing a more detailed money tip for my paid supporter subscribers on Spotify.
For just £4.99 per month you can access exclusive contentfor my Money Tips supporters.
You can register to become a supporter on my Spotifychannel clickig the link: https://podcasters.spotify.com/pod/show/charles-kelly/subscribeDay 1 - Live within your means.
Join my Money Tips 365 Supporters Club on Spotify: -
https://podcasters.spotify.com/pod/show/charles-kelly/subscribe
Smart Money Going Into Assets, Such As Gold and Silver,Stocks and Property, not leaving their money in the bank.
Join me online on my free live money management trainingWednesday at 8.00PM. Register now https://bit.ly/3QPp8IH
In the ever-evolving landscape of investment opportunities,the age-old appeal of precious metals like gold and silver remains steadfast.Investors are often confronted with a myriad of choices, ranging from thedigital allure of cryptocurrencies to the stability of stocks and thetangibility of real estate.
Watch video version - https://youtu.be/KYP1OGVhdMQ
Before making any investment decisions, make sure you arefinancially educated ad informed, as well as taking independent financialadvice.
Where to find me: Money Tips website:https://moneytipsdaily.com/ YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips FacebookCommunity: https://www.facebook.com/groups/No1businessopportunities LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 For a free gold,investment report, and Discovery Call, click here -https://pure-gold.co/charles-kelly Section 24 See also: – Transfer PropertyInto A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment. https://bit.ly/3QPp8IH #money
stockmarket #gold #silver #inflation #money #propertyprices#rent #generationrent #investing
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence #money#MoneyManagement #FinancialEducation #SecureYourFuture #TakeControl#FinancialWellBeing #BridgeTheDivide #EqualityInFinance #economy #recession#section24 #section21 #IncorporationRelief #SDLT #StampDuty #CGT #ramsayvHMRC #buytoletproperty#buytoletlandlord
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s
In this 45 minute interview we discuss:
· What is Section 24 and when did George Osbourneintroduce this tax hike on landlords?
· 6 options available to landlords with buy-to-letproperties in their own name
· What is classed as a property business andproperty partnership?
· Ramsay v HMRC (2013) case explained
· Incorporation Relief, Stamp Duty, CGT (CapitalGains tax) and much more…
Over 29,000 people signed a petition calling on thegovernment to reverse this unfair tax o landlords to no avail.
Find out what you can do in this video.
Email charles@charleskelly.netfor a free consultation on how to deal with Section 24.
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence #money#MoneyManagement #FinancialEducation #SecureYourFuture #TakeControl#FinancialWellBeing #BridgeTheDivide #EqualityInFinance #economy #recession#section24 #section21 #IncorporationRelief #SDLT #StampDuty #CGT #ramsayvHMRC #buytoletproperty#buytoletlandlord
UK In Recession As Economy Shrinks Again
The UK is officially in recession after negative growth of -0.3%in the last two quarters of 2023.
The economy barely grew last year by 0.1% followinginflation, cost of living crisis and high interest rates.
Inflation remained at 4% this month prompting hopes of a cutin interest rates in March or April.
The government borrowed £7.8 billion in December and thenational debt stands at £2.7 trillion and 97% of GDP.
UK house prices rose in January according to the Halifax,but ONS figures a small fall in England.
Watch video version - https://youtu.be/baA4SoLPaLk
Financial Education
In my upcoming free live moneytraining session this Wednesday at 8:00 PM, we'll delve into the factorscontributing to the gender pension pay gap and explore actionable strategies tobridge this divide.
By attending, you'll gain valuable insights into:
-
Understanding the root causes of the gender pension paygap.
-
Navigating career breaks and their impact on retirementsavings.
-
Investing smartly to maximize your pension fund growth.
-
Overcoming financial challenges unique to women.
-
Empowering yourself to achieve financial freedom andsecurity.
But that's not all! When you register for the session,you'll also gain access to my free newsletter, delivering regular updates andtips to help you stay informed and in control of your finances.
Seize this opportunity to take charge of your financialwell-being. Don't let the gender pension pay gap dictate your future. Join methis Wednesday and embark on the path to financial empowerment!
Register now to secure your spot: https://bit.ly/3QPp8IH
Additionally, check out this informative video on managingyour money effectively: https://youtu.be/XDkF9LSpQgk
Together, let's strive towards closing the gender pensiongap and creating a more equitable financial landscape for all.
Join me online on my free live money training Wednesday at8.00PM. Register now below to book your seat and get regular money updatesthrough my free newsletter. https://bit.ly/3QPp8IH
What can you do to manage your money and become financiallyfree?
Watch video - https://youtu.be/XDkF9LSpQgk
Buy-to-Let Alternative To Pension Plans
Buy-to-Let investors pension plans devasted by GeorgeOsborne’s Section 24 landlord tax hike.
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty t offset Sec 24. https://youtu.be/mtGq7WaVxLA
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
https://bit.ly/3QPp8IH
buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence#ClosingTheGap #money #MoneyManagement#FinancialEducation #SecureYourFuture #TakeControl #FinancialWellBeing#BridgeTheDivide #EqualityInFinance #economy #recession #section24 #section21
UK In Recession As Economy Shrinks Again
The UK is officially in recession after negative growth of -0.3%in the last two quarters of 2023.
The economy barely grew last year by 0.1% followinginflation, cost of living crisis and high interest rates.
Inflation remained at 4% this month prompting hopes of a cutin interest rates in March or April.
The government borrowed £7.8 billion in December and thenational debt stands at £2.7 trillion and 97% of GDP.
UK house prices rose in January according to the Halifax,but ONS figures a small fall in England.
Watch video version - https://youtu.be/baA4SoLPaLk
Financial Education
In my upcoming free live moneytraining session this Wednesday at 8:00 PM, we'll delve into the factorscontributing to the gender pension pay gap and explore actionable strategies tobridge this divide.
By attending, you'll gain valuable insights into:
-
Understanding the root causes of the gender pension paygap.
-
Navigating career breaks and their impact on retirementsavings.
-
Investing smartly to maximize your pension fund growth.
-
Overcoming financial challenges unique to women.
-
Empowering yourself to achieve financial freedom andsecurity.
But that's not all! When you register for the session,you'll also gain access to my free newsletter, delivering regular updates andtips to help you stay informed and in control of your finances.
Seize this opportunity to take charge of your financialwell-being. Don't let the gender pension pay gap dictate your future. Join methis Wednesday and embark on the path to financial empowerment!
Register now to secure your spot: https://bit.ly/3QPp8IH
Additionally, check out this informative video on managingyour money effectively: https://youtu.be/XDkF9LSpQgk
Together, let's strive towards closing the gender pensiongap and creating a more equitable financial landscape for all.
Join me online on my free live money training Wednesday at8.00PM. Register now below to book your seat and get regular money updatesthrough my free newsletter. https://bit.ly/3QPp8IH
What can you do to manage your money and become financiallyfree?
Watch video - https://youtu.be/XDkF9LSpQgk
Buy-to-Let Alternative To Pension Plans
Buy-to-Let investors pension plans devasted by GeorgeOsborne’s Section 24 landlord tax hike.
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty t offset Sec 24. https://youtu.be/mtGq7WaVxLA
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
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buytoletlandlord #propertyinvestment #section24tax#georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence#ClosingTheGap #money #MoneyManagement#FinancialEducation #SecureYourFuture #TakeControl #FinancialWellBeing#BridgeTheDivide #EqualityInFinance #economy #recession #section24 #section21
Gender Pensions Pay Gap Hits Women Savers
Women falling behind men in pension savings due to genderpay gap and career breaks say Legal and General.
Join me online on my free live money training Wednesday at8.00PM. Register now below to book your seat and get regular money updatesthrough my free newsletter. https://bit.ly/3QPp8IH
What can you do to manage your money and become financiallyfree?
Watch video - https://youtu.be/XDkF9LSpQgk
Buy-to-Let investors pension plans devasted by GeorgeOsborne’s Section 24 landlord tax hike.
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty t offset Sec 24. https://youtu.be/mtGq7WaVxLA
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
https://bit.ly/3QPp8IH
buytoletlandlord #propertyinvestment #pensions#genderpaygap #womensavers #section24tax #georgeosborne #financialfreedom#retirementplanning
Gender Pensions Pay Gap Hits Women Savers
Women falling behind men in pension savings due to genderpay gap and career breaks say Legal and General.
Join me online on my free live money training Wednesday at8.00PM. Register now below to book your seat and get regular money updatesthrough my free newsletter. https://bit.ly/3QPp8IH
What can you do to manage your money and become financiallyfree?
Watch video - https://youtu.be/XDkF9LSpQgk
Buy-to-Let investors pension plans devasted by GeorgeOsborne’s Section 24 landlord tax hike.
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty t offset Sec 24. https://youtu.be/mtGq7WaVxLA
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
https://bit.ly/3QPp8IH
buytoletlandlord #propertyinvestment #pensions#genderpaygap #womensavers #section24tax #georgeosborne #financialfreedom#retirementplanning
House Prices Rise Bucking The Trend As Mortgage CostsEase
House prices rose by .7% in January and are down by just .2%compared to this time last year, according to figures from the Nationwide BuildingSociety.
Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so register now below to book your seatand get regular money updates through my free newsletter. https://bit.ly/3QPp8IH
The Bank of England held interest rates this at 5.25% whileindicating a possible rate cut this year, subject to getting inflation under control.
Watch full video episode - https://youtu.be/NSgjkJeuqYg
Why Invest in Gold and Silver Compared to Crypto, Stocks or Property –An in interview with Josh Saul, gold expert, discussing the merits of includingprecious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.
In the ever-evolving landscape ofinvestment opportunities, the age-old appeal of precious metals like gold andsilver remains steadfast. Investors are often confronted with a myriad ofchoices, ranging from the digital allure of cryptocurrencies to the stabilityof stocks and the tangibility of real estate. In this comparison, we explorewhy investing in gold and silver continues to be a compelling option comparedto the alternatives.
Watch YouTube video: https://youtu.be/woBQBtavLUM
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property andGold
Watch full video on Money Tips Podcast YouTube Channelhttps://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
https://bit.ly/3QPp8IH
House Prices Rise Bucking The Trend As Mortgage CostsEase
House prices rose by .7% in January and are down by just .2%compared to this time last year, according to figures from the Nationwide BuildingSociety.
Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so register now below to book your seatand get regular money updates through my free newsletter. https://bit.ly/3QPp8IH
The Bank of England held interest rates this at 5.25% whileindicating a possible rate cut this year, subject to getting inflation under control.
Watch full video episode - https://youtu.be/NSgjkJeuqYg
Why Invest in Gold and Silver Compared to Crypto, Stocks or Property –An in interview with Josh Saul, gold expert, discussing the merits of includingprecious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.
In the ever-evolving landscape ofinvestment opportunities, the age-old appeal of precious metals like gold andsilver remains steadfast. Investors are often confronted with a myriad ofchoices, ranging from the digital allure of cryptocurrencies to the stabilityof stocks and the tangibility of real estate. In this comparison, we explorewhy investing in gold and silver continues to be a compelling option comparedto the alternatives.
Watch YouTube video: https://youtu.be/woBQBtavLUM
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property andGold
Watch full video on Money Tips Podcast YouTube Channelhttps://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to book your seatand get regular money updates through my free newsletter.
https://bit.ly/3QPp8IH
Investing is often perceived as a rational and analyticalprocess driven solely by numbers and market trends. However, beneath thesurface lies a complex web of emotions that can significantly influenceinvestment decisions. Understanding the psychological aspect of investing iscrucial for investors looking to navigate the markets successfully. In thisarticle, we delve into why investing is often based on emotional decisions andhow recognizing and managing these emotions can lead to better financial outcomes.
Gold and silver have a long-establishedreputation as effective hedges against inflation. When fiat currencies losevalue due to inflationary pressures, the purchasing power of gold and silvertends to rise. This characteristic makes them particularly attractive toinvestors seeking to protect their wealth from the eroding effects ofinflation.
While the investment landscape continuesto evolve with the emergence of new opportunities such as cryptocurrencies, theenduring appeal of gold and silver remains undeniable. These precious metalsoffer stability, tangibility, diversification, inherent value, and atime-tested hedge against inflation. Investors looking for a reliable andproven store of value should consider the enduring allure of gold and silver asfoundational elements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call, click here.
https://pure-gold.co/charles-kelly
Where to find me:
Money Tips website: https://moneytipsdaily.com/
YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A LimitedCompany Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever- Watch video version at Charles KellyMoney Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live moneymanagement training Wednesday at 8.00PM.
Places are limited, so register now belowto avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #inflation #oilprices#gold #silver #property #stockmarket #money #financialfreedom #inflation#section24 #Investing #EmotionalIntelligence #FinancialDecisions#CognitiveBiases #MarketPsychology #WealthManagement #warrenbuffett #harrydent#valueinvesting
Investing is often perceived as a rational and analyticalprocess driven solely by numbers and market trends. However, beneath thesurface lies a complex web of emotions that can significantly influenceinvestment decisions. Understanding the psychological aspect of investing iscrucial for investors looking to navigate the markets successfully. In thisarticle, we delve into why investing is often based on emotional decisions andhow recognizing and managing these emotions can lead to better financial outcomes.
Gold and silver have a long-establishedreputation as effective hedges against inflation. When fiat currencies losevalue due to inflationary pressures, the purchasing power of gold and silvertends to rise. This characteristic makes them particularly attractive toinvestors seeking to protect their wealth from the eroding effects ofinflation.
While the investment landscape continuesto evolve with the emergence of new opportunities such as cryptocurrencies, theenduring appeal of gold and silver remains undeniable. These precious metalsoffer stability, tangibility, diversification, inherent value, and atime-tested hedge against inflation. Investors looking for a reliable andproven store of value should consider the enduring allure of gold and silver asfoundational elements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call, click here.
https://pure-gold.co/charles-kelly
Where to find me:
Money Tips website: https://moneytipsdaily.com/
YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A LimitedCompany Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever- Watch video version at Charles KellyMoney Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live moneymanagement training Wednesday at 8.00PM.
Places are limited, so register now belowto avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #inflation #oilprices#gold #silver #property #stockmarket #money #financialfreedom #inflation#section24 #Investing #EmotionalIntelligence #FinancialDecisions#CognitiveBiases #MarketPsychology #WealthManagement #warrenbuffett #harrydent#valueinvesting
How Will The War In Gaza Affect You?
The Israel Gaza ware could have far reaching consequencesfor western economies and your finances.
Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, register now below to avoiddisappointment. https://bit.ly/3QPp8IH
Watch video on Charles Kelly Money TipsPodcast - https://youtu.be/umoG7t3qGNE
In the ever-evolving landscape of investmentopportunities, the age-old appeal of precious metals like gold and silverremains steadfast. Investors are often confronted with a myriad of choices,ranging from the digital allure of cryptocurrencies to the stability of stocksand the tangibility of real estate. In this comparison, we explore whyinvesting in gold and silver continues to be a compelling option compared tothe alternatives.
Watch YouTube video Part 1: https://youtu.be/woBQBtavLUM
While the investment landscape continues to evolve withthe emergence of new opportunities such as cryptocurrencies, the enduringappeal of gold and silver remains undeniable. These precious metals offerstability, tangibility, diversification, inherent value, and a time-testedhedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundationalelements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call, click here.
https://pure-gold.co/charles-kelly
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A LimitedCompany Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
war #gaza #Israel #interestrates #inflation #oilprices #gold#silver #property #stockmarket #money #financialfreedom #inflation #section24
The Israel Gaza ware could have far reaching consequencesfor western economies and your finances.
Watch video on Charles Kelly Money TipsPodcast - https://youtu.be/umoG7t3qGNE
In the ever-evolving landscape of investmentopportunities, the age-old appeal of precious metals like gold and silverremains steadfast. Investors are often confronted with a myriad of choices,ranging from the digital allure of cryptocurrencies to the stability of stocksand the tangibility of real estate. In this comparison, we explore whyinvesting in gold and silver continues to be a compelling option compared to the alternatives.
Watch YouTube video Part 1: https://youtu.be/woBQBtavLUM
For a free gold, investment report, and Discovery Call, click here.
https://pure-gold.co/charles-kelly
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A LimitedCompany Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
war #gaza #Israel #interestrates #inflation #oilprices #gold#silver #property #stockmarket #money #financialfreedom #inflation #section24
Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – part 2 of an interview with Josh Saul, gold expert discussingprecious metals in your portfolio. Click here for a free gold, investment report.
In the ever-evolving landscape of investmentopportunities, the age-old appeal of precious metals like gold and silverremains steadfast. Investors are often confronted with a myriad of choices,ranging from the digital allure of cryptocurrencies to the stability of stocksand the tangibility of real estate. In this comparison, we explore whyinvesting in gold and silver continues to be a compelling option compared tothe alternatives.
- Historical Stability:
Gold and silver have stood the test of time as reliablestores of value. Throughout history, these precious metals have retained theirpurchasing power, acting as a hedge against inflation and economicuncertainties. Unlike cryptocurrencies, which can be highly volatile, andstocks, which are subject to market fluctuations, gold and silver havemaintained a reputation for stability.
- Tangibility and Security:
One of the key advantages of investing in physical goldand silver is the tangible nature of these assets. Unlike cryptocurrencies,which exist only in the digital realm, and stocks, which represent ownershipbut lack a physical presence, gold and silver can be held in hand. Thistangibility not only provides a sense of security but also ensures thatinvestors have a physical asset they can access irrespective of economicconditions.
- Diversification:
While stocks and real estate have their merits, they canbe vulnerable to economic downturns. Gold and silver, on the other hand, oftenmove inversely to other asset classes, providing an effective means ofdiversification. A well-diversified portfolio that includes precious metals canpotentially mitigate risks and enhance overall stability.
- Inherent Value:
Gold and silver derive their value from their intrinsicproperties rather than relying on the perceived value assigned by marketsentiment, as is often the case with stocks and cryptocurrencies. Theindustrial uses of silver, for example, contribute to its value beyond its roleas a precious metal. This intrinsic value can offer a certain level ofreassurance to investors, especially during times of economic uncertainty.
- Inflation Hedge:
Gold and silver have a long-established reputation aseffective hedges against inflation. When fiat currencies lose value due toinflationary pressures, the purchasing power of gold and silver tends to rise.This characteristic makes them particularly attractive to investors seeking toprotect their wealth from the eroding effects of inflation.
While the investment landscape continues to evolve withthe emergence of new opportunities such as cryptocurrencies, the enduringappeal of gold and silver remains undeniable. These precious metals offerstability, tangibility, diversification, inherent value, and a time-testedhedge against inflation. Investors looking for a reliable and proven store ofvalue should consider the enduring allure of gold and silver as foundationalelements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call,click here.
https://pure-gold.co/charles-kelly
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
gold #silver #property #stockmarket #crypto #bitcoin #money#financialfreedom #inflation #section24
Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – interview with Josh Saul, gold expert discussingprecious metals in your portfolio. Click here for a free gold, investment report.
In the ever-evolving landscape of investmentopportunities, the age-old appeal of precious metals like gold and silverremains steadfast. Investors are often confronted with a myriad of choices,ranging from the digital allure of cryptocurrencies to the stability of stocksand the tangibility of real estate. In this comparison, we explore whyinvesting in gold and silver continues to be a compelling option compared tothe alternatives.
- Historical Stability:
Gold and silver have stood the test of time as reliablestores of value. Throughout history, these precious metals have retained theirpurchasing power, acting as a hedge against inflation and economicuncertainties. Unlike cryptocurrencies, which can be highly volatile, andstocks, which are subject to market fluctuations, gold and silver havemaintained a reputation for stability.
- Tangibility and Security:
One of the key advantages of investing in physical goldand silver is the tangible nature of these assets. Unlike cryptocurrencies,which exist only in the digital realm, and stocks, which represent ownershipbut lack a physical presence, gold and silver can be held in hand. Thistangibility not only provides a sense of security but also ensures thatinvestors have a physical asset they can access irrespective of economicconditions.
- Diversification:
While stocks and real estate have their merits, they canbe vulnerable to economic downturns. Gold and silver, on the other hand, oftenmove inversely to other asset classes, providing an effective means ofdiversification. A well-diversified portfolio that includes precious metals canpotentially mitigate risks and enhance overall stability.
- Inherent Value:
Gold and silver derive their value from their intrinsicproperties rather than relying on the perceived value assigned by marketsentiment, as is often the case with stocks and cryptocurrencies. Theindustrial uses of silver, for example, contribute to its value beyond its roleas a precious metal. This intrinsic value can offer a certain level ofreassurance to investors, especially during times of economic uncertainty.
- Inflation Hedge:
Gold and silver have a long-established reputation aseffective hedges against inflation. When fiat currencies lose value due toinflationary pressures, the purchasing power of gold and silver tends to rise.This characteristic makes them particularly attractive to investors seeking toprotect their wealth from the eroding effects of inflation.
While the investment landscape continues to evolve withthe emergence of new opportunities such as cryptocurrencies, the enduringappeal of gold and silver remains undeniable. These precious metals offerstability, tangibility, diversification, inherent value, and a time-testedhedge against inflation. Investors looking for a reliable and proven store ofvalue should consider the enduring allure of gold and silver as foundationalelements of a well-rounded investment portfolio.
For a free gold, investment report, and Discovery Call,click here.
https://pure-gold.co/charles-kelly
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
For a free gold, investment report, and Discovery Call,click here (https://pure-gold.co/charles-kelly)
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
gold #silver #property #stockmarket #crypto #bitcoin #money#financialfreedom #inflation #section24
Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest.
His remarks in a BBC interview have caused outrage, especially among the ‘generation rent’ who are struggling to save for a deposit while rental prices reach record highs andthe cost of living crises continues.
This week, theaverage two-year fixed rate is 5.83%, while a five-year deal was 5.43%,according to Moneyfacts.
He HalifaxMortgages say mortgage rates are easing and buyers' confidence could increasein the coming months.
They added thathouse prices rose for the third month in a row to average £287,105 in December,but it forecast a fall this year with buyers perhaps becoming more cautious dueto economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1%month-on-month rise in December.
Halifax is the UK'sbiggest mortgage lender, but its own lending figures only take into accountbuyers with mortgages - about two-thirds of all sales - and do not includethose who purchase homes with cash or buy-to-let deals.
Figures from theBank of England published on Thursday showed the number of mortgage approvalsrose slightly in November.
Many sellers havehad their properties o the market for as long as two years and not sold despitedropping the asking price.
Earnings and cashsaving are falling behind values of assets, such as stocks and shares, gold andsilver and property prices rises.
Inflation is eatingaway at your savings and cash.
Chinese shadow bankfiles for $63 billion bankruptcy.
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channelhttps://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call,click here.
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
Wishing you a prosperous New Year.
money #gold #silver #inflation #natwest #propertyprices#rent #generationrent #investing
Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest.
His remarks in aBBC interview have caused outrage, especially among the ‘generation rent’ whoare struggling to save for a deposit while rental prices reach record highs andthe cost of living crises continues.
This week, theaverage two-year fixed rate is 5.83%, while a five-year deal was 5.43%,according to Moneyfacts.
He HalifaxMortgages say mortgage rates are easing and buyers' confidence could increasein the coming months.
They added thathouse prices rose for the third month in a row to average £287,105 in December,but it forecast a fall this year with buyers perhaps becoming more cautious dueto economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1%month-on-month rise in December.
Halifax is the UK'sbiggest mortgage lender, but its own lending figures only take into accountbuyers with mortgages - about two-thirds of all sales - and do not includethose who purchase homes with cash or buy-to-let deals.
Figures from theBank of England published on Thursday showed the number of mortgage approvalsrose slightly in November.
Many sellers havehad their properties o the market for as long as two years and not sold despitedropping the asking price.
Earnings and cashsaving are falling behind values of assets, such as stocks and shares, gold andsilver and property prices rises.
Inflation is eatingaway at your savings and cash.
Chinese shadow bankfiles for $63 billion bankruptcy.
Where to find me:
Money Tips website:https://moneytipsdaily.com/
YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
See: – Transfer Property Into A Limited Company WithoutPaying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
What’s in Store in 2024? Stock Markets, Property and Gold
Watch full video on Money Tips Podcast YouTube Channelhttps://youtu.be/difmr0fp5-Q
For a free gold, investment report, and Discovery Call,click here.
7 Things To Make 2024 Your Best Year Ever - Watchvideo version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
Wishing you a prosperous New Year.
money #gold #silver #inflation #natwest #propertyprices#rent #generationrent #investing
Hey, everyone! As we step into a brand new year, it's the perfecttime to set the stage for an amazing year ahead. I've compiled 7 things you can do to make 2024 your best ever.
-
Set Clear Goals:Start by defining your objectives for the year. Whether it's personal growth,career milestones, health, or financial aspirations, setting clear,achievable goals gives you direction and motivation.
-
Create a VisionBoard: Visualization is key to manifesting your dreams. Craft a vision boardwith images and affirmations that represent your goals. This will keep you focused and inspired throughout the year.
-
Practice Gratitude Daily: Gratitude shifts your mindset towards positivity.Make it a habit to jot down or reflect on things you're grateful for each day.It's a simple practice that can have a profound impact on your overallhappiness.
-
Embrace Learning and Growth: Commit to continuous learning. Whether it's acquiring new skills, reading books, taking courses, or seeking mentorship, investing in yourpersonal growth will enrich your life and open up new opportunities.
-
PrioritizeSelf-Care: Your well-being is non-negotiable. Schedule time for self-careactivities that recharge you—whether it's meditation, exercise, hobbies, orspending quality time with loved ones.
-
Declutter and Simplify: Clear out physical clutter and simplify your life. A clutter-freespace leads to a clutter-free mind. Let go of things that no longer serve you,organize your surroundings, and create a harmonious environment.
-
Take Action andStay Consistent: Dreaming is essential, but action is what turns dreams intoreality. Break down your goals into smaller, actionable steps and stayconsistent in your efforts. Progress, no matter how small, is still progress.
Choosing just one these could make the most significant difference.
"Prioritize Self-Care" would likely yield substantial benefits.
Here's why:
Self-Care encompasses various elements crucial for personal well-being, which has a ripple effect on other areas of life:
-
Physical Health:Engaging in self-care activities like regular exercise, proper nutrition, andadequate rest can significantly improve physical health, leading to increasedenergy levels, better mood, and enhanced productivity.
-
Mental Health:Taking time for self-care practices such as mindfulness, meditation, orengaging in hobbies helps in reducing stress, improving mental clarity, andc mindset.
-
Emotional Well-being: Self-care involves attending to emotional needs.Activities like journaling, therapy, spending qualitytime with loved ones, enhancing emotional resilience and fostering healthierrelationships.
-
Work-LifeBalance: Self-care encourages setting boundaries and allocatingtime for personal activities, which can lead to a better balance between workand personal life, reducing burnout and improving overall satisfaction.
All seven things are valuable, prioritizing self-care serves as a foundational pillar that can positively impact various aspects of life, making it a potent starting point for overall well-being and subsequent personal growth.
2024 is a blank canvas waiting for you to paint your masterpiece. Embrace everymoment, stay resilient in the face of challenges, and celebrate your victories.
Thank you fortuning in. Here's to making 2024 an extraordinary year filled with growth, joy,and success. Don't forget to like, subscribe, and share this video with someonewho's ready to make the most out of the upcoming year.
Until next time,take care and make every day count!
Where to findme:
MoneyTips website: https://moneytipsdaily.com/
YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
Hey, everyone! As we step into a brand new year, it's the perfecttime to set the stage for an amazing year ahead. I've compiled 7 things you can do to make 2024 your best ever.
-
Set Clear Goals:Start by defining your objectives for the year. Whether it's personal growth,career milestones, health, or financial aspirations, setting clear,achievable goals gives you direction and motivation.
-
Create a VisionBoard: Visualization is key to manifesting your dreams. Craft a vision boardwith images and affirmations that represent your goals. This will keep you focused and inspired throughout the year.
-
Practice Gratitude Daily: Gratitude shifts your mindset towards positivity.Make it a habit to jot down or reflect on things you're grateful for each day.It's a simple practice that can have a profound impact on your overallhappiness.
-
Embrace Learning and Growth: Commit to continuous learning. Whether it's acquiring new skills, reading books, taking courses, or seeking mentorship, investing in yourpersonal growth will enrich your life and open up new opportunities.
-
PrioritizeSelf-Care: Your well-being is non-negotiable. Schedule time for self-careactivities that recharge you—whether it's meditation, exercise, hobbies, orspending quality time with loved ones.
-
Declutter and Simplify: Clear out physical clutter and simplify your life. A clutter-freespace leads to a clutter-free mind. Let go of things that no longer serve you,organize your surroundings, and create a harmonious environment.
-
Take Action andStay Consistent: Dreaming is essential, but action is what turns dreams intoreality. Break down your goals into smaller, actionable steps and stayconsistent in your efforts. Progress, no matter how small, is still progress.
Choosing just one these could make the most significant difference.
"Prioritize Self-Care" would likely yield substantial benefits.
Here's why:
Self-Care encompasses various elements crucial for personal well-being, which has a ripple effect on other areas of life:
-
Physical Health:Engaging in self-care activities like regular exercise, proper nutrition, andadequate rest can significantly improve physical health, leading to increasedenergy levels, better mood, and enhanced productivity.
-
Mental Health:Taking time for self-care practices such as mindfulness, meditation, orengaging in hobbies helps in reducing stress, improving mental clarity, andc mindset.
-
Emotional Well-being: Self-care involves attending to emotional needs.Activities like journaling, therapy, spending qualitytime with loved ones, enhancing emotional resilience and fostering healthierrelationships.
-
Work-LifeBalance: Self-care encourages setting boundaries and allocatingtime for personal activities, which can lead to a better balance between workand personal life, reducing burnout and improving overall satisfaction.
All seven things are valuable, prioritizing self-care serves as a foundational pillar that can positively impact various aspects of life, making it a potent starting point for overall well-being and subsequent personal growth.
2024 is a blank canvas waiting for you to paint your masterpiece. Embrace everymoment, stay resilient in the face of challenges, and celebrate your victories.
Thank you fortuning in. Here's to making 2024 an extraordinary year filled with growth, joy,and success. Don't forget to like, subscribe, and share this video with someonewho's ready to make the most out of the upcoming year.
Until next time,take care and make every day count!
Where to findme:
MoneyTips website: https://moneytipsdaily.com/
YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg
Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities
LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2
What’s in Store in 2024? Stock Markets, Property and Gold.
Reflection on 2023
Inflation got into double figures, and then come downagain last week to 3.9%,
Are we heading into recession in 2024?
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
Mortgage rates reached 6% and 7% forcing millions into arrears which are40% up on the previous year.
Mortgage rates have since come down to just over 4% for afixed rate as lender’s business dries up.
Property prices have fallen in some areas by up to 20%.
Domestic rents have reached record levels, while thecommercial sector is struggling.
Goldbroke through the $2000 ceiling and reached over $2100 at one point beforefalling back, as people sought a safe haven for their money.
What’s in store for 24?
When will the Bank of England finally start cuttinginterest rates?
Will the UK officially enter a technical recession afternegative growth in the third quarter of 2023?
For how long will house prices continue to slide?
When will the stock market finally crash?
How high will Gold prices rise?
For a free gold, investment report, and Discovery Call,click here.
Wishing you a very Merry Christmas and a prosperous NewYear.
money #gold #silver #inflation #property #houseprices#propertyprices #mortgage #interestrates #fixedmortgagerates #stockmarket#ukrecession #bankofengland
What’s in Store in 2024? Stock Markets, Property and Gold.
Reflection on 2023
Inflation got into double figures, and then come downagain last week to 3.9%,
Are we heading into recession in 2024?
Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q
Mortgage rates reached 6% and 7% forcing millions into arrears which are40% up on the previous year.
Mortgage rates have since come down to just over 4% for afixed rate as lender’s business dries up.
Property prices have fallen in some areas by up to 20%.
Domestic rents have reached record levels, while thecommercial sector is struggling.
Goldbroke through the $2000 ceiling and reached over $2100 at one point beforefalling back, as people sought a safe haven for their money.
What’s in store for 24?
When will the Bank of England finally start cuttinginterest rates?
Will the UK officially enter a technical recession afternegative growth in the third quarter of 2023?
For how long will house prices continue to slide?
When will the stock market finally crash?
How high will Gold prices rise?
For a free gold, investment report, and Discovery Call,click here.
Wishing you a very Merry Christmas and a prosperous NewYear.
money #gold #silver #inflation #property #houseprices#propertyprices #mortgage #interestrates #fixedmortgagerates #stockmarket#ukrecession #bankofengland
New PropertyOpportunities Falling Property Prices And Higher Rents Make Buy-to-Let MoreAttractive In 2024
In recent years,the landscape for buy-to-let investors and property owners has posedsignificant challenges, marked by soaring interest rates and escalating energyexpenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stampduty, and increased regulatory measures have collectively burdened buy-to-letinvestors, necessitating adaptation to a shifting and demanding marketenvironment.
Property pricespeaked, then fell back as interest rate rose, and this year rents have gonethrough the roof as demand exceeds supply.
Rents havereached record highs in most parts of the UK, and of course landlords aregetting the blame.
In theirdefence, landlords have had to pass on the costs that the government haveimposed on them with legislation such as section 24. The policies of thetreasury and central banks have caused economic chaos, higher interest, rates,higher energy costs, and a shortage of properties, none of which are thelandlords fault.
Could 2024be the turning point for property investors?
Prices havefallen in some areas by 20% while rents have doubled over the lastfew years, all of which is making buy to let investing look more attractivethan it has done for three years.
In one area I’vebeen looking at, three bed council house, which was selling for as much as£180,000, can now be picked up for £150,000 or less.
At the sametime, rents have increased in a few short years from £600 per month to £1200per month.
In other words,property prices have fallen by almost 20% while rents have doubled.
Even withmortgages at five or 6%, buy to let investing is starting to look moreattractive.
Furthermore,prices could fall again in 2024, as economy slows and 2 million people reachthe end of a low fixed rate mortgage.
Institutionslike Lloyds bank and Blackrock are already circling in the sky, waiting topounce on cheap property.
Mortgage arrearsare up by 44% on a year ago to £18billion and the Bank of England has issued alending warning.
In the case ofLloyds bank, which is probably the largest lender in the UK, it seems like abit of a conflict of interest to be both repossessing Properties, and buyingthem through another arm, although we don’t know if that is their intention.
Interest ratesshould start falling over the next five years as the economy goes intorecession and inflation comes down to normal levels. Mortgages will be cheaper offering better profits for landlords.
Therewill be opportunities in 2024 for the investor who is prepared tobe patient and seek out good deals.
If you’reaffected by section 2024 and would like to know more about the background tothis landlord tax and how best to deal with it, click herefor more information.
See: – TransferProperty Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you aresuffering from section 24, join us for a free landlord Sec.24 tax seminar livein London this month.
Prepare for what’scoming….
Unlocking TheSecrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show youexactly how you can:
• Not only survive,but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I amrunning a free training webinar.
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mindset #wealth #landlord #property #financialfreedom #sec24tax#transferpropertytolimitedcompany#propertyprices #mortgagearrears
New Property Opportunities Falling Property Prices And Higher Rents Make Buy-to-Let More Attractive In 2024
In recent years,the landscape for buy-to-let investors and property owners has posedsignificant challenges, marked by soaring interest rates and escalating energyexpenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stampduty, and increased regulatory measures have collectively burdened buy-to-letinvestors, necessitating adaptation to a shifting and demanding marketenvironment.
Property pricespeaked, then fell back as interest rate rose, and this year rents have gonethrough the roof as demand exceeds supply.
Rents havereached record highs in most parts of the UK, and of course landlords aregetting the blame.
Landlords have had to pass on the costs that the government haveimposed on them with legislation such as section 24. The policies of thetreasury and central banks have caused economic chaos, higher interest, rates,higher energy costs, and a shortage of properties, none of which are thelandlords fault.
But could 2024be the turning point for property investors?
Prices have fallen in some areas by as much as 20% while rents have doubled over the lastfew years, all of which is making buy to let investing look more attractivethan it has done for three years.
In one area I’vebeen looking at, three bed council house, which was selling for as much as£180,000, can now be picked up for £150,000 or less.
At the sametime, rents have increased in a few short years from £600 per month to £1200per month.
Even withmortgages at five or 6%, buy to let investing is looking moreattractive.
Prices could fall again in 2024, as economy slows and 2 million people reach the end of a low fixed rate mortgage.
Lloyds bank and Blackrock are already circling in the sky, waiting to pounce on cheap property.
Mortgage arrears up by 44% on a year ago to £18billion and the Bank of England has issued a warning.
For Lloyds bank, which is probably the largest lender in the UK, it seems like a conflict of interest to be both repossessing Properties, and buyingthem through another arm, although we don’t know if that is their intention.
Interest ratesshould start falling over the next five years as the economy goes intorecession and inflation comes down to normal levels. This will make mortgagescheaper offering better profits for landlords.
I think there will be a lot of opportunity in 2024 for the wise investor who is prepared to be patient and seek out good deals.
If you’re affected by section 2024 and would like to know more about the background tothis landlord tax and how best to deal with it, click herefor more information.
See: – TransferProperty Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Prepare for what’scoming….
Unlocking TheSecrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show youexactly how you can:
• Not only survive,but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I amrunning a free training webinar.
Unlocking TheSecrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to help youget control of your money, learn how to invest and become financially free bydeveloping a millionaire mindset – which is not about buying flashy things andlooking rich!
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Stock up on CANDLES, Torches and Battery Powered Radios,Dep PM Warns
Deputy Prime Minister, Oliver Dowden MP has issued awarning to British people to prepared for power cuts and cyber attacks bykeeping a supply of candles, flashlights and battery powered radios.
Announcing the formation of a ‘resilience academy’ headvised Brits to prepare forcommunications blackouts and retain their ‘analogy capabilities’.
In this video podcast(https://youtu.be/cuoB1rA8Yhk):
· Prepare for disaster, government warms
· What are ‘reverse ATM machines and why shouldyou care?
· Two year fixed rates fall below 6% as mortgagerates ease
· Mobile phone companies overcharged 28 millioncustomer
· Why you should not be jealous of wealthy billionaires
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
Prepare for what’s coming….
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth #amazon#bezos
Stock up on CANDLES, Torches and Battery Powered Radios,Dep PM Warns
Deputy Prime Minister, Oliver Dowden MP has issued awarning to British people to prepared for power cuts and cyber attacks bykeeping a supply of candles, flashlights and battery powered radios.
Announcing the formation of a ‘resilience academy’ headvised Brits to prepare forcommunications blackouts and retain their ‘analogy capabilities’.
In this video podcast(https://youtu.be/cuoB1rA8Yhk):
· Prepare for disaster, government warms
· What are ‘reverse ATM machines and why shouldyou care?
· Two year fixed rates fall below 6% as mortgagerates ease
· Mobile phone companies overcharged 28 millioncustomer
· Why you should not be jealous of wealthy billionaires
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
Prepare for what’s coming….
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth #amazon#bezos
STOP WORKING FOR FREE! - Why Do Small Businesses Work For Nothing?
Join me online onmy free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH
Get paid for whatyou do in advance.
Always agree termsand take part or full payment up front whenever possible.
Are you using anaccounting or invoicing system?
Watch videoversion - https://youtu.be/1BO-ZigTkjA
Systemise – the differencebetween a small business and large concern.
You are not a bank,so why are you offering credit?
My experience
Do you haveunrecovered debts and if so do you need help getting paid?
Are you in debt andunable to pay creditors?
See: –Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you aresuffering from section 24, join us for a free landlord Sec.24 tax seminar livein London this month.
Unlocking The Secrets Of FinancialFreedom - How To Master The Art Of WealthBuilding In 3 Simple Steps
I want to showyou exactly how you can:
• Notonly survive, but thrive in a recession or depression?
• Getcontrol of your finances and spending?
• Saveand invest for your future?
• Learnabout money and finance?
· Develop a millionaire mindset.
To help you, I amrunning a free training webinar.
Unlocking The Secrets Of FinancialFreedom - How To Master The Art Of Wealth BuildingIn 3 Simple Steps
I want to help youget control of your money, learn how to invest and become financially free bydeveloping a millionaire mindset – which is not about buying flashy things and lookingrich!
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth
STOP WORKING FOR FREE! - Why Do Small Businesses Work For Nothing?
Join me online onmy free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH
Get paid for whatyou do in advance.
Always agree termsand take part or full payment up front whenever possible.
Are you using anaccounting or invoicing system?
Watch videoversion - https://youtu.be/1BO-ZigTkjA
Systemise – the differencebetween a small business and large concern.
You are not a bank,so why are you offering credit?
My experience
Do you haveunrecovered debts and if so do you need help getting paid?
Are you in debt andunable to pay creditors?
See: –Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you aresuffering from section 24, join us for a free landlord Sec.24 tax seminar livein London this month.
Unlocking The Secrets Of FinancialFreedom - How To Master The Art Of WealthBuilding In 3 Simple Steps
I want to showyou exactly how you can:
• Notonly survive, but thrive in a recession or depression?
• Getcontrol of your finances and spending?
• Saveand invest for your future?
• Learnabout money and finance?
· Develop a millionaire mindset.
To help you, I amrunning a free training webinar.
Unlocking The Secrets Of FinancialFreedom - How To Master The Art Of Wealth BuildingIn 3 Simple Steps
I want to help youget control of your money, learn how to invest and become financially free bydeveloping a millionaire mindset – which is not about buying flashy things and lookingrich!
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth
UK Fixed Mortgage Rates Drop Below 5% As Inflation Fallsto 4.6%
Last chance to join my live 1-Day SMART MONEY WORKSHOP forjust £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
Fixed mortgage interest rates have dipped below 5% after newfigures show that inflation fell from 6.7% in September to 4.6%, less than halfthe 11.1% rate in October 20022.
In his Autumn Statement, Chancellor Jeremy Hunt announcedplans to increase state pensions by 8.5, benefits by 6.7%, unfreezing LocalHousing Allowance and the National Living Wage from £10.42 to £11.44 an hourfrom April 2024 – whilst simultaneously cutting NI for the self-employed andbusiness taxes.
More planning reforms announced to speed up building andinfrastructure projects.
Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk
YOUR HOMEIS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECUREDON IT.
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
Last chance to join my live 1-Day SMART MONEY WORKSHOP forjust £17 for 2 places. Saturday 25 November 10-4pm
Places are limited to give attendees more individualattention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth
UK Fixed Mortgage Rates Drop Below 5% As Inflation Fallsto 4.6%
Last chance to join my live 1-Day SMART MONEY WORKSHOP forjust £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
Fixed mortgage interest rates have dipped below 5% after newfigures show that inflation fell from 6.7% in September to 4.6%, less than halfthe 11.1% rate in October 20022.
In his Autumn Statement, Chancellor Jeremy Hunt announcedplans to increase state pensions by 8.5, benefits by 6.7%, unfreezing LocalHousing Allowance and the National Living Wage from £10.42 to £11.44 an hourfrom April 2024 – whilst simultaneously cutting NI for the self-employed andbusiness taxes.
More planning reforms announced to speed up building andinfrastructure projects.
Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk
YOUR HOMEIS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECUREDON IT.
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
Last chance to join my live 1-Day SMART MONEY WORKSHOP forjust £17 for 2 places. Saturday 25 November 10-4pm
Places are limited to give attendees more individualattention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth
Join me on my free webinar, three steps to financial freedomand successful money-management, Wednesday at 8 pm. Don’t miss it, click thelink below. https://bit.ly/3QPp8IH
-
Pay Yourself First
-
Live on a Percentage of Income
-
Don’t Just Save, Invest!
-
Start Investing Early
-
Manage and Organise Your Money
-
Budget Your Spending
-
Know Your Numbers
-
Avoid Bad Debt and Credit
-
Use Good Debt and Leverage
-
Develop The Right Money Mindset
-
Educate Yourself About Business, Money andFinance
-
Get Around The Right People – Avoid Toxic People
Watch video on YouTube - https://youtu.be/dfFGPIiqKWA
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom -How To Master The ArtOf Wealth Building In 3 Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth #richabits
Join me on my free webinar, three steps to financial freedomand successful money-management, Wednesday at 8 pm. Don’t miss it, click the link below. https://bit.ly/3QPp8IH
-
Pay Yourself First
-
Live on a Percentage of Income
-
Don’t Just Save, Invest!
-
Start Investing Early
-
Manage and Organise Your Money
-
Budget Your Spending
-
Know Your Numbers
-
Avoid Bad Debt and Credit
-
Use Good Debt and Leverage
-
Develop The Right Money Mindset
-
Educate Yourself About Business, Money andFinance
-
Get Around The Right People – Avoid Toxic People
Watch video on YouTube - https://youtu.be/dfFGPIiqKWA
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you are suffering from section 24, join us for a freelandlord Sec.24 tax seminar live in London this month.
UnlockingThe Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3Simple Steps
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
UnlockingThe Secrets Of Financial Freedom -How To Master The ArtOf Wealth Building In 3 Simple Steps
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindset #money #wealth #landlord #property#financialfreedom #stockmarket #invest #pensions #millionairemindset#georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth #richabits
Join me online on my free live money management trainingWednesday at 8.00PM.
Register now https://bit.ly/3QPp8IH
Have you even thought about it?
What are your plans, goals or dreams?
What actions are you taking towards getting where youwant to be?
Do you have a mentor?
Who do you need to become to reach your goal?
Will you have enough money to retire or quit the ratrace?
TIME TO GET SERIOUS
There are 24 hours in every day.
We all have something in common. We have the same amount oftime and every day.
Other things may be differ between us but will have the same24 hours in every day.
If you put in enough time and effort there’s no limit towhat you can achieve.
Question is, how much of that time do you waste?
How much time do you spend thinking about getting startedinstead of taking action and starting?
How much time do you waste scrolling through social media orwatching television?
TV Guide
How much time do you flush down the toilet playing videogames, drinking and partying?
In the time that people spend watching television for 4 to 5hours a day, they could upgrade their financial or business skills andknowledge, learn a new language, get super fit and improve their health or eventake a degree in 2 to 3 years.
Let’s say you wanted to write a book, “don’t have the time“.
Do you think you have a spare hour a day? Do you think ifyou are very busy spare one hour a day? Course you can!
Did you know that if you write for one hour a day and finishone page. If you did that for 365 days, you’d have 365 pages written. That is equivalent to a book manuscript!
If you use your time more effectively, and make time work foryou instead of wasting it, there is no limit to what you could achieve yourlife.
A.I. Could replace 1 billion jobs in next 3 years
Millions of lower paid and executive jobs could be replacedby machines within the next three years.
This will not only affect employment but will also reduceconsumption as well as it in the income from the Ponzi like pension schemes.
Now is the time to become financially educated to protectyourself from the coming storms of AI and central bank digital currencies.
Now is the time to prepare yourself for one of the biggestchanges in history.
Now is the time to act before it’s too late.
Join me on my free webinar, three steps to financial freedomand successful money-management, Wednesday at 8 pm.
Don’t miss it, click the link below.
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Manage Your Spending And Develop A MillionaireMindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax#transferpropertytolimitedcompany
Join me online on my free live money management trainingWednesday at 8.00PM.
Register now https://bit.ly/3QPp8IH
Have you even thought about it?
What are your plans, goals or dreams?
What actions are you taking towards getting where youwant to be?
Do you have a mentor?
Who do you need to become to reach your goal?
Will you have enough money to retire or quit the ratrace?
TIME TO GET SERIOUS
There are 24 hours in every day.
We all have something in common. We have the same amount oftime and every day.
Other things may be differ between us but will have the same24 hours in every day.
If you put in enough time and effort there’s no limit towhat you can achieve.
Question is, how much of that time do you waste?
How much time do you spend thinking about getting startedinstead of taking action and starting?
How much time do you waste scrolling through social media orwatching television?
TV Guide
How much time do you flush down the toilet playing videogames, drinking and partying?
In the time that people spend watching television for 4 to 5hours a day, they could upgrade their financial or business skills andknowledge, learn a new language, get super fit and improve their health or eventake a degree in 2 to 3 years.
Let’s say you wanted to write a book, “don’t have the time“.
Do you think you have a spare hour a day? Do you think ifyou are very busy spare one hour a day? Course you can!
Did you know that if you write for one hour a day and finishone page. If you did that for 365 days, you’d have 365 pages written. That is equivalent to a book manuscript!
If you use your time more effectively, and make time work foryou instead of wasting it, there is no limit to what you could achieve yourlife.
A.I. Could replace 1 billion jobs in next 3 years
Millions of lower paid and executive jobs could be replacedby machines within the next three years.
This will not only affect employment but will also reduceconsumption as well as it in the income from the Ponzi like pension schemes.
Now is the time to become financially educated to protectyourself from the coming storms of AI and central bank digital currencies.
Now is the time to prepare yourself for one of the biggestchanges in history.
Now is the time to act before it’s too late.
Join me on my free webinar, three steps to financial freedomand successful money-management, Wednesday at 8 pm.
Don’t miss it, click the link below.
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Manage Your Spending And Develop A MillionaireMindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax#transferpropertytolimitedcompany
Do You Ever Wonder Why You Never Have Enough Money?
Do you say: “I just don’t know where it all goes?”
If you have answered “yes” to these questions you probablystruggle with managing and investing your money.
I want to help you Unlock Financial Freedom: Master theArt of Money Management in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Bank of England hold rates at 5%...Find out why this affectsall of us – even if you don’t have a mortgage.
Watch YouTube Video Version - https://youtu.be/XQlNscx2Sgc
Have you been hit by George Osborne’s Sec 24 Landlord TAXGRAB?
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Manage Your Spending And Develop A MillionaireMindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax#transferpropertytolimitedcompany
Do You Ever Wonder Why You Never Have Enough Money?
Do you say: “I just don’t know where it all goes?”
If you have answered “yes” to these questions you probablystruggle with managing and investing your money.
I want to help you Unlock Financial Freedom: Master theArt of Money Management in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Bank of England hold rates at 5%...Find out why this affectsall of us – even if you don’t have a mortgage.
Watch YouTube Video Version - https://youtu.be/XQlNscx2Sgc
Have you been hit by George Osborne’s Sec 24 Landlord TAXGRAB?
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Manage Your Spending And Develop A MillionaireMindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax#transferpropertytolimitedcompany
What Triggers Us To Buy Brands And Products?
Is price always the deciding factor when we make a buyingdecision?
Please like and share this article or podcast and check outmy webinar:
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest,and become financially free by developing a millionaire mindset – which is notabout buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM - register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Brand Loyalty Doesn’t Always Pay
People buy market-leading brands for a variety of reasonsincluding comfort, peace of mind and safety and status.
However, brand leaders, such as Heinz beans or Coca Cola cansell their products for a substantial premium over similar generic equivalents.
Watch YouTube Video - https://youtu.be/MnbR5AYXmYQ
Tip – Avoid brand loyalty where possible and only buyfavourite brands when on sale.
Advertisers and supermarkets manipulate us to buy productswhich pay for the best positions and even height in the aisles.
Tip – Always check the ‘price per kilo’ (not stickerprice) when buying meat or fish.
Poorer households in the West can spend up to 30% of their disposableincome on food and essentials and as much a half their income in developing countries.
Engel’s Law
The 19th Century German statistician, ErnstEngel, observed that the percentage of income allocated for food purchasesdecreases as a household's income rises, while the percentage spent on otherthings (such as education and recreation) increases.
Right now, food inflation is hitting poor and middle-classfamilies hard.
Tip – Buy fresh produce, and cook, rather thanprepackaged and processed food.
Brand Value
The brand value of tops brands, like Apple, Coca Cola Amazonand McDonalds are worth around $300.
Legendary investor Warren Buffett buys companies which havea brand or competitive ‘moat’.
Did you know that up to 85% of Berkshire Hathaway’s stockholding are in leading brands such as Apple, Bank or America, Coca Cola andAmerican Express? Warren and his partner Charlie Munger pick winners and stayinvesting in them for years.
Tip – Warren Buffett waits for the right time to buystocks which are ‘on sale’.
It’s coming…Prepare yourself for the coming downturn in theeconomy and stock market and property prices.
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #warrenbuffett #invest #pensions #millionairemindset #apple#amazon #macdonalds #engelslaw
What Triggers Us To Buy Brands And Products?
Is price always the deciding factor when we make a buyingdecision?
Please like and share this article or podcast and check outmy webinar:
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest,and become financially free by developing a millionaire mindset – which is notabout buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM - register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Brand Loyalty Doesn’t Always Pay
People buy market-leading brands for a variety of reasonsincluding comfort, peace of mind and safety and status.
However, brand leaders, such as Heinz beans or Coca Cola cansell their products for a substantial premium over similar generic equivalents.
Watch YouTube Video - https://youtu.be/MnbR5AYXmYQ
Tip – Avoid brand loyalty where possible and only buyfavourite brands when on sale.
Advertisers and supermarkets manipulate us to buy productswhich pay for the best positions and even height in the aisles.
Tip – Always check the ‘price per kilo’ (not stickerprice) when buying meat or fish.
Poorer households in the West can spend up to 30% of their disposableincome on food and essentials and as much a half their income in developing countries.
Engel’s Law
The 19th Century German statistician, ErnstEngel, observed that the percentage of income allocated for food purchasesdecreases as a household's income rises, while the percentage spent on otherthings (such as education and recreation) increases.
Right now, food inflation is hitting poor and middle-classfamilies hard.
Tip – Buy fresh produce, and cook, rather thanprepackaged and processed food.
Brand Value
The brand value of tops brands, like Apple, Coca Cola Amazonand McDonalds are worth around $300.
Legendary investor Warren Buffett buys companies which havea brand or competitive ‘moat’.
Did you know that up to 85% of Berkshire Hathaway’s stockholding are in leading brands such as Apple, Bank or America, Coca Cola andAmerican Express? Warren and his partner Charlie Munger pick winners and stayinvesting in them for years.
Tip – Warren Buffett waits for the right time to buystocks which are ‘on sale’.
It’s coming…Prepare yourself for the coming downturn in theeconomy and stock market and property prices.
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset.
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#stockmarket #warrenbuffett #invest #pensions #millionairemindset #apple#amazon #macdonalds #engelslaw
Mortgage & Property Update Money Tips Podcast
· Property prices decline
· Rents soar
· Fixed rates fall
Join me online on my free live money management trainingWednesday at 8.00PM. Register now below https://bit.ly/3QPp8IH
Watch full video - https://youtu.be/LboQYzyANnA
Your belief system and mindset can seriously affect yourwealth and the quality of your life.
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Watch full video on YouTube - https://youtu.be/lE2q5J-TcCM
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#chasstashing
Mortgage & Property Update Money Tips Podcast
· Property prices decline
· Rents soar
· Fixed rates fall
Join me online on my free live money management trainingWednesday at 8.00PM. Register now below https://bit.ly/3QPp8IH
Watch full video - https://youtu.be/LboQYzyANnA
Your belief system and mindset can seriously affect yourwealth and the quality of your life.
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Watch full video on YouTube - https://youtu.be/lE2q5J-TcCM
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#chasstashing
Is Your Money Safe In The UK Metro Or Any Bank? ItDepends…
In this week’s Money Tips Podcast:
· Should you worry about Metro Bank’s finances, asthey struggle to raise £600 million to maintain its ambitious expansionprogramme.
· Property prices fall for sixth month in a rowaccording the Halifax who say the slump will continue into 2024.
· Help to Buy Scheme sees return of ‘NegativeEquity’.
Watch full YouTube video - https://youtu.be/hCLidk13PP4?si=fwM1e5xV6O6nR1vi
See also: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly howyou can:
• Notonly survive, but thrive in a recession or depression?
• Getcontrol of your finances and spending?
• Saveand invest for your future?
• Learnabout money and finance?
· Develop a millionaire mindset
To help you, I amrunning a free training webinar.
3 Steps ToSuccess Money Management and Financial FREEDOM!
I want to help youget control of your money, learn how to invest and become financially free bydeveloping a millionaire mindset – which is not about buying flashy things and lookingrich!
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mortgage #fixedratemortgage #landlord #property #metrobank#houseprices
Is Your Money Safe In The UK Metro Or Any Bank? ItDepends…
In this week’s Money Tips Podcast:
· Should you worry about Metro Bank’s finances, asthey struggle to raise £600 million to maintain its ambitious expansionprogramme.
· Property prices fall for sixth month in a rowaccording the Halifax who say the slump will continue into 2024.
· Help to Buy Scheme sees return of ‘NegativeEquity’.
Watch full YouTube video - https://youtu.be/hCLidk13PP4?si=fwM1e5xV6O6nR1vi
See also: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly howyou can:
• Notonly survive, but thrive in a recession or depression?
• Getcontrol of your finances and spending?
• Saveand invest for your future?
• Learnabout money and finance?
· Develop a millionaire mindset
To help you, I amrunning a free training webinar.
3 Steps ToSuccess Money Management and Financial FREEDOM!
I want to help youget control of your money, learn how to invest and become financially free bydeveloping a millionaire mindset – which is not about buying flashy things and lookingrich!
Join me online onmy free live money management training Wednesday at 8.00PM.
Places are limited,so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mortgage #fixedratemortgage #landlord #property #metrobank#houseprices
Welcome to Friday 13th!
Did you know that a house number 13 can be worth up to £5,000LESS that the property next door, according to a survey by the property websiteRightmove.
Join me online on my free live money management training, Registernow https://bit.ly/3QPp8IH
Developers often omit 13 for a row of houses or flats.
Is 13 really an unlucky number or just a belief system?
Other so-called unluck numbers include number 4 in Chinese, Japaneseand Korean cultures. Chinese building will frequently not have a fourth floor,instead jumping from floor 3 to 5!
Your belief system and mindset can seriously affect yourwealth and the quality of your life.
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Watch full video on YouTube - https://youtu.be/lE2q5J-TcCM
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#rightmove
Door Number 13 Can Knock £5,000 Off The Value Of Your Property,Say Rightmove
Welcome to Friday 13th!
Did you know that a house number 13 can be worth up to £5,000LESS that the property next door, according to a survey by the property websiteRightmove.
Join me online on my free live money management training, Registernow https://bit.ly/3QPp8IH
Developers often omit 13 for a row of houses or flats.
Is 13 really an unlucky number or just a belief system?
Other so-called unluck numbers include number 4 in Chinese, Japaneseand Korean cultures. Chinese building will frequently not have a fourth floor,instead jumping from floor 3 to 5!
Your belief system and mindset can seriously affect yourwealth and the quality of your life.
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
Unlock Financial Freedom: Master the Art of Money Managementin 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
Watch full video on YouTube - https://youtu.be/lE2q5J-TcCM
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoiddisappointment.
https://bit.ly/3QPp8IH
mindet #money #wealth #landlord #property #financialfreedom#rightmove
What is the UK Pensions Triple Lock?
What can you expect from a bankrupt state pension schemewhen you retire?
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
What is the UK Pensions Triple Lock?
What can you expect from a bankrupt state pension schemewhen you retire?
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Fixed mortgage rates ease following Bank of England’s ratehold. Plus opportunities for landlords to increase rental returns.
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mortgage #fixedratemortgage #landlord #property #renttorent
Fixed mortgage rates ease following Bank of England’s ratehold. Plus opportunities for landlords to increase rental returns.
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life. Register here - https://bit.ly/3QPp8IH
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
See: – Transfer Property Into A Limited CompanyWithout Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession ordepression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how toinvest and become financially free by developing a millionaire mindset – whichis not about buying flashy things and looking rich!
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
mortgage #fixedratemortgage #landlord #property #renttorent
You can turn your property into your pension, or provide a gift house deposit to your children with an Equity Release Mortgage. With Laurence Silver, independent equity release adviser.
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
*Join the training*: Register Now
If you need independent mortgage or equity release advice,email us to arrange a free consultation with Laurence Silver. Watch fullinterview - https://youtu.be/R7ujUB-7k9o
Serviced Accommodation
If you are a property owner or landlord looking to increaseyour rental returns whilst reducing the headache of section 21, and the loomingrenters reform act, contact me at SouthHerts@localagent.co.uk
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life.
*Jointhe training*: RegisterNow
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected eventslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Financial Freedom and SuccessfulMoney Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
About Charles Kelly:
Speaker, Podcaster, Author, Property Investor, DigitalMarketing, Former Immigration Adviser and International Recruiter and BusinessConsultant.
Charles has been featured as an expert guest on prestigiousplatforms such as BBC News, Radio 5, and more. He is committed to helpingindividuals achieve financial freedom through education, effective moneymanagement, and the acquisition of valuable money-making skills.
Don't miss this opportunity to take charge of your financialfuture.
*Registernow for this free online training*: Secure Your Spot
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
propertymanagement #servicedaccommodation #lettingagents #section21#rentalproperty #money #financialfreedom #moneymanagement #tenantrights #buy-to-letproperty
You can turn your property into your pension, or provide agift house deposit to your children with an Equity Release Mortgage. Laurence Silver, independent equity release adviser.
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
*Jointhe training*: RegisterNow
If you need independent mortgage or equity release advice,email us to arrange a free consultation with Laurence Silver. Watch fullinterview - https://youtu.be/R7ujUB-7k9o
Serviced Accommodation
If you are a property owner or landlord looking to increaseyour rental returns whilst reducing the headache of section 21, and the loomingrenters reform act, contact me at SouthHerts@localagent.co.uk
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life.
*Jointhe training*: RegisterNow
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected eventslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Financial Freedom and SuccessfulMoney Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
About Charles Kelly:
Speaker, Podcaster, Author, Property Investor, DigitalMarketing, Former Immigration Adviser and International Recruiter and BusinessConsultant.
Charles has been featured as an expert guest on prestigiousplatforms such as BBC News, Radio 5, and more. He is committed to helpingindividuals achieve financial freedom through education, effective moneymanagement, and the acquisition of valuable money-making skills.
Don't miss this opportunity to take charge of your financialfuture.
*Registernow for this free online training*: Secure Your Spot
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
propertymanagement #servicedaccommodation #lettingagents #section21#rentalproperty #money #financialfreedom #moneymanagement #tenantrights #buy-to-letproperty
Good news for tenants, disaster for buy to let landlords.
Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps
Discover the keys to prosperous money management that won't compromise your quality of life.
*Join the training*: Register Now
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
This comes as a new report states that 250,000 people are homeless because the council has run out of temporary accommodation.
Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/0yWoU7PbL7M
Another report by the BBC, as many, as 2 million people are falling behind with their utility bills.
Serviced Accommodation vs Buy-to-Let
Higher interest rates and increase in legislation has forced many landlords to consider switching to Serviced Accommodation.
Serviced accommodation offers landlords the opportunity to increase their after-tax net returns, whilst avoiding many of the pitfalls linked to traditional buy to let, such as dealing with difficult tenants and the coming abolition of section 21 ‘no fault’ evictions.
Landlords have been deterred from Serviced Accommodation due to the additional work involved. Traditional, letting agencies have been reluctant, or are just not equipped, to manage a Serviced Accommodation property.
Solution.
New pecialist agencies has sprung up to satisfy this growing market by managing Serviced Accommodation properties at scale.
Open House South Herts has teamed up with one such agency that is actively seeking properties.
They offer landlords a complete hand free full management service, taking care of bookings, changeover, cleaning and linen.
Landlords earn higher net rents and.
The company offers agents a generous introduction fee without having to manage the property.
Whilst this may not work for every landlord, the is growing demand for this service.
If you are a property owner or landlord looking to increase your rental returns whilst reducing the headache of section 21, and the looming renters reform act, contact me at SouthHerts@localagent.co.uk
Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps
Discover the keys to prosperous money management that won't compromise your quality of life.
*Join the training*: Register Now
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
About Charles Kelly:
Speaker, Podcaster, Author, Property Investor, Digital Marketing, Former Immigration Adviser and International Recruiter and Business Consultant.
Charles has been featured as an expert guest on prestigious platforms such as BBC News, Radio 5, and more. He is committed to helping individuals achieve financial freedom through education, effective money management, and the acquisition of valuable money-making skills.
Don't miss this opportunity to take charge of your financial future.
*Register now for this free online training*: Secure Your Spot
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
Good news for tenants, disaster for buy to let landlords.
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life.
*Jointhe training*: RegisterNow
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
This comes as a new report states that 250,000 people arehomeless because the council has run out of temporary accommodation.
Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/0yWoU7PbL7M
Another report by the BBC, as many, as 2 million people arefalling behind with their utility bills.
Serviced Accommodation vs Buy-to-Let
Higher interest rates and increase in legislation has forcedmany landlords to consider switching to Serviced Accommodation.
Serviced accommodation offers landlords the opportunityto increase their after-tax net returns, whilst avoiding many of the pitfallslinked to traditional buy to let, such as dealing with difficult tenants andthe coming abolition of section 21 ‘no fault’ evictions.
Landlords have been deterred from Serviced Accommodation due to the additional work involved. Traditional, letting agencies have been reluctant, or are just not equipped, to manage a Serviced Accommodation property.
Solution.
New pecialist agencies has sprung up to satisfy this growing market by managing Serviced Accommodation properties atscale.
Open House South Herts has teamed up with one such agencythat is actively seeking properties.
They offer landlords a complete hand free full managementservice, taking care of bookings, changeover, cleaning and linen.
Landlords earn higher net rents and.
The company offers agents a generousintroduction fee without having to manage the property.
Whilst this may not work for every landlord, the isgrowing demand for this service.
If you are a property owner or landlord looking to increaseyour rental returns whilst reducing the headache of section 21, and the looming renters reform act, contact me at SouthHerts@localagent.co.uk
Unlock Financial Freedom: Master the Art of MoneyManagement in 3 Simple Steps
Discover the keys to prosperous money management that won'tcompromise your quality of life.
*Jointhe training*: RegisterNow
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
In today's challenging economic landscape, where inflation,higher interest rates, and downturns prevail, there are always those who notonly survive but thrive. What sets them apart?
The answer lies within you.
Your internal economy and mindset have a more profoundimpact on your financial success than external events. Recent events haveexposed that many lack the financial resilience to handle unexpected criseslike job loss or mounting bills.
But the good news is, you can take control.
Learn how to master your money in just 28 days, paving theway to wealth and financial freedom without sacrificing your life's pleasures.
In this free live online training, I will reveal:
-
The 3-Step Formula for Successful Money Management
-
Strategies to Transform Your Money Mindset
-
Techniques to Build Lasting Wealth
About Charles Kelly:
Speaker, Podcaster, Author, Property Investor, DigitalMarketing, Former Immigration Adviser and International Recruiter and BusinessConsultant.
Charles has been featured as an expert guest on prestigiousplatforms such as BBC News, Radio 5, and more. He is committed to helpingindividuals achieve financial freedom through education, effective moneymanagement, and the acquisition of valuable money-making skills.
Don't miss this opportunity to take charge of your financialfuture.
*Registernow for this free online training*: Secure Your Spot
https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx
Just when landlords thought they’d suffered enough red tape a new threat is looming.
If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).
Click here to register: https://buy.stripe.com/00g01E92W4R8cfebII
The UK Home Secretary, Suella Braverman, announced this week that fines will to be more than tripled for employers and landlords who allow illegal migrants to work for them or rent their properties.
Watch YouTube video version - https://youtu.be/Uk-RbN5A6dI
The civil or non-criminal penalty for employers, last raised in 2014, will be increased to up to £45,000 per illegal worker for a first breach from £15,000, and up to £60,000 for repeat breaches from £20,000.
Fines will rise from £80 per lodger and £1,000 per occupier for a first breach to up to £5,000 per lodger and £10,000 per occupier.
Repeat offenders will face fines of £10,000 per lodger and £20,000 per occupier, up from £500 and £3,000 respectively.
The higher penalties, which require a lower burden of proof than a criminal prosecution, will be introduced in 2024.
Over 17,000 people have entered the UK illegally this year on small boats from France.
UK inflation fell to 6.8% (from 7.9) this week raising hopes that the Bank of England will hold interest rates at 5,25% - the highest for 15 years - next month.
However, with core inflation unchanged at 6.9% interest rates could rise to 5.5% adding further pressure on the housing market and driving the UK further towards a recession.
We are not out the economic woods yet, so learning how to mange your money has never been so crucial.
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
SPECIAL OFFER
S.M.A.R.T Money Management Workshop
I want to help you get control of your money, learn how to invest and become financially free.
If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).
Click here to register: https://buy.stripe.com/00g01E92W4R8cfebII
On this interactive workshop I’ll be taking you through the following in more detail:
· Millionaire mindset
· Your money personality
· Your money blueprint
· Investing in stocks and shares
· Saving tax
· Investing in property
· Saving money
· Budgeting planner
· Second income
· Financial freedom
· And much much, more
Cost for 2 places just £17.00!
I look forward to meeting you on Saturday 19 August.
Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
illegalimmigration #illegalmigrants #interestrates
property #mortgages #remortgage #mortgagerates #homebuyers #estateagent
housepricefall #finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money
servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb
booking.com #buytoletlandlords #health #business
Just when landlords thought they’d suffered enough red tape a new threat is looming.
If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).
Click here to register: https://buy.stripe.com/00g01E92W4R8cfebII
The UK Home Secretary, Suella Braverman, announced this week that fines will to be more than tripled for employers and landlords who allow illegal migrants to work for them or rent their properties.
Watch YouTube video version - https://youtu.be/Uk-RbN5A6dI
The civil or non-criminal penalty for employers, last raised in 2014, will be increased to up to £45,000 per illegal worker for a first breach from £15,000, and up to £60,000 for repeat breaches from £20,000.
Fines will rise from £80 per lodger and £1,000 per occupier for a first breach to up to £5,000 per lodger and £10,000 per occupier.
Repeat offenders will face fines of £10,000 per lodger and £20,000 per occupier, up from £500 and £3,000 respectively.
The higher penalties, which require a lower burden of proof than a criminal prosecution, will be introduced in 2024.
Over 17,000 people have entered the UK illegally this year on small boats from France.
UK inflation fell to 6.8% (from 7.9) this week raising hopes that the Bank of England will hold interest rates at 5,25% - the highest for 15 years - next month.
However, with core inflation unchanged at 6.9% interest rates could rise to 5.5% adding further pressure on the housing market and driving the UK further towards a recession.
We are not out the economic woods yet, so learning how to mange your money has never been so crucial.
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
SPECIAL OFFER
S.M.A.R.T Money Management Workshop
I want to help you get control of your money, learn how to invest and become financially free.
If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).
Click here to register: https://buy.stripe.com/00g01E92W4R8cfebII
On this interactive workshop I’ll be taking you through the following in more detail:
· Millionaire mindset
· Your money personality
· Your money blueprint
· Investing in stocks and shares
· Saving tax
· Investing in property
· Saving money
· Budgeting planner
· Second income
· Financial freedom
· And much much, more
Cost for 2 places just £17.00!
I look forward to meeting you on Saturday 19 August.
Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII
illegalimmigration #illegalmigrants #interestrates
property #mortgages #remortgage #mortgagerates #homebuyers #estateagent
housepricefall #finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money
servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb
booking.com #buytoletlandlords #health #business
This simple hack will Improve Everything in your life from relationships to health and wealth.
Join me online on my free live money management training Wednesday at 8.00PM.
Register now - https://bit.ly/3QPp8IH
Peter Drucker said, if you cannot measure you cannot improve it.
This not only applies to businesses management, but also life and money management.
In this short video, we explore relationships, health and money management…Watch on YouTube https://youtu.be/v4sZB70MDhc
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
peterdrucker #lifemanagement#interestrates #property
mortgages #remortgage #mortgagerates #homebuyers #estateagent #housepricefall
finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money
servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb
booking.com #buytoletlandlords #health #business
This simple hack will Improve Everything in your life from relationships to health and wealth.
Join me online on my free live money management training Wednesday at 8.00PM.
Register now - https://bit.ly/3QPp8IH
Peter Drucker said, if you cannot measure you cannot improve it.
This not only applies to businesses management, but also life and money management.
In this short video, we explore relationships, health and money management…Watch on YouTube https://youtu.be/v4sZB70MDhc
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
peterdrucker #lifemanagement#interestrates #property
mortgages #remortgage #mortgagerates #homebuyers #estateagent #housepricefall
finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money
servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb
booking.com #buytoletlandlords #health #business
House Prices Fall Again As Interest Rise For Fourteenth Time
Houses fell at the fastest annual rate in 14 years, according to figures published by the Nationwide Building Society.
Interview with Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services.
The second largest UK mortgage lender say house prices fell by 3.8% in the year to July 2023, the sharpest drop since July 2009.
Higher mortgage rates and the cost-of-living crisis are making “affordability a challenge”, the lender said.
Watch video version - https://youtu.be/iIr0nGOGEdc - Charles Kelly Money Tips Podcast.
A typical 5-year fixed rate mortgage was 6.37% this week, but as high as 6.85% for a 2 year deal.
The Bank of England have followed the Fed and ECB by hiking interest rates for the fourteenth time by 0.25% to 5.25%, which will be another nail in the coffin for the housing market and borrowers.
Average price of a home in the UK is now £260,000, £13,000 below a peak last August.
The lender completed 85,000 transactions in June, down from 100,000 the previous year, which is a near 15% fall in business.
If you need mortgage advice contact:
Miriam Nawagamuwa CeMAP
Mortgage and Protection Advisor
Larkin Financial Services Ltd
07539457777 / 02081333348
239 Mitcham Road, London, SW17 9JG
miriam.nawagamuwa@larkinfinancial.co.uk
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com #buytoletlandlords
House Prices Fall Again As Interest Rise For Fourteenth Time
Houses fell at the fastest annual rate in 14 years, according to figures published by the Nationwide Building Society.
Interview with Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services.
The second largest UK mortgage lender say house prices fell by 3.8% in the year to July 2023, the sharpest drop since July 2009.
Higher mortgage rates and the cost-of-living crisis are making “affordability a challenge”, the lender said.
Watch video version - https://youtu.be/iIr0nGOGEdc - Charles Kelly Money Tips Podcast.
A typical 5-year fixed rate mortgage was 6.37% this week, but as high as 6.85% for a 2 year deal.
The Bank of England have followed the Fed and ECB by hiking interest rates for the fourteenth time by 0.25% to 5.25%, which will be another nail in the coffin for the housing market and borrowers.
Average price of a home in the UK is now £260,000, £13,000 below a peak last August.
The lender completed 85,000 transactions in June, down from 100,000 the previous year, which is a near 15% fall in business.
If you need mortgage advice contact:
Miriam Nawagamuwa CeMAP
Mortgage and Protection Advisor
Larkin Financial Services Ltd
07539457777 / 02081333348
239 Mitcham Road, London, SW17 9JG
miriam.nawagamuwa@larkinfinancial.co.uk
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com #buytoletlandlords
With the housing and rental crisis getting worse by the day, the UK government must cease its war on private landlords and restore the balance of power.
3 Steps To Success Money Management! Join me online on my free live money management training Wednesday at 8.00PM. Register now https://bit.ly/3QPp8IH
Housing charities, such as Shelter and The Big Issue are calling on the government to end ‘no fault evictions’ and put a cap on rents, all of which is adding to landlord anxiety and causing thousands to quit the buy-to-let market.
· Almost 1 in 7 had their rent increased in the last month
· Of the 3.5 million private tenants who had their rent increased over 800,000 saw it rise by more than £100 a month, and nearly 200,000 by more than £300 a month
Almost 2.5 million renters are either behind or constantly struggling to pay their rent
· 1 in 3 spend at least half their household income on rent
Source: Shelter
Watch video version - https://youtu.be/RfJfvvtSTnE
The government has introduced a raft of new ant-landlord legislation and red tape for private landlords including:
· Section 24 tax hike on rental businesses holding propertied in individual names
· Tenant Fee Act
· More tests such as electrical inspections and Legionella tests
· Renters Reform Bill, which will end Section 21 ‘no fault evictions’ and give tenants more rights
Meanwhile, the crisis is leading to record rent highs and creating a massive shortage of properties.
As predicted, the war on landlords is backfiring on the government and tenants and landlords are paying the price.
The Bank of England’s hammer blow interest rate hikes (to stop the inflation they help create through money printing on an industrial scale) have added another nail ‘in the coffin’ to the buy-to-let property model.
More pain to come for borrowers and mortgage holders as both the Fed and ECB raise interest rates by 0.25% this week, a record high for the European Central Bank.
Will the Bank of England follow at their upcoming meeting?
Landlords are switching to other rental models, such as Serviced Accommodation, company lets and holiday rentals, in order to in many cases substantially increase rental returns, bypass Renters Reform legislation and Section 24 tax changes and help them survive higher interest rates.
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com #buytoletlandlords
STOP The War On Landlords
With the housing and rental crisis getting worse by the day, the UK government must cease its war on private landlords and restore the balance of power.
Housing charities, such as Shelter and The Big Issue are calling on the government to end ‘no fault evictions’ and put a cap on rents, all of which is adding to landlord anxiety and causing thousands to quit the buy-to-let market.
· Almost 1 in 7 had their rent increased in the last month
· Of the 3.5 million private tenants who had their rent increased over 800,000 saw it rise by more than £100 a month, and nearly 200,000 by more than £300 a month
Almost 2.5 million renters are either behind or constantly struggling to pay their rent
· 1 in 3 spend at least half their household income on rent
Source: Shelter
The government has introduced a raft of new ant-landlord legislation and red tape for private landlords including:
· Section 24 tax hike on rental businesses holding propertied in individual names
· Tenant Fee Act
· More tests such as electrical inspections and Legionella tests
· Renters Reform Bill, which will end Section 21 ‘no fault evictions’ and give tenants more rights
Meanwhile, the crisis is leading to record rent highs and creating a massive shortage of properties.
As predicted, the war on landlords is backfiring on the government and tenants and landlords are paying the price.
The Bank of England’s hammer blow interest rate hikes (to stop the inflation they help create through money printing on an industrial scale) have added another nail ‘in the coffin’ to the buy-to-let property model.
More pain to come for borrowers and mortgage holders as both the Fed and ECB raise interest rates by 0.25% this week, a record high for the European Central Bank.
Will the Bank of England follow at their upcoming meeting?
Landlords are switching to other rental models, such as Serviced Accommodation, company lets and holiday rentals, in order to in many cases substantially increase rental returns, bypass Renters Reform legislation and Section 24 tax changes and help them survive higher interest rates.
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com #buytoletlandlords
Commercial Mortgage Market Opportunities Beyond Buy-to-Let
Join me online on my free live money management training Wednesday at 8.00PM.
Register now below to avoid disappointment. https://bit.ly/3QPp8IH
Discussing commercial mortgages, buy-to-let, holiday lets and development finance with guest speaker, Paul Rogers - Commercial Finance Broker Commercial Finance Broker.
Synergy Commercial Finance Ltd paul.rogers@synergy.finance
Watch full video version on YouTube channel - https://youtu.be/hPJ1iY3ySVA
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com
Commercial Mortgage Market Opportunities Beyond Buy-to-Let
Join me online on my free live money management training Wednesday at 8.00PM.
Register now below to avoid disappointment. https://bit.ly/3QPp8IH
Discussing commercial mortgages, buy-to-let, holiday lets and development finance with guest speaker, Paul Rogers - Commercial Finance Broker Commercial Finance Broker.
Synergy Commercial Finance Ltd paul.rogers@synergy.finance
Watch full video version on YouTube channel - https://youtu.be/hPJ1iY3ySVA
See also:
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
https://youtu.be/5uJcr7YoPso
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental
airbnb #booking.com
Landlord News Serviced Accommodation V Buy-to-Let Property Rental And HMO’s
Exploring Alternative Buy-to-Let Property Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
Introduction
Investing in property has long been a popular avenue for generating income in the UK, but with mortgage rates hitting a 16 year high, the standard buy-to-let model does not stack up alongside borrowing. While standard buy-to-let properties have traditionally dominated the market, alternative strategies such as serviced accommodation, holiday letting, and houses in multiple occupation (HMO) are gaining traction as landlords look to increase returns to offset high borrowing costs and more red tape.
Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below https://bit.ly/3QPp8IH
Many experts are predicting a property market crash – see Housing Market in Deep Trouble https://youtu.be/USGREwntT1I
In this article, we will delve into the pros and cons of each strategy, as well as explore the associated risks and tax benefits for landlords under UK tax law.
- Serviced Accommodation
Serviced accommodation refers to the rental of fully furnished properties on a short-term basis, often targeted at business travellers, tourists, or corporate clients.
- Holiday Letting
Holiday letting is similar to the above model and involves renting out a property for short-term vacations, typically in popular tourist destinations.
- Houses in Multiple Occupation (HMOs)
HMOs are properties rented out to multiple unrelated tenants who share communal areas, such as kitchens and bathrooms.
Tax Considerations
Landlords should be aware of the tax implications of each strategy. Depending on individual circumstances, there may be specific tax benefits, including allowable expenses and tax deductions. Seeking advice from a tax professional is essential to navigate the complex UK tax landscape.
Conclusion
Alternative buy-to-let strategies offer landlords in the UK diverse opportunities to maximize their rental income. Serviced accommodation, holiday letting, and HMOs each come with their own set of advantages and challenges. Understanding the risks, tax implications, and individual goals can help landlords make informed decisions when exploring these alternative strategies.
With the right management, there is no doubt that serviced accommodation can increase net returns for landlords, as well as removing them from current housing legislation and the forthcoming tougher legislation proposed under the Renters Reform Bill.
For more information on renters reform, see my YouTube video: ‘Trouble Ahead for Landlords’ https://youtu.be/_QpXWoYmG3U
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates
property #mortgages #remortgage #mortgagerates #homebuyers #estateagent
housepricefall #finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money
servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb
booking.com
Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s
Exploring Alternative Buy-to-Let Property Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs
Introduction
Investing in property has long been a popular avenue for generating income in the UK, but with mortgage rates hitting a 16 year high, the standard buy-to-let model does not stack up alongside borrowing. While standard buy-to-let properties have traditionally dominated the market, alternative strategies such as serviced accommodation, holiday letting, and houses in multiple occupation (HMO) are gaining traction as landlords look to increase returns to offset high borrowing costs and more red tape.
Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below https://bit.ly/3QPp8IH
Many experts are predicting a property market crash – see Housing Market in Deep Trouble https://youtu.be/USGREwntT1I
In this article, we will delve into the pros and cons of each strategy, as well as explore the associated risks and tax benefits for landlords under UK tax law.
- Serviced Accommodation
Serviced accommodation refers to the rental of fully furnished properties on a short-term basis, often targeted at business travellers, tourists, or corporate clients.
- Holiday Letting
Holiday letting is similar to the above model and involves renting out a property for short-term vacations, typically in popular tourist destinations.
- Houses in Multiple Occupation (HMOs)
HMOs are properties rented out to multiple unrelated tenants who share communal areas, such as kitchens and bathrooms.
Tax Considerations
Landlords should be aware of the tax implications of each strategy. Depending on individual circumstances, there may be specific tax benefits, including allowable expenses and tax deductions. Seeking advice from a tax professional is essential to navigate the complex UK tax landscape.
Conclusion
Alternative buy-to-let strategies offer landlords in the UK diverse opportunities to maximize their rental income. Serviced accommodation, holiday letting, and HMOs each come with their own set of advantages and challenges. Understanding the risks, tax implications, and individual goals can help landlords make informed decisions when exploring these alternative strategies.
With the right management, there is no doubt that serviced accommodation can increase net returns for landlords, as well as removing them from current housing legislation and the forthcoming tougher legislation proposed under the Renters Reform Bill.
For more information on renters reform, see my YouTube video: ‘Trouble Ahead for Landlords’ https://youtu.be/_QpXWoYmG3U
If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Bank bosses have been probed by the UK's financial watchdog over complaints that interest rates on savings are too low and are not being passed on to savers.
Join me online on my free live money management training Wednesday https://bit.ly/3QPp8IH
Higher interest rates have led banks to put up mortgage costs sharply, but savings rates are barely rising.
Watch video version - https://youtu.be/ogv_VsmxClE
Chancellor Jeremy Hunt has finally noticed that savers have been ripped off and says it is an "issue which needs solving", the BBC reports.
Millions are struggling with the soaring cost of living, higher mortgage rates and energy bills, which have also failed to come down following falling oil and gas prices.
The heads of Lloyds, HSBC, NatWest and Barclays banks were summoned by the Financial Conduct Authority (FCA) on Thursday.
The watchdog will question the banks on poor savings rates.
HSBC said it had increased its savings rates "more than a dozen times since the beginning of last year, with every savings product seeing rates increased on multiple occasions during that time".
NatWest have not passed on rates on many of its older accounts at all, leaving it to customers to switch to different accounts to achieve a decent rate on their savings.
The Bank of England has been increasing UK interest rates since December 2021 as it tries to bring down soaring price rises.
Its base rate - which has a direct effect on mortgage and savings rates has risen from almost zero to 5% in the last 18 months.
The Central Bank wants to make it more expensive for people to borrow and spend and encourage them to save – in the hope that we will all spend less so that inflation cools.
Average mortgage rates have soared above 6%, while returns on savings and current accounts have risen by a much smaller amount, in some case not at all.
The average rate for a two-year mortgage deal hit 6.47%, while the average easy access savings rate was 2.45%, a gap of 4.02 percentage points.
The average one-year fixed savings rate was 4.8%.
Low returns on savings combined high inflations is eating away at people’s savings.
This follows over a decade of derisory returns. The banks have been offering poor savings rates since the 2008 financial crisis. Since then, it has been more profitable to borrow money and buy assets such as property, hence the housing bubble and unaffordable homes for first-time buyers.
The big four High Street banks have a monopoly on banking, lending and savings, although challenger banks are making headway.
Many older people are not used to internet banking at a time when the four main banks are closing hundreds of high street branches leaving customers isolated.
Even if the banks increase savings rates increase, money held in a bank account will not give you a ‘real’ rate of return above inflation.
If you want your money to grow so you can build wealth and become financially free you need to invest it into real assets, such as property or the stock market.
This can be done using low-cost tracker funds, unit trusts, mutual funds and pension funds. Average returns in a tracker fund invested in the US S&P 500 index are around 10% per annum, and you can start saving as little as £50 per month into most funds.
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
If you would like to learn more about how to become financially free and develop a millionaire mindset I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment https://bit.ly/3QPp8IH
Bank bosses have been probed by the UK's financial watchdog over complaints that interest rates on savings are too low and are not being passed on to savers.
Join me online on my free live money management training Wednesday https://bit.ly/3QPp8IH
Higher interest rates have led banks to put up mortgage costs sharply, but savings rates are barely rising.
Watch video version - https://youtu.be/ogv_VsmxClE
Chancellor Jeremy Hunt has finally noticed that savers have been ripped off and says it is an "issue which needs solving", the BBC reports.
Millions are struggling with the soaring cost of living, higher mortgage rates and energy bills, which have also failed to come down following falling oil and gas prices.
The heads of Lloyds, HSBC, NatWest and Barclays banks were summoned by the Financial Conduct Authority (FCA) on Thursday.
The watchdog will question the banks on poor savings rates.
HSBC said it had increased its savings rates "more than a dozen times since the beginning of last year, with every savings product seeing rates increased on multiple occasions during that time".
NatWest have not passed on rates on many of its older accounts at all, leaving it to customers to switch to different accounts to achieve a decent rate on their savings.
The Bank of England has been increasing UK interest rates since December 2021 as it tries to bring down soaring price rises.
Its base rate - which has a direct effect on mortgage and savings rates has risen from almost zero to 5% in the last 18 months.
The Central Bank wants to make it more expensive for people to borrow and spend and encourage them to save – in the hope that we will all spend less so that inflation cools.
Average mortgage rates have soared above 6%, while returns on savings and current accounts have risen by a much smaller amount, in some case not at all.
The average rate for a two-year mortgage deal hit 6.47%, while the average easy access savings rate was 2.45%, a gap of 4.02 percentage points.
The average one-year fixed savings rate was 4.8%.
Low returns on savings combined high inflations is eating away at people’s savings.
This follows over a decade of derisory returns. The banks have been offering poor savings rates since the 2008 financial crisis. Since then, it has been more profitable to borrow money and buy assets such as property, hence the housing bubble and unaffordable homes for first-time buyers.
The big four High Street banks have a monopoly on banking, lending and savings, although challenger banks are making headway.
Many older people are not used to internet banking at a time when the four main banks are closing hundreds of high street branches leaving customers isolated.
Even if the banks increase savings rates increase, money held in a bank account will not give you a ‘real’ rate of return above inflation.
If you want your money to grow so you can build wealth and become financially free you need to invest it into real assets, such as property or the stock market.
This can be done using low-cost tracker funds, unit trusts, mutual funds and pension funds. Average returns in a tracker fund invested in the US S&P 500 index are around 10% per annum, and you can start saving as little as £50 per month into most funds.
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
If you would like to learn more about how to become financially free and develop a millionaire mindset I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment https://bit.ly/3QPp8IH
Best Mortgage Deals and Rates Following Base Rate Hike
Following the Bank of England’s 13th base rate hike to 5%, we look at the current mortgage deals on offer for fixed rates, discounts, trackers and buy-to-let.
See video version on YouTube: https://youtu.be/QF-gAdIYkdo
Also in this Money Tips Podcast episode:
· Transferring buy-to-let property to a limited company without paying CGT and Stamp Duty
· Improving your returns using holiday lets or serviced accommodation (SA)
· Getting around George Osbourne’s Section 24 tax grab on buy-to-ley landlords
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Multiple Streams of Property Income - Flagship 3-Day Training
Friday 14th to Sunday 16th July 2023
Register HERE for complimentary tickets:
https://bit.ly/propertyABC
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #housingmarket
propertycrash #section24 #GeorgeOsbourne #taxrise #millionaire #millionairemindset
andrewbailey
Best Mortgage Deals and Rates Following Base Rate Hike
Following the Bank of England’s 13th base rate hike to 5%, we look at the current mortgage deals on offer for fixed rates, discounts, trackers and buy-to-let.
See video version on YouTube: https://youtu.be/QF-gAdIYkdo
Also in this Money Tips Podcast episode:
· Transferring buy-to-let property to a limited company without paying CGT and Stamp Duty
· Improving your returns using holiday lets or serviced accommodation (SA)
· Getting around George Osbourne’s Section 24 tax grab on buy-to-ley landlords
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Multiple Streams of Property Income - Flagship 3-Day Training
Friday 14th to Sunday 16th July 2023
Register HERE for complimentary tickets:
https://bit.ly/propertyABC
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #housingmarket
propertycrash #section24 #GeorgeOsbourne #taxrise #millionaire #millionairemindset
andrewbailey
The Bank of England have hiked base interest rates for the 13th time by 0.5% to 5% causing more misery and pain for beleaguered homeowners and further downward pressure on house prices.
How To Develop A Millionaire Mindset - Free training webinar:
3 Steps To Success Money Management and Financial FREEDOM!...register now below to avoid disappointment.
https://bit.ly/3QPp8IH
The governor of the Bank of England, Andrew Bailey, said they have not ruled out further interest rate rises, pouring further anxiety on homeowners already struggling to meet the payments and cope with higher food prices and living costs.
Watch full video - https://youtu.be/Xw8cYNnlrn4
The markets are already factoring in a base rate of 6%, which would be disastrous for mortgages and house prices as borrowing becomes unaffordable for residential and buy-to-let property investors.
Buy-to-Let property deals no longer stack up at higher rates.
The average 5-year fixed rate mortgage is near 6%, but some borrowers were already facing 6-7% interest rates before this latest rate rise. Could we see a return of a 10% mortgage?
The housing market has already started to slow down, and this will add further stress to affordability as lenders have pulled thousands of mortgage products already.
One economist said that 50% of borrowers holding fixed-rate mortgages have yet to renew.
In January the FCA warned that, as many as 750,000 homeowners face default, which means they could be repossessed and lose their homes.
House prices have been rescued by rate cuts and money printing in 2008 after the banks collapsed, and again 2020, but prices and transactions are now falling in the UK and in many other western economies.
Finally, spare a thought for Turkish people. The government has just hiked rates by 6.65%!
So what can you do to survive?
The government have met with the major lenders today. The banks have agreed to help borrowers by allowing product switches to interest only among other measures to be released. Your credit file will not be affected in the first six months.
Here are my money survival tips:
· Talk to your lender – don’t bury your head in the sand.
· Rent a room scheme.
· Get a part-time job.
· Learn how to manage your money.
· Learn how to invest and grow your money into wealth.
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #housingmarket
propertycrash #section24 #GeorgeOsbourne #taxrise #millionaire #millionairemindset
andrewbailey #blackwednesday #georgesoros #andrewtate
The Bank of England have hiked base interest rates for the 13th time by 0.5% to 5% causing more misery and pain for beleaguered homeowners and further downward pressure on house prices.
How To Develop A Millionaire Mindset - Free training webinar. 3 Steps To Success Money Management and Financial FREEDOM!...register now below to avoid disappointment. https://bit.ly/3QPp8IH
The governor of the Bank of England, Andrew Bailey, said they have not ruled out further interest rate rises, pouring further anxiety on homeowners already struggling to meet the payments and cope with higher food prices and living costs.
Watch full video - https://youtu.be/Xw8cYNnlrn4
The markets are already factoring in a base rate of 6%, which would be disastrous for mortgages and house prices as borrowing becomes unaffordable for residential and buy-to-let property investors.
Buy-to-Let property deals no longer stack up at higher rates.
The average 5-year fixed rate mortgage is near 6%, but some borrowers were already facing 6-7% interest rates before this latest rate rise. Could we see a return of a 10% mortgage?
The housing market has already started to slow down, and this will add further stress to affordability as lenders have pulled thousands of mortgage products already.
One economist said that 50% of borrowers holding fixed-rate mortgages have yet to renew.
In January the FCA warned that, as many as 750,000 homeowners face default, which means they could be repossessed and lose their homes.
House prices have been rescued by rate cuts and money printing in 2008 after the banks collapsed, and again 2020, but prices and transactions are now falling in the UK and in many other western economies.
Finally, spare a thought for Turkish people. The government has just hiked rates by 6.65%!
So what can you do to survive?
The government have met with the major lenders today. The banks have agreed to help borrowers by allowing product switches to interest only among other measures to be released. Your credit file will not be affected in the first six months.
Here are my money survival tips:
· Talk to your lender – don’t bury your head in the sand.
· Rent a room scheme.
· Get a part-time job.
· Learn how to manage your money.
· Learn how to invest and grow your money into wealth.
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #housingmarket
propertycrash #section24 #GeorgeOsbourne #taxrise #millionaire #millionairemindset
andrewbailey #blackwednesday #georgesoros #andrewtate
Housing Market In Deep Trouble - Interest Rates And Bond Yields Rising, Buy-to-Let Properties No Longer Viable
The housing market is heading for serious trouble in the UK, US and many other countries as the worldwide economy slows.
Develop a Millionaire Mindset - Register now below to avoid disappointment. https://bit.ly/3QPp8IH
I think house prices will continue to fall, especially with higher interest rates on the way and landlords selling up for a number of reasons.
Will there be a property crash? Quite possibly depending on future government action. Right now, they are doing little to help property owners and especially landlords.
Should the government bring back mortgage tax relief for residential homeowners? This was abolished by the then Labour Chancellor Gordon Brown.
Watch video version - https://youtu.be/USGREwntT1I
Bond yields rise
More bad news to come – The FT reported rising Bond yields today and food prices are set to soar again following the destruction of the dam in Ukraine which has flooded and destroyed thousands of square miles of Wheat and Soy fields. This will put more pressure on inflation.
Is the ‘buy-to-let’ market dead?
Buy to lets deals just don’t add up anymore with higher rates. I’ve been offered properties which have great yields and would’ve looked amazing with lower interest rates. But when you look at the deal in light of a 5% or 6% interest rate (even on an interest only mortgage) the rent barely covers the payments.
When you factor in other costs, such as service charges, repairs, insurance, agency or management fees, voids and so on the real ‘yield’ is negative.
I’m also hearing directly from landlords who are selling their perfectly good properties due to higher interest rates and because they are higher rate taxpayers.
Higher interest rates, together with George Osborne is helpful Sec 24 tax changes have made their existing buy to let property unviable.
If your properties are in a limited company you are not affected by the tax changes, but moving your property from your personal name into a limited company can trigger CGT and Stamp Duty, plus other costs, if not done correctly.
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Watch More Mortgage Misery For Property Buyers As Bank Raise Rates Again:
https://youtu.be/BNe5eV37iiM
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates
property #mortgages #remortgage #mortgagerates #homebuyers #estateagent
housepricefall #finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money #cladding
equityrelease #housingmarket #propertycrash #section24 #GeorgeOsbourne
taxrise #millionaire #millionairemindset
Housing Market In Deep Trouble - Interest Rates And Bond Yields Rising, Buy-to-Let Properties No Longer Viable
The housing market is heading for serious trouble in the UK, US and many other countries as the worldwide economy slows.
Develop a Millionaire Mindset - Register now below to avoid disappointment. https://bit.ly/3QPp8IH
I think house prices will continue to fall, especially with higher interest rates on the way and landlords selling up for a number of reasons.
Will there be a property crash? Quite possibly depending on future government action. Right now, they are doing little to help property owners and especially landlords.
Should the government bring back mortgage tax relief for residential homeowners? This was abolished by the then Labour Chancellor Gordon Brown.
Watch video version - https://youtu.be/USGREwntT1I
Bond yields rise
More bad news to come – The FT reported rising Bond yields today and food prices are set to soar again following the destruction of the dam in Ukraine which has flooded and destroyed thousands of square miles of Wheat and Soy fields. This will put more pressure on inflation.
Is the ‘buy-to-let’ market dead?
Buy to lets deals just don’t add up anymore with higher rates. I’ve been offered properties which have great yields and would’ve looked amazing with lower interest rates. But when you look at the deal in light of a 5% or 6% interest rate (even on an interest only mortgage) the rent barely covers the payments.
When you factor in other costs, such as service charges, repairs, insurance, agency or management fees, voids and so on the real ‘yield’ is negative.
I’m also hearing directly from landlords who are selling their perfectly good properties due to higher interest rates and because they are higher rate taxpayers.
Higher interest rates, together with George Osborne is helpful Sec 24 tax changes have made their existing buy to let property unviable.
If your properties are in a limited company you are not affected by the tax changes, but moving your property from your personal name into a limited company can trigger CGT and Stamp Duty, plus other costs, if not done correctly.
See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA
See also:
Watch More Mortgage Misery For Property Buyers As Bank Raise Rates Again:
https://youtu.be/BNe5eV37iiM
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
How To Develop A Millionaire Mindset
I want to show you exactly how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
· Develop a millionaire mindset
To help you, I am running a free training webinar.
3 Steps To Success Money Management and Financial FREEDOM!
I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates
property #mortgages #remortgage #mortgagerates #homebuyers #estateagent
housepricefall #finance #moneytraining #moneymanagement #wealth #bankofengland #inflation #money #cladding
equityrelease #housingmarket #propertycrash #section24 #GeorgeOsbourne
taxrise #millionaire #millionairemindset
Mortgage Update On Interest Rates, Adverse Credit And Apartment Blocks With Cladding
Join me online on my free live money management training Wednesday at 8.00PM. Click link to register - https://bit.ly/3QPp8IH
Interview with mortgage broker Mitesh Manek.
linkedin.com/in/mitesh-manek-30970232
Watch full videos - https://youtu.be/yviUSBde_L4
https://youtu.be/dcvfdS5ugao
See also:
Watch More Mortgage Misery For Property Buyers As Bank Raise Rates Again:
https://youtu.be/BNe5eV37iiM
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
What is your biggest money worry?
I want to show you how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #cladding #equityrelease #adversecredit
Mortgage Update On Interest Rates, Adverse Credit And Apartment Blocks With Cladding
Join me online on my free live money management training Wednesday at 8.00PM. Click link to register - https://bit.ly/3QPp8IH
Interview with mortgage broker Mitesh Manek.
linkedin.com/in/mitesh-manek-30970232
Watch full videos - https://youtu.be/yviUSBde_L4
https://youtu.be/dcvfdS5ugao
See also:
Watch More Mortgage Misery For Property Buyers As Bank Raise Rates Again:
https://youtu.be/BNe5eV37iiM
Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up:
https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
What is your biggest money worry?
I want to show you how you can:
• Not only survive, but thrive in a recession or depression?
• Get control of your finances and spending?
• Save and invest for your future?
• Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage
mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining
moneymanagement #wealth #bankofengland
inflation #money #cladding #equityrelease #adversecredit
Inflation Falls Below 10% As Interest Rate Rises Start ToHurt The Economy And Consumers
UK inflation has finally fallen below 10% to 8.7%, but coreinflation, excluding food, rose by the highest amount since 1992.
The Bank of England recently followed Fed and ECB with twelfthsuccessive interest rate hike by 0.25% to 4.5%.
Further interest rate rises are expected adding more pain tohouseholders.
Some borrowers seeing their payments double after theirfixed-rate deals have expired, but lenders are trying to keep rates down usinginnovative fee structures.
The Banks’ governor Andrew Bailey expects inflation to startgoing down this year as wholesale energy costs filter through to consumers.
Average inflation may have fallen below 10%, but mortgage costs, rent, food and energy costs have risen by far more.
· Official inflation rate stands at 8.7% - four times the target rate
· Core inflation excluding items like food rose to 6.8%
· Food costs are rising at highest rate in 45years
· Food inflation is 19% according to official figures
· Learn how to manage your money on my free webinar...
Watch full video - https://youtu.be/Fej9_rVc4eI
What is your biggest money worry?
Fear of poverty and running out of money are the biggest worry of millions of American retirees.
We are living in challenging times and a cost-of-living crisis, and even the mighty Germaneconomy is now in recession, but you don’t have to be a victim.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a 5-day challenge series.
Money Management and Financial Freedom!
I want to help you get control of your money, learn how to invest and become financially free.
Check it out below:
MasterYour Money In 28 Days 5-Day Series - https://youtu.be/1xxq9by8P3o
interestrates #property #mortgages #remortgage #mortgagerates #homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #bankofengland #inflation #money #FED #ECB #financialfreedom
Inflation Falls Below 10% As Interest Rate Rises Start ToHurt The Economy And Consumers
UK inflation has finally fallen below 10% to 8.7%, but coreinflation, excluding food, rose by the highest amount since 1992.
The Bank of England recently followed Fed and ECB with twelfthsuccessive interest rate hike by 0.25% to 4.5%.
Further interest rate rises are expected adding more pain tohouseholders.
Some borrowers seeing their payments double after theirfixed-rate deals have expired, but lenders are trying to keep rates down usinginnovative fee structures.
The Banks’ governor Andrew Bailey expects inflation to startgoing down this year as wholesale energy costs filter through to consumers.
Average inflation may have fallen below 10%, but mortgagecosts, rent, food and energy costs have risen by far more.
· Official inflation rate stands at 8.7% - fourtimes the target rate
· Core inflation excluding items like food rose to6.8%
· Food costs are rising at highest rate in 45years
· Food inflation is 19% according to officialfigures
· Learn how to manage your money on my freewebinar
Watch full video - https://youtu.be/Fej9_rVc4eI
What is your biggest money worry?
Fear of poverty and running out of money are the biggest worry of millions of American retirees.
We are living in challenging times and a cost-of-living crisis, and even the mighty Germaneconomy is now in recession, but you don’t have to be a victim.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I amrunning a 5-day challenge series.
Money Managementand Financial Freedom!
I want to help youget control of your money, learn how to invest and become financially free.
Check it out below:
MasterYour Money In 28 Days 5-Day Series - https://youtu.be/1xxq9by8P3o
interestrates #property #mortgages#remortgage #mortgagerates #homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #bankofengland #inflation #money #FED #ECB#financialfreedom
Part 5 of the 5-day challenge to learn how to get control of your finances and spending in 28 days, and become financially free.
Get Started Today - https://bit.ly/3KY9CJA
money #moneymanagement #financialfreedom #savemoney #spending #finance #REVIEWFINANCES
Part 5 of the 5-day challenge to learn how to get control of your finances and spending in 28 days, and become financially free.
Get Started Today - https://bit.ly/3KY9CJA
money #moneymanagement #financialfreedom #savemoney #spending #finance #REVIEWFINANCES
Part 4 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days, and become financially free.
Get Started Today - https://bit.ly/3KY9CJA
money #moneymanagement #financialfreedom #savemoney#spending #finance #REVIEWFINANCES
MASTER YOUR MONEY IN 28 DAYS PART 4. REVIEW
Part 4 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days, and become financially free.
Get Started Today - https://bit.ly/3KY9CJA
money #moneymanagement #financialfreedom #savemoney#spending #finance #REVIEWFINANCES
MASTER YOUR MONEY IN 28 DAYS PART 3. ACCUMULATE WEALTH
Part 3 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
MASTER YOUR MONEY IN 28 DAYS PART 3. ACCUMULATE WEALTH
Part 3 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
MASTER YOUR MONEY IN 28 DAYS PART 2. MANAGE YOUR MONEY
Part 2 of the 5-day challenge…Learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
MASTER YOUR MONEY IN 28 DAYS PART 2. MANAGE YOUR MONEY
Part 2 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
MASTER YOUR MONEY IN 28 DAYS PART 1. SPENDING CONTROL
Part 1 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
MASTER YOUR MONEY IN 28 DAYS PART 1. SPENDING CONTROL
Part 1 of the 5-day challenge to learn how to get control ofyour finances and spending in 28 days.
Learn more - https://youtu.be/uAREkaOI4e4
money #moneymanagement #financialfreedom #savemoney#spending
UK Renters Reform Bill Published – More Rights ForTenants, Less Power For Landlords
The UK rental market is set to undergo a significanttransformation with the recent publication of the Renters Reform Bill. Thisproposed legislation aims to strengthen the rights of tenants while limitingthe power wielded by landlords. With the increasing demand for affordable andsecure housing, the bill seeks to create a fairer and more balanced rentalsector.
Let's summarise some of the key provisions outlined in thebill that will impact both tenants and landlords:
· Section 21 ‘no fault’ evictions to be abolished.
· The endof section 21 “no fault” evictions, meaning a landlord will only be ‘allowed’to evict a tenant if they have a “reason”, e.g. antisocial behaviour, unpaidrent, or a need to sell the property
· A newombudsman to resolve disputes between tenants and landlords
· A newproperty portal that landlords MUST register with, allowing tenants to viewinformation about their landlord before signing a tenancy agreement
· Tenantsto be given the legal right to request a pet, such as a dog or cat, in “their”home
· A newDecent Homes Standard that will set minimum standards for the quality ofhousing
· Blanket ban on benefit tenants to be abolished.Will be illegal for landlords andagents to have blanket bans on renting to tenants in receipt of state benefits.
The Bill will become law after passing through the commonsand House of Lords where it will be debated and scrutinised by MP’s and Lords.The opposition Labour Party largely support the tougher legislation and the alsogovernment has majority in parliament.
See also:
Interest RatesWill Rise, Property Prices Will Fall And Opportunities Will Open Up
Misery For MortgageHolders As UK Interest Rates Rise AGAIN - https://youtu.be/BNe5eV37iiM
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #bankofengland #inflation #money #section21nofaulteviction#landlord #rentersreformbill #tenantsrights
Bank of England follow Fed and ECB with a 0.25% interestrate rise to 4.5%.
3 Steps To Success Money Management! To help you, Iam running a freetraining webinar - https://bit.ly/3QPp8IH
Official inflation rate stands at 10.1% - five times the targetrate.
Food inflation is 19% according to official figures.
Will property prices keep falling?
See also: Interest RatesWill Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
Watch video version - https://youtu.be/BNe5eV37iiM
What is your biggest money worry?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #bankofengland #inflation #money #FED #ECB
More Mortgage Misery For Property Buyers As Bank RaiseRates Again
Bank of England follow Fed and ECB with a 0.25% interestrate rise to 4.5%.
3 Steps To Success Money Management! To help you, Iam running a freetraining webinar - https://bit.ly/3QPp8IH
Official inflation rate stands at 10.1% - five times the targetrate.
Food inflation is 19% according to official figures.
Will property prices keep falling?
See also: Interest RatesWill Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
Watch video version - https://youtu.be/BNe5eV37iiM
What is your biggest money worry?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #bankofengland #inflation #money #FED #ECB
Gold Price Reaches Record High Amid Bank Failures And US,ECB Rate Hike
This week the price of gold reached an all time high of$2081, amid US bank failures and quarter percent interest rate hikes from theFederal Reserve and ECB.
Join me online on my free live money management training. Placesare limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Investors sought safety as another US bank faces collapsefollowing the rescues of First Republic Bank by JP Morgan.
Shares in California-based PacWest bank tumbled by 50% andWestern Alliance also plunged by almost 40%, as depositors lost confidence.
Watch video version - https://youtu.be/Glb75nkR0rw
Shares in several US regional banks have plummeted causingthe collapse of Silicon Valley Bank, while the regulators appeared to limitsupport to the major banks. This has caused a mass transfer of depositor fundsto the safety of a big banks putting the whole regional bank system at risk.
The Bank of England is expected to follow the Fed and ECBand raise UK base rates this month pouring more misery on borrower and drivingthe economy into official recession.
See: Interest RatesWill Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
Is gold a safe investment?
Will property prices fall?
What is your biggest money worry?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #blackstone #bankofengland #fed #money #gold#goldprice #PacWest #SVB #JPMorgan #FED #ECB #bankofengland
Gold Price Reaches Record High Amid Bank Failures And US,ECB Rate Hike
This week the price of gold reached an all time high of$2081, amid US bank failures and quarter percent interest rate hikes from theFederal Reserve and ECB.
Join me online on my free live money management training. Placesare limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Investors sought safety as another US bank faces collapsefollowing the rescues of First Republic Bank by JP Morgan.
Shares in California-based PacWest bank tumbled by 50% andWestern Alliance also plunged by almost 40%, as depositors lost confidence.
Watch video version - https://youtu.be/Glb75nkR0rw
Shares in several US regional banks have plummeted causingthe collapse of Silicon Valley Bank, while the regulators appeared to limitsupport to the major banks. This has caused a mass transfer of depositor fundsto the safety of a big banks putting the whole regional bank system at risk.
The Bank of England is expected to follow the Fed and ECBand raise UK base rates this month pouring more misery on borrower and drivingthe economy into official recession.
See: Interest RatesWill Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s
Is gold a safe investment?
Will property prices fall?
What is your biggest money worry?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth #blackstone #bankofengland #fed #money #gold #goldprice #PacWest #SVB #JPMorgan #FED #ECB #bankofengland
The Bank of England (BoE) and Federal Reserve have hintedthat further rate rises are on the cards in order to tame rising inflation.
Join me online on my free live money management training. Placesare limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Today’s Podcast Summary
· Wholesale market rates point to a rate rise.
· Inflation in the UK is currently 10.1%.
· The BoE inflation target rate is 2%!
· What do you think the BoE are going to do?
· This will officially put the economy intorecession, cause property prices to fall and more homeowners lose their housesthrough repossession.
· Do they care?
· RICS report predicts a fall in property pricesof around 5%.
· Opportunities for first time buyers and propertyinvestors as prices fall.
· Blackstone have just raised $30 billion to buyproperty.
What is your biggest money worry?
Watch video version https://youtu.be/ziTf2jOagB8
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #blackstone #bankofengland #fed #rich #money
Interest Rates Will Rise, Property Prices Will Fall AndOpportunities Will Open Up
The Bank of England (BoE) and Federal Reserve have hintedthat further rate rises are on the cards in order to tame rising inflation.
Join me online on my free live money management training. Placesare limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Today’s Podcast Summary
· Wholesale market rates point to a rate rise.
· Inflation in the UK is currently 10.1%.
· The BoE inflation target rate is 2%!
· What do you think the BoE are going to do?
· This will officially put the economy intorecession, cause property prices to fall and more homeowners lose their housesthrough repossession.
· Do they care?
· RICS report predicts a fall in property pricesof around 5%.
· Opportunities for first time buyers and propertyinvestors as prices fall.
· Blackstone have just raised $30 billion to buyproperty.
What is your biggest money worry?
Watch video version https://youtu.be/ziTf2jOagB8
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #estateagent #housepricefall #finance #moneytraining#moneymanagement #wealth #blackstone #bankofengland #fed #rich #money
Residential rents in the capital soar by almost 20% asworkers return to the city.
London Mayor Khan wants the government to give him powersto impose a cap on rents, but is that the answer or will more regulationexacerbate the shortage of available rental properties?
Tens of thousands of landlords are quitting the market andestate agents Knight Frank estimated that 144,000 landlords have retired in thelast year.
See 85,000 UK Landlords have quit the rental market- https://youtu.be/NME3nEu8dAQ
Furthermore, higher interest rates and mortgagerestrictions have rendered many buy-to-let property deals unviable.
Buy-to-let landlords have had to contend with highertaxes, and more red tape in the last few years, prompting many to look foralternative business opportunities.
Watch video - https://youtu.be/rxqPIXYaLAc
There are signs that the government may be getting themessage.
According to as yet unsubstantiated rumours, thegovernment may be pushing back its planned introduction of tighter EPCrequirements.
However, the abolition of Sec 21 no fault evictions lookslike it is going ahead, despite the fact that there is no workablereplacement.
With a pending recession and higher interest rates, houseprices have slumped by more than 4% from that peak, according to March'sfigures from the Nationwide Building Society.
Prices have fallen for five consecutive months as the Bankof England struggles to control inflation.
Does this meanthere will be a 2008-style crash? Much depends on government moves to balancethe economy, as no Prime Minister wants to face a general election during aproperty crash.
If you would like to know more about property, money,management and wealth building tips, I’m running a free webinar this week onWednesday evening at 8 pm.
Need help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #money #EPC #buytolet #rentalproperty #Section21
The Institute for Fiscal Studies (IFS) is planning a pensions review following researchwhich highlighted concerns about the "substantial risks" facing future pensioners.
Watch video - https://youtu.be/_7_cd2UWUEg
Summary
· Themulti-year review will examine the effects of changing economic conditions andpublic policies on the future of financial security in retirement, includinghow these effects differ by gender, ethnicity and across the UK.
· Thereview will also consider the impact of changing demographics and longevitytrends, as well as the impact on self-employed workers.
· Reportswill be shared over the next two years, with concrete recommendations andoptions for reform to be presented in Summer 2025.
· IFSresearch revealed that 60% of middle-earning private sector employees who arecontributing to a pension are saving less than 8% of their earnings.Additionally, nearly 90% are saving less than the 15% of earnings previouslyrecommended by Lord Turner’s Pensions Commission.
· Thereview will also consider the risk facing future generations of pensioners andthe risk that too many are saving too little for retirement.
·
Here are seven ways to retire financially free:
-
StartSaving Early: The earlier you start saving for retirement, the more time yourmoney has to grow. You can use tax-advantaged retirement accounts/plans tomaximize your savings potential.
-
LiveBelow Your Means: Live a modest lifestyle and avoid overspending on unnecessaryitems. Create a budget and stick to it, and consider downsizing or relocatingto a lower cost of living area.
-
InvestWisely: Invest your money wisely in a diversified portfolio of stocks, bonds,and other assets. Consider consulting with a financial advisor to help youcreate an investment strategy that aligns with your risk tolerance and goals.
-
MaximizeYour Income: Consider ways to increase your income, such as taking on a sidejob or starting a small business. Maximize your earning potential by developingnew skills, pursuing advanced education, or seeking a higher-paying job.
-
Pay OffDebt: Avoid carrying high-interest debt, such as credit card debt, intoretirement. Pay off your debts as soon as possible to reduce your financialobligations and free up money for savings.
-
Planfor Healthcare Costs: Healthcare costs can be a significant expense inretirement. Consider purchasing long-term care insurance or a supplementalhealth insurance policy to help cover these costs.
-
Have aRetirement Plan: Develop a retirement plan that takes into account your goals,income, and savings. Monitor your plan regularly and make adjustments as neededto ensure that you stay on track to meet your retirement goals.
Millions of people have lost faith in the complex andmuddled pensions system, preferring to do their own thing by investing inthings like buy-to-let property, business or trading directly on the stockmarket.
Whilst this can work for some, ignoring the many benefits ofpension investing, such as tax relief, carries risk.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
The Institute for Fiscal Studies (IFS) is planning a pensions review following researchwhich highlighted concerns about the "substantial risks" facing future pensioners.
Watch video - https://youtu.be/_7_cd2UWUEg
Summary
· Themulti-year review will examine the effects of changing economic conditions andpublic policies on the future of financial security in retirement, includinghow these effects differ by gender, ethnicity and across the UK.
· Thereview will also consider the impact of changing demographics and longevitytrends, as well as the impact on self-employed workers.
· Reportswill be shared over the next two years, with concrete recommendations andoptions for reform to be presented in Summer 2025.
· IFSresearch revealed that 60% of middle-earning private sector employees who arecontributing to a pension are saving less than 8% of their earnings.Additionally, nearly 90% are saving less than the 15% of earnings previouslyrecommended by Lord Turner’s Pensions Commission.
· Thereview will also consider the risk facing future generations of pensioners andthe risk that too many are saving too little for retirement.
·
Here are seven ways to retire financially free:
-
StartSaving Early: The earlier you start saving for retirement, the more time yourmoney has to grow. You can use tax-advantaged retirement accounts/plans tomaximize your savings potential.
-
LiveBelow Your Means: Live a modest lifestyle and avoid overspending on unnecessaryitems. Create a budget and stick to it, and consider downsizing or relocatingto a lower cost of living area.
-
InvestWisely: Invest your money wisely in a diversified portfolio of stocks, bonds,and other assets. Consider consulting with a financial advisor to help youcreate an investment strategy that aligns with your risk tolerance and goals.
-
MaximizeYour Income: Consider ways to increase your income, such as taking on a sidejob or starting a small business. Maximize your earning potential by developingnew skills, pursuing advanced education, or seeking a higher-paying job.
-
Pay OffDebt: Avoid carrying high-interest debt, such as credit card debt, intoretirement. Pay off your debts as soon as possible to reduce your financialobligations and free up money for savings.
-
Planfor Healthcare Costs: Healthcare costs can be a significant expense inretirement. Consider purchasing long-term care insurance or a supplementalhealth insurance policy to help cover these costs.
-
Have aRetirement Plan: Develop a retirement plan that takes into account your goals,income, and savings. Monitor your plan regularly and make adjustments as neededto ensure that you stay on track to meet your retirement goals.
Millions of people have lost faith in the complex andmuddled pensions system, preferring to do their own thing by investing inthings like buy-to-let property, business or trading directly on the stockmarket.
Whilst this can work for some, ignoring the many benefits ofpension investing, such as tax relief, carries risk.
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
London Rents Jump By 20% As Mayor Khan Calls For Rent Controls
Residential rents in the capital soar by almost 20% asworkers return to the city.
London Mayor Khan wants the government to give him powersto impose a cap on rents, but is that the answer or will more regulationexacerbate the shortage of available rental properties?
Tens of thousands of landlords are quitting the market andestate agents Knight Frank estimated that 144,000 landlords have retired in thelast year.
See 85,000 UK Landlords have quit the rental market- https://youtu.be/NME3nEu8dAQ
Furthermore, higher interest rates and mortgagerestrictions have rendered many buy-to-let property deals unviable.
Buy-to-let landlords have had to contend with highertaxes, and more red tape in the last few years, prompting many to look foralternative business opportunities.
Watch video - https://youtu.be/rxqPIXYaLAc
There are signs that the government may be getting themessage.
According to as yet unsubstantiated rumours, thegovernment may be pushing back its planned introduction of tighter EPCrequirements.
However, the abolition of Sec 21 no fault evictions lookslike it is going ahead, despite the fact that there is no workablereplacement.
With a pending recession and higher interest rates, houseprices have slumped by more than 4% from that peak, according to March'sfigures from the Nationwide Building Society.
Prices have fallen for five consecutive months as the Bankof England struggles to control inflation.
Does this meanthere will be a 2008-style crash? Much depends on government moves to balancethe economy, as no Prime Minister wants to face a general election during aproperty crash.
If you would like to know more about property, money,management and wealth building tips, I’m running a free webinar this week onWednesday evening at 8 pm.
Need help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates#property #mortgages #remortgage #firsttimebuyer #mortgagerates#homebuyers #housepricefall #finance#moneytraining #moneymanagement #wealth #money #EPC #buytolet #rentalproperty #Section21
Michael Gove, the UK's Secretary of State for Environment, Food and Rural Affairs, has proposednew regulations for short-term rentals in holiday resorts, including thoselisted on Airbnb.
Join me online on my free live money management trainingWednesday 8.00PM https://bit.ly/3QPp8IH
These regulations aim to address concerns over the impact of such rentals on the availability andaffordability of housing in these areas. House prices have surged in popularcoastal beauty spots in parts of Devon, Cornwall and Norfolk as investors swoopup property for holiday lets as higher rents.
Under the proposed rules, local councils would have the power to require property owners to obtainplanning permission before renting out their homes for short periods. Thiswould allow councils to regulate the number of short-term rentals in an area,and to ensure that they do not have a negative impact on the availability oflong-term housing.
Watch video version - https://youtu.be/QvkdXPYjRMw
The regulations would also require Airbnb hosts to register their properties with their localcouncil, and to comply with safety and hygiene standards.
Although these regulations have not yet been implemented, and it remains to be seen how theywill be received by the public and by Airbnb hosts, the news will neverthelessbe yet another worry to weary landlords.
Thousands of landlords have switched their business model to the more lucrative holiday, orserviced accommodation (SA) rentals, as an alternative standard buy-to-let.
As many as 85,000 UK Landlords have quit the rental marketin the last few years due to higher taxes and government red tape. Rents haveincreased as demand outstrips supply - https://youtu.be/NME3nEu8dAQ
Buy-to-let property owners face further problems ahead with the planned abolition of Sec 21 no fault evictions and higher EPCenergy rating standards.
Could there be a property crash?
Property prices surged by about 25% across the UK from thestart of 2020 until Autumn 2022.
With a pending recession and higher interest rates, houseprices have slumped by more than 4% from that peak, according to March'sfigures from the Nationwide Building Society.
Prices have fallen for five consecutive months as the Bankof England struggles to control inflation.
Does this mean there will be a 2008-style crash? Much depends on government moves to balancethe economy, as no Prime Minister wants to face a general election during aproperty crash.
Need help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live money management trainingWednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IHhttps://bit.ly/3QPp8IH
A Lifetime ISA Is Ideal For First Time Property Buyers ToEarn £1,000 Tax Free Bonus
Use or lose your £1,000 tax free bonus before 5 April...
First-time property buyers can use a Lifetime ISA(Individual Savings Account) to buy their first home or save for retirement.
You should be 18 or over but under 40 to open a LifetimeISA.
Watch video version - https://youtu.be/T4N8Drjy9ng
You can invest up to £4,000 each year, until you’re 50, butyou must make your first payment into your ISA before you’re 40.
The UK government will add a 25% bonus to your savings, upto a maximum of £1,000 per year.
See full details on government website.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
property#mortgages #financialfreedom #firsttimebuyer #homebuyers #LifetimeISA #firsttimebuyer#firsttimehomebuyer #isa
A Lifetime ISA Is Ideal For First Time Property Buyers ToEarn £1,000 Tax Free Bonus
Use or lose your £1,000 tax free bonus before 5 April...
First-time property buyers can use a Lifetime ISA(Individual Savings Account) to buy their first home or save for retirement.
You should be 18 or over but under 40 to open a LifetimeISA.
Watch video version - https://youtu.be/T4N8Drjy9ng
You can invest up to £4,000 each year, until you’re 50, butyou must make your first payment into your ISA before you’re 40.
The UK government will add a 25% bonus to your savings, upto a maximum of £1,000 per year.
See full details on government website.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
property#mortgages #financialfreedom #firsttimebuyer #homebuyers #LifetimeISA #firsttimebuyer#firsttimehomebuyer #isa
Last week, the Bank of England announced an interest rate hike of 0.25%, which will have asignificant impact on the UK property market. The change will impact mortgages,remortgages, and first-time buyers, and it comes just in time for the last dayof the Help to Buy scheme.
Join me online on my free live training Wednesday at 8.00PM.Places are limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Money Tips Podcast guest, Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with LarkinFinancial Services Ltd gives her expert views on the mortgage market.
Fixed-rate mortgages will remain unaffected by the interest rate hike, which is good newsfor those who have locked in their mortgage rates for a fixed period. However,for those who are looking to remortgage, this could mean an increase in monthlypayments.
Watch YouTube Video Podcast Version: https://youtu.be/iRrL3GRY3-8
The Bank of England's interest rate hike is a response to rising inflation, which has been fuelledby increasing energy costs and supply chain disruptions caused by the pandemic.The aim is to curb inflation and stabilize the economy, but the move could alsoaffect property prices.
The Nationwide just announced the largest fall in house prices since 2009 and said that prices weredown 3.1% on March 2022.
Higher interest rates mean that mortgages will become more expensive, which could lead to adecrease in demand for properties. This could result in a slowdown in theproperty market, as potential buyers may become more cautious about making bigfinancial decisions.
The end of the Help to Buy scheme is also significant for first-time buyers. The scheme has helpedmany people get onto the property ladder by offering government-backed equityloans. From the 1st of April 2023, the scheme will come to an end, which meansthat first-time buyers may find it harder to get on the property ladder.
One alternative option for first-time buyers is the Lifetime ISA, which is a tax-free savingsaccount that can be used to buy a first home or used after age 60 forretirement. The account allows savers to put away up to £4,000 per year, andthe government will top up the account with a 25% bonus - £1,000.
In summary, the Bank of England's interest rate hike will impact the UK property market inseveral ways. Fixed-rate mortgages will remain unaffected, but remortgages,tracker and variable rate mortgages, as well as first-time buyers will be hit.
The end of the Help to Buy scheme could also make it harder for first-time buyers to get onto theproperty ladder. As always, it's essential to seek professional advice beforemaking any financial decisions in the current climate.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #fixedratemortgage #remortgage #firsttimebuyer #helptobuy#mortgagerates #homebuyers #LifetimeISA #variableratemortgage#trackerratemortgage
Last week, the Bank of England announced an interest rate hike of 0.25%, which will have asignificant impact on the UK property market. The change will impact mortgages,remortgages, and first-time buyers, and it comes just in time for the last dayof the Help to Buy scheme.
Join me online on my free live training Wednesday at 8.00PM.Places are limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
Money Tips Podcast guest, Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with LarkinFinancial Services Ltd gives her expert views on the mortgage market.
Fixed-rate mortgages will remain unaffected by the interest rate hike, which is good newsfor those who have locked in their mortgage rates for a fixed period. However,for those who are looking to remortgage, this could mean an increase in monthlypayments.
Watch YouTube Video Podcast Version: https://youtu.be/iRrL3GRY3-8
The Bank of England's interest rate hike is a response to rising inflation, which has been fuelledby increasing energy costs and supply chain disruptions caused by the pandemic.The aim is to curb inflation and stabilize the economy, but the move could alsoaffect property prices.
The Nationwide just announced the largest fall in house prices since 2009 and said that prices weredown 3.1% on March 2022.
Higher interest rates mean that mortgages will become more expensive, which could lead to adecrease in demand for properties. This could result in a slowdown in theproperty market, as potential buyers may become more cautious about making bigfinancial decisions.
The end of the Help to Buy scheme is also significant for first-time buyers. The scheme has helpedmany people get onto the property ladder by offering government-backed equityloans. From the 1st of April 2023, the scheme will come to an end, which meansthat first-time buyers may find it harder to get on the property ladder.
One alternative option for first-time buyers is the Lifetime ISA, which is a tax-free savingsaccount that can be used to buy a first home or used after age 60 forretirement. The account allows savers to put away up to £4,000 per year, andthe government will top up the account with a 25% bonus - £1,000.
In summary, the Bank of England's interest rate hike will impact the UK property market inseveral ways. Fixed-rate mortgages will remain unaffected, but remortgages,tracker and variable rate mortgages, as well as first-time buyers will be hit.
The end of the Help to Buy scheme could also make it harder for first-time buyers to get onto theproperty ladder. As always, it's essential to seek professional advice beforemaking any financial decisions in the current climate.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
interestrates #property #mortgages #fixedratemortgage #remortgage #firsttimebuyer #helptobuy#mortgagerates #homebuyers #LifetimeISA #variableratemortgage#trackerratemortgage
Last week, both the Federal Reserve in the United States andthe Bank of England announced a 0.25% interest rate hike.
This move comesin response to rising inflation and a strengthening economy. While interestrate hikes may be good news for savers, they can also have a significant impacton the mortgage and property market.
Join me online on my free live training Wednesday at 8.00PM.https://bit.ly/3QPp8IH
One of the most immediate impacts of the interest rate hikewill be on fixed-rate mortgages. These mortgages are often preferred by buyersbecause they provide a predictable monthly payment over the life of the loan.However, when interest rates rise, the cost of borrowing increases, which meansthat fixed-rate mortgages will become more expensive. This may make it moredifficult for some buyers to qualify for a mortgage, or force them to adjusttheir budget to afford a higher monthly payment.
Watch video version - https://youtu.be/wgEq0y4X5Xw
The interest rate hike could also impact the demand forhomes. As the cost of borrowing increases, some buyers may decide to hold offon purchasing a home or look for a less expensive property. This could lead toa slowdown in the housing market, which could ultimately impact propertyvalues.
In addition, rising interest rates can also impact therental market. As the cost of borrowing increases, landlords may have to raisetheir rents to cover their increased expenses. This could make it moredifficult for renters to find affordable housing.
Rising interest rates could be good news for savers. Asbanks slowly increase their interest rates, savers may be able to earn a higherreturn on their savings. This could encourage more people to save, which couldultimately help to strengthen the economy.
Inflation is another factor to consider when thinking aboutthe impact of interest rate hikes. As the cost of borrowing increases, so toodoes the cost of goods and services. This can lead to higher inflation, whichcan ultimately impact the economy. However, by raising interest rates, theFederal Reserve and the Bank of England are trying to keep inflation in checkand prevent it from spiralling out of control.
In conclusion, the interest rate hikes announced by theFederal Reserve and the Bank of England this week are likely to have asignificant impact on the mortgage and property market. While fixed-ratemortgages will become more expensive, savers may be able to earn a higherreturn on their savings. The demand for homes may also slow down, which couldimpact property values and the rental market. As always, it is important tomonitor the situation and adjust your financial plan accordingly.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest#costoflivingcrisis #inflation #freetraining #recession #economy#financialfreedom #moneymanagement #moneymakingideas #interestrates#mortgages
Last week, both the Federal Reserve in the United States andthe Bank of England have announced a 0.25% interest rate hike. This move comesin response to rising inflation and a strengthening economy. While interestrate hikes may be good news for savers, they can also have a significant impacton the mortgage and property market.
Join me online on my free live training Wednesday at 8.00PM.https://bit.ly/3QPp8IH
One of the most immediate impacts of the interest rate hikewill be on fixed-rate mortgages. These mortgages are often preferred by buyersbecause they provide a predictable monthly payment over the life of the loan.However, when interest rates rise, the cost of borrowing increases, which meansthat fixed-rate mortgages will become more expensive. This may make it moredifficult for some buyers to qualify for a mortgage, or force them to adjusttheir budget to afford a higher monthly payment.
Watch video version - https://youtu.be/wgEq0y4X5Xw
The interest rate hike could also impact the demand forhomes. As the cost of borrowing increases, some buyers may decide to hold offon purchasing a home or look for a less expensive property. This could lead toa slowdown in the housing market, which could ultimately impact propertyvalues.
In addition, rising interest rates can also impact therental market. As the cost of borrowing increases, landlords may have to raisetheir rents to cover their increased expenses. This could make it moredifficult for renters to find affordable housing.
Rising interest rates could be good news for savers. Asbanks slowly increase their interest rates, savers may be able to earn a higherreturn on their savings. This could encourage more people to save, which couldultimately help to strengthen the economy.
Inflation is another factor to consider when thinking aboutthe impact of interest rate hikes. As the cost of borrowing increases, so toodoes the cost of goods and services. This can lead to higher inflation, whichcan ultimately impact the economy. However, by raising interest rates, theFederal Reserve and the Bank of England are trying to keep inflation in checkand prevent it from spiralling out of control.
In conclusion, the interest rate hikes announced by theFederal Reserve and the Bank of England this week are likely to have asignificant impact on the mortgage and property market. While fixed-ratemortgages will become more expensive, savers may be able to earn a higherreturn on their savings. The demand for homes may also slow down, which couldimpact property values and the rental market. As always, it is important tomonitor the situation and adjust your financial plan accordingly.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest#costoflivingcrisis #inflation #freetraining #recession #economy#financialfreedom #moneymanagement #moneymakingideas #interestrates#mortgages
Another bank bailed out while Paris burns.
3 Steps To Success Money Management! Join me onlineon my free live training Wednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
As expected, Jeremy Hunt’s first budget did little to excite investors andthe property industry.
Watch YouTube video - https://youtu.be/igKUWeiF4W4
With the country still recovering from the events of the last two years andmassive Government debt there was not much money to give away in this budget.Chancellors usually save that for a pre-election budget!
Jeremy Hunt highlighted concerns about the banking sector,following the collapse of America’s Silicon Valley Bank, Signature Bank and a furtherbailout by the US banks, but reassured us that the UK banking industry is safe.
European Central Bank supervisors see no contagion for eurozone banks from recent sector turmoil, a source said on Friday, after U.S.lenders threw First Republic Bank a $30 billion lifeline and tapped recordamounts from the Federal Reserve.
Large U.S. banks on Thursday were forced to rescue theSan Francisco-based lender, which was caught up in market volatility triggeredby the collapse of two other mid-size U.S. banks.
This week, Credit Suisse went ‘cap in hand’ to thecentral for an emergency bank loan of up to $54 billion to shore upits liquidity – banking terms for having no money!
The National Residential Landlords Association described it as missedopportunity to tackle the supply crisis in the private rented sector and theRoyal Institution of Chartered Surveyors (RICS) said it was disappointed by thelack of housing ambition in the budget.
However, the Chancellor did announce 12 new Investment Zones across the UKand relaxed Immigration Rules to help the construction industry cope with staffshortages.
Most of us will be paying more tax in the coming years due to the ‘fiscal drag’caused by tax allowances not rising in line with inflation each year.
Here’s a summary of the main points, but you can read the fullbudget speech at the commons library - https://commonslibrary.parliament.uk/research-briefings/cbp-9748/
Budget main points
· Energycap limiting typical household energy bills to £2,500 a year extended to June
· £200mto bring energy charges for prepayment meters into line with prices forcustomers paying by direct debit - affects 4m households
· LifetimeAllowance – the cap on amount workers can accumulate in pensions savingsover their lifetime before having to pay extra tax (currently £1.07m) to beabolished
· Tax-freeyearly allowance for pension pot to rise from £40,000 to £60,000
Full list on recording.
We are living in turbulent times. Need more help withyour money, finances, or debt?
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how toinvest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest#costoflivingcrisis #inflation #freetraining #recession #economy#financialfreedom #moneymanagement #moneymakingideas #mortgage#interestrates #property #budget #franceriots#parisriots #pension
Another bank bailed out while Paris burns.
3 Steps To Success Money Management! Join me onlineon my free live training Wednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment. https://bit.ly/3QPp8IH
As expected, Jeremy Hunt’s first budget did little to excite investors andthe property industry.
Watch YouTube video - https://youtu.be/igKUWeiF4W4
With the country still recovering from the events of the last two years andmassive Government debt there was not much money to give away in this budget.Chancellors usually save that for a pre-election budget!
Jeremy Hunt highlighted concerns about the banking sector,following the collapse of America’s Silicon Valley Bank, Signature Bank and a furtherbailout by the US banks, but reassured us that the UK banking industry is safe.
European Central Bank supervisors see no contagion for eurozone banks from recent sector turmoil, a source said on Friday, after U.S.lenders threw First Republic Bank a $30 billion lifeline and tapped recordamounts from the Federal Reserve.
Large U.S. banks on Thursday were forced to rescue theSan Francisco-based lender, which was caught up in market volatility triggeredby the collapse of two other mid-size U.S. banks.
This week, Credit Suisse went ‘cap in hand’ to thecentral for an emergency bank loan of up to $54 billion to shore upits liquidity – banking terms for having no money!
The National Residential Landlords Association described it as missedopportunity to tackle the supply crisis in the private rented sector and theRoyal Institution of Chartered Surveyors (RICS) said it was disappointed by thelack of housing ambition in the budget.
However, the Chancellor did announce 12 new Investment Zones across the UKand relaxed Immigration Rules to help the construction industry cope with staffshortages.
Most of us will be paying more tax in the coming years due to the ‘fiscal drag’caused by tax allowances not rising in line with inflation each year.
Here’s a summary of the main points, but you can read the fullbudget speech at the commons library - https://commonslibrary.parliament.uk/research-briefings/cbp-9748/
Budget main points - see recording for full details.
We are living in turbulent times. Need more help withyour money, finances, or debt?
I want to show you how can you:
· Not only survive, but thrive in a recession ordepression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a freetraining webinar.
3 Steps To Success Money Management!
I want to help you get control of your money, learn how toinvest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so registernow below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest#costoflivingcrisis #inflation #freetraining #recession #economy#financialfreedom #moneymanagement #moneymakingideas #mortgage#interestrates #property #budget #franceriots#parisriots #pension
The UK mortgage market is constantly evolving, with new economic factors shaping the landscape. As of the start of 2023, there are several notable updates to the UK mortgage market that potential buyers and homeowners should be aware of.
Interview with Mortgage Advisor Miriam Nawagamuwa CeMAP
Watch full interview video - https://youtu.be/uq8NL21Eubk
One of the biggest changes is the increase in interest rates. The Bank of England has been hiking its base rate since 2021 to 4%, the highest in 14 years. Mortgage rates have risen substantially, making borrowing more expensive. However, there are still competitive rates available for those with good credit scores and larger deposits or equity.
In addition to interest rates, the UK mortgage market is also seeing increased competition among lenders. More and more online-only banks are entering the market, offering lower rates and faster application processes. This is good news for borrowers, given them more options to choose from when shopping for the best mortgage deal.
Stricter lending and affordability checks have been introduced following the Financial Conduct Authority's (FCA) lending review in 2022. Mortgage lenders now consider borrowers' regular expenditure and other financial commitments when assessing affordability. In the past, banks lent based on a simple multiple of salary. The tough new criteria means that some borrowers may find it harder to secure a mortgage or re-mortgage, but ensures that lenders are lending responsibly and not overstretching borrowers.
The lending ‘stress test’ bar has also been raised on buy-to-let mortgages, pushing more investors into higher yielding HMO’s, holiday lets and serviced accommodation.
Regulators do not want a repeat of the 2008 financial crisis largely caused by banks lending recklessly to borrowers with a poor credit history.
Finally, the government's Help to Buy scheme will end in March 2023. This scheme allowed first-time buyers to purchase a home with just a 5% deposit, with the government providing a loan of up to 20% (or 40% in London) of the property value.
Overall, the UK mortgage market is a complex and ever-changing landscape. It's essential for potential buyers and homeowners to keep up to date with the latest developments and to seek professional advice before making any significant financial decisions. With the right knowledge and support, it's possible to navigate the market and secure a mortgage that meets your needs and financial goals.
How to contact Miriam:
Miriam Nawagamuwa CeMAP
Mortgage and Protection Advisor
Larkin Financial Services Ltd
miriam.nawagamuwa@larkinfinancial.co.uk
https://www.larkinfinancial.co.uk
Need more help with your money, finances, or debt?
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
The UK mortgage market is constantly evolving, with new economic factors shaping the landscape. As of the start of 2023, there are several notable updates to the UK mortgage market that potential buyers and homeowners should be aware of.
Interview with Mortgage Advisor Miriam Nawagamuwa CeMAP
Watch full interview video - https://youtu.be/uq8NL21Eubk
One of the biggest changes is the increase in interest rates. The Bank of England has been hiking its base rate since 2021 to 4%, the highest in 14 years. Mortgage rates have risen substantially, making borrowing more expensive. However, there are still competitive rates available for those with good credit scores and larger deposits or equity.
In addition to interest rates, the UK mortgage market is also seeing increased competition among lenders. More and more online-only banks are entering the market, offering lower rates and faster application processes. This is good news for borrowers, given them more options to choose from when shopping for the best mortgage deal.
Stricter lending and affordability checks have been introduced following the Financial Conduct Authority's (FCA) lending review in 2022. Mortgage lenders now consider borrowers' regular expenditure and other financial commitments when assessing affordability. In the past, banks lent based on a simple multiple of salary. The tough new criteria means that some borrowers may find it harder to secure a mortgage or re-mortgage, but ensures that lenders are lending responsibly and not overstretching borrowers.
The lending ‘stress test’ bar has also been raised on buy-to-let mortgages, pushing more investors into higher yielding HMO’s, holiday lets and serviced accommodation.
Regulators do not want a repeat of the 2008 financial crisis largely caused by banks lending recklessly to borrowers with a poor credit history.
Finally, the government's Help to Buy scheme will end in March 2023. This scheme allowed first-time buyers to purchase a home with just a 5% deposit, with the government providing a loan of up to 20% (or 40% in London) of the property value.
Overall, the UK mortgage market is a complex and ever-changing landscape. It's essential for potential buyers and homeowners to keep up to date with the latest developments and to seek professional advice before making any significant financial decisions. With the right knowledge and support, it's possible to navigate the market and secure a mortgage that meets your needs and financial goals.
How to contact Miriam:
Miriam Nawagamuwa CeMAP
Mortgage and Protection Advisor
Larkin Financial Services Ltd
miriam.nawagamuwa@larkinfinancial.co.uk
https://www.larkinfinancial.co.uk
Need more help with your money, finances, or debt?
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
US regulators have taken control of Silicon Valley Bank (SVB) as a liquidity crisis caused to biggest bank failure since the 2008 Crisis.
Watch YouTube video - https://youtu.be/l3D9cerC1to
Join me online on my free live training Wednesday at 8.00PM - register now below to avoid disappointment https://bit.ly/3QPp8IH
The Bank of England said depositors in the UK arm of SVB will be protected up to £85,000 and the US regulators protect depositors up to $250,000.
This will not help firms like Roku which is reported to have had $487 million in SVB.
Here in the UK, the media is concentrating on more far important issues than the failure of America’s 16thlargest bank, Gary Lineker!
The MOTD football presenter, who is paid in excess of £1,000,000 a year for his weekly show, was suspended by the BBC this week after tweeting remarks about the government’s migrant policy. Several other presenters have walked out in sympathy with Lineker wrecking the BBC’s weekend football schedule.
The demise of SVB, which started in 1983 and employs 8500 people, is a sign that higher interest rates and the Fed’s QT policy is starting to bite the economy and that we are not out of the woods.
Key Lessons:
Don’t leave all your eggs in one bank basket. Who knows where your cash is really safe in times of financial crisis?
Be more financially aware.
Learn more about money and how to manage your finances.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #recurringincome #bankfailure #siliconvalleybank #garylineker #football #MOTD #bankcrisis
US regulators have taken control of Silicon Valley Bank (SVB) as a liquidity crisis caused to biggest bank failure since the 2008 Crisis.
Watch YouTube video - https://youtu.be/l3D9cerC1to
Join me online on my free live training Wednesday at 8.00PM - register now below to avoid disappointment https://bit.ly/3QPp8IH
The Bank of England said depositors in the UK arm of SVB will be protected up to £85,000 and the US regulators protect depositors up to $250,000.
This will not help firms like Roku which is reported to have had $487 million in SVB.
Here in the UK, the media is concentrating on more far important issues than the failure of America’s 16thlargest bank, Gary Lineker!
The MOTD football presenter, who is paid in excess of £1,000,000 a year for his weekly show, was suspended by the BBC this week after tweeting remarks about the government’s migrant policy. Several other presenters have walked out in sympathy with Lineker wrecking the BBC’s weekend football schedule.
The demise of SVB, which started in 1983 and employs 8500 people, is a sign that higher interest rates and the Fed’s QT policy is starting to bite the economy and that we are not out of the woods.
Key Lessons:
Don’t leave all your eggs in one bank basket. Who knows where your cash is really safe in times of financial crisis?
Be more financially aware.
Learn more about money and how to manage your finances.
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #recurringincome #bankfailure #siliconvalleybank #garylineker #football #MOTD #bankcrisis
10 Ways To Earn Recurring Income Streams
In these times of economic uncertainty and turmoil, Money Tips looks at ways to generate and earn recurring income streams.
Join me online on my free live training Wednesday at 8.00PM. https://bit.ly/3QPp8IH
-
Rent out property or equipment
-
Invest in dividend-paying stocks or funds
-
Create and sell a product or service on a subscription basis
-
Offer consulting or coaching services
-
Create and sell an online course or e-book
-
Develop and sell a mobile app or website
-
Invest in a franchise or cash flowing business
-
Become an affiliate marketer selling other people’s products
-
Create and sell a physical or digital product on a recurring basis
-
Build and monetize a YouTube or social media following.
Watch video version - https://youtu.be/MvzVRB3_Cac
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #recurringincome
10 Ways To Earn Recurring Income Streams
In these times of economic uncertainty and turmoil, Money Tips looks at ways to generate and earn recurring income streams.
Join me online on my free live training Wednesday at 8.00PM. https://bit.ly/3QPp8IH
-
Rent out property or equipment
-
Invest in dividend-paying stocks or funds
-
Create and sell a product or service on a subscription basis
-
Offer consulting or coaching services
-
Create and sell an online course or e-book
-
Develop and sell a mobile app or website
-
Invest in a franchise or cash flowing business
-
Become an affiliate marketer selling other people’s products
-
Create and sell a physical or digital product on a recurring basis
-
Build and monetize a YouTube or social media following.
Watch video version - https://youtu.be/MvzVRB3_Cac
Need more help with your money, finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #recurringincome
10 Money Management Tips To Get Control Of Your Finances And Start Building Wealth
-
Set financial goals: Set clear and specific financial goals for yourself, whether it's paying off debt, saving for a down payment on a house, retirement or just building an emergency fund.
-
Make a budget: Having a budget is a crucial step in managing your money. Determine your income and expenses, and make sure you are living within your means.
-
Track your spending: Keep a track of your spending by writing down all of your expenses, and regularly review spending to identify areas where you can make savings.
-
Save for emergencies: Saving up an emergency fund is essential for anyone looking to manage their money effectively. It provides a financial safety net in case of unexpected expenses or loss of income.
-
Reduce expensive debt: High-interest consumer debt, such as credit card debt, are a major burden on your finances. Create a plan to pay off your debts as matter of priority.
-
Invest: Investing wisely can help grow your wealth if you are smart. Do your research and invest in assets that align with your goals and risk tolerance.
-
Take advantage of employer/employee benefits: Many employers offer benefits pensions, healthcare, and staff discounts. Take advantage of these schemes to help you save money and manage your finances.
-
Shop around: Whether it’s groceries, clothes or any other item, it's important to shop around for the best deals. Compare prices from different retailers and online marketplaces to ensure you're getting the best deal and value for money.
-
Consider using a financial advisor: A a good independent financial advisor can help you create a financial plan that is tailored to your specific needs and goals. They can also provide valuable advice and guidance on investing, mortgages, insurance and retirement planning.
-
Keep learning: Managing your finances is an ongoing process, and it's important to stay informed and educated about personal finance. Read books, articles, and blogs on the subject, listen to my podcasts and attend financial seminars to continue learning about money.
Watch video on YouTube Channel: https://youtu.be/AVYVXBK1Z8Y
Need more help with your finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #governmenttraining #recruitment
10 Money Management Tips To Get Control Of Your Finances And Start Building Wealth
-
Set financial goals: Set clear and specific financial goals for yourself, whether it's paying off debt, saving for a down payment on a house, retirement or just building an emergency fund.
-
Make a budget: Having a budget is a crucial step in managing your money. Determine your income and expenses, and make sure you are living within your means.
-
Track your spending: Keep a track of your spending by writing down all of your expenses, and regularly review spending to identify areas where you can make savings.
-
Save for emergencies: Saving up an emergency fund is essential for anyone looking to manage their money effectively. It provides a financial safety net in case of unexpected expenses or loss of income.
-
Reduce expensive debt: High-interest consumer debt, such as credit card debt, are a major burden on your finances. Create a plan to pay off your debts as matter of priority.
-
Invest: Investing wisely can help grow your wealth if you are smart. Do your research and invest in assets that align with your goals and risk tolerance.
-
Take advantage of employer/employee benefits: Many employers offer benefits pensions, healthcare, and staff discounts. Take advantage of these schemes to help you save money and manage your finances.
-
Shop around: Whether it’s groceries, clothes or any other item, it's important to shop around for the best deals. Compare prices from different retailers and online marketplaces to ensure you're getting the best deal and value for money.
-
Consider using a financial advisor: A a good independent financial advisor can help you create a financial plan that is tailored to your specific needs and goals. They can also provide valuable advice and guidance on investing, mortgages, insurance and retirement planning.
-
Keep learning: Managing your finances is an ongoing process, and it's important to stay informed and educated about personal finance. Read books, articles, and blogs on the subject, listen to my podcasts and attend financial seminars to continue learning about money.
Watch video on YouTube Channel: https://youtu.be/AVYVXBK1Z8Y
Need more help with your finances or debt?
We are living in challenging economic times.
I want to show you how can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #governmenttraining #recruitment
Property prices are tumbling in the US, Germany, Sweden, Denmark and the UK.
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar CLICK - https://bit.ly/3QPp8IH
Higher interest rates and borrowing costs are hitting the property market across the globe.
The FT reports that there will be a global property meltdown this year, especially in overheated markets like Canada and New Zealand.
Watch video: https://youtu.be/WuYN_qSY6s8
The property market in China is now at the slowest pace since records began in 1992 – down 26% last year.
Home prices in several US cities are crashing, following a recording boom from 2020-22, including Houston, Sacramento and Las Vegas.
The cost of a 30-year fixed rate mortgage hit 7% recently, more than double the rate in 2022 and the highest since 2008.
Mortgage demand in the US is at its lowest for 25 years and house sales fell by a quarter last year.
Denmark has suffered the biggest fall in a decade, where house prices fell 3.8% in the third quarter of 2022 despite an interest rate of 1.75%, according to Yahoo Finance. In neighbouring Sweden, house prices have crashed by 20% in the last five months, say Yahoo.
Prices have fallen for the fifth consecutive month in the UK, where fixed mortgage rates reached 6% last year pushing affordability beyond the reach of average buyers.
Average property prices are close to ten times average incomes and much higher in parts of London and the south east of England.
Renters are also leaving London in droves to escape unaffordable rents and in search of cheaper properties to buy.
The Bank of England increased base lending rates by 0.5% last week to 3.5% in a bid to control the inflation their actions largely caused.
UK mortgage rates fall below 4%
Virgin and HSBC are offering fixed rates at 3.00% as lenders slash rates to stimulate demand. However, the headline rates required a 40% deposit and are usually for residential mortgages as opposed to buy-to-let loans.
Experts believe the property market will fall this year, but not at the same rate as in Sweden and Denmark.
Despite demand for housing in the UK, prices in popular areas are unaffordable and will have to come down unless the market simply stagnates. Transactions are down by 30% and buyer enquiries are at the lowest level since 2008 (excluding 2020).
Like the overheated stock markets, property markets regularly go through a 10-12-year boom and bust cycle. The current boom has been fuelled by an unsustainable central bank money printing on an industrial scale since the 2008 financial crash.
Happy Valentines Day!
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
Property prices are tumbling in the US, Germany, Sweden, Denmark and the UK.
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar CLICK - https://bit.ly/3QPp8IH
Higher interest rates and borrowing costs are hitting the property market across the globe.
The FT reports that there will be a global property meltdown this year, especially in overheated markets like Canada and New Zealand.
Watch video: https://youtu.be/WuYN_qSY6s8
The property market in China is now at the slowest pace since records began in 1992 – down 26% last year.
Home prices in several US cities are crashing, following a recording boom from 2020-22, including Houston, Sacramento and Las Vegas.
The cost of a 30-year fixed rate mortgage hit 7% recently, more than double the rate in 2022 and the highest since 2008.
Mortgage demand in the US is at its lowest for 25 years and house sales fell by a quarter last year.
Denmark has suffered the biggest fall in a decade, where house prices fell 3.8% in the third quarter of 2022 despite an interest rate of 1.75%, according to Yahoo Finance. In neighbouring Sweden, house prices have crashed by 20% in the last five months, say Yahoo.
Prices have fallen for the fifth consecutive month in the UK, where fixed mortgage rates reached 6% last year pushing affordability beyond the reach of average buyers.
Average property prices are close to ten times average incomes and much higher in parts of London and the south east of England.
Renters are also leaving London in droves to escape unaffordable rents and in search of cheaper properties to buy.
The Bank of England increased base lending rates by 0.5% last week to 3.5% in a bid to control the inflation their actions largely caused.
UK mortgage rates fall below 4%
Virgin and HSBC are offering fixed rates at 3.00% as lenders slash rates to stimulate demand. However, the headline rates required a 40% deposit and are usually for residential mortgages as opposed to buy-to-let loans.
Experts believe the property market will fall this year, but not at the same rate as in Sweden and Denmark.
Despite demand for housing in the UK, prices in popular areas are unaffordable and will have to come down unless the market simply stagnates. Transactions are down by 30% and buyer enquiries are at the lowest level since 2008 (excluding 2020).
Like the overheated stock markets, property markets regularly go through a 10-12-year boom and bust cycle. The current boom has been fuelled by an unsustainable central bank money printing on an industrial scale since the 2008 financial crash.
Happy Valentines Day!
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
Expert Insight: Gavin Rubenstein Discusses His Approach to Overcoming Anxiety Through Hypnotherapy and NLP
Exploring the Power of Hypnotherapy and NLP with Anxiety Expert Gavin Rubenstein
Watch video - https://youtu.be/cB9PhKZfjUk
To contact Gavin visit - www.gmrhypnotherapy.com
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #property #interestrates #hypnotherapy #NLP #anxiety
Expert Insight: Gavin Rubenstein Discusses His Approach to Overcoming Anxiety Through Hypnotherapy and NLP
Exploring the Power of Hypnotherapy and NLP with Anxiety Expert Gavin Rubenstein
Watch video - https://youtu.be/cB9PhKZfjUk
To contact Gavin visit - www.gmrhypnotherapy.com
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #property #interestrates #hypnotherapy #NLP #anxiety
Central banks in the US, UK, and EU have recently raised base interest rates in response to rising inflation. In the UK and EU, interest rates have gone up by 0.5%, while in the US, they have increased by 0.25%. This move by central banks is aimed at combatting inflation and maintaining the stability of the economy.
Watch video on my YouTube Channel: https://youtu.be/LTDcwj9msgI
Inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When inflation rises, it erodes the purchasing power of money, making it more expensive to buy the same goods and services. Central banks raise interest rates as a means of slowing down economic growth, reducing inflation, and maintaining the stability of the economy.
Higher interest rates have already had a massive impact on borrowers and savers. For borrowers, such as those with mortgages, personal loans, or credit cards, higher interest rates can mean higher monthly payments and increased debt. On the other hand, savers benefit from higher interest rates as they earn more interest on their savings deposits.
The recent interest rate hike by central banks is likely to have an impact on the stock market and the real estate market. Higher interest rates make borrowing more expensive, which can slow down economic growth and reduce consumer spending. This can lead to a decrease in the demand for stocks, potentially leading to a decline in stock prices. In the real estate market, higher interest rates can increase the cost of borrowing, which can slow down the pace of home buying and reduce demand for homes.
In conclusion, the recent interest rate hike by central banks in the US, UK, and EU is aimed at combatting inflation and maintaining the stability of the economy. It is important for both borrowers and savers to be aware of the potential impact of these interest rate increases and adjust their financial strategies accordingly.
Hundreds of thousands of UK mortgage borrowers are reaching the end of fixed rate deals each month. Many will face difficulty paying much higher rates and some will not even qualify for a new rate under the lender’s ‘affordability’ criteria based on higher payments.
If you are experiencing difficulty in keeping up with your mortgages, loans or credit cards, there are a number of steps you can take.
-
Firstly, talk to your lender and explain the situation, rather than waiting for them to chase you.
-
Secondly, you can ask the lender to temporarily switch your loan to interest only or a cheaper rate.
-
Set up a plan to clear or reduce your higher interest debts, like credit cards.
-
Finally, you can talk to regulated debt advisory firms or charities to negotiate with your creditors.
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
Central banks in the US, UK, and EU have recently raised base interest rates in response to rising inflation. In the UK and EU, interest rates have gone up by 0.5%, while in the US, they have increased by 0.25%. This move by central banks is aimed at combatting inflation and maintaining the stability of the economy.
Watch video on my YouTube Channel: https://youtu.be/LTDcwj9msgI
Inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When inflation rises, it erodes the purchasing power of money, making it more expensive to buy the same goods and services. Central banks raise interest rates as a means of slowing down economic growth, reducing inflation, and maintaining the stability of the economy.
Higher interest rates have already had a massive impact on borrowers and savers. For borrowers, such as those with mortgages, personal loans, or credit cards, higher interest rates can mean higher monthly payments and increased debt. On the other hand, savers benefit from higher interest rates as they earn more interest on their savings deposits.
The recent interest rate hike by central banks is likely to have an impact on the stock market and the real estate market. Higher interest rates make borrowing more expensive, which can slow down economic growth and reduce consumer spending. This can lead to a decrease in the demand for stocks, potentially leading to a decline in stock prices. In the real estate market, higher interest rates can increase the cost of borrowing, which can slow down the pace of home buying and reduce demand for homes.
In conclusion, the recent interest rate hike by central banks in the US, UK, and EU is aimed at combatting inflation and maintaining the stability of the economy. It is important for both borrowers and savers to be aware of the potential impact of these interest rate increases and adjust their financial strategies accordingly.
Hundreds of thousands of UK mortgage borrowers are reaching the end of fixed rate deals each month. Many will face difficulty paying much higher rates and some will not even qualify for a new rate under the lender’s ‘affordability’ criteria based on higher payments.
If you are experiencing difficulty in keeping up with your mortgages, loans or credit cards, there are a number of steps you can take.
-
Firstly, talk to your lender and explain the situation, rather than waiting for them to chase you.
-
Secondly, you can ask the lender to temporarily switch your loan to interest only or a cheaper rate.
-
Set up a plan to clear or reduce your higher interest debts, like credit cards.
-
Finally, you can talk to regulated debt advisory firms or charities to negotiate with your creditors.
Learn more about getting control of your finances using my 3-Step Money Management Formula on my free training webinar.
If you’re struggling or worrying right now, I want to show you:
· 3 Steps to get control of your finances and spending and not only survive, but thrive in a recession or depression?
Join me online on my free live training Wednesday at 8.00PM.
Places are limited, so register now below to avoid disappointment. Act now and take advantage of this limited time offer.
https://bit.ly/3QPp8IH
Average rents and house prices were still rising late last year, according to official data, although experts a property market slowdown in 2023.
Join me online on my free live training Wednesday at 7.30PM. Places are limited, so register now below to avoid disappointment - https://bit.ly/3QPp8IH
Private rental properties owned by private landlords increased at the highest level since comparable records began seven years ago, figures reveal.
House prices were still rising in the year to November 9but falling month on month), but the Office for National Statistics (ONS) said the pace of growth slowed.
Watch video version on my YouTube channel - https://youtu.be/mc8_fWf0R_c
Private rental prices in the UK rose by 4.2% in the year to December.
Other figures from the ONS showed that property prices increased by 10.3% in the year to November, slowing from 12.4% in October 2022.
· A 10.9% annual increase in England
· A 10.7% rise in Wales
· A 5.5% jump in Scotland and 10.7% growth in Northern Ireland.
England’s prices increased the most in the northwest, up 13.5% over the year, and the slowest in London, a 6.3% increase.
The average UK house price in November was £295,000 - £28,000 higher than a year earlier, a decrease from the previous month's record high of £296,000.
Home buyers have been hit by the rise in mortgage costs as the Bank of England raised base rates during 2022.
The average cost of two-year fixed-rate mortgage has stated to fall since last year’s market turmoil following the mini-budget, but far higher than the start of last year.
The ONS report that hundreds of thousands of UK homeowners face higher mortgage costs when their current fixed-rate deal expires this year.
More than 1.4 million households will be renewing their fixed-rate mortgage in 2023 - 57% of them currently paying an interest rate of less than 2%.
A ‘ fixed-rate renewal peak’ between April and June 2023 will hit 371,000 mortgage holders when their deals expire.
George Osbourne’s buy-to-let tax hike and increased legislation has led to 85,000 private landlords quitting the property rental market in the last 5 years – see https://youtu.be/NME3nEu8dAQ.
Although oil and gas prices have come down in recent months, millions of people are still facing a cost of living and have no savings.
Watch YouTube video - https://youtu.be/mPvjb6MN7To
How can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
I want to take you to the next level, help you get control of your money and become financially free.
Join me online on my free live training Wednesday at 7.30PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Average rents and house prices were still rising late last year, according to official data, although experts a property market slowdown in 2023.
Join me online on my free live training Wednesday at 7.30PM. Places are limited, so register now below to avoid disappointment - https://bit.ly/3QPp8IH
Private rental properties owned by private landlords increased at the highest level since comparable records began seven years ago, figures reveal.
House prices were still rising in the year to November 9but falling month on month), but the Office for National Statistics (ONS) said the pace of growth slowed.
Private rental prices in the UK rose by 4.2% in the year to December.
Private landlords have been hit by tax and mortgage rate rises, as well as increased compliance costs, which some are passing on to tenants.
The average tenant spends more proportionally on housing costs than homeowners do, and rents are usually higher than a typical first-time buyer mortgage.
Other figures from the ONS showed that property prices increased by 10.3% in the year to November, slowing from 12.4% in October 2022.
· A 10.9% annual increase in England
· A 10.7% rise in Wales
· A 5.5% jump in Scotland and 10.7% growth in Northern Ireland.
England’s prices increased the most in the northwest, up 13.5% over the year, and the slowest in London, a 6.3% increase.
The average UK house price in November was £295,000 - £28,000 higher than a year earlier, a decrease from the previous month's record high of £296,000.
Home buyers have been hit by the rise in mortgage costs as the Bank of England raised base rates during 2022.
The average cost of two-year fixed-rate mortgage has stated to fall since last year’s market turmoil following the mini-budget, but far higher than the start of last year.
The ONS report that hundreds of thousands of UK homeowners face higher mortgage costs when their current fixed-rate deal expires this year.
More than 1.4 million households will be renewing their fixed-rate mortgage in 2023 - 57% of them currently paying an interest rate of less than 2%.
A ‘ fixed-rate renewal peak’ between April and June 2023 will hit 371,000 mortgage holders when their deals expire.
George Osbourne’s buy-to-let tax hike and increased legislation has led to 85,000 private landlords quitting the property rental market in the last 5 years – see https://youtu.be/NME3nEu8dAQ.
Although oil and gas prices have come down in recent months, millions of people are still facing a cost of living and have no savings.
Watch YouTube video - https://youtu.be/mPvjb6MN7To
How can you:
· Not only survive, but thrive in a recession or depression?
· Get control of your finances and spending?
· Save and invest for your future?
· Learn about money and finance?
To help you, I am running a free training webinar.
I want to take you to the next level, help you get control of your money and become financially free.
Join me online on my free live training Wednesday at 7.30PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
How To Get Control Of Your Money And Become Financially Free In Challenging Times Without Pain
We are living through the most challenging times in 40 years.
· Recession
· Inflation
· Higher interest rates
· War and conflict
Millions of people are facing a cost of living and have no savings
Watch YouTube video - https://youtu.be/mPvjb6MN7To
Rising rents and mortgage costs, electricity being cut off!
How can you:
Not only survive, but thrive in a recession or depression?
Get control of your finances and spending?
Save and invest for your future?
Learn about money and finance?
To help you, I am running a free training webinar.
I want to take you to the next level, help you get control of your money and become financially free.
Join me online on my free live training Wednesday at 7.30PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
money #savings #invest #costoflivingcrisis #inflation #freetraining #interestrates #recession #economy #financialfreedom
Whitney Houston Discovered That Getting Rich And Staying Rich Are Two Different Skills
The Whitney Houston biopic, ‘I Wanna Dance With Somebody’, shows how making money and getting rich are not enough to stay rich.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
Whitney Houston was the biggest female star of her time selling millions of records and selling out shows all over the world, but nearly went broke because left the management of her financial affairs to her Father who frittered millions of dollars away on private jets, hangers on and high living.
Many other stars have made and lost a fortune, which I talk about in my books.
It’s a lesson for all of us.
Watch YouTube video channel - https://youtu.be/17b_PkIyq-s
It doesn’t matter how much money you make, you will never be financially free without proper money management.
Learn how to manage your finances in 28 days, without pain.
In my S.M.A.R.T MONEY course I teach five principles of managing and making money.
For more information see my free Master Your Money the S.M.A.R.TWay training. Check it out - https://bit.ly/3isugCr.
money #business #whitneyhouston #iwannadancewithsomebody #moneymanagement #smartmoney #freemoneytraining #financialfreedom #getrich #stayrich #moneycanyouhappiness
Whitney Houston Discovered That Getting Rich And Staying Rich Are Different Skills
The Whitney Houston biopic, ‘I Wanna Dance With Somebody’, shows how making money and getting rich are not enough to stay rich.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
Whitney Houston was the biggest female star of her time selling millions of records and selling out shows all over the world, but nearly went broke because left the management of her financial affairs to her Father who frittered millions of dollars away on private jets, hangers on and high living.
Many other stars have made and lost a fortune, which I talk about in my books.
It’s a lesson for all of us.
Watch YouTube video channel - https://youtu.be/17b_PkIyq-s
It doesn’t matter how much money you make, you will never be financially free without proper money management.
Learn how to manage your finances in 28 days, without pain.
In my S.M.A.R.T MONEY course I teach five principles of managing and making money.
For more information see my free Master Your Money the S.M.A.R.TWay training. Check it out - https://bit.ly/3isugCr.
money #business #whitneyhouston #iwannadancewithsomebody #moneymanagement #smartmoney #freemoneytraining #financialfreedom #getrich #stayrich #moneycanyouhappiness
The average house price in the UK fell for the fourth month in a row in December as prices plummeted by 1.5% compared to November - the average house price is now £281,272, according to Halifax.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
December's decline was not as high the 2.4% drop in November.
Annually, house prices grew by just 2% compared with December 2021 - down from 4.6% annual increase recorded in November – and the slowest rise since October 2019 when prices were going up by 1.1%.
See YouTube video on Charles Kelly Money Tips Podcast - https://youtu.be/BeGsYCvuLL8
Mortgage approvals unsurprisingly declined to their lowest level in two years as interest rate rises deterred buyers, new Bank of England figures find.
Mortgage approval lending slumped to just 46,000 in November, down from under 58,000 in October, the BOE reports.
Home-buyers and buy-to-let investors were put off by a massive rise in mortgage interest rates following a succession of base rate hikes designed to curb soaring inflation.
Rates have gone up nine times since December 2021 to 3.5%, the highest level in 14 years.
The average 5-year fixed rate mortgage rate recently reached just under 6% hitting 100,000 per month with higher payments of up to three times their previously deal.
Economists and experts have predicted that already depressed house prices could further fall by up anything from 10% to 20% in 2023.
Bank of England figures also reveal that people are borrowing more on credit cards - up by £1.2bn - as cost of living pressures continue to hammer household and business budgets.
Despite higher rates, householders increased mortgage borrowing against their homes by an additional £4.4bn in November.
UPDATE ON MTD
Good news for business. Making Tax Digital and quarterly reporting bureaucracy changes for self-employed will be postponed for two years until 2026, HMRC has announced.
See also:
See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
Toronto Property Market Explained By Luc Lising One Of Canada’s Top Realtors - Watch full video interview - https://youtu.be/lldv5gL1GaQ
What Are You Doing Today To Make Your Life Better Tomorrow?
Watch video version on my YouTube channel - https://youtu.be/G8_SKQgGisI
The UK Prime Minister Rishi Sunak wants to force children to study mathematics until 18, but they should be teaching them about finance, mortgages, investing and pensions.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian #MTD #HMRX #Tax
The average house price in the UK fell for the fourth month in a row in December as prices plummeted by 1.5% compared to November - the average house price is now £281,272, according to Halifax.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
December's decline was not as high the 2.4% drop in November.
Annually, house prices grew by just 2% compared with December 2021 - down from 4.6% annual increase recorded in November – and the slowest rise since October 2019 when prices were going up by 1.1%.
See YouTube video on Charles Kelly Money Tips Podcast - https://youtu.be/BeGsYCvuLL8
Mortgage approvals unsurprisingly declined to their lowest level in two years as interest rate rises deterred buyers, new Bank of England figures find.
Mortgage approval lending slumped to just 46,000 in November, down from under 58,000 in October, the BOE reports.
Home-buyers and buy-to-let investors were put off by a massive rise in mortgage interest rates following a succession of base rate hikes designed to curb soaring inflation.
Rates have gone up nine times since December 2021 to 3.5%, the highest level in 14 years.
The average 5-year fixed rate mortgage rate recently reached just under 6% hitting 100,000 per month with higher payments of up to three times their previously deal.
Economists and experts have predicted that already depressed house prices could further fall by up anything from 10% to 20% in 2023.
Bank of England figures also reveal that people are borrowing more on credit cards - up by £1.2bn - as cost of living pressures continue to hammer household and business budgets.
Despite higher rates, householders increased mortgage borrowing against their homes by an additional £4.4bn in November.
UPDATE ON MTD
Good news for business. Making Tax Digital and quarterly reporting bureaucracy changes for self-employed will be postponed for two years until 2026, HMRC has announced.
See also:
See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
Toronto Property Market Explained By Luc Lising One Of Canada’s Top Realtors - Watch full video interview - https://youtu.be/lldv5gL1GaQ
What Are You Doing Today To Make Your Life Better Tomorrow?
Watch video version on my YouTube channel - https://youtu.be/G8_SKQgGisI
The UK Prime Minister Rishi Sunak wants to force children to study mathematics until 18, but they should be teaching them about finance, mortgages, investing and pensions.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian #MTD #HMRX #Tax
Toronto Property Market Explained By Luc Lising One Of Canada’s Top Realtors
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
In this exclusive interview with 22-year-old Canadian-Filipino Luc covers:
· Why buying in a property downturn is the best time for opportunities.
· The advantages of buying off-plan new build condos in the GTA.
· Government ban foreign property investors.
· What you MUST do to be successful.
· The importance of having a mentor.
· Don’t meditate on work, just work!
· Simple businesses that work!
Watch full video interview - https://youtu.be/lldv5gL1GaQ
The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.
House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.
See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
In this exclusive interview with 22-year-old Canadian-Filipino Luc covers:
· Why buying in a property downturn is the best time for opportunities.
· The advantages of buying off-plan new build condos in the GTA.
· Government ban foreign property investors.
· What you MUST do to be successful.
· The importance of having a mentor.
· Don’t meditate on work, just work!
· Simple businesses that work!
Watch full video interview - https://youtu.be/lldv5gL1GaQ
The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.
House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.
See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian
What Are You Doing Today To Make Your Life Better Tomorrow?
Hey! What have you been up to today?
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
In some countries today is a public holiday.
Are you relaxing or working on yourself, your dreams and goals for this new year?
We know that 2023 will bring some economic challenges: falling property prices, recession, higher interest rates and inflation.
But we humans are extremely adaptable and innovative – that’s how we’ve survived so long a species!
Watch videoversion on my YouTube channel - https://youtu.be/G8_SKQgGisI
Challenges bring opportunity to those who have the right mindset to see and act on them.
There will be many opportunities to make money in the property and stock market in the coming year.
There has never been a better time to launch a money-making side hustle or online business that could lead to you quitting the rat race.
You can also adapt and change to make 2023 your best year ever! - https://youtu.be/MtjrNNXHM5k
“Let 2023 bring out the greatness in me.”
Les Brown
We all have the potential within ourselves to be more, do more and live our lives to the full.
Reflection
· How was 2022 for you?
· Did you achieve your goals?
· What are your financial goals for 2023 and how do you plan to achieve them?
Thanks for your support, likes and comments. I wish you all a great new year!
For more tips and money-making ideas and coaching to help you this year, see Master Your Money the S.M.A.R.TWay training.
Check it out for free - https://bit.ly/3isugCr.
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates
Hey! What have you been up to today?
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
In some countries today is a public holiday.
Are you relaxing or working on yourself, your dreams and goals for this new year?
We know that 2023 will bring some economic challenges: falling property prices, recession, higher interest rates and inflation.
But we humans are extremely adaptable and innovative – that’s how we’ve survived so long a species!
Watch videoversion on my YouTube channel - https://youtu.be/G8_SKQgGisI
Challenges bring opportunity to those who have the right mindset to see and act on them.
There will be many opportunities to make money in the property and stock market in the coming year.
There has never been a better time to launch a money-making side hustle or online business that could lead to you quitting the rat race.
You can also adapt and change to make 2023 your best year ever! - https://youtu.be/MtjrNNXHM5k
“Let 2023 bring out the greatness in me.”
Les Brown
We all have the potential within ourselves to be more, do more and live our lives to the full.
Reflection
· How was 2022 for you?
· Did you achieve your goals?
· What are your financial goals for 2023 and how do you plan to achieve them?
Thanks for your support, likes and comments. I wish you all a great new year!
For more tips and money-making ideas and coaching to help you this year, see Master Your Money the S.M.A.R.TWay training.
Check it out for free - https://bit.ly/3isugCr.
property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates
UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.
House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
Full notes at www.moneytipsdaily.com
Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.
As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!
Your goals for 2023
· How was 2022 for you?
· Did you achieve your goals?
· What are your financial goals for 2023 and how do you plan to achieve them?
I wish you a happy and successful new year!
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.
Check it out for free - https://bit.ly/3isugCr.
UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?
With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.
House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.
Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg
Full notes at www.moneytipsdaily.com
Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.
As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!
Your goals for 2023
· How was 2022 for you?
· Did you achieve your goals?
· What are your financial goals for 2023 and how do you plan to achieve them?
I wish you a happy and successful new year!
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.
Check it out for free - https://bit.ly/3isugCr.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
As we enter the Christmas season and that break for most people between Christmas and New Year, it’s a perfect time to sit back and reflect on the year gone by.
· How was 2022 for you?
· Did you reach your goals?
· If not, did you reach milestones?
· Did your wealth go up or down?
· Has your income increased?
It’s also a good time to think about what you can do to make 2023 your most successful year ever.
Watch YouTube video: https://youtu.be/MtjrNNXHM5k
Despite all the doom and gloom, recession and inflation, there are always opportunities.
Falling house prices, potential stock market crash and a shortage of labour are just three of the many opportunities there right now to increase your wealth.
Think about your goals, aims and ambitions for the coming year and write them down.
· How can you improve your life and happiness?
· How can you increase your income?
· How can you save more money?
· How can you manage your budget?
· How can you increase your financial knowledge to make better investment choices?
It’s never too late to learn how to make more money, save and invest to increase your wealth over time.
That’s why I’m including a link to my free training to help you manage your money the smart way.
Make 2023 your best year ever!
Remember this moment as the moment you decided to change your life forever. Make the rest of your life the best of your life
Charles Kelly Money Tips Podcast wishing you a Merry Christmas and a happy New Year to you and all your family.
See also:
- Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVx
- Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords -https://youtu.be/mYhJSCbOGLE
- 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU
The rich and successful have coaches and mentors, and never stop learning.
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.
tax #property #capitalgainstax #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #makingtaxdigital #richhabits #successhabits #richpeople #wealth #debt #goals #plans #interestrates
Interest rates rise again to highest level in 14 years pushing the economy and property market deeper into recession…
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
The three main Central banks raised interest this week, with the Bank of England hiking rates by .5% to 3.5%.Hey, do you think they might be colluding? 😊
Watch video version: https://youtu.be/WCmTLiUlra0
UK interest rates are now at the highest level for 14 years and it is the ninth time in a row that the Bank of England has put up base lending rates, despite a small fall in inflation to 10.7% in November.
The bank has set a ludicrous 2% target inflation rate but is using a sledgehammer to crack a nut.
The Federal reserve, ECB and Bank of England are hellbent on driving the world into recession in order to keep down inflation, which they caused with their money printing policies.
The Fed and Bank of England were both asleep at the wheel in 2008 which caused the financial crash.
Taxpayers in the UK were forced to bail out their friends in the banks.
Then they printed money with a stimulus on a scale never seen before in history, which, surprise surprise, has caused the highest level of inflation since the 1980s.
Now they are aggressively raising interest rates and driving economy into recession.
The Bank of England “predicted” that we were going to the worst recession on history, and then proceeded to make it happen. A self-fulfilling prophecy!
Stock markets fell this week, crypto is in turmoil and property asking prices and dropping.
We can’t do much about these faceless suits, but we can manage and grow our own economy.
Like the Kenny Rogers song says:
You’ve Gotta know when to hold ‘em,
Know when to fold em,
Know when to walk away,
And know when to run!
In other words, you need to understand how money and the markets work so you can make educated moves.
Watch Video - https://youtu.be/WCmTLiUlra0
See also:
- Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVx
- Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords -https://youtu.be/mYhJSCbOGLE
- 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU
The rich and successful have coaches and mentors, and never stop learning.
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.
tax #property #capitalgainstax #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #makingtaxdigital #richhabits #successhabits #richpeople #wealth #debt #goals #plans #interestrates #crypto
36 Rich Habits Followed By Wealthy And Successful People Part 2
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
These are the Rich Habits followed by the wealthy and successful people, and mentors, I have observed.
-
They have a daily routine.
-
They work hard, and smart.
-
They wake up early.
-
They read books.
-
They keep learning.
-
They are good listeners.
-
They work out and exercise.
-
They eat well and stay healthy.
-
They are disciplined in their lives.
-
They manage their money.
-
They make their money work hard for them.
-
They manage their time.
-
They believe time is money.
-
They avoid procrastination.
-
They avoid negative or toxic people.
-
They are organised and dependable.
-
They make time work for them rather than exchanging time for money.
-
They value family and home life and spend quality time with the family.
-
They are usually nice, personable or likeable people.
-
They are generous, give back through ‘giving’ and charities.
-
They have a strong magnetism, charisma and energy field.
-
They have a relaxed, calm and self-assured manner or energy.
-
They are leaders in one form or another and lead by example.
-
They get along with people and work well in or build a team around them.
Watch video on YouTube Channel: https://youtu.be/UKidabRupUU
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
36 Rich Habits Followed By Wealthy And Successful People Part 2
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
These are the Rich Habits followed by the wealthy and successful people, and mentors, I have observed.
-
They have a daily routine.
-
They work hard, and smart.
-
They wake up early.
-
They read books.
-
They keep learning.
-
They are good listeners.
-
They work out and exercise.
-
They eat well and stay healthy.
-
They are disciplined in their lives.
-
They manage their money.
-
They make their money work hard for them.
-
They manage their time.
-
They believe time is money.
-
They avoid procrastination.
-
They avoid negative or toxic people.
-
They are organised and dependable.
-
They make time work for them rather than exchanging time for money.
-
They value family and home life and spend quality time with the family.
-
They are usually nice, personable or likeable people.
-
They are generous, give back through ‘giving’ and charities.
-
They have a strong magnetism, charisma and energy field.
-
They have a relaxed, calm and self-assured manner or energy.
-
They are leaders in one form or another and lead by example.
-
They get along with people and work well in or build a team around them.
Watch video on YouTube Channel: https://youtu.be/UKidabRupUU
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
These are the Rich Habits followed by the wealthy and successful people, and mentors, I have observed.
-
They have a daily routine.
-
They work hard, and smart.
-
They wake up early.
-
They read books.
-
They keep learning.
-
They are good listeners.
-
They work out and exercise.
-
They eat well and stay healthy.
-
They are disciplined in their lives.
-
They manage their money.
-
They make their money work hard for them.
-
They manage their time.
Do you have a vision for your life?
Do you have clear, written goals and a plan for achieving them?
Mind your business
Your mind is your business!
What are you putting into your mind?
What are you feeding your mind?
What books are you reading?
How many books have you read this year?
How are you investing in yourself?
What podcasts are you listening to?
What courses and learning are you taking?
Who are you watching and listening to?
Who are you surrounding yourself with?
What do you understand by debt?
Do you know the difference between a credit card and a debit card?
Do you have a plan to get out of debt?
Do you have a plan to build long-term wealth?
Do you have a coach or mentor?
See also:
- Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVx
- Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords -https://youtu.be/mYhJSCbOGLE
- 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU
The rich and successful have coaches and mentors, and never stop learning.
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.
tax #property #capitalgainstax #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #makingtaxdigital #richhabits #successhabits #richpeople #wealth #debt #goals #plans
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
The UK government giving out billions in grants to homeowners to cut energy costs – including installing insulation and even solar panels.
But one type of insulation, spray foam, could make your home value go to “zero”, according to surveyors and property valuers for mortgages.
BBC reported that one couple had their property valued at “zero” by a lender’s surveyor due to spray foam in the loft.
DO NOTinstal Spray Foam Insulation!
Watch YouTube Video - https://youtu.be/_xzFi-Y8wRo
House Prices Saw Biggest Drop In 14 Years, Halifax Report Reveals
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
UK house prices suffered their biggest drop in 14 years in November, falling by 2.3%, according to the largest mortgage lender The Halifax.
At the same time, London rental prices have soared 17% or £273 per month in the last year, according to Zoopla.
Other large regional cities have seen similar increases, including Manchester, up 15.6%, Birmingham (12.3%), Glasgow (14.1%), Bristol (12.9%) and Sheffield (2.4%).
The average rent for new lets soared by £117 per month since last year, reaching £1,078 per calendar month.
Rental growth now stands at 12% per year, twice the growth in earnings and accounting for over a third of average earnings for a single person.
People Out Spending Despite Recession
London has been packed with shoppers and visitors splashing their cash.
More Money Tips Episodes:
Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVxLA
Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords -https://youtu.be/mYhJSCbOGLE
For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation #tax #section24 #buytoletlandlrd #propertyinvestor #Zoopla #rents
For more tips and money-making ideas see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.
Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax.
Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden.
Watch video versionon my YouTube channel - https://youtu.be/mtGq7WaVxLA
It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch’.
The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs.
With the right advice you can legally create a tax-free pot of money!
If you are a landlordor property investor with three or more properties in your own name and would like to save tax email or message me.
Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ
Personal Debt Soaring Citizens Advice warns
Half Citizens Advice clients are falling behind with debt payments and budget.
See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU
The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women.
The credit report company Clearscore reports data which shows a 7.1% increase in the use of expensive overdrafts since 2021.
National Energy Action expects the number of UK households in fuel poverty to increase from 4.5 million last October to 8.4 million in April.
If you are struggling with debt there is help available through charities like Citizens Advice and Stepchange: See - https://www.stepchange.org
You may also be able to reduce debt repayments or even write off all or most of your debts with the right professional advice. Email or message me.
Recessions create opportunities to make money and build a fortune if you have the correct mindset.
For more ideas and tips, see out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
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85,000 Buy-to-Let Landlords Quit Property Rental Market
For more tips and money-making ideas see my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
· In the last 5 years, 85,000 landlords have quit the rental property market!
· Government red tape, planned legislation, increased costs and tax changes are to blame.
· Now they must contend with higher mortgage rates and the end to ‘no fault evictions.
· Demand for rental properties up 14%, some areas by 200% rise in enquiries say Rightmove.
· Available properties to rent dropped 35% in the last year, according to BBC report.
A quarter of UK adults have less than £100 in savings, according to a survey by the Money and Pensions Service.
Watch YouTube video version - https://youtu.be/NME3nEu8dAQ
The research found that 17% have NOTHING set aside, 5% have less than £50 and 4% between £50 and £100 in savings.
As the cost-of-living soars, the figures predict that millions of Britons living in one of the richest countries in the world have no savings.
The Bank of England warns that the UK will enter the longest recession ever, as they raised interest rates by the highest level since 1989 to help fulfil their own prophecy.
Recessions create opportunities to make money and build a fortune if you have the correct mindset.
For more ideas and tips, see out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation
House prices suffer biggest fall for 2 years as higher mortgage rates hit affordability.
Pensions fall by up to 40%! Time to learn how to manage your own money. Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr
UK house prices saw their worst monthly drop for over two years in November as rising interest rates slowed down the property market, the Nationwide has said.
· Prices fell by 1.4% from October 2022 - the largest month-on-month fall since June 2020.
· Annual house price growth saw a "sharp slowdown", the Nationwide building society figures revealed, plummeting to 4.4% from 7.2% in October.
· The lender added the housing market will "remain subdued" in the coming months.
The UK government's own official forecaster predicted that house prices will fall by 9% over the next two years as affordability issues weigh on demand, and the Bank of England said we are entering the worst recession on record.
Watch video on YouTube channel - https://youtu.be/oCJIAiYcbyU
The average property price fell to £263,788 last month from £268,282 in October, the Nationwide said.
WARNING - Spray foam insulation can render your property WORTHLESS – according to RICS surveyors.
Government giving out billions in grants to homeowners to insulate and cut energy costs – including solar panels.
Pension pots lose up to 40% following bond market crisis.
The financial services industry has let us down with poor advice and products, low fund performance and high charges and fees.
See also: How To Grow Your Online Reviews And Feedback - https://youtu.be/xoV--yCYRn4
Don’t rely on the financial services industry, financial advisers or the government to fund your retirement.
· 3 million people have lost track of their pension pots.
· £27 billion in pensions lies unclaimed in insurance company coffers…visit the ‘gov.uk website to track your old pensions.
Educate yourself to manage your own money, build wealth and row your own boat.
Start with the basics. Check out my new training to help you get control of your finances in 28 days!
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House prices suffer biggest fall for 2 years.
Pensions fall by up to 40%! Time to learn how to manage your own money. Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr
UK house prices saw their worst monthly drop for over two years in November as rising interest rates slowed down the property market, the Nationwide has said.
· Prices fell by 1.4% from October 2022 - the largest month-on-month fall since June 2020.
· Annual house price growth saw a "sharp slowdown", the Nationwide building society figures revealed, plummeting to 4.4% from 7.2% in October.
· The lender added the housing market will "remain subdued" in the coming months.
The UK government's own official forecaster predicted that house prices will fall by 9% over the next two years as affordability issues weigh on demand, and the Bank of England said we are entering the worst recession on record.
Watch video on YouTube channel - https://youtu.be/oCJIAiYcbyU
The average property price fell to £263,788 last month from £268,282 in October, the Nationwide said.
WARNING - Spray foam insulation can render your property WORTHLESS – according to RICS surveyors.
Government giving out billions in grants to homeowners to insulate and cut energy costs – including solar panels.
Pension pots lose up to 40% following bond market crisis.
The financial services industry has let us down with poor advice and products, low fund performance and high charges and fees.
See also: How To Grow Your Online Reviews And Feedback - https://youtu.be/xoV--yCYRn4
Don’t rely on the financial services industry, financial advisers or the government to fund your retirement.
· 3 million people have lost track of their pension pots.
· £27 billion in pensions lies unclaimed in insurance company coffers…visit the ‘gov.uk website to track your old pensions.
Educate yourself to manage your own money, build wealth and row your own boat.
Start with the basics. Check out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
How To Grow Your Online Reviews And Feedback
Check out my new trainingto help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr
Online marketing expert, Chadesh Parekh of NERO Digital Labs explains how to grow your online business reviews and customer feedback.
· Get more genuine customer reviews
· Use customer feedback to grow your online reputation
· Make more money online organically through reputational marketing
Chandesh Parekh is website accessibility and inclusivity consultant, web developer and online reputation marketer.
Chandesh has been professionally immersed in the world wide web for over 20 years and helps businesses with their online marketing strategies, particularly focussing on customer feedback, ratings and reviews.
Watch YouTube video version - https://youtu.be/xoV--yCYRn4
You can connect with Chandesh on LinkedIn on at his website.
NERO Digital Labs Link: https://nerodigital.co.uk/services/reputation-marketing/
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UK net migration reached a record 504,000 in the year to June, The Office for National Statistics (ONS) reports.
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At the same time, the ONS also reports that rents are rising by the fastest rate since records began, despite a slowdown in property sales. Rents in the private sector have increased by 3.8pc in the 12 months to October 2022 - the biggest annual percentage change since records began in January 2016, according to the ONS rent inflation index. Business demand more migrants However, business leaders have called for higher immigration to boost growth and fill millions of job vacancies in the UK.
The number of recorded Asylum applications which includes illegal migrants trafficked in small boats across the English Channel, hit 73,000 in the year to September, around 15% of all those who arrive in the country in any given period. Migration figures reveal that a large numbers coming here from outside the European Union - 170,000 from Ukraine and 76,000 from Hong Kong under a scheme to resettle people who count as British citizens. International students Included in the net migration figures, 277,000 overseas students came to the UK study, double the number of student visas from the previous year – possibly influenced by the lifting of travel restrictions, according to the ONS.
The increase in immigration coincides with soaring rents at a time when the property sales market has slowed and thousands of landlords quit the buy-to-let property market - https://youtu.be/NME3nEu8dAQNationwide providers like Serco have earned millions housing asylum seekers and will work with private landlords.
If you live or work in the North London, Watford or Herts area you might be interested in a face-to-face networking meeting at the Beech House, 49 High Street, Watford, England, WD17 1LJ, Thursday 1 December 10am-12. For more information see: https://www.business-buzz.org/hertfordshire/business-networking-watford
With the UK entering the worst recession since records began, there’s never been a more important time to get your own finances in order and learn how to manage your money and increase your wealth.
Check out my new free training to help you get control of your finances in 28 days! Free to join: https://bit.ly/3isugCr
Making Tax Digital Rules Will KILL Buy-to-Let Property Market For Small Landlords
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New HMRC Making Tax Digital Rules (MTD) will make life MUCH harder and more costly for small buy-to-let landlords, adding further red tape to the misery of increased legislation and higher interest rates.
Watch video versionat my YouTube channel - https://youtu.be/mYhJSCbOGLE
Interview with Tax Consultant James Cannaford of Hawthorne Tax Consultancy who covers:
· How MTD will ne a nightmare for smaller landlords, not companies and partnerships.
· How Jeremy Hunt’s Autumn budget statement will affect buy-to-let landlords.
· Increased legislation and higher commercial interest rates.
· Capital Gains Tax changes.
· Corporation Tax changes.
· AIRBNB HMRC deal.
To reach James Cannaford
Website: www.hawthorneconsultancy.com
Email: info@hawthorneconsultancy.com
Phone: 01442 97 44 99
LinkedIn: https://uk.linkedin.com/in/james-cannaford-621527195
Get your own finances in order and learn how to manage your money and increase your wealth.
Check out my new training to help you get control of your finances in 28 days!
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10 Tips To Avoid Christmas Debt And January Blues
The silly season is upon us…rushing around spending money we don’t have buying things people don’t want and listening to the same old Christmas songs!
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Christmas might be a time for giving, but that doesn’t mean you have to give yourself a headache in the New Year with bills and debts you can’t afford. Millions of people max out their credit cards in December only to wake up with a financial hangover in January.
It’s so easy to overspend and fall for those tempting offers and feel pressured to buy, but youmust decide how much you can afford before you start shopping.
Watch video version on YouTube - https://youtu.be/n7vSK5LlONU
10 tips to avoid Christmas Debt And January Blues.
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Set a budget and stick to it! Don’t overspend.
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Plan your purchases early to avoid panic buying.
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Shop around for deals, especially for food and drinks.
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Look for discount codes and offers.
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Check out interest free deals and 0% cards.
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Pay off credit card debt as soon as possible.
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If you can, hold off large purchases until the post-Christmas sales.
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Discuss holding a ‘gift buying truce’ with your extended family and friends (NOT your partner and kids!). They will probably be relieved!
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Limit gifts to a maximum price, have fun with a secret Santa or agree charity donations.
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Never neglect household bills to spend on Christmas.
Watch out for Black Friday “deals”….do you really need that gadget?
Not everyone celebrates or even looks forward to Christmas, which is okay.
Finally, you can enjoy a simple holiday season without getting into debt. It’s all about mindset, planning and communication. Christmas is not just about buying presents.
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your finances and learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
A third of countries in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money.
Chancellor, Jeremy Hunt announced £55 billion ‘fiscal squeeze’ tax changes and measures to cut the national debt whilst stimulating growth including the “biggest programme of public works for 40 years” and a plan to make the UK the world’s next Silicon Valley.
Watch video version - https://youtu.be/9Y6FcXo22jQ
Markets were reassured by a steady and responsible budget.
· Social rents capped at 7% next year.
· Rents to increase for private landlords housing social rent tenants by 5%.
· National Living Wage increased and more help poorer pensions and families on Universal Credit.
· Pensions ‘Triple Lock’ retained - largest ‘inflation-linked’ increase to state pensions.
· Corporation tax and stamp duty changes to be implemented.
· Capital Gains Tax (CGT) thresholds halved – another tax rise.
· Inflation is the “enemy” of growth. Jeremy Hunt.
· Lowering higher rate tax thresholds from £150,000 to £125,140.
· Freezing tax free allowances – effectively increasing taxes.
· ‘Fiscal drag’ means 3 million people will pay more tax.
· Windfall tax on energy companies increased to 35%.
· Electric vehicles will start paying car tax duty.
· OBR expects housing market to slow down.
· Big tech companies should pay more tax.
· Review of “workforce participation” – get people on benefits to get a job!
Reality check. World heading into recession
One third of countries will be in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money.
OBR predicts UK recession next year and low growth and 7.4% inflation next year - see 21 Money Saving Tips https://youtu.be/taJgXOqp9O0– and negative inflation in 2025.
· UK inflation 11.1%.
· Interest rates to rise again.
· £100 billion to service national debt.
· £177 billion more borrowing next year.
· Rishi gave away billions, Jeremy is taking it back, as he said, “it has to be paid for”.
· The UK always pays its debts, he reassured the markets.
If you are struggling to grow your income and reduce costs in the economic winter, I will personally speak to you to help you accelerate your wealth building journey.
If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call
Don’t Join The Recession – 7 Tips To Help You To Thrive In ANY Economy!
If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call
The world’s economies are in turmoil. Even the mighty German economy drag the EU into a long recession according to the EC.
But what about YOUR economy? What are you doing right now in your ‘U’conomy’?
Migrants do very well in a recession. Why? Because they don’t watch the news! Brian Tracy.
Watch video on YouTube - https://youtu.be/USSP2m6xYmw
I want to work with a small group of people to help you not only survive but THRIVE in the recession.
In the meantime, here are 7 quick money tips:
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Cash flow – do whatever it takes (legally) to keep cash coming in.
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Keep working - As the late Zig Ziglar said, you don’t have to “join the recession”. He was selling pots and pans in a recession, but doubled his sales because he worked while everyone gave up and said “nobody’s got any money, don’t you know we are in a recession”.
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Manage money – you must get control of your finances and budget. See my free new training to help you get control of your finances in 28 days!
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Look for opportunities – there are millions of opportunities to make money in any economy.
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Get around the right people – stay away from the people who drag you down with negative talk.
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Stay positive and realise that winters pass– “all things must pass”, George Harrison wrote. Winters follow summers and spring follows winter. Recessions are inevitable and come and go in most decades.
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Get a mentor – getting a mentor, coach, mastermind group or training are the smartest things you can do, especially in an economic downturn.
I have space now for a small group of people I can work with to mentor them to success in any economy.
If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call
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UK house prices will crash 8% next year Mortgage lender predicts
For more more tips and money-making ideas see my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
Watch video version on YouTube - https://youtu.be/-jQZmzSAMjg
· House prices will plummet by 8% in 2023
· Stay flat for the following four years, Lloyds Banking Group has predicted.
· Britain’s biggest mortgage lender issued a pessimistic outlook for the UK economy
· Setting aside £668m to cover bad debts.
· The bank fear that rising interest rates – which they predict could reach 4% by 2024 - will make mortgages less affordable.
· ONS data says price of the average home up by 13.6% in the year to August to £296,000.
· An 8% fall will not put values below the rapid rises over the last two years.
· The Bank of England hints base rates could rise by 0.75-1% when it meets in November as it fights to tackle 10% inflation.
· Wholesale lending rates have eased after fixed rate mortgages topped 6% following the disastrous mini budget.
New buy-to-Let investment deals are no longer viable with 6%-7% mortgage costs even with a 25-30% deposit – see:
Higher interest rates will KILL buy-to-let property market
Cash buyers are unaffected by mortgage rates of course, but investors have traditionally used leverage and maximum borrowing to expand their portfolios, but higher rates have moved the goalposts.
The Nationwide has reported that UK house prices fell for the first time in over a year last month. Prices fell by 0.9% month-on-month in October.
Over 100,000 borrowers are reaching the end of their fixed rate deals every month at which time they will suffer sharp increases in payments. Many will face mortgage rises of 2-300%.
Britons are facing a long winter of strikes and higher energy and food prices, despite wholesale prices of gas and oil falling from their highs.
Other news
Is the dollar losing its status as the world’s reserve currency?
For more ideas and tips, see out my new training to help you get control of your finances in 28 days!
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21 SMART Money And Energy Saving Tips
With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.
Please LIKE and SHARE – WATCH YOUTUBE VIDEO - https://youtu.be/taJgXOqp9O0
Here are some tips to help you save and accumulate more money...
Truss DOWN but Mortgage Rates UP to 14-Year High as 100,000 borrowers reach end of fixed rate deal every month
· Prime Minister Liz Truss resigns after 38 days in office following a tumultuous few weeks
· A new party leader and Prime Minister will be voted in by members by 28 October
· Will ‘the markets’ get the leader they want with higher taxes, pain and austerity?
· As mortgage rates hit new high, 100,000 reach end of fixed rate deal every month
· Average two and fiver-year fixed rate deals reach 6.65% and 6.51%
· Bank of England will raise rates again next month to fight inflation
· Food prices rise at fastest rate for 42 years
· Tax plans and Hunt budget in doubt
· Markets and Pound rise on news
Watch video version - https://youtu.be/bYVdg1ySjuM
What does this mean for you?
FINANCIAL EDUCATION FOR FINANCIAL FREEDOM
Whatever you do, don’t do ANYTHING unless you are financially educated.
Can you change the economy, market or government policy?
No!
Can change YOUR economy (Uconomy), your policy, your financial and money management and your earnings?
YES!
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to get control of your money and change your financial blueprint.
Check out my new trainingto help you get control of your finances and learn how to build real wealth in 28 days!
Click to join: https://bit.ly/3isugCr
money #business #stockmarket #property #freetraining #financialfreedom #inflation #costoflivingcrisis #moneytips #getcontroloffinances #freetraining #mortgagerates #fixedratemortgage #jeremyhunt #tax #liztruss
New Chancellor Hunt Reverses Tax Cuts and Long-Term Support For Energy Bills
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Newly appointed Chancellor, Jeremy Hunt MP, has ripped up his predecessor’s doomed mini budget after replacing Kwasi Kwarteng MP on Friday.
Wholesale government borrowing interest rates have stabilised after Mr Hunt steadied the ship and restored confidence in the ‘markets’, which have now factored in an interest rate peak next May of just over 5%.
Watch video on my YouTube channel Charles Kelly Money Tips Podcast - https://youtu.be/JMbSw-H221g
SCRAPPED
INCOME TAX
Jeremy Hunt ditched the plan to cut the basic rate by 1p from April.
Planned cut to corporation tax.
ENERGY BILLS
The typical household energy bill has been capped at £2,500 for the next two years.
The 'guarantee' policy was estimated to cost the government over £100billion.
Now expected to be overhauled, with help targeted on the poorest after April.
DUTY-FREE SHOPPING FOR TOURISTS
EASING IR35 RULES FOR SELF-EMPLOYED
DIVIDEND TAX CUT
REMAINING
STAMP DUTY
Stamp duty was abolished under £250,000 at the mini-Budget, with first-time buyers exempt on up to £425,000.
That has already taken effect, and Mr Hunt said it will stay in place.
NATIONAL INSURANCE
The government promised to reverse the increase to National Insurance.
FINANCIAL EDUCATION FOR FINANCIAL FREEDOM
Whatever you do, don’t do ANYTHING unless you are financially educated.
Question: What can you do to change the economy, market or government policy?
Answer: Nothing!
Question: What can you do to change YOUR economy (Uconomy), your policy, your financial and money management and your earnings?
Answer: EVERYTHING!
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your financesand learn how to build real wealth in 28 days!
Click to join: https://bit.ly/3isugCr
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days! Click to join: https://bit.ly/3isugCr
Example of buying a £500,000 property with a £20,000 a year rent or 4% yield. That’s all very well but if you are then borrowing money on say an 80% mortgage, in the past your mortgage payments based on a 2% interest rate would be £8000 a year leaving you a gross profit before cost of £12,000 per annum.
Then interest rates went up to 4% meaning that your mortgage payments rose to £16,000 per annum.
Watch video versionon my YouTube channel, Charles Kelly Money Tips Podcast https://youtu.be/JarTWcAvAoc
At 5% your mortgage payments will be £20,000, in which case you would not even break even after paying costs such as insurance and letting agency fees.
At 6% per annum your mortgage payments would be £24,000 a year leaving you with a loss of £4000 per annum before costs.
However, that’s not the whole story. Rates are expected to go higher and have already breached 6% for the residential market based on five-year fixed rates.
At 8% the interest only mortgage on a £400,000 loan Will be £32,000 a year.
Even if you only borrowed £300,000, the mortgage payment will be £24,000 a year not only leaving you a loss but an obtainable from the lender which would want a buffer zone in case of rental void.
The higher the interest rate the less you can borrow.
It’s unlikely that the lender would give you more than £200,000 based on an 8% interest rate, which would mean that you would need £300,000 as a deposit.
In short, higher interest rates will wipe out any hope of a monthly residual yield or profit for buy to let buyers using islands value by to let mortgages.
Bearing in mind that the high growth model for most investors is based on using maximum leverage and borrowing against their properties, higher interest rates will wipe out a large percentage of the potential buyers as the deals no longer stack up.
Learn how to invest and build wealth.
The Bank of England were forced to bail out the pensions industry after it nearly collapsed and brought down the financial industry with it.
Whatever you do, don’t do ANYTHING unless you are financially educated.
Question: What can you do to change the economy, market or government policy?
Answer: Nothing!
Question: What can you do to change YOUR economy (Uconomy), your policy, your financial and money management and your earnings?
Answer: EVERYTHING!
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
money #business #stockmarket #property #freetraining #financialfreedom #inflation #costoflivingcrisis #moneytips #getcontroloffinances #freetraining #mortgagerates #fixedratemortgage
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New warnings of a housing slowdown were issued this week as the number of people struggling with mortgages are forecast to reach a 15-year high, the Royal Institute of Chartered Surveyors (RICS) said. The RICS is the body which regulates and controls the surveyor who carry out surveys and valuations for all the major lenders in the UK.
Watch YouTube videoat Charles Kelly Money Tips Podcast - https://youtu.be/CEnXNHB6LOI
Subscribe to FINANCIAL EDUCATION FOR FINANCIAL FREEDOM for exclusive training and special offers to help you manage and increase your wealth!
Details:
· House sales in September hit their lowest levels since 2020/21
· Rising mortgage rates will drive house prices down this year, say RICS
· Bank of England said this week the number struggling to pay mortgages will rise next year
· New house buyer inquiries fell in September for he fifth month in a row, say the RICS.
· Fewer properties for sale has pushed up housing prices, but warned this will end.
· Banks, such as HSBC have issued similar warnings of a housing market slowdown
· Higher interest rates will make buy-to-let purchases unsustainable
· Fixed rate deals have reached around 6%, a 300% rise and a gamechanger
· Mortgage lenders will not lend to investors if deals do not stack up financially
· Up to 200,000 households will need to remortgage in the next year, say BBC.
The news comes of top of a brewing financial crisis in the City of London as the Bank of England are again printing money to bail out financial institutions – this time it’s the people running your pension funds.
Tail wagging the dog as centrals banks tell elected governments how to run the country!
Question: What can you do to change the economy, market or government policy?
Answer: Nothing!
Question: What can you do to change YOUR economy (Uconomy), your policy, your financial and money management and your earnings?
Answer: EVERYTHING!
Subscribe to FINANCIAL EDUCATION FOR FINANCIAL FREEDOM for exclusive training and special offers to help you manage and increase your wealth!
https://bit.ly/financialeducationforfreedom
money #business #stockmarket #property #freetraining #financialfreedom #inflation #costoflivingcrisis #moneytips #getcontroloffinances #freetraining #mortgagerates #fixedratemortgage
Cost of 5 year fixed rate mortgages soar to 12-year high
Typical 5-year fixed rate mortgage now 6.02%, the highest since 2010, say Moneyfacts.
Some 2-year fixed rates have topped 6% this week, up from just over 2% in 2021.
Borrowers will be hit with massive payment rises when fixed deals expire.
Watch video version - https://youtu.be/jMo0m_PYgaU
Get control of your finances and learn investment for beginners
In this video, I take you through the basics of getting control of your finances and learning how to become financially free.
Watch videoversion - https://youtu.be/J8xSMrLDsNw
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
If you’re REALLY serious and want to get started right away…Claim your free Wealth Accelerator Discovery Call with me now:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
money #business #stockmarket #property #freetraining #financialfreedom #inflation #costoflivingcrisis #moneytips #getcontroloffinances #freetraining #mortgagerates #fixedratemortgage
Get control of your finances and learn investment for beginners
In this video, I take you through the basics of getting control of your finances and learning how to become financially free.
Watch videoversion - https://youtu.be/J8xSMrLDsNw
With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
If you’re REALLY serious and want to get started right away…Claim your free Wealth Accelerator Discovery Call with me now:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
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Labour's attack on buy-to-let property landlords will wreck the UK private rented sector
The Labour part – 33 points ahead of the ruling Conservatives in a recent poll - plans sweeping private rental reforms in the buy-to-let property market
Labour's Shadow Levelling Up, Housing & Communities Secretary, Lisa Nandy, laid out the party's plans to reform the private rented sector on Monday. In her speech she essentially promised that, should Labour come to power, rent payments will be considered an ‘optional extra’ for tenants, with the party planning to end automatic repossessions for rent arrears. Source NRLA.
In short, if Labour win the next election in two years time, which looks likely, they will introduce reforms to the private rented sector including making it more difficult and longer to evict tenants who are not paying their agreed rent.
Watch videoversion - https://youtu.be/oRXiwu_ekBQ
In this video episode we also talk about:
1 Pound crisis – Pound, Dollar and Euro all at same rate!
2 Pension funds dump shares and bonds, FT reports. Is this the start of the slump.
3 UK economy grew by 0.2% in second quarter to avoid recession, just!
4 Energy prices in the UK rise to £2,00pa on 1 October despite government cap.
5 US stocks record longest run of quarterly losses since 2008 market crash.
What can you do transform your finances and become financially free?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days! - Click to join: https://bit.ly/3isugCr
freetraining #business #money #savemoney #buytoletinvestor #propertyinvestor #mortgages #financialfreedom #economy #money #buytolet #investing #property #houseprices #interestrates #inflation #wealth #taxcuts #kwasikwarteng #labour #rentalreform #lisanandy
Interest rates to rise AGAIN after pound £££ fell to AL TIME LOW against US dollar $$$
The Bank of England may have to raise base interest rates again to prevent pound sterling from collapsing against the US dollar after it fell to an all-time low of just over parity 1.03 this week following the Friday’s mini-budget.
Please LIKE and SHARE this free content and watch until the end for a special offer.
Last week, the Chancellor Kwasi Kwarteng cut taxes, as well as Stamp Duty for 200,000 homebuyers to stimulate the property market a day after the Bank of England (BoE) raised the UK base interest rate from 1.75% to 2.25% to combat inflation warning that the country “may” already be in recession.
The independent BoE move followed the Federal Reserve’s 0.75% hike last week putting further pressure on UK bonds and sterling.
Mortgage lenders have pulled fixed rate deals in anticipation of an early rate rise.
How high will interest rates go?
The Bank of England’s Monetary Policy Committee (MPC) meets in less than two week on 3 November and could be forced to raise rates again. The markets expects rates to rise to 4.5% by next year, which could push mortgage rates to over 7%, a level I have not seen for 20 years.
Now could be the time to get advice from a broker about fixing your mortgage rate for at least 3-5 years.
If you are already in a fixed rate deal and have a year or two left, you might want to consider switching to a longer-term rate even if you have to pay a small ERC – early redemption charge or penalty. Talk to a broker to weigh up the costs and benefits or do your own calculations by factoring in an interest rate of around 4.5%.
With 10% inflation and a weak pound, interest rates are on an upward trend, so take action now to protect yourself.
What can you do transform your finances and become financially free?
Are you struggling with money or the cost-of-living crisis?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
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The Chancellor Kwasi Kwarteng has cut Stamp Duty for 200,000 homebuyers to stimulate the property market a day after the Bank of England (BoE) has raised the UK base interest rate from 1.75% to 2.25% to combat inflation and warning that the country “may” already be in recession. A recession is officially measured by two negative growth quarters, which has not yet been recorded.
The independent BoE move follows the Federal Reserve’s 0.75% hike this week.
UK borrowing costs are now at their highest levels since 2008 putting pressure on mortgage holders and the housing market.
The new rate rise alone could add up to £690 per annum or £57 per month to an average variable rate mortgage (on top of previous rate rises), although not all lenders follow the BoE base rates.
Watch video on YouTube - https://youtu.be/8d2RYNaV5jM
How high will interest rates go?
The Bank of England’s Monetary Policy Committee (MPC) meets in less than two week on 3 November and could be forced to raise rates again. The markets expects rates to rise to 4.5% by next year, which could push mortgage rates to over 7%, a level I have not seen for 20 years.
Now could be the time to get advice from a broker about fixing your mortgage rate for at least 3-5 years.
Stamp Duty Cut
· Threshold raised from £125,000 to £250,000.
· First-time buyer nil rate band lifted to £425,000.
· 200,000 people will be taken out of Stamp Duty tax altogether.
The April NI tax rise has been reversed saving employees and employers hundreds of pounds a year.
Income tax reduced to 19% from April 2023 giving back £170 to 31 million people.
Highest rate of 45% abolished.
All goo d news but more money is effectively being printed and the national debt increased or deferred, which means paper currency is being devalued.
Corporation tax rise cancelled.
Bad news for HMO Landlords
The government plans to introduce legislation to force landlords who include bills as part of the rent to “repay” the £400 rebate to the tenant!
What can you do transform your finances and become financially free?
Are you struggling with money or the cost-of-living crisis?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
Following the Queen’s funeral, it is time to get back to the reality of the crisis we are facing in the UK.
UK interest rates set to rise again this week by the biggest margin in 33 years, as pound slides against the US dollar. Sterling has fallen to a 37 year low against the US dollar, the reserve currency of the world.
This means that the UK is paying 15-20% more for imports, such as oil, on top of all the other factors causing prices to rise at the fastest rate since the early 80s.
Watch VIDEO on my YouTube Channel – Charles Kelly Money Tips Podcast –
https://youtu.be/gisQN7FczPE
Expect to see more repossessions of homes and cars next year.
In my S.M.A.R.T money course, I always stress that borrowing to buy consumer goods - which go down in value - is a bad idea.
Now is the time to prepare for the economic winter ahead.
Get your house in order and fasten your seatbelts for a rough ride ahead.
When times are good, and borrowing is cheap everyone buys more on credit and the economy expends. But the cycle never lasts, as we cannot keep on borrowing and creating money out of thin air forever…It hasn’t worked in the past and it will not work now.
The party is over!
Inflation is running out of control, which means the central banks will have to tighten monetary policy and pull back the reins on the economy – slow down the economy causing a recession.
Now is the time to learn how to manage your money and prepare for the financial winter.
· Do you have any savings?
· Do you know how to invest or where to invest your money to build financial freedom?
· For how long could you pay your bills if you lost your job?
· Are you fed up struggling?
What can you do transform your finances and become financially free?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
Is Buy-to-Let Property Rent Control Law A Serious Threat To Landlords And Tenants?
Landlords switching to holiday lets and SA (Serviced Accommodation) for less regulation and higher profits.
Rent controls will drive private landlords away, reduce inventory and increase rents for tenants.
World Banks say central bank interest rate hikes could cause a 2023 recession.
US Mortgage Rates hit 14-year high as Pound falls to 37-year low against US Dollar.
How will higher interest rates affect property prices, wider economy and stock market?
Watch video on Charles Kelly Money Tips YouTube channel = https://youtu.be/BmskS4YkTg8
Higher interest rates increase the cost of money or borrowing and has the effect of slowing down economic growth, profits and ultimately stocks and share prices.
Property prices are higher than a year ago, but the rate of price growth is slowing.
Corporate insolvencies have jumped in England and Wales, as economic conditions and inflation start to hurt businesses. A bell weather company, FedEx, saw its shares plunge after a profit warning linked to a gloomy economy.
When times are good, and borrowing is cheap everyone buys more on credit and the economy expends. But the cycle never lasts, as we cannot keep on borrowing and creating money out of thin air forever…
The party is over!
Inflation is running out of control, which means the central banks will have to tighten monetary policy and pull back the reins on the economy.
Now is the time to learn how to manage your money and prepare for the financial winter.
· Do you have any savings?
· Do you know how to invest or where to invest your money to build financial freedom?
· For how long could you pay your bills if you lost your job?
· Are you fed up struggling?
What can you do transform your finances and become financially free?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
freetraining #business #money #savemoney #buytoletinvestor #propertyinvestor #mortgages #secondincome #financialfreedom #economy #money #rentalproperty #buytolet #investing #property #houseprices #NRLA #rentalproperty #rentcontrol #inflation
Before I answer that question, what do you think? I’ve seen a lot of comments like this on social media and wanted to say a few words about one of her biggest contributions to the UK.
Leaving aside her support for over 600 charities, and numerous civic duties and constitutional duties which saw her work but over 70 years until almost the day she died, the Queen has made one huge contribution to the UK economy:
Tourism
Watch video on Charles Kelly Money Tips Podcast YouTube- https://youtu.be/SjcFc3KQOgs
The Queen and the royal family have attracted billions of pounds and millions of tourists over the years, and she’s still packing them in now. London is booming with visitors and hotels are full.
When her coffin was being driven from Balmoral to Edinburgh, use cameras in a helicopter followed the procession for the entire six-hour journey. Viewers were treated to the glorious beauty of the Scottish Highlands, villages and then Edinburgh. You cannot buy that sort of publicity.
Do you think Scotland will benefit from six hours of free publicity? Hell yes!
Prince Charles is a brand William and Kate are a brand and Harry and Megan have shown how are you can literally monetise the brand to the tune of millions of dollars.
Imagine if the Queen has gone down that road? I’m only saying this to illustrate the untold value of the royal band which goes back to UK PLC at large.
Hotels, restaurants, bars, shops, airports, taxi drivers, support staff and thousands of workers all benefit from tourism, which is one of the biggest industries in the UK. There is no doubt that the rules have contributed hugely to UK tourism and the wider economy.
How much is the Royal Family ‘brand’ worth?
In 2017, business insider.com estimated the royal family ‘s brand was worth £67 billion and said that the royal family contributes £2.4 billion to the UK economy every year.
What is world’s most valuable brand?
It used to be Coca-Cola but is now dominated by recently formed tech and Silicon Valley companies.
According to Kantar BrandZ the top 10 most valuable global brands are:
-
Apple
-
Google
-
Amazon
-
Microsoft
-
Tencent
-
McDonalds
-
Visa
-
Facebook
-
Alibaba
-
Louis Vuitton
Source: Kantar.com
The Apple brand is estimated to be worth nearly $1 trillion with Google and Amazon not far behind.
China has two companies in the top 10, Tencent and Alibaba, and the only non-US company is Louis Vuitton a French company.
What can you do to develop your own brand?
What can you do transform your finances and become financially free?
Are you fed up struggling?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new trainingto help you get control of your finances and learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
New Government, New King – What Will This Mean To Property Investors?
In a momentous week the UK has witnessed a new incoming Prime Minster, Liz Truss, new government and team, change of housing minister and a new Head of State, King Charles III.
What does this mean for property investors?
Watch videoversion - https://youtu.be/eLnQ2gDWq08
Key Takeaways:
· Queen’s death Bank of England delays base interest rate decision on 22 September.
· UK interest rates were predicted to rise to 2.25%.
· Economy still in trouble, but Liz Truss in borrowing over £100 billion to pump more money in to boost jobs and growth.
· Massive infrastructure projects.
· Energy bills capped.
· Green levies halted.
· Move away from obsession with everything going ‘green’?
· HMO and SA landlords will be pleased to hear that bills are being capped.
· Will we see any changes to renters reform or legislation on EPCs?
· Mortgages are becoming more difficult to obtain and rates are going up.
· Investors looking to the north for higher yields – 7 to 10%.
In my book, Borrow and Grow Rich, I show you how the wealthy have used OPM (other people’s money) to create huge fortunes for centuries.
Borrow and Grow Rich is available now - https://www.amazon.co.uk/BORROW-GROW-RICH-USING-PEOPLES/dp/B09PHH7KK5/ref=sr_1_1?keywords=borrow+and+grow+rich&qid=1662904207&sr=8-1
What can you do transform your finances and become financially free?
To help you get through this and come out stronger at the other end I have accessed a new training webinar, which you can access right now from the comfort of your home.
FREE TRAINING – PROPERTY SECRETS FOR BEGINNERS!
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
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Energy Crisis - Government announce £150b package for bills to be capped at £2,500 for typical household
The new UK Prime Minister, Liz Truss, has announced plans in the commons today to limit energy bill rises for all households for two years to help millions of people falling into hardship this winter.
A typical household energy bill is to be capped at £2,500 annually until 2024.
Businesses will receive support for six months.
Watch videoversion on YouTube… https://youtu.be/0QN67xFYGN0
The huge support scheme could cost up to £150bn, although the total cost will depend on future wholesale fuel prices.
The energy price cap - the maximum amount suppliers are allowed to charge households for every unit of energy - was due to leap to £3,549 in October, a move which would have caused widespread fuel poverty.
Under the Liz Truss scheme, the government will compensate energy firms for the difference between the wholesale price for gas and electricity they pay and the amount they can charge customers.
The government will suspend green levies - which add £150 to bills each year - which the £2,500 cap accounts for.
A previously announced £400 energy bills discount for all households will go ahead. Taken together, the government said this "will bring costs close to where the energy price cap stands today".
Most people’s bills are still double where they were before the Russian invasion of Ukraine, but would have soared if the price cap was lifted again next month.
Why do so many people depend on government aid?
The majority of working people have no savings and live month-to-month throughout their lives.
Retirement planning is woefully inadequate which means millions of pensioners are dependent on the state to make ends meet.
According to the DWP report in August 2019:
· 20 million people claiming DWP benefits.
· Two thirds of benefit claimants, or 13 million, are of State Pension Age.
· The number of people receiving State Pension has fallen to 12.6 million partly due to the retirement age being pushed back.
What can you do transform your finances and become financially free?
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your finances and learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
freetraining #inflation #business #money #savemoney #buytoletinvestor #propertyinvestor #mortgages #secondincome #financialfreedom #economy #money #rentalproperty #buytolet #investing #property #houseprices
Equity Release Lifetime Mortgages Explained By A Qualified Adviser
How you can release or take capital from your home using a lifetime mortgage equity release scheme.
Interview with Independent Equity Release expert, James Blair who explains the advantages pros and cons of drawing off capital from your home including:
· How much can you borrow?
· What are the interest rates?
· Do you have to make repayments?
· Is an equity release lifetime mortgage right for you?
· What happens when you die or go into long-term care?
Watch video - https://youtu.be/WGjhBSCTQvY
If you would like to find out more about releasing equity from your home or arrange a consultation, message me.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
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London first time buyers will need an extra £34,500 of income on average due to rising interest rates
· Sterling crisis could drive up interest rates
· First time buyers are the largest buyer group in the country but they’re about to be hit with higher interest rates. Here’s what’s happening and how you can offset the rising rates.
Key takeaways
· First time buyers, the largest buyer group in the UK with nearly 177,000 transactions so far in 2022, will need an average of £12,250 more on their income to get a mortgage based on 4% interest rates
· A whopping £34,500 extra is needed in the London market, but less than £5,000 in more affordable regions
· Property interest among FTBs is up by 46% year on year as they drive the market from the bottom up.
· More than half of their enquiries for three bedroom homes and an average price 10% higher than this time last year (£269,000).
· FTBs are looking further afield in cheaper areas to buy a home, meaning less time spent saving up for a deposit.
· Zoopla data shows that 25% of first time buyers outside of London are now searching 10km or more from their home address. Source: Zoopla
Is it still cheaper to buy than rent?...
5 Tips to help First Time Hom Buyers...
Sterling crisis could drive up interest rates
Interest rates and inflation could soar if the Pound continues to fall against the Dollar.
Goldman Sachs predict that inflation could reach 20%!
Energy will rise again next month, food prices are rising at more than 10% and unions are striking for higher pay deals and some want to minimum wage to go up to £15 per hour.
Germany now has the highest inflation rate for 40 years.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
UK Property Talk – Learn how the rich legally avoid billions in tax and protect their assets from HMRC
Interview with Milan Patel of Customized Financial Solutions taking a holistic approach to tax including:
· Inheritance Tax Planning
· Wills and Trusts
· Company incorporation S.24
House prices have soared in the last few years, which means many of you will be paying unnecessary tax and passing on a huge tax burden to your children and grandchildren.
Watch YouTube video - https://youtu.be/mo9ocdg7bQA
Contact details for Milan Patel at Customized Financial Solutions
LinkedIn: https://www.linkedin.com/in/stampdutyreclaimlondon/
Facebook: https://www.facebook.com/customizedfinance/
Website: www.customizedfinancialsolutions.com
House sales peak in July HMRC figures show but buyers are cautious
More homes were sold in the UK in July than in any other month this year, official figures show, but agents say buyers are becoming more cautious.
Obtain up to 14% yield on UK buy-to-let property.
Auction Property Bargains From Open House South Herts
2 Bed House - £36,000
4 Bed Buy-to-Let Rented House £59,000
https://www.facebook.com/estateagentswatfordelstreeandborehamwood
Generate a second income stream…
Find out more about property investing – even if you have no money.
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
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House sales peak in July as energy bills set to rise by 80% in October
UK regulator, OFCOM, has hiked the energy cap which means average UK household energy bills are set to rise by up to 80% from 1 October.
The Government has announced that all households in England, Scotland and Wales will receive £400 to help with rising fuel bills this autumn. The payment will appear as a credit on your energy bill. Landlords who include utility bills in houses in multiple occupation will still be eligible for these payments.
See also: 100,000 Join ‘Don’t Pay’ group
YouTube episode - https://youtu.be/L2yOcmIFxDw
The increased outgoings could also affect how much you will be able borrow to buy your home.
Watch videoversion - https://youtu.be/IvzKs3n2C6U
House sales peak in July HMRC figures show but buyers are cautious
Following the recent Halifax report, official figures show that more homes were sold in the UK in July than in any other month this year, but agents report that buyers are showing more caution.
Due to cost-of-living pressures and lower mortgage advances, buyers are increasingly negotiating for a lower price.
HM Revenue and Customs data showed that 110,970 properties were sold in the UK during the month - the highest since September.
US President Joe Biden is cancelling billions of dollars of federal student loans.
Generate a second income stream…
Find out more about property investing – even if you have no money.
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
property #freetraining #propertysecrets #money #banks #savemoney #buytoletinvestor #propertyinvestor #energy bills #mortgages #secondincome #financialfreedom #energycrisis #energypricecap
7 Inflation Busting Tips As UK Inflation Hits 10.1%, A New 40-Year High, Food Costs Soar 14% And Wages Fall Behind Cost Of Living
Food costs are rising by over 14% which has helped push UK inflation into double digits for the first time since 1982.
Prices are now rising at their fastest rate for more than 40 years.
Official inflation rates reach 10.1% in the 12 months to July, up from 9.4% in June, the Office for National Statistics (ONS) said.
Soaring living costs are eating into family household budgets, with prices rising faster than wages for the last decade.
The Bank of England has predicted that inflation will peak at 13% this year – having previously claimed it was “temporary” and would start to fall this year – and admitted that the country was heading towards a recession.
The price of energy, petrol and diesel costs are contributing to inflation, say the ONS, as well as staples such as bread, cereals, milk, cheese and eggs rising the fastest, while the cost of vegetables, meat and chocolate were also higher.
In short, the cost of just about everything a family needs is going through the roof. But housing and mortgage costs are also hitting pockets, especially as fixed rate mortgages expire and cause a nasty shock when they jump in price.
What can you do to avoid the recession?
What will you do to survive and even thrive in this recession?
Here are my 7 inflation-busting tips:
-
Loyalty cards and money saving and rewards websites can save you thousands
-
Maximise your returns on savings and investments
-
Clear credit card debts as fast as you can or transfer to interest free offers
-
Abandon ‘brand loyalty’ for better deals on similar products and services
-
Get control of your finances and stop spending more than you earn
-
EARN more, generate more cashflow with a side hustle or property business
-
Invest in yourself, upgrade your skills and earning potential and power!
The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
money #business #stockmarket #property #foodprices #freetraining #financialfreedom #inflation
UK House Prices FALL For First Time In Over A Year Say Halifax As UK Economy Shrinks In Second Quarter
· UK house prices suffer their first drop in a year according to figures compiled by Britain’s biggest lender.
· Average property worth £293,221
· Annual growth highest in Wales at 14.7%
· UK Economy shrinks and heads into recession
Average UK house prices dipped in July 2022 for the first time in a year, according to property market data from Halifax.
Watch video version https://youtu.be/EAFwHV0VQWQ
The lender’s house price index revealed that price growth slowed by 0.1%, or £365, month-on-month since June, valuing an average UK home at £293,221.
The annual rate of house price growth eased to 11.8%, down from 12.5% last month.
This month, separate house price data from the Nationwide building society and Zoopla also indicated a slight slowdown of the UK’s property market.
Last week I reported that HMRC property transactions data for June shows there were 96,920 sales, on a non-seasonally adjusted basis, the third slowest June for a decade and down 4% on June 2019.
Sales are down 55% compared with 2021 and on a monthly basis down 3.1%, according to the HMRC data based on stamp duty submissions. Watch video - https://youtu.be/Q4ycEfF7ER4
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
UK economy shrinks Q2 as recession looms
The UK economy officially shrank between April and June as the Bank of England predicts the country will fall into recession later this year.
The economy or GDP contracted by 0.1% in the second quarter of the year, the Office for National Statistics (ONS) reports, but is not yet in recession because it grew by 0.8% in the first quarter.
Banks not passing on interest rate rises to savers!
See: video - https://youtu.be/5Z1DVXkCcfo to see what can you do to make more of your savings.
Make your money work harder for you…See: 6 Tips to get on the property ladder - https://youtu.be/F4spqKpYZo4
Find out more about property investing.
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
As energy bills predicated to reach £4,000 per household and campaigners like Martin Lewis call for government action to stave off a national crisis, 100,000 people are threatening to cancel their bank direct debit payments to companies like EDF and British Gas.
A campaign group, dontpay.co.uk, has almost 100,000 signatures of people who say they will refuse to pay their energy bills or cancel their direct debit mandate from October.
Don’t damage your credit rating
Things to remember before you cancel payment plans:
· You have a contract
· Energy companies can issue late payment notices to credit referencing agencies and forcibly enter your property to instal a pre-payment meter.
· Risk of CCJ – County Court Judgement
· Poor credit history can last for 6 years.
· If you fall behind it will be difficult to catch up and pay the debt.
Banks not passing on the last 5 interest rate rises to savers!
See: video - https://youtu.be/5Z1DVXkCcfo to see what can you do to make more of your savings.
Make your money work harder for you…See: 6 Tips to get on the property ladder - https://youtu.be/F4spqKpYZo4
Learn how to get started as a first-time property buyer.
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
A slowdown in the property market means more opportunities for buyers and investor!
Find out more about property investing.
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
NO MONEY DOWN VIRTUAL TRAINING WEBINAR
The Ultimate No Money Down Property Investing Event - Virtual Training on Thursday 11th August 2022 @ 7pm Virtual event - No Money Down Property seminar.
Click to register as places are strictly limited.
No Money Down isn't as difficult as you may believe... If you want to take the next steps and take advantage of the opportunities that have opened up to you in the past few weeks (massive increase in probate deals, the tsunami of pre-repossession lease options that are available right now and tenant buyer Rent2Own demand at an all time high due to inflation pricing the masses out of the market just to name a few), then join this free virtual training…
https://bit.ly/3pd8RR0
Bank of England Raise Rates by 0.5%, as UK heads towards recession
UK heading into recession say BoE, and Inflation set to hit 13% this Autumn
Mortgage affordability rules relaxed by Bank of England
The Bank of England (BoE) has raised rates by 0.5 percentage points to 1.75%. The news marks the biggest UK interest rate rise in 27 years.
This is the BoE’s latest attempt to calm soaring inflation levels, which are expected to reach 13% by the end of the year as the UK faces the biggest squeeze on living standards in 60 years.
Property transactions are already down 55% on 2021 - https://youtu.be/Q4ycEfF7ER4
See: 6 Tips to get on the property ladder - https://youtu.be/F4spqKpYZo4
Learn how to get started as a first-time property buyer.
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
A slowdown in the property market means more opportunities for buyers and investor!
Find out more about property investing.
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
6 Tips To Get On The Property Ladder
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
A slowdown in the property market means more opportunities for buyers and investor!
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
property
property ladder
firsttimepropertybuyer
Property transactions down 55% on 2021, according to official figures.
House prices may be rising but sales are slowing at an alarming rate.
Years of artificially low interest rates have pushed millions of investors into buy-to-let property, where the can receive much higher income, as well as growth on their capital.
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
A slowdown in the property market means more opportunities for buyers and investor!
You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
LIVE NO MONEY DOWN HALF DAY WORKSHOP
LIVE in person event - No Money Down Property workshop
Click to register as places are strictly limited.
No Money Down isn't as difficult as you may believe... If you want to take the next steps and take advantage of the opportunities that have opened up to you in the past few weeks (massive increase in probate deals, the tsunami of pre-repossession lease options that are available right now and tenant buyer Rent2Own demand at an all time high due to inflation pricing the masses out of the market just to name a few), then join this unmissable in-person event on the 2nd August.
At the No Money Down Discovery in-person event, you can discover:
The hidden secret of how the rich get and stay wealthy. How you could buy property using joint venture funds. How to control and cash flow other people's properties. No Money Down matrix that anyone can follow. The six steps to a RESULT in any negotiation. Where to invest, and why you would want to invest there!
Join the event by registering here now! Tuesday 2nd August in person in Peterborough from 9am to 1pm.
https://bit.ly/3FLiyMm
property #freetraining #propertysecrets #money #banks #savemoney #buytoletinvestor #propertyinvestor
Banks Ripping Off Customers, As Millions Move Money Into Property
In today’s Money Tips Podcast:
· Banks short-changing savers
· Investors turn to property for better returns
· Walmart issues profit warning as ordinary people in America struggle with cost-of-living crisis.
· Property transactions slowing according to official data.
High Street UK banks, like Natwest, have failed to pass on several Bank of England base lending rate rises to millions of savers. Base rates have been steadily rising from a low of 0.10% in October 2021, which banks have not passed on to savers.
At the same time, they are INCREASING interest rate for borrowers who owe money on their already expensive credit cards.
NatWest has just announced a 2.5% increase on their credit card from 15.756 to 18.276, an effective increase of 15%.
The current UK base lending rate is 1.25%.
Credit card companies were charging similar rates when base rats were over 10%, which means they are profiteering from people’s misery.
Meanwhile, banks leaving millions of savers out of pocket in accounts paying almost ZERO interest – which means their savings are LOSING 9.4% (the official UK inflation rate) every year.
Savers should vote with their feet and move their money to obtain better deals – if they can find a local branch!
Years of artificially low interest rates have pushed millions of investors into buy-to-let property, where the can receive much higher income, as well as growth on their capital.
Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood
Banks are closing hundreds of branches all over the country as the reset to cash continues against people’s wishes. Older customers will struggle to get to branches and many do not use, or want to use, complicated online banking systems.
Many old bank branch buildings, such as this on in Loughton, Essex, are huge with much of the space no longer required and can easily be converted into flats, shops, restaurants or other mixed usage.
Mortgage rates have also jumped in the last year adding significantly to the cost of buying a home. For instance, a 2% increase on a £200,000 mortgage will cost borrowers an additional £4000 per annum or £333pm. On a £250,000 loan, the extra cost is £5000 a year or £416pm.
Property transactions slow dramatically according to official figures.
HMRC Headline Figures
The latest transactions data...Watch video - https://youtu.be/uequ4BrXSO0
FREE TRAINING – BEGINNERS PROPERTY SECRETS
This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training TONIGHT 27 July 2022 at 7pm UK time.
CLICK TO JOIN THE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
property #freetraining #propertysecrets #money #banks #savemoney #buytoletinvestor #propertyinvestor
Prior to the 2008 financial crash lenders were routinely giving out 100% and even 125% mortgages, self-certification mortgages with no income checks and up to 10 times income multiples.
This all changed after 2008 when several lenders went bust and the government had to bail out High Street banks in the UK such as Lloyds and RBS, which owned NatWest.
But it was not 100% or even self-certification mortgages that got lenders into trouble. Lenders such as northern rock decided to expand into commercial lending which was outside of their experience and comfort zone.
Subprime lending, or giving mortgages to people with poor credit history, previous arrears and even bankruptcy, also cause massive problems for American investment banks who sold derivatives of these products as triple AAA security.
The vast majority of the actual loans were still being paid in the UK.
Lenders also branched out into buying up estate agencies and other businesses which was a big mistake since they paid far too much for these businesses.
But could we be witnessing a return to more adventurous lending?
Well, that remains to be seen. There has been talk of new lenders, like Propertunity, coming into the market offering 100% no deposit mortgages, but so far they have not launched any product on the market.
Check out: https://www.proportunity.com/blog/zero-deposit-mortgage
We also need to find out more details about the loan terms and the interest rates.
It appears to be some kind of 90% initial loan with a top up loan, similar to a help to buy loan that was offered by the government.
What we don’t know is whether this loan is just an interest only loan or involves a share of the equity in the property.
There are also schemes out there offering 10 times income and minimal credit checks, but these appear to be rent-to-own schemes rather than traditional mortgages.
As always, take legal independent financial advice.
See previous episodes:
4 tips to save money in property letting and development - https://youtu.be/CM22xqmh3Pg
Big changes in private rented sector, leaseholds & property ads - https://youtu.be/SeOA_zMqaIY
Get cheaper property and higher yields up north
Obtain up to 14% yield on UK buy-to-let property.
Auction Property Bargains From Open House South Herts
· 2 Bed House - £36,000
· 4 Bed Buy-to-Let Rented House £59,000
More property deals at: https://www.facebook.com/estateagentswatfordelstreeandborehamwood
economy #propertybargains #auctionproperty #money #buytolet #rentalproperty #buytolet #investing #property #houseprices #nodepositmortgage #100%mortgage
Inflation hits 9.4% and will peak at 11% in the autumn say the Bank of England, which has hinted at an imminent 0.5% interest rate rise.
The ECB have just increased interest rates by 0.5% to zero for the first time in over a decade. Rates have been negative since 2014.
Public sector workers are threatening strikes, with unions complaining that a 5% pay rise will not keep pace with rising costs.
Overall, figures show that pay is falling behind the cost of living making the average person poorer.
Mortgages rates have gone up by around 300%.
Whilst most people are on fixed rates, those rates will eventually expire.
The problem for borrowers at the lower income scale is that they may not qualify for certain rates due to affordability tests.
Watch video on YouTube - https://youtu.be/aRpFGTJqlUE
Who will be the next UK PM?
I wish I could give a less gloomy outlook on the economy but it is not looking too rosy at the moment.
One possible bright light on the horizon is the change of leadership and government in the UK following the forced resignation of Boris Johnson.
The final two candidates for the prime minister job are former Chancellor Rishi Sunak and Foreign Secretary Liz Truss.
Liz Truss is currently ahead in the polls and id she becomes the new prime minister she will cut taxes, increase spending and take measures to encourage economic growth.
Whilst this will mean deferring the UK’s £2 trillion debt reduction, it will provide a much needed boost to the economy and create more tax revenue.
I believe the UK is due for a shift in economic policy and that Liz Truss is the right person to lead the country.
Tesla dumps Bitcoin
Tesla has now sold off most of its holdings of the cryptocurrency.
The firm has dumped 75% of its Bitcoin, which was worth about $2bn (£1.7bn) at the end of 2021.
It is backing away as the value of the cryptocurrency has plunged, falling by more than 50% this year.
Tesla said it bought traditional currency with the $936m (£782m) from its Bitcoin sales.
Tesla boss Elon Musk has been among the most high profile champions of cryptocurrency, with his pronouncements on social media often driving significant trading activity.
Tesla's $1.5bn investment in Bitcoin, revealed in February 2021, prompted a surge of demand in the currency. The price of the notoriously volatile cryptocurrency soared last year to almost $70,000 in November before crashing.
One Bitcoin trades for less than $25,000.
Musk previously said he would not sell any crypto, but now needs cash. Tesla shares have plunged almost 40% this year.
Learn how to create wealth and buy and control property using other people’s money!
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
free #economy #wealth #money #property #cryptocurrency #tesla #elonmusk #bitcoin #inflation #interestrates #liztruss #borisjohnson #rishisunak #makemoney #bankofengland #ecbinterestrates #freewealthcoachingcall #coaching #mortgagerates
With the cost of everything from fuel to building materials and appliances going through the roof, there’s never been a better time to try and find ways to save money.
In this episode, I take you through four ways you can save money whether you are a property developer landlord or buy to let investor.
-
Get a good property tax accountant and save a fortune
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Join discount purchasing clubs such as LNPG - https://www.lnpg.co.uk/
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Networking
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Shop around for lower cost management and letting fees
China’s economy contracts 2.5% while UK grew .5% last month
Where are property prices going?
Watch videoversion - https://youtu.be/CM22xqmh3Pg
Get cheaper property and higher yields up north
Obtain up to 14% yield on UK buy-to-let property.
Auction Property Bargains From Open House South Herts
2 Bed House - £36,000
4 Bed Buy-to-Let Rented House £59,000
https://www.facebook.com/estateagentswatfordelstreeandborehamwood
economy #china #money #borisjohnson #rentalproperty #buytolet #investing #property #houseprices #mickjagger #rollingstones #chrisblackwell #rishisunak #srilanka #bobmarley #U2
Big changes for the private rented sector, leaseholds and property adverts, as UK prices continue to rise
In this episode of UK Property Talk:
UK property prices still rising despite global economic slowdown.
Rightmove, the online property listing portal, confirms its compliance with new listing guidelines to include more information on each property.
Rightmove portal details for properties will include:-
· Cost of any service charge and ground rent.
· Details of any shared ownership arrangement.
· Sale price - no longer “POA”.
· Other changes that affect sales and lettings, including council tax bands.
· Any information missing from a listing will be highlighted and potential buyers will be redirected to the agent.
· Rightmove has also introduced new ‘tool tips’ and a glossary of terms.
Other Updates
· New Rules on unfair Leases and Ground rents
· Boris announces plans to sell off Housing Association properties.
· Lifelong mortgages.
UK government’s ‘levelling up’ measures will involve letting agents directly include a national landlord register, a 'decent homes standard' and abolishing Section 21.
By 2030, more renters will have a secure path to ownership with the number of first-time buyers increasing in all areas; and the government’s ambition is for the number of non-decent rented homes to have fallen by 50%, with the biggest improvements in the lowest-performing areas.
UK House Prices Continue To Rise Despite Global Economic Slowdown
House prices hit a new high in June despite the rising cost of living in the UK would slow demand.
Average house price reached £294,845 in June after rising by 1.8% - the steepest monthly increase since 2007.
Halifax sighted a “lack of available homes” for sale was lifting prices as well as a shift towards people buying larger, detached homes, which rose by over 13% in the last year.
But it expects price growth will slow, as interest rates rise and soaring prices hits people’s pocket harder this year.
Petrol remains high and average household energy bills are set to exceed £3000 this year – a rise of nearly 300%!
Interest rates will rise again says Bank of England Chief Economist, as inflation is expected to reach 11% this year.
The Bank of England warned of more interest rate rises as it vows to bring inflation back down to 2% - roughly 5 times lower than present level.
Boris Johnson ousted as leader by his own party, but does it matter to you?
After Chancellor Rishi Sunak walked out of his job this week, his replacement Nadhim Zahawi has said he and Prime Minister Boris Johnson want to "rebuild the economy" and get soaring inflation under control.
We could see a new approach, as Mr Zahawi said "nothing is off the table" in terms of cutting taxes and boosting economic growth.
Auction Property Bargains From Open House South Herts
2 Bed House - £36,000
4 Bed Buy-to-Let Rented House £59,000
https://www.facebook.com/estateagentswatfordelstreeandborehamwood
rightmove #leasehold #propertyprices #money #estateagent #borisjohnson #economy #rentalproperty #buytolet #investing #property #houseprices
House prices hit a new high in June, according to Halifax, despite expectations the rising cost of living in the UK would slow demand.
The UK’s biggest mortgage lender said the average house price reached £294,845 in June after rising by 1.8% - the steepest monthly increase since 2007.
Halifax sighted a “lack of available homes” for sale was lifting prices as well as a shift towards people buying larger, detached homes, which rose by over 13% in the last year.
But it expects price growth will slow, as interest rates rise and soaring prices hits people’s pocket harder this year.
Petrol remains high and average household energy bills are set to exceed £3000 this year – a rise of nearly 300%!
Northern Ireland saw the largest rise in house prices, with an increase of 15.2% in the year to June to take the average to £187,833. Wales also recorded sharp growth of 14.3% to £219,281.
The average house price in Scotland also hit a new record, rising 9.9% over the year to £201,549, "breaking through £200,000 for the first time in history" said Halifax.
Interest rates will rise again says Bank of England Chief Economist, as inflation is expected to reach 11% this year.
The Bank of England has warned of more interest rate rises as it vows to bring inflation back down to 2% - roughly 5 times lower than present level.
The central bank's focus was getting prices down and making life more affordable again, its chief economist Huw Pill said in a speech on Wednesday.
The weaker pound is making imports more expensive.
Boris Johnson ousted as leader by his own party, but does it matter to you?
After Chancellor Rishi Sunak walked out of his job this week, his replacement Nadhim Zahawi has said he and Prime Minister Boris Johnson want to "rebuild the economy" and get soaring inflation under control.
We could see a new approach, as Mr Zahawi said "nothing is off the table" in terms of cutting taxes and boosting economic growth.
There is a raft of legislation going through parliament including plans to ‘level up’ and improve property and tenant rights.
I will discuss this in more detail on this in my UK Property Talk show 10am Saturday morning.
Join me on UK Property Talk to discuss this and other property matters this Saturday at 10 am.
Click here to register for UK Property Talk - https://bit.ly/3sjxRa1
You will be sent a link to join this exclusive live event.
Pensions Scandal – hundreds of thousands of women underpaid by DWP
More people - mostly women - have been underpaid their state pension than previously thought, latest government figures show.
A new estimate suggests 237,000 state pensioners were paid less than their entitlement, with a total of nearly £1.5bn underpaid.
That is 105,000 more people affected than the Department for Work and Pensions (DWP) calculated a year ago.
They include widows and divorcees who could have been underpaid for years.
Learn how to create wealth and buy and control property using other people’s money!
Claim your free Wealth Accelerator Discovery Call with me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
stockmarket #pension #propertyprices #money #wealth #borisjohnson #economy #rishisunak #investing #property #houseprices
US Stocks Record Worst First-Half Fall In 50 Years
Global stocks down amid war and recession fears, while household incomes are falling.
US stock markets have suffered the sharpest first-half slump in 50 years, with the S&P 500 down by 20.6% and the tech-heavy NASDAQ tumbling 30% in the last six months.
London and Wall Street shares were down again this week as markets react to fears of a global downturn.
On Thursday the FTSE was down nearly 2% and the NASDAQ was down 3.65% after recovering slightly from previous sell-offs.
Why the markets matter to you?
· Taxes
· Investment
· Jobs
· Pensions and Savings
· Confidence
The market correction means billions has been wiped off the value of quoted companies, mutual funds, unit trusts and pension funds.
Chaos in Sri Lanka…does it matter?
How can you protect your savings?
5 things you need to know about money
-
How to earn more money
-
How to manage money
-
How to invest money
-
How to protect money
-
How to borrow money and use debt
You are losing money on your bank savings!
Learn how to create wealth and buy and control property using other people’s money!
Claim your free Wealth Accelerator Discovery Callwith me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
stockmarket #pension #ISA #money #earnmoney #jobs #investing #property #tax
Buying And Selling Property At Auction
UK PROPERTY TALK
Key things to consider when buying or selling at auction:
Do you know the difference between buying at auction and buying through the traditional private treaty method that most people use in traditional estate agencies?
Are you buying through traditional or modern auction?
Have you done ALL your homework and survey checks before the auction?
Have you got your finance in place ready to complete withing 28 days of a successful bid?
Are you able to complete the purchase within 28 days of the hammer going down?
Have you got your deposit - 5-10% of the agreed bid price - ready to pay on the day?
Watch video - https://youtu.be/cpFTKpiWbp0
If bidding in an online or physical auction have you ensured that you are fully registered to bid?
Have you read the legal pack or given it to your solicitor to check?
Have you done all your due diligence prior to the auction?
Have you considered why this property is being sold at auction?
Have you set your maximum bid limit?
Do you have a strategy?
Here at Open House South Herts we partner with modern auctioneers to help you sell your property fast with no vendor fees.
We have a number of properties coming up for auction soon listed on our Facebook page Open House South Herts - https://www.facebook.com/estateagentswatfordelstreeandborehamwood
charles.kelly@localagent.com
www.openhousesouthherts.com
property #propertyauction #buytolet #money #propertyinvestor
Strikes, Gas Shortages, Higher Interest Rates and Inflation Point To A Summer of Discontent and Recession
Rail unions strike for higher pay and better working conditions.
More industrial action on the way threatening to stall the economic recover and drive the country into recession.
The US and China, the world’s two biggest economies are also stalling, and Germany is facing gas rationing.
Inflation is at a 40-year high forcing central banks to raise interest rates pushing up the cost of borrowing for millions of cash-strapped consumers.
Stock markets recovered slightly after falling sharply last week.
People buying less at supermarkets as food prices rise, BBC reports.
Interest Free Loans Launched To Help The Financially Vulnerable
A Treasury-backed scheme offering interest-free loans to the financially vulnerable is being rolled out in various parts of the UK to help up to 20,000 people.
The UK government scheme will be run by credit unions and other lenders, with an aim is to offer emergency loans to people who would normally be turned down due to the fact they would be unable afford the interest payments.
The scheme was trialled in Manchester and is now being expanded in a larger pilot phase to various locations across the UK which will last for up to two years, after which a decision will be made on whether to roll it out further.
What will the No Interest Loan Scheme offer?
· Only available to people who have been turned down for normal borrowing
· Can borrow between £100 and £2,000. The average amount borrowed is £500
· Can borrow the money for six to 18 months. The average length of time is 12 months
· Customers can only have one no interest loan
Soaring inflation led interest payments on government debt to hit the highest amount for May on record.
Interest payments paid by the government for last month hit £7.6bn, up £3.1bn from a year earlier.
That’s around £245,000,000 a day just to cover interest on government debt!
Interest payments have totalled £14.1bn, up £4.7bn year on year, in the current financial year since April.
Taxpayers will ultimately have fund the cost of trillions in debt through higher taxes.
Even the Nasdaq darling, Netflix, is not immune to the economic slowdown announcing another round of job cuts as it struggles with slowing growth and increased competition.
The streaming giant is slashing 300 more jobs - roughly 4% of its workforce - mostly in the US, after a sacking 150 people in May. The news come after the company reported its first subscriber loss in more than a decade in April.
Learn how to create wealth and buy and control property using other people’s money!
Claim your free Wealth Accelerator Discovery Callwith me:
https://calendly.com/charleskelly/wealth-accelerator-discovery-call
Interest rates have been increased from 1% to 1.25%, the fifth consecutive rise, to reach the highest level in 13 years.
In America, the Fed went further raising rates by .75% to a target range of 1.5-1.75 percent and forecasts a 3.25-3.5 percent fed funds rate by year-end.
It comes as finances are being squeezed by the rising cost of living, driven by record fuel and energy prices.
Inflation - the rate at which prices rise - is currently at a 40-year high of 9%, and the Bank – which last year said inflation was “transitory” now warns it could surpass 11% by October. But everyone knows inflation is already well into double digits with heating and fuels bills doubling for many families.
Watch videoversion - https://youtu.be/hlTwicSwPIw
In a survey carried out by the BBC some people revealed that they are skipping meals to save money and cutting back on spending on luxuries and entertainment.
With no sign of oil and gas prices coming down soon, this all points to a recession.
Crypto collapse continues as BTC losses top 70%
Many major cryptocurrencies have fallen by up to a quarter of their value over the past day
Bitcoin crashed below $21,000 on Wednesday, dropping a further 10 per cent overnight to reach its lowest level since the end of 2020 - at $20,630 as I write.
Ethereum has collapsed from just under $5,000 in November 2021 to just over $1000 and other cryptos have fallen off the cliff.
Some cryptocurrencies have since recovered slightly, though analysts warn that the volatility may not yet be over.
Bitcoin is trading at $20,630, and has dropped 25% in the past five days alone its lowest value in 18 months. Its peak of almost $70,000, in November, feels like another era.
There has never been a more pressing time to learn how to manage your money – you can watch my free training video by clicking here - https://bit.ly/3H2WcbA
How to survive
What will you do to survive and even thrive in this recession?
80% OF PEOPLE WHO WANT MORE NEVER DO ANYTHING TO EARN MORE
Here are my 10 inflation-busting tips:
-
Loyalty cards and money saving and rewards websites can save you thousands
-
Maximise your returns on savings and investments and invest spare cash into assets
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Clear credit card debts as fast as you can or transfer to interest free offers
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Abandon ‘brand loyalty’ for better deals on similar products and services
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Shop wisely at discount store, look for price reductions and stay flexible
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Cook from scratch and avoid expensive pre-prepared microwavable meals
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Get control of your finances and stop spending more than you earn
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Earn more than you spend by increasing your income
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Get a part-time job – there are millions of job vacancies in the UK
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Start a part-time side hustle or retrain for a higher paid career.
JOIN ME FOR UK PROPERTY TALK SAT 28 MAY 2022 10AM
75% of mortgages are fixed
40% of fixed rate mortgages are fixed for 5 years.
More houses in the UK are owned out right with no mortgages than those with mortgages.
Register - https://contexttraining.aweb.page/p/c1e369d0-56b1-45a3-8264-0c0a7e875d23
click here to register
Apple will launch a new ‘buy now pay later service’ (BNPL) scheme in the US to spread the cost of purchases over four to six weeks.
The BBC reported last December that over 15 million people in the UK are already using BNPL services run by the likes of Klarna, Clearpay, Laybuy and PayPal.
Challenge to traditional; banks.
Citizens Advice reported concerns that 12 million adults are using BNPL services to pay for essentials such as food a toiletries.
Deferring payment will be made even easier with millions of iPhone users tapping their way into easy debt.
The BNPL market is expected to be worth £30 billion by the end of the decade.
Apple’s move comes as the cost of living has reached new highs with the cost of unleaded petrol hitting £2 per litre! One haulage firm said the cost of fuelling a truck has risen by £20,000 a year, which will be passed on to customers.
The pound fell this week after Boris Johnson survived a vote of no confidence.
Although the Queen’s Jubilee celebrations gave a welcome boost to spending on hospitality, consumer spending was down in May as the cost of living continued to rise, according to the British Retail Consortium.
Food prices continue to soar as India bans wheat exports and shortages are starting in some countries.
There is nothing new about consumer debt, but the speed and ease of obtaining credit almost instantaneously has changed in the last few years.
Consumer debt is “dumb” according to Warren Buffett, one of the world’s richest and most successful investors.
There has never been a more pressing time to learn how to manage your money – you can watch my free training video by clicking here - https://bit.ly/3H2WcbA
Good debt, used for instance to purchase assets, such as property, or start businesses, is smart borrowing, as I explain in my book, Borrow and Grow Rich.
The rich and wealthy have been using smart borrowing or ‘other people’s money (OPM) for centuries to finance business ventures and build huge property portfolios.
You can learn the secrets of property investing using OPM and build your own portfolio.
With inflation running at near double figures the real purchasing power of your cash is being eaten away and will halve every 8 years if consumer prices continue to rise by 9%pa.
However, you can use inflation to your advantage using the right assets and good debt.
FREE TRAINING – PROPERTY INVESTING SECRETS
This Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you 120 minutes of valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday 8 June 2022 at 7pm UK time.
CLICK TO JOIN THE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
Has The Property Market Crash Started?
In this episode:
Market slowdown has already started in UK and US.
Sales activity slowing as mortgage rates soar.
Property slowdown usually follows a stock market fall, which has happened.
Affordability at record high
Average UK salary - £31,772 (2021)
Average UK house price £278,000 (March 2022)
278,000/31772 = 8.75 x average salary to buy an average property in the UK
Inflation over 8% in US and Eurozone, which means higher interest rates.
Higher rates could crash the already weakened economy.
How will UK market react?
A 20% drop in prices will still only leave us to the market was in 2020.
Buying and selling at auction – UK Property Talk
JOIN ME FOR UK PROPERTY TALK SAT 4 June 2022 10AM
Buying and Selling at Auctions – click here to register
https://contexttraining.aweb.page/p/c1e369d0-56b1-45a3-8264-0c0a7e875d23
FREE TRAINING – PROPERTY INVESTING SECRETS
This Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you 120 minutes of valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday 8 June 2022 at 7pm UK time.
CLICK TO JOIN THE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
How To Solve The Energy Crisis At A Stroke
Soaring oil and gas prices are crippling western economies and ordinary people are suffering. But there is a way western leaders can end the energy crisis in an instant…watch video.
Check out full video - https://youtu.be/t-yniGn_SKA
ECB Warns Of Housing Market Bubble
The European Central Bank has warned this week that a housing market correction – caused by faltering economies, inflation and the Ukraine war – could put banks at risk of defaults and hit low-income families.
Windfall tax to help people with fuel bills announced
In the UK, Chancellor Rishi Sunak has announced a £5 billion package to ease the burden on soaring energy bills for millions of households. The aid will be funded by a controversial ‘windfall tax’ on energy companies which have profited from record oil and gas prices.
Every household will receive £400 through their energy bills and the poorest will also receive £650 to help with the rising cost of living.
FREE TRAINING – PROPERTY INVESTING SECRETS
This Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you 120 minutes of valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.
Live training Wednesday 1 June 2022 at 7pm UK time.
CLICK TO JOINTHE LIVE ONLINE EVENT
https://bit.ly/3DlSlCL
JOIN ME FOR UK PROPERTY TALK SAT 28 MAY 2022 10AM
Number of rental properties growing in the UK – click here to register
New research shows the number of UK rental properties has grown by over 1.1m in the last decade, placing the UK in the top 10 globally when it comes to the balance between homeownership and renting.
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Global share prices experienced sharp falls in UK, US and Asia as rising prices and slowing economies spook investors.
On Wednesday, US shares recorded the biggest one-day drop in two years since the start of the pandemic.
The NASDAQ plummeted 4.7% and has opened down again continuing a longer-term decline – down 18% YTD and the DOW JONES declined 14% since the start of 2022.
It’s not only tec stocks being sold off. Blue chips, like Unilever and Tesco’s, have also dropped by 4.4% and 5% respectively. The biggest Faller on the UK market was Royal mail plummeted 12%. The UK FTSE 100 index fell 150 points today.
Inflation
Inflation is eating away at your savings as well as costing you more to live. The buying power of your money in the bank is falling by around 10% every year, which means that £1000 will be worth just £900 next year.
In other words, in 12 months’ time your £1000 will buy you the equivalent of £900 of the same goods. In the meantime, the price of those goods are going up by 10%.
If inflation figures were calculated in the same way as they were previously headline rate would be double today’s official rate.
Main points:
· Retail prices index rising by 13% pa and includes the price of all goods excluding property costs – which have gone up massively.
· Manufacturers price rises rising by over 15% pa.
· Commodities, such as oil, wheat, fertiliser and animal feed have gone up by 50% to 100% in some cases.
· The war is not causing inflation, sanctions are.
· UK economy fell in April by 0.1%.
· US economy declines for first time since 2020.
What can you do to protect yourself and your family?
UK Property Talk Show 10AM Saturday.
Click link to join: - https://bit.ly/3sjxRa1
How can you not only protect your savings against inflation but also increase the value of your money!
Invest in real assets which appreciate in value over time, such as property and shares in profitable businesses.
Join me on UK Property Talk to discuss this and other property matters this Saturday at 10 am.
Click here to register for UK Property Talk - https://bit.ly/3sjxRa1
Trouble Ahead For UK Landlords As Section 21 ‘No Fault Evictions Will Be Abolished
In this episode:
· Renters Reform Bill announced in Parliament.
· Planning reform
· Property prices
· Demand has jumped for properties where all the bills are included in the rent, according to Rightmove.
· The property website said inquiries for build-to-rent homes with bills included had risen by 36% over the past year.
· It comes as two students had to pay £27,000 up front to secure a Cardiff flat, due to rental market demand.
· The Welsh government plans to consult on rent control for private rentals.
· Rents are rising at the fastest rate for more than 13 years, according to property experts Zoopla. They said this is because of limited supply, caused by an "exodus" of private landlords.
· Last month, Wales had the biggest annual jump in rental prices outside of London - up 13.9% to £882 per month according to Rightmove.
UK Property Talk Show 10AM Saturday.
Click link to join: - https://bit.ly/3sjxRa1
UK Economy dips last month following US quarterly fall in output.
The vast majority of 'buy-to-let' landlords are small investors with one or two properties, and many are accidental landlords. Landlords I have spoken to said they would pull out of the market if 'open tenancies' were forced upon them and would be too nervous to rent out a property to a tenant were they would not be sure about getting back possession at the end of the tenancy.
Join me on UK Property Talk to discuss this and other property matters this Saturday at 10 am.
Click here to register for UK Property Talk - https://bit.ly/3sjxRa1
You will be sent a link to join this exclusive live event.
Interest rates rise as Bank of England warn of recession and 10% inflation
The Bank of England has warned that the UK economy will shrink this year as it raises interest rates to try to stem the pace of rising prices.
Base rates were hiked to 1% from 0.75% (50% higher), their highest level since 2009 and the fourth consecutive increase since December.
With fuel, energy and food costs soaring partly due to the Ukraine war, inflation is now at a 30-year high and will reach 10% by the end of the year, according to Bank of England Governor Andrew Bailey.
Ordinary people are starting to rein in spending which is hitting growth.
Watch video version – Click here https://youtu.be/ccHYLfMXBwA
Will higher interest rates curb inflation?
Higher interest rates make it more expensive for consumers and businesses to borrow, leading to lower spending and demand. People start spending less, demand for goods and services cool slowing the pace of price rises.
However, there are some economists who think that that increases in interest rates may have little effect in a situation of rising global oil and gas prices.
The Bank of England’s Monetary Policy Committee (MPC) said the UK economy is expected to contract in the final three months of this year. It is also expected to shrink by 0.25% in 2023, down from the Bank's previous forecast of 1.25% growth.
The MPC has also slashed its growth outlook for 2024 to 0.25%, down from 1%.
Bank of England governor Andrew Bailey said the UK was set for "a very sharp slowdown" but declined to call it a recession.
A majority of six members of the Bank's MPC voted to lift interest rates to 1% but the remaining three members wanted a steeper rise to 1.25%.
The Bank now expects inflation to hit 9% in the coming months - up from its previous forecast of 8% - and to reach 10.25% by the end of the year.
Fed raise rates by highest in 22 years
The US central bank has announced its biggest interest rate increase in more than two decades as it toughens its fight against fast rising prices.
The Federal Reserve said it was lifting its benchmark interest rate by half a percentage point, to a range of 0.75% to 1% after a smaller rise in March.
With US inflation at a 40-year high, further hikes are expected.
Last year, the Fed and BOE claimed that inflation was transitory and temporary.
Stock markets around the world ended the week in the red with the Nasdaq falling 5% on Thursday, the largest fall in two decades.
To help you get through this and come out stronger at the other end I am offering subscribers a free MONEY MASTERCLASS.
Join me for an intimate Money Masterclass this Wednesday
The NEW WAY to build your wealth, IMMEDIATELY GET CONTROL of your money and learn how you can become FINANCIALLY FREE in 28 days using my S.M.A.R.T MONEY FORMULA!
With inflation at a 30-year high there has never been a better time to join me for this brand new Money Masterclass!
I am inviting a small group of people only to join me this WEDNESDAY 7PM for an intimate S.M.A.R.T Money Masterclass!
REGISTER HERE - https://contexttraining.aweb.page/p/101d6194-4fe4-4036-8cc8-615ecc35f857
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The world’s largest economy contracted by an annualised rate of 1.4% in the first three months of this year. The sharp drop follows growth of over 6% in the final quarter of 2021.
Business insolvencies in England and Wales jump to 60 year high.
Rapid increase in voluntary liquidation is driven by inflation and supply chain difficulties.
World Bank warns of human food catastrophe and war causes shortages and soaring prices.
Food prices are now at the highest rate since UN Food Index tracking records began 60 years ago after jumping 13% in March.
Watch video version
What does inflation mean to you?
The costs of goods and services has risen by 49.4% since 2010, which means you need £14,936 to have the same buying power as £10,000 in 2010.
Stock Markets jittery
Stock markets in Europe and Asia fell sharply this week at n fears of Chinese lockdowns but later recovered.
House prices still rising in the UK
A shortage of family homes continues to drive up demand despite recent interest rate rises.
3 quick tips to GET CONTROL of your finances in times of rising prices.
1. Get control of your outgoings and expenditure.
2. Get control of debt.
3. Get control of spending.
Also check out my ‘5 Inflation-Busting Tips’ for money saving ideas to help you through this. -https://youtu.be/2jZCO4V7uX0
Make the most of your money and resources and learn how to get control and manage your finances.
Consider investing in real assets which tend to hold their value and act as a hedge during times of high inflation.
Assets like property, stock and shares and gold have long been held as a long-term inflation hedge.
Do people get rich during recessions and depressions?
The answer is yes!
To help you get through this and come out stronger at the other end I am offering subscribers a free MONEY MASTERCLASS.
Join me for an intimate Money Masterclass this Wednesday
The NEW WAY to build your wealth, IMMEDIATELY GET CONTROL of your money and learn how you can become FINANCIALLY FREE in 28 days using my S.M.A.R.T MONEY FORMULA!
With inflation at a 30-year high there has never been a better time to join me for this brand new Money Masterclass!
I am inviting a small group of people only to join me this WEDNESDAY 7PM for an intimate S.M.A.R.T Money Masterclass!
REGISTER HERE - https://contexttraining.aweb.page/p/101d6194-4fe4-4036-8cc8-615ecc35f857
Secure your seat now!
Food shortages and even rationing could be on the way as the Russia Ukraine war continues.
Sanctions against Russia are forcing up the price of everything from oil and gas to wheat and Fertiliser chemicals. This is adding to existing problems of inflation caused by ‘government money creation’, soaring shipping costs and supply chain issues in China.
Farmers are warning of coming food shortages, as items like cooking oil disappear from supermarket shelves.
Watch video version.
Economy is in winter season right now but…winters don’t last forever!
· Bulk buy non-perishable consumer goodsand food as a hedge against inflation
· Buckle down, tighten your belts and get through this, you will survive!
· Consider spreading the cost on direct debit to cushion the blow.
· Build your credit lines and watch your credit rating like a hawk.
· Earn more cash by doing part-time jobs or a side-line business.
Watch my ‘5 Inflation-Busting Tips’ for money saving ideas to help you through this. -https://youtu.be/2jZCO4V7uX0
Join me for an intimate Money Masterclass this Wednesday
The NEW WAY to build your wealth, IMMEDIATELY GET CONTROL of your money and learn how you can become FINANCIALLY FREE in 28 days using my S.M.A.R.T MONEY FORMULA!
With inflation at a 30-year high there has never been a better time to join me for this brand new Money Masterclass!
I am inviting a small group of people only to join me this WEDNESDAY 7PM for an intimate S.M.A.R.T Money Masterclass!
REGISTER HERE- https://contexttraining.aweb.page/p/101d6194-4fe4-4036-8cc8-615ecc35f857
Secure your seat now!
REGISTER HERE- https://contexttraining.aweb.page/p/101d6194-4fe4-4036-8cc8-615ecc35f857
Join me LIVE…
Here’s a reminder of what we’ll cover in the training:
1. HOW TO GET CONTROL OF YOUR FINANCES
2. HOW TO BE FINANCIALLY FREE IN 28 DAYS
3. HOW TO ACCUMULATE WEALTH
REGISTER HERE
With so much uncertainty in the world, with businesses, jobs and the economy being turned on its head, there's never been a better time to take ownership for what you can control!
Book your place now NOW.
I look forward to seeing you there!
P.S. There are limited places available. We’ve had a HUGE response already! Do not miss out - REGISTER YOUR SEAT NOW REGISTER HERE - and join me to discover how to build wealth, IMMEDIATELY GET CONTROL of your money and learn how you can become FINANCIALLY FREE in 28 days using my S.M.A.R.T MONEY FORMULA!
The controversial Tesla boss has offered $54 a share valuing Twitter at $40 billion.
Musk, who refused a seat on the board after becoming Twitter’s largest shareholder earlier this month, said he is the right person to “unlock” the social media platform’s “extraordinary potential”.
As the share price jumped 5%, he warned that he would have to “reconsider” his stake in the company if his bid was refused.
The billionaire has taken Tesla from start-up to the world’s most valuable car maker.
See video version- https://youtu.be/NcZztHe9qzs
Trouble ahead as consumer prices reach highest level since 1992
“Over 36 countries depend on Russia or Ukraine for half their wheat imports”
Antonio Guterres, UN Secretary General
In a broadcast this week, the UN Secretary General warned of rising poverty and added:
· Wheat up 30%
· Oil up 60%
· Natural Gas up 50%
· Fertiliser up 100%
These essential commodities affect all our daily lives and have risen in price far above the published inflation rate.
Official CPI inflation in the UK is now at 7% pa and, with commodity prices soaring, could reach double digits before the year end.
Prices are going up at the fastest rate for 30 years when the UK was in recession and the property market was stagnant.
Pay rises are falling behind against the cost of living, which means people have less money to spend on luxuries after paying for essentials.
Businesses are facing the dark prospect of higher costs and lower income.
Savers are seeing the value of their capital eroded by inflation – every £100 will buy £93 next year if the rate stays the same.
Economy is in winter season right now but…winters don’t last forever!
· Buckle down, tighten your belts and get through this, you will survive!
· Consider spreading the cost on direct debit to cushion the blow.
· Build your credit lines and watch your credit rating like a hawk.
· Earn more cash by doing part-time jobs or a side-line business.
· Bulk buy non-perishable consumer goods and food as a hedge against inflation.
Watch my ‘5 Inflation-Busting Tips’ for money saving ideas to help you through this. -https://youtu.be/2jZCO4V7uX0
Make the most of your money and resources and learn how to get control and manage your finances.
Consider investing in real assets which tend to hold their value and act as a hedge during times of high inflation.
Assets like property, stock and shares and gold have long been held as a long-term inflation hedge.
Remember, you are not alone. Get help, take advice, and use debt counselling services like Citizens Advice if you are having trouble.
Can you take proactive steps to increase your wealth?
Do people get rich during recessions and depressions?
The answer is yes!
To help you get through this and come out stronger at the other end I am offering subscribers aFree Wealth Discovery Accelerator Call. - https://calendly.com/charleskelly/wealth-accelerator-discovery-call
I will personally speak to you to help you accelerate your wealth building journey. Click HERE to schedule a call with me.
UK house prises continue to rise due to a shortage of family homes, the Halifax reports
Despite the worst recession since the second world war, the price of the average home in the UK has rocketed by £43,577 since the start of the first lockdown two years ago, the Halifax has said.
The UK’s biggest mortgage lender said the 18.2% rise increased the cost of an average home to £282,753.
Buyers seeking more space saw a 21% rise in the price of detached homes compared with a 11% rise in flat prices over the same period.
Higher mortgage rates will start to reduce buyer affordability and the amount people can borrow, which may dampen prices.
Increased living costs will inevitably affect how much first-time buyers can save, borrow and spend on a property.
As we enter the traditional springtime buyer activity season, estate agents are already reporting continued demand and a shortage of larger family houses, which means sellers can obtained higher prices.
Funeral plan provider goes bust – what do you now if you have a prepaid plan?
Following the recent utility providers bankruptcies, another inflation-led disaster is brewing in the funeral industry. Safe Hands, a UK ‘prepaid funeral plan’ provider, has collapsed into administration, leaving thousands of customers worried about what to do now, plus many others concerned that other companies will follow suit amid soaring costs and inflation.
Insurance vs Prepaid Funeral Plans
Full article
Other Financial News
NI tax rises kick in, most employers and employees will pay an extra 1.25p in the pound, but lower paid will pay less due to recent threshold changes in Rishi Sunak’s budget.
Economic winter
The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
To help you get through this and come out stronger at the other end I am offering subscribers aFree Wealth Discovery Accelerator Call.
I will personally speak to you to help you accelerate your wealth building journey. Click HEREto schedule a call with me.
Are Your Learned Limiting Beliefs Holding You Back?
Many of us have baggage that we carry around throughout our lives like a camel.
Most of these limiting beliefs or fixed ideas are things that we have learnedthrough experience from people or events in our lives. Some of these come from a parents, friends, lovers, teachers and so on.
Watch video version.
Unfortunately, many of these beliefs are negative. They have not come from successful, positive people, but usually from unsuccessful, negative people that we encounter in our lives.
We carry these beliefs around like backpacks which weighs us down throughout our lives.
We drag them into new relationships and expect people to accommodate us and our emotional baggage.
Examples of these beliefs could be:
· I don’t trust men, I don’t trust women
· Rich people are greedy crooks or evil
· Money is the root of all evil or is bad for us
· People who are nice to us want something in return.
· People of a certain race, age or gender are this way or that way
Learned beliefs are deeply ingrained into our minds like a default setting, which you can replace with a new setting.
We will continue to carry beliefs around and unless we deal with them they will slow us down for the rest of our lives.
Instead of taking the ‘beliefs backpack’ off of our backs and mentally throwing on a virtual fire, we expect people to “deal with it” because “this how I am” so “take it or leave it”!
There are many books, techniques and guided meditations available to help you unblock or get rid of limiting beliefs.
Find something that works best for you and helps free you from any beliefs which are holding you back.
Economic winter
The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
5 Inflation-Busting Tips To Survive The Coming Recession
Spring may be in the air, but the economy is still very much in winter!
Like the seasons, the economy and markets are subject to natural cycles. We have had a long upturn and bull market and now we are entering a downturn or bear market.
Inflation has reached a 40-year high, prices of everything going through the roof and a war causing a food a fuel crisis.
Stock markets have been falling from their recent highs, and the property market may have reached a peak as demand slows.
Watch videoversion - https://youtu.be/2jZCO4V7uX0
Last week, hundreds of workers for P&O Ferries were fired without warning on Twitter and replaced by cheaper agency staff.
How would you cope if you lost your job?
Do you have sufficient savings to pay your bills?
How long will your savings last?
What will you do to survive and even thrive in this recession?
Here are my 5 inflation-busting tips:
-
Loyalty cards and money saving and rewards websites can save you thousands
-
Maximise your returns on savings and investments
-
Clear credit card debts as fast as you can or transfer to interest free offers
-
Abandon ‘brand loyalty’ for better deals on similar products and services
-
Get control of your finances and stop spending more than you earn
Winters are tough but they never last forever. Like the farmer who prepares for the next season’s work, now is the time get ready and come out even stronger when the recession ends.
To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home.
Check out my new training to help you get control of your financesand learn how to become financially free in 28 days!
Click to join: https://bit.ly/3isugCr
money #business #stockmarket #property #foodprices #freetraining #financialfreedom #inflation
The US Federal Reserve is raising interest rates for the first time since 2018 in an attempt to bring fast-rising prices under control.
The US central bank said it was lifting its benchmark rate by 0.25% and signalled plans for further rate rises in the months.
Watch video version
The Bank of England increased rates for the third time in the last six months to .75%.
The moves come as the economy faces new uncertainty caused by the Ukraine war and coronavirus outbreaks in China.
They are expected to have widespread global repercussions.
By increasing rates, the Fed will make it more expensive for households, businesses and governments to borrow.
It is hoping that will cool demand for goods and services, helping to ease price inflation in the US, which hit a new 40-year high of 7.9% last month.
U.S. and other global stock prices have been falling since the Federal Reserve warned that they would finally slow down their massive monthly bond-buying scheme and begin hiking interest rates – kept artificially low since the 2008 financial crash - in 2022.
The Fed's aggressive bond-buying scheme literally just ended last week.
Rising interest rates do not necessarily mean falling stock prices, as was the case in previous hikes.
Consider this simple chart I recently created which shows how the S&P 500 index has reacted to Fed interest rate changes over the last 20 years.
US stocks ended 2.2% higher on the news.
· OECD warns that Ukraine war “could” hit world growth, really? We’d never have guessed!
· What is the real inflation rate…and what are the consequences of soaring prices for ordinary people?
· Free Financial Training!
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
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property #inflation #money #business #stockmarkets #interestrates #nomoneydownproperty
Sanctions on Russia are having a negative impact on Western economies at a time when they were starting to recover from the pandemic led recession.
As the US and UK bans imports of Russian oil, and price of oil soars to near record levels, it has been reported that Middle East leaders refused to speak to President Biden. This could signal a major shift in the world balance of power away from US dominance.
View Video Version - https://youtu.be/_Z0_kwsD8rs
Food prices will rise even higher as wholesale wheat and fertilizer prices rise.
The price of filling up the average family car with petrol has gone above £90, and in the US where petrol was always so cheap it has now hit $4 a gallon.
This will inevitably mean less available money for people to spend in the wider economy.
Stock markets around the world have been falling in the last month, but commodity prices and precious metals are going through the roof!
Take a look at Gold, Silver, platinum and Uranium.
· Gold up 13.9% in last month.
· Silver up 13% in the last month
· Palladium up 9%.
The price of Uranium, used in nuclear fuel, has risen to a near 10 year high and 30% in the last six weeks. Some Uranium stocks have shot up by over 50% recently.
When you include higher interest rates, this mirrors the situation we had before the 2008 financial crisis.
The price of oil impacts just about every part of our economy.
Money Saving Tips
There have already been warnings last year of rising food prices due to higher fuel costs, and even the UK post office has announced that it will be increasing the price of a first class stamp by 10p to 95p on the 4th April.
Tip. If you want to stock up on stamps you could save yourself a 12% rise, which about 120 times more than you can earn leaving your money in the bank on deposit!
If you live in the UK, now is the time to start thinking about topping up your ISAs and Pensions before the end of the tax year on 5 April.
Don’t leave your money in the bank! Well, not the same bank anyway.
Firstly, your deposits are only protected up to £85,000 by the Deposit Protection Scheme.
Secondly and more importantly, you could double the return on your deposits and ISAs by switching banks for a better deal. My own bank has not increased savings rate despite TWO recent interest rate hikes. Loyalty does NOT pay!
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2.
Oil and Gas price soar amid supply chain worries after the Russian invasion of Ukraine.
With inflation already soaring to 30-year highs there is no sign of relief for businesses and consumers recently hit with higher prices for petrol and gas.
UK and European stock markets fell sharply with the FTSE 100 closing down 190 points (2.57%) and the FT250 down 696 or 3.57%. US markets are also down wiping billions of dollars off the value of western companies.
Watch video version
Russia’s economy appears to be in freefall as sanctions force a collapse of the Rouble and Russian stock market. Businesses are severing ties with Russia and lending markets are being closed off.
Property News
HMO landlords renting rooms on an ‘bills included’ basis will be hit with massive cost increases this year. Gas prices have already doubled and could go even higher if the war chokes off supplies.
The Nationwide survey was published this week and reported a 12.6% annual increase in UK house prices to February 2022.
The cost of a typical UK home rose by a record £29,162 in the last year, the biggest cash increase in property prices since it started collecting comparable data in 1991, according to the Building Society.
The price of an average UK home is £260,230 but around double that figure for most of London and the Southeast.
Property prices are being driven by continued demand from buyers who are competing for relatively few properties on the market, especially larger homes outside of big city centres.
Second property owners in some parts of Wales could face a 300% council tax hike in a bid by the Welsh government to make homes more affordable for local people.
London sales and rentals appear to be bouncing back as people start to return to the office, but retail shops and cafes have taken a hammering in the last two years and thousands have closed for good.
Take a look around any shopping mall or high street and you will see many empty units.
Whether property prices can continue to rise in the current economic climate remains to be seen.
You can learn how professional property investors make money whether the average market is moving up or down, with the biggest opportunities coming during a recession or downturn which is looking more and more likely.
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Markets Crashing Around The World As Russia Invades Ukraine
Billions are being wiped of the value of stock markets all over the world today on the news that President Putin has sent his army into Ukraine.
The prices are flashing red and moving down. On Thursday, the FTSE lost over 3% or 300 points and the Dow Jones was down nearly 700 points by 2%.
Watch video version - https://www.linkedin.com/groups/8943012/
The FTSE is down 10% since January. The US S&P and Nasdaq indices are also down over 10% from recent highs, which is entering into correction territory.
Oil topped $100 a barrel and gas prices jumped again threatening to send western economies further into recession. Consumers will be hit with higher petrol, gas and food prices as sanctions are imposed on Russia.
Will property follow stock market falls?
Property prices in the US could have peaked after a 20% spike last year as higher mortgage rates (anticipating a rate increase by the Fed) are already hitting buyers and refinance applicants.
UK average asking prices in February were up by a record £7,785 compared to last month.
Demand is being driven by ‘second steppers’ in search of more space sending prices nearly £40,000 higher than since the start of the pandemic.
The price of property coming to market rose 2.3% in February, or £7,785, according to Rightmove’s latest House Price Index.
Whilst the UK market is still buoyant, the two recent interest rate hikes to .5% will make it more expensive to buy and remortgage property.
End of tax year tax saving hints.
With the end of the fiscal year looming on 5 April, now is the time to start tax planning your ISA and pension contributions.
You can put up to £20,000 into a tax-free ISA each fiscal year, as well as maximising your pension contributions.
If you are in the UK and earn less than £18,570 a year from income and savings interest, your savings interest is tax-free due to tax-free savings and the starting savings rate.
There are other more specialist tax saving investment schemes, such as Enterprise Investment Scheme (EIS) and Venture Capital Trusts(VCTs). Talk to an independent final adviser.
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2.
property #inflation #money #business #stockmarkets #interestrates #nomoneydownproperty #financialfreedom #isa #pension #EIS #VCT #mortgage #mortgage #propertybuyer
What can you do to prepare for the coming recession?
Signs of a downturn include:
Watch video version
8 tips to survive the coming recession
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Make a spreadsheet of all your income and outgoings. I cover this in my books and many of my podcasts. This is vital if you are going to get control of your finances and a must during a downturn when your income will be squeezed.
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Tighten your belt. Cut out all unnecessary expenditure and check those standing orders and direct debit‘s to get rid of memberships and services you no longer require or use. Unfortunately, this has a knock on effect on businesses and almost becomes a self filling prophecy driving the world further into recession.
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Reduce credit card balance or pay off if possible. With credit card interest running anywhere between 18 and 40%, it makes no sense to have money in the bank earning less than 1%. You should still have a cash reserve but if you can pay off cards or switch them to lower interest or interest free deals then by all means do so as this will save you a fortune in interest payments.
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Build up a cash reserve of 6 to 12 months of outgoings. This is essential during a downturn when the job may not be safe. Everyone should have cash reserves equivalent to 6 to 12 months of household expenditure. In reality, 90% of people have no savings and are only a couple of salary payments away from bankruptcy and homelessness.
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Take a part-time job to earn extra money or change jobs. With inflation running at record rates, your income, even with pay rises, will not be keeping pace with rising costs. You may need to consider finding ways of earning extra money through a part-time job or home-based business.
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Review your investments. Review your investments to ensure that you are not exposed to a stock market downturn or crash. This includes your pension funds and any savings ISAs or mutual funds. Seek independent financial advice. Fund managers and advisers will often advise you to stay in the market even if it’s going down.
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Review your mortgage, insurance loans and suppliers. Reviewing your loans and suppliers can save your fortune and is even more important during the recession. Loyalty does not pay. I have saved thousands of pounds by switching mortgages, utility suppliers and insurance contracts.
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Finally, stay positive and plan to come out of this recession even stronger. During a recession, many people give up and say things like, there’s no point in working because nobody’s got any money. Make sure you are working harder than the competition.
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With central bank rates rising around the world to control inflation, mortgage rates will be going up for millions of borrowers.
If you have a long-term fixed rate mortgage you have nothing to worry about at the moment. However, roughly one quarter of borrowers in the UK are on variable or tracker rates, which means they could be facing substantial payment increases as base rates look set to continue upwards.
The UK has just increased rates again - by .25% to .5%, and the US Federal reserve in look set to raise interest rates earlier than expected to combat a 7.5% inflation rate not seen since the 1980’s.
City property rental increases as workers return to office
Zoopla reports that the cost of renting a property in a city centre is going up as office workers, students and international residents come back. The UK is effectively dropping Covid restrictions this month and cities appear to be getting back to some form of normality.
Renters are paying an average of £62 more a month than pre-pandemic rents Zoopla found.
Unlike the US, most UK borrowers are on relatively short-term fixed rate mortgage deals, which means they could be in for a nasty shock when their rate expires.
Now could be the time to talk to your financial adviser or mortgage broker about switching before rates go up again? Check the lender penalties to calculate the benefits of switching now.
Mortgage lenders also whack on hefty fees for giving you a mortgage rate, plus early redemption and final redemption fees, which they used to call a ‘deed handing fee’!
End of tax year tax saving hints.
With the end of the fiscal year looming on 5 April, now is the time to start tax planning your ISA and pension contributions.
You can put up to £20,000 into a tax-free ISA each fiscal year, as well as maximising your pension contributions.
If you are in the UK and earn less than £18,570 a year from income and savings interest, your savings interest is tax-free due to tax-free savings and the starting savings rate.
There are other more specialist tax saving investment schemes, such as Enterprise Investment Scheme (EIS) and Venture Capital Trusts (VCTs). Talk to an independent final adviser.
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2.
Interest Rates Double To 0.5% To Cool Soaring Cost Of Living As Energy Bills Jump By £800 To An Average Of £2000 PA
The Bank of England have hiked base interest rates for the second time in months to curb inflation, with food inflation running at over 20%.
Press rises for basic utilities will inevitably suck money out of the wider economy driving the country into recession.
The ECB is widely expected to raise rates and the US Fed could follow. Stock markets around the world are still falling again today threatening a correction or crash. UK stock markets are down by half a percent and the Dow Jones and NASDAQ by over 2% today.
Life is going to get tougher this year for millions of people in Europe and America as the coming recession starts to bite. Prices are rising much faster than incomes as the “rich get richer and the poor get poorer”.
Now is the time to protect your assets and plan for your future. You could be in for a bumpy ride in the next few years.
Facebook’s growth faltered for the first time as user numbers fell. Shares plunged 20% wiping $200 billion of the value of parent company Meta.
PayPal value also plunges as it shuts down 4.5 million false accounts.
Property prices in the UK continue to increase year-on-year by an average of 11% as the market defies economic reality. Anyone owning assets, such as property, has become richer in the last few years.
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2.
property #inflation #money #business #stockmarkets #interestrates #nomoneydownproperty #financialfreedom
The US economy expanded at its fastest rate in decades last year as it bounced back from lockdowns.
Official figures from the Commerce Department revealed that the economy grew by 5.7% and by 6.9% in the last quarter – the highest growth since 1984.
However, the US Federal Reserve announced this week that a rate rise is 'appropriate' soon, while analysts expect growth to slow this year, due to government scaling back stimulus spending.
Rising inflation, new Covid variants, such as Omicron are further threats to the economy.
The World Bank forecasts that the US economy will grow by 3.7% this year, while OECD said the UK’s GDP will grow by 4.7% in 2022 and is almost back to pre-pandemic levels.
Major stock markets have been sliding in January, with the Nasdaq down 13.35% and Dow Jones 5.06% in the last month but have so far resisted a correction or full-blown crash.
Billionaires like Elon Musk have been dumping billions of dollars of their own stock, a sure sign that they know the party is over.
We are living in volatile times. shares are overpriced, central banks have printed money like there’s no tomorrow, inflation is reaching levels not seen since the 1980’s, Russia could be about to invade Ukraine and China is watching the west while it eyes Taiwan.
What is your personal inflation rate?
The UK official inflation rate is 5.4%, but essential items such as fuel, food and household items are up by as much as 50%.
New immigration identity checking system for landlords and employers.
The Home Office has recently announced a new digital ID checking tool for landlords and employers to help prevent abuse of the UK immigration system.
A press release published on the UK government’s official website, the technology will ‘make it quicker, safer and more convenient for landlords and employers to carry out right to rent and work checks.
The checking system will start on 6 April 2022 and certified identity service providers (IDSPs) will be able to use Identification Document Validation Technology (IDVT) to carry out right to work checks and right to rent checks on behalf of UK and Irish citizens.
Frugality is good for your health
Spending wisely cannot only improve your bank balance but also your health.
That’s because poor spending habits are often linked to unhealthy pursuits, such as smoking, drinking and gambling.
Get control of your finances in 2022.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2.
UK Inflation rises again to the highest level for 30 years
UK inflation has hit 5.4% mainly due to supply chain issues and soaring food and fuel prices, prompting fears that the Bank of England could raise interest rates again next month.
Prices in the shops for basic everyday things have risen much faster than 5.4%. In some cases prices have risen by 50%, for basic items like bread, or package sizes have reduced by 10 to 20%.
The UK is expected to grow faster than any other G7 economy as it comes out of the pandemic with more freedom than its European counterparts.
Goldman Sachs reports that the UK economy will be larger than France and Germany by 2040, largely due to its younger demographics.
Stock markets have been jittery this month, while property continues to boom in the UK and Ireland where demand outstrips supply of family homes.
Can you buy property with ‘No Money Down’?
Bitcoin languishes around $42,000, well off its high last year. Silver has been rising.
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON!
I cover financial education and money mindset in my books, like Borrow and Grow Rich (available on Kindle now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich.
Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
DOWNLOAD CHAPTER ONE AND TWO FREE
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DISCOVER HOW THOUSANDS OF ORDINARY BRITS ARE QUIETLY GETTING RICH USING NONE OF THEIR OWN MONEY!
The online ‘No Money Down Discovery’ training will reveal the many ways you can create a job replacing income from property using none of your own money.
Skilled trainers will reveal proven, successful methods for you to cash in on right now, even if you have no previous experience and little to no finance. The knowledge you’ll be taught at this event will include creative and sustainable money-making systems, alongside rock-solid negotiation techniques to help you carve out the deals that will work best for you.
The experienced trainers have all 'been there, done that’ and you can relax in the certainty that you are getting the expert help you deserve! Register your place here.
To register: https://bit.ly/3FLiyMm
Interest Rates Will Rise In 2022 – Time To Fix Your Mortgage Rate?
Interest rates in the UK have already risen last year to 0.25% to curb soaring inflation, but rates may rise again as the cost of living continues to go up.
Are you prepared for interest rate hikes?
When will stock markets fall?
Will property prices go down?
People will always need somewhere to live and wealth, life expectancy and population has increased significantly over the last 50 years. China has taken a billion people out of poverty and become the second largest economy in the world.
Affordability and interest rates could slow the market down this year.
Property prices generally go up and sometimes fall for a few years, but in the long term they move in an upward trajectory.
If you have a low fixed rate and income, personal or rental, then you should be safe in the long term.
Crypto currencies have taken a hit in the last few weeks.
SPECIAL APPEAL
We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines.
You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
Can you get rich by saving alone?
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON!
I cover financial education and money mindset in my books, like Borrow and Grow Rich (https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
DOWNLOAD CHAPTER ONE AND TWO FREE
https://charleskelly.clickfunnels.com/optin1639410805951
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
How are your resolutions and plans going?
Do you want to lose weight, get fit, lead a healthier life or do something to improve your finances?
Maybe you’re on a ‘Dry January’ programme?
My gym was full this month of new members hoping to get fit and lose weight, but experience shows that many of them will sadly drop out within a few months.
Make 2022 your best year ever! See: How will you prosper in 2022? - https://moneytipsdaily.com/how-to-prosper-and-make-your-dreams-become-reality-in-2022
I have just published my new book – Borrow and Grow Rich :-
https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
In this episode I want to introduce a very special guest.
KD Angle is a successful market trader with experience in both futures and stocks who started trading in 1979 during the last inflationary period.
His book is only available at the book’s website which is called: www.Guillotineinvesting.com
SPECIAL APPEAL
We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of some of our favourite food supplies, millions of people around the world are starving.
You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
Can you get rich by saving alone?
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON!
I cover financial education and money mindset in my books, like Borrow and Grow Rich (available on Kindle now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich.
Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
DOWNLOAD CHAPTER ONE AND TWO FREE
https://charleskelly.clickfunnels.com/optin1639410805951
Nationwide and the Halifax have predicted the market would slow next year because the stamp duty holiday, which ended in September, forced buyers to bring purchases forward.
Nationwide also said the slowdown could be made worse by the spread of Omicron.
Interest rate factor ...
FULL ARTICLE
I want to thank all my viewers, listeners and readers for all your support this year, and wish you all a prosperous New Year.
See also:
How will you prosper in 2022? – Make 2022 your best year ever!
SPECIAL APPEAL
We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of some of our favourite food supplies, millions of people around the world are starving.
You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/
Money also migrated so-called safe property havens in the UK, Canada, US and Australia.
Wealthy people have sought second and third passports and residency in countries offering citizenship for cash or property investment.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
Can you get rich by saving alone?
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON!
I cover financial education and money mindset in my books, like Borrow and Grow Rich (available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich.
Pre-order BORROW AND GROW RICH before 31 December and I will send you a FREE PDF copy of Yes, Money Can Buy You Happiness.
Borrow and Grow Rich is available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
DOWNLOAD CHAPTER ONE AND TWO FREE
https://charleskelly.clickfunnels.com/optin1639410805951
Wishing you a happy prosperous New Year!
How will you prosper in 2022?
What does 2022 have in store for you?
Some of you may not know, many will say that it depends on the economy, the government, Joe Biden or Boris Johnson.
The answer has less to do with the economy and more to do with your own economy, or what I call your U’conomy. Ask yourself these questions:
· What’s your plan?
· Have you written down your goals, dreams and plans?
· What action steps are you taking to make them happen?
· Where do you want to be in 1, 5 or 10 years?
The twenty first year of the twenty first century has been a year of firsts.
In the UK a few days before Christmas, the country was ‘spared’ a lockdown and yet another damaging closure of the hospitality industry. At the same time, Scotland and Wales are imposing post-Christmas restrictions, ruining New Year’s Eve trade, businesses in England are left in limbo unable to plan for the busy week ahead.
When will the party end?
My estimate is that 2022 will be the year when stock markets crash, and the chickens of massive debt come home to roost.
We have also seen climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of turkey, millions of people around the world are starving.
Please donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/
Money also migrated so-called safe property havens in the UK, Canada, US and Australia.
Wealthy people have sought second and third passports and residency in countries offering citizenship for cash or property investment.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
Can you get rich by saving alone?
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER
I cover financial education and money mindset in my books, like Borrow and Grow Rich (available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich.
Pre-order BORROW AND GROW RICH before 31 December and I will send you a FREE PDF copy of Yes, Money Can Buy You Happiness.
Borrow and Grow Rich is available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
DOWNLOAD CHAPTER ONE AND TWO FREE
https://charleskelly.clickfunnels.com/optin1639410805951
Wishing you a Merry Christmas and a prosperous New Year!
The Bank of England has raised base interest rates for the first time in more than three years, in response to surging prices and an official inflation rate of 5.1%.
The increase to 0.25% from 0.1% followed data this week that saw consumer prices, used to measure the UK inflation rate, climbing by the fastest rate for 10 years.
The Bank's action will increase mortgage costs of homeowners and businesses with commercial loans and overdrafts not on fixed rate deals.
If you have not yet fixed your rate you might want to start thinking about doing so. Talk to your financial adviser.
UK inflation is now running at 5.1%, the highest in a decade and double target rates. The bank governor Andrew Bailey expects inflation to rise to 6% further early next year.
The real rise in the cost increase of living is much higher than the official rate, as many of us are experiencing. The sharp rise in wholesale gas prices is driving inflation, and that is continuing to push up domestic energy bills.
Energy and fuel prices affect the cost of all goods and services, as costs have increased for businesses and suppliers. Wholesale prices of raw materials and commodities have also gone through the roof this year.
Inflation is rising around the world fuelled by ‘money printing’ by central banks on a scale never seen in modern history. The official US inflation is now 6.8%, the highest for over a decade, but half the rate suggested by Shadow Stats which claims real costs are rising by 15%.
The newly raised rates will increase the cost of buying a home, although they are still near the historic low and unlikely to affect property prices and housing demand unless rates rise further.
The FT reports that Fed officials expect three interest rate rises next year to combat rising inflation. The markets went up following the announcement!
If you think you will not be adversely affected by interest rates going up, think again. Governments owe trillions of dollars, pounds and Euros to bondholders and will have to pay higher interest rates to service the debt they created. Who do you think is going to pay the interest? That’s right, taxpayers.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER
I cover financial education and money mindset in my books, like Borrow and Grow Rich (available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon.
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UK House prices rose 3.4% in the three months to the end of November, the highest price increase since 2006, and 8.2% higher than a year ago, the Halifax reports.
The average UK property price hit a fresh record high of £272,992 in November, the UK’s largest mortgage lender said. But added that the pace of growth was unlikely to continue next year as household finances come under pressure.
Property shortage and low interest rates drives demand
House prices in the UK have still been going up for the past five months, despite the end of the stamp duty holiday and the massive activity in the first six months of 2021.
The unexpected growth was "underpinned by a shortage of available properties, a strong labour market and keen competition amongst mortgage providers keeping rates close to historic lows," said Russell Galley, managing director of the Halifax.
The figures are based on the lender’s own data and represent an average across all residential property types in the UK. Figures will vary in some areas and properties. Flats have not enjoyed as the same high growth as houses for instance.
How long will historic low interest rates last?
UK economic growth slowed in October while inflation has risen above 4%. Will the Bank of England raise rates this month amidst further restrictions following the Omicron variant?
The Bank of England’s Monetary Policy Committee (MPC) meets again on 16 December.
CEOs dumping shares
CEOs of companies like Amazon, Tesla and Facebook have sold billions of dollars of their shares in their own companies. Do they know something we don’t?
Don’t get into debt this Christmas
Avoid spending money you don’t have and getting into debt this Christmas.
Have a family ‘truce’ on present values or opt out of the spending spree altogether if you can.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER
I cover financial education and money mindset in my books, Borrow and Grow Rich (available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss) and 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich.
Pre-order BORROW AND GROW RICH before 31 December and I will send you a FREE PDF copy of Yes, Money Can Buy You Happiness.
Borrow and Grow Rich is available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss
High street retail has going through a tough time in recent years with hundreds of stores closing, but here’s why I think there is still a place for physical shops for many years to come.
Even with the rise of Amazon and other online retailers 85% of retail sales are still made offline. Over 20% of stores are not even fully engaged online.
In a strange twist, Amazon and other online retailer are opening offline stores in the high street and malls!
Apple has huge flagship stores in London and other major cities.
Online retailers Gymshark and The Fashion Bible are also set to open large flagship ‘bricks and mortar’ stores in prime retail space next year. Gymshark, which only started online ten years ago, is opening an 18,000 square foot store in London’s Regent Street, one of the most expensive and sought after retails real estate areas in the world.
See full article. https://moneytipsdaily.com/is-retail-on-the-high-street-dead/
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
I cover financial education and money mindset in my book, 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
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Stock markets fell sharply across the world after the discovery of a new Covid variant which threatens the economic recovery as more restrictions are introduced.
London’s the FTSE 100 share index dropped by nearly 3%, while markets in Germany and France also declined following falls in Asia.
40 Year Fixed Rate Mortgage Launched
Kensington Mortgages launched a mortgage product with a rate that can be fixed for up to 40 years.
First-time-buyers in major UK cities like London may be forced to borrow more than 5 times the average salary to get on the housing ladder, as the affordability ratio soars.
Free No Money Down Property Masterclass Register Here- https://bit.ly/32qvuZY
Food Prices Will Rise
A global shortage of fertilisers is driving up food prices and leaving poorer countries facing crisis, says the boss of a major fertiliser firm, the BBC reports.
UK Car Industry Suffers Worst October In 65 Years
UK car production dropped by more than 40% last month to the lowest level recorded for October since 1956.
Net Migration To The UK Falls By 88% As Asylum Claims Reach 20-Year High
The UK recorded a major fall in net migration last year as figures show a huge reduction in the number of people arriving due to the Covid-19 pandemic and Brexit.
Net migration in the UK was 34,000 in 2020, compared with 217,000 the year before, analysis showed. The number of immigrants coming to the country more than halved to an estimated 268,000 in 2020, compared with 592,000 people the previous year.
27 migrants die in Channel as boat overturns off the coast of France
The migrant crisis continues as thousands of people enter the UK illegally despite this week’s tragedy. Asylum applications to the UK have reached their highest level since 2004, according to official estimates.
India to Ban Cryptocurrencies
As a number of major economies plan to launch digital currencies, India is set to follow China in banning Cryptocurrencies.
The ban will relate to all private cryptocurrencies with certain exceptions to allow the promotion of the underlying technology and its uses. Cryptocurrency prices dropped on Indian exchanges after the decision on the bill's future was announced.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
I cover financial education and money mindset in my book, 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
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This year’s Legatum Prosperity Index finds that prosperity has plateaued for the second year running.
Scandinavian countries, Denmark, Norway, Sweden, topped the list again, with the UK slipping to 13th place behind Ireland despite being the 6th largest economy in the world.
The world’s biggest economy, the US, was ranked 20thand the number two economy China only ranked in 54th place, behind countries like Panama and Georgia.
Whilst the plateauing of prosperity has been caused — at least in part — by the health and economic consequences of the COVID-19 pandemic, it has also been driven by the concerning erosion of many of the core features that underpin prosperity. Specifically, we have seen an ongoing deterioration in Political Accountability and Freedom of Speech and Assembly in most regions of the world. We are calling this out as a key area of concern.
The Rise of Africa
We have seen prosperity stall for the second successive year in the world’s two most prosperous regions (North America and Western Europe), while in the least prosperous region (sub-Saharan Africa), it has improved for the 11th year in a row.
Full list and rankings: https://www.prosperity.com/rankings
Source: Legatum Institute
The cost of living in the UK rose at the highest rate in 10 years as the official inflation rate hit 4.2% this month – more than twice the Bank of England target rate.
Interest rates will rise in December or January after the central bank’s Monetary Policy Committee held the base rate this month.
Inflation is getting out of control around the world, party fuelled by rising commodity prices and money printing, and rate rises to control it could trigger another recession and stock market fall.
Markets are already jittery, but Gold and Cryptocurrencies have increased on inflation fears.
Joe Biden’s $1.7 Trillion spending plan has been passed by the US House of Representatives. The UK and Japan have also announced multi-billion spending sprees to revive their economies.
Amazon has stopped accepting payments Visa credit cards in the UK due to higher charges in a move which could see a payment system disruption.
Property prices eased last month, which is normal for the time of year, but China and the US continue to experience market falls.
Alibaba slumps by 10% on sales forecast warning.
Austria to make vaccines mandatory and going into full lockdown, BBC reports.
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
I cover financial education and money mindset in my book, 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
If you would like to learn more about investing and managing your money, passive income, property investing and become financially free without working any harder, watch this free on demand training.
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Click on this link to watch the free training now https://bit.ly/3wLWqx2
An estimated 1,000 migrants illegally crossed into the UK on Thursday as the government warns the number of people departing from France with a “bon voyage” message form officials is "unacceptable".
The figure could be the highest ever daily total of migrant crossings into Britain. The previous record for the number of migrants arriving in the UK aboard small boats in a single day is 853, set on 3 November.
As we come into the winter season and rougher seas, at least two people have died while trying to attempt the perilous journey and several more have been feared to be lost at sea.
More than 22,300 people have made it to UK shores this year, more than double the number for the whole of 2020.
The situation is getting worse despite the government paying France £54m to increase immigration controls.
French officials have been accused of helping migrants being illegally trafficked across treacherous waters in small to make it to the UK.
Meanwhile, thousands of Syrian and other Middle Eastern refugees are camped in Belarus on the Polish border having unsuccessfully attempted to enter Poland, a gateway to the European Union.
Polish immigration guards and thousands of troops are preventing what they say is a Russian sponsored invasion design to destabilise the EU.
In an interview with RT News, one Syrian family said they made the journey, organised by a ‘travel agent’, via Turkey where they spent a lot of money obtaining visas to enter Belarus with a view to crossing the border into Poland. They added that many of their relatives had previously made the trip and were in Germany.
A combination of climate change and the destruction of economies in Syria and Iraq has prompted millions of people to effectively force their way into the West by marching across Europe. They have given up on the usual legal means of applying for asylum or migrating to more prosperous countries.
The crisis will escalate as word spreads through the internet that nobody gets sent back once they arrive in places like the UK.
See also:
Interest Rates Held At 0.1% But Will Rise Soon
9 Habits To Develop Extreme Productivity
Buy-to-Let Property Demand Down 60% Says London Estate Agent As Chinese Buyers Dry Up - https://youtu.be/4RLroedmkX4
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
I cover financial education and money mindset in my book, 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
If you would like to learn more about investing and managing your money, property investing and become financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Interest Rates Held At 0.1% But Will Rise In Coming Months Bank Of England Hints
The Bank of England has indicated an interest rate rise in "coming months" to combat high inflation but held base rates.
At the Monetary Policy Committee (MPC) on Thursday, policymakers voted 7-2 in favour of no change from the current record low rate of 0.1%.
Bank governor Andrew Bailey said the decision had been a "close call", while the MPC said there was "value" in waiting to see how the jobs market coped with the end of the furlough scheme.
The UK has resisted calls to hike rates amid market expectations of 4% inflation by the year end.
I would still expect rates to go up to 0.25% before too long in order to curb inflation in Europe and America where prices are rising by over 5% per annum.
US starts ‘tapering’ $120 billion a month bond purchases by $10 billion.
See also:
Buy-to-Let Property Demand Down 60% Says London Estate Agent As Chinese Buyers Dry Up- https://youtu.be/4RLroedmkX4
What Can You Invest In That's Guaranteed To Go Up In Price In 12 Months? The Answer Will Shock You! - https://youtu.be/_ccb_gTVDkQ
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
If you would like to learn more about investing and managing your money, property investing and become financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
To order 'Yes, Money Can Buy You Happines" on Amazon Click: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
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Opening his second budget speech of 2021, the chancellor promised a stronger UK economy. The good news is the UK is recovering faster than its major competitors from Covid, the chancellor told MPs. Rishi Sunak says the Office for Budget Responsibility (OBR) has revised up its forecasts for UK economic growth. The OBR now expects gross domestic product (GDP) to expand by 6.5% this year compared to the 4% it forecast at the Budget in March. This is below what the Bank of England expects - it is predicting 7.4% growth. FULL ARTICLE - https://homebasedbusinessideasuk.blogspot.com/2021/10/eight-ways-rishi-sunaks-budget-could.html
Can you make money on social media or from property using none of your own money?
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The property market crisis in China is growing, as another property developer failed to make a payment on a bond. Modern Land followed Evergrande and Fantasia by missing a bond payment indicating that China’s property crisis is deepening. Earlier this month, Fantasia Holdings Group defaulted on a maturing dollar bond that heightened concerns in international debt markets, Evergrande averted a costly default last week but is under more than $300 million in liabilities and has a major payment deadline on Friday.
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The National Living Wage is widely expected to be increased by 6.6% to £9.50 from £8.91 for workers over 23 in this week’s budget. The pay increase for millions of workers is twice the current cost of living rises and will put further inflationary pressure on businesses to pass the additional costs to consumers.
Retail sales continue to fall, as landlords ramp up the pressure on thousands of tenants in rent arrears.
Petrol prices hit record high in UK as inflation continues to soar towards a market predicted rate of over 4% by the year end.
Interest rates expected to rise to 0.25% to curb runaway inflation brought on by a lethal cocktail of higher transportation, food and commodity prices, staff shortages and central bank money printing on an industrial scale.
Rishi Sunak is expected to announce a £2bn investment into building new homes on derelict or unused land in England in Wednesday's Budget.
The UK Chancellor wants 160,000 greener homes built on brownfield land the size of 2,000 football pitches, and has also pledged £9m towards 100 urban "pocket parks" across the UK.
There are also rumours that he will introduce more tax hikes including Capital Gains Tax (CGT). CGT is paid assets, such as shares, a business or a second home, are sold at a profit.
Conservative governments are traditionally ‘low tax, low spend’ administrations, but Rishi Sunak has to get the country out of the worst recession in 300 years, controlling inflation, as well as balancing the books after borrowing £400 billion to spend on propping up the economy during enforced lockdowns. UK debt is over £2 trillion.
In further bad news, the BBC appears to be dropping strong hints that the country could be forced into yet another Christmas lockdown as infection rates rise.
See: 6 Budget Changes That Could Hit Your Pocket
Financial education in investing is the key to building and keeping wealth. Never stop learning!
Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
As a second property giant fails to pay debt interest investors fear a property collapse in China’s real estate bubble.
On Monday, a Chinese developer of luxury apartments Fantasia missed a $315 million payments to lenders, sparking fears that financial strains in the country's overheated property sector are spreading beyond the troubled Evergrande’s troubles.
Other Business News
Johnson Promises Wage Boost.
In a speech to the Conservative Party Conference in Manchester, Prime Minister Boris Johnson wants to end the UK’s “low wage economy” fuelled by “uncontrolled immigration”.
Gas Prices Fall After Putin Boosts Production.
UK wholesale gas prices dropped after hitting a record high after Russia announced a boost in supplies to Europe. Russia President Vladimir Putin calmed the market after gas prices had risen by 37% in 24 hours to trade at 400p per therm on Wednesday. The price fall will be welcome news to millions of British consumers facing record energy prices this winter.
Consumer Price Rise Highest In 25 Years.
Inflation fears as prices rise across the world, sparking fears of hyper-inflation caused by unprecedented money printing. Markets are predicting 6% inflation leading to ‘stagflation’.
Facebook Restores Service After This Week’s Outage.
How did the social media downtime affect you?
How much time do you spend on social media?
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If you are just using social media for entertainment, could you use your time more effectively?
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Job Furlough Scheme Ends For A Million Workers In UK
What is their fate?
Highlights:
· 1 million job vacancies in UK
· Reed Employment website is advertising 300,000 job vacancies
· 100,000 lorry drivers needed in UK
· 500,000 agricultural and food worker jobs vacant
Do you want to be dependant on someone else to pay you money to live?
New ‘world order’ is here – wake up!
Millions of jobs done by humans will be replaced by machines in the next few years.
The world of business has changed forever and unless you adapt your business will decline.
What can you do to take advantage of the changes rather than hoping things will go back to ‘normal’ again? They won’t.
The biggest revolution is the explosion in online trading and social media marketing.
Businesses which have adapted have boomed while others are no longer in business.
Can you make money on social media?
I notice that kids are very good at creating videos and posts on social media. Unlike me, they have grown up with IT and social media, but that doesn’t mean us oldies can’t get in on the act!
We can all learn to not only how to use social media,
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· How to get a product to sell if you don't have one already and... how to get it for nothing.
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I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
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· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
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10,000 Visas For Drivers And Poultry Workers Will Not Solve Food And Fuel Shortages
The government’s widely anticipated emergency programme to issue temporary visas to up to 5,000 lorry drivers is not enough to fix Britain’s food and fuel supply-chain crisis and is unlikely to attract workers to the UK, haulage chiefs have warned.
Ministers on Sunday announced rushed plans to add 5,000 HGV drivers and 5,500 poultry workers to a visa scheme until Christmas.
Marco Digioia, the head of the European Road Haulers Association representing more than 200,000 trucking companies across the continent, told the Observer that “much more would be needed” than a temporary relaxation of immigration rules. “There is a driver shortage across Europe,” he said. “I am not sure how many would want to go to the UK.”
With staff shortages in other EU countries, such as Germany, attracting people to come and work in the UK for three months will prove a challenge.
The temporary work permit scheme will not resolve the estimated UK shortage of around 100,000 drivers. Setting up the visa scheme and recruit and training and approving the drivers could take several weeks, if not months, and there is also a shortage of 400,000 drivers in Europe.
The government ruled out deploying HGV driver from the Armed services, which would have provided immediate relief.
Although there are over a million people unemployed in the UK, most will not be licensed to drive heavy goods vehicles. More funding is needed to provide training and support to recruit staff locally.
There are 5 million people on universal credit benefit and 600,000 still on the job retention furlough scheme until the end of September – employers are paid by taxpayers to have staff sitting at home months after the economy has reopened.
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Ministers will confirm on Sunday that 5000 temporary UK working visas will be issued to foreign lorry drivers to help fill job vacancies which are causing fuel and food shortages.
It is understood that the scheme will run for three months and be capped at 5000 visas. Some will see this as a U-turn for the government’s Brexit principle of controlling our borders and cutting immigration to boost jobs and pay for British workers.
Watch Video - https://youtu.be/3bPaG_Y7WN8
New ‘world order’ is here – wake up!
The world of business has changed forever and unless you adapt your business will decline.
What can you do to take advantage of the changes rather than hoping things will go back to ‘normal’ again? They won’t.
The first step to building wealth and turning your finances around is financial education.
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Rising prices in the G20 group of major economies will grow faster than pre-pandemic for at least two years, the OECD forecasts.
Consumers have suffered price hikes as higher commodity prices and shipping costs increase inflation for the first time in years, Paris-based policy forum reports.
Inflation have reached 3.2% in the UK, highest rate of the advanced economies, and is expected to continue at this level until the end of the year, the OECD said. Inflation is expected to fall in the US, France, and Germany.
Inflation has returned all over the world due to the cost of raw materials, constraints on the supply of goods, stronger consumer demand as economies reopen, and prices recovering from drops during the pandemic in some sectors, it said.
Consumer demand, supply disruptions and depleted stores of goods have forced up prices and shipping costs. Further supply shortages could lead to a longer period of higher inflation, the OECD said.
The OECD expects the rate of inflation in the G20 to moderate from 4.5% at the end of 2021 to 3.5% by the end of 2022. Source: BBC.
The real estate bubble in China continues to grow with Evergrande expected to default on interest payments this week or receive government aid.
Meanwhile, over a million property buyers are waiting to see if they will lose their deposits on ‘off plan’ unfinished properties all over China.
These are worrying times. Markets and property prices in majors Cities around the world remain at an all-time high while governments print trillions to prop up weakened economies.
There has never been a better time to stay informed and educate yourself on financial matters.
The KEY to building and KEEPING wealth is financial education.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy and how some lose it all - Yes Money Can Buy You Happiness.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
evergrande #chinacrisis #realestatebubble #property #stockmarketcrash #inflation #financialeducation #freetraining
The huge Chinese property company, Evergrande, is repaying investors in its wealth management business with property instead of cash this week. The world's most indebted real estate developer faces a crunch this week while investors fear a default.
Major banks have reportedly already been informed they will not receive interest payments on loans that are due this week and further interest payments of $84m (£61m) on the firm's bonds are due on Thursday.
The company's shares dropped by more than 10% in Hong Kong trade on Monday, but are down 90% on its 52 week high.
The multi-billion dollar property business deepening debt problems have triggered fears over the impact its potential collapse could have on China's, as well as the western world’s, economies.
Evergrande grew to be one of China's biggest companies by borrowing a massive $300bn (£217bn).
How will it affect the world if Evergrande collapses?
Thousands of Chinese investors riding the wave of a booming market have bought property from Evergrande ‘off-plan’ even before building work began. They have paid deposits and could potentially lose that money if it goes bust.
If Evergrande defaults, banks and other lenders may be forced to lend less.
This could lead to a 1997 Asian financial crisis or 2008 style credit crunch, when companies struggled to borrow money at affordable rates after the collapse of major financial institutions like Bear Sterns and Lehman Brothers, which plunged the western world into recession.
At the time, the relatively debt-free China helped to bail out America, but who can bail out China when western countries have already printed Trillions of dollars to save their own asses? Full article.
The KEY to building and KEEPING wealth is financial education.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy and how some lose it all - Yes Money Can Buy You Happiness.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
evergrande #chinacrisis #creditcrunch #realestatebubble #property #stockmarketcrash
A YouGov survey has revealed that 70% of staff will not go back to working in an office full-time, so where does this leave the commercial property sector?
Full artice and video - https://youtu.be/msK7kcjbhbY
Trending
· Tensions rise as China denounces AUKUS Pact between US, UK and Australia
· Highest price rises since CPI records began as inflation hits 3.2% - https://youtu.be/wv7-WPv-mHs
· Emma Raducanu becomes instant millionaire at 18 and could earn £150m! - https://youtu.be/koAbiFVlgqg
· Time to get out of stocks and shares? Market Warning - https://youtu.be/_vOblIQYxqo
· Housebuilder drops unfair leases and rip-off ground rent charges
· Chinese property empire on brink of collapse
The new world order is here
What can you do to take advantage of the changes rather than hoping things will go back to ‘normal’ again? They won’t.
The biggest revolution is the explosion in online trading and social media marketing.
Can you make money on social media?
I notice that kids are very good at creating videos and posts on social media. Unlike me, they have grown up with IT and social media, but that doesn’t mean us oldies can’t get in on the act!
We can all learn to not only how to use social media,
but also how to make money on social media…
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Consumer price rises in the UK saw the highest leap since records began in 1997 as the economy opened up following several lockdowns.
According to official government figures, the increase in the cost of living, as measured by the Consumer Prices Index, reached 3.2% (50% above BOE target) in the year to August, the highest since 2017.
Rising prices for food, petrol and used cars were up from 2% the previous month.
The main weapon employed by central banks to curb inflation is to increase interest rates. However, this will also increase their own government’s interest payments on the trillions of Pounds, Dollars and Euros they have created to prevent a covid recession and stock market crash.
One thing that’s certain to go up is tax! Tax hikes, like the tax on landlords, to pay for the billions in financial stimulus to rescue the economy during the last year.
How are you adapting to the ‘new world order’?
The world of business has changed and unless you adapt your business will decline.
What can you do to take advantage of the changes rather than hoping things will go back to ‘normal’ again? They won’t.
The biggest revolution is the explosion in online trading and social media marketing.
Businesses which have adapted have boomed while others are no longer in business.
Can you make money on social media?
I notice that kids are very good at creating videos and posts on social media. Unlike me, they have grown up with IT and social media, but that doesn’t mean us oldies can’t get in on the act!
We can all learn to not only how to use social media,
but also how to make money on social media…
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Spots Fill Up Fast - Limited Seats Available!
The Financial Conduct Authority (FCA) is concerned that easy credit offered by buy now pay later companies (BNPL) like Klarna and Paypal will add to the debt crisis.
Millions of people in the UK are using BNPL credit at rates as high as 30% pa (or 300 times the base rate) to buy consumer crap that goes down in value while the size of their debt goes up.
£14 billion of goods bought using BNPL freon January to March.
If you can’t afford that gadget or item of clothing, don’t buy it!
Instead of BNPL, use SUBL or SAVE UP AND BUY LATER!
The first step to building wealth and turning your finances around is financial education.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy and how some lose it all - Yes Money Can Buy You Happiness.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
#creditcard #debtfree #financialeducation #freetraining #paypal #klarna #getoutofdebt
Emma Raducanu Becomes An Instant Millionaire But Is Sport The Best Way To Make A Million?
British tennis sensation Emma Raducanu became a millionaire at 18 when she was presented with a cheque for $2.5 million after winning the US Open in straight sets on Saturday.
As I watched her collecting the cheque form the sponsors commentators were already predicting that she will become the richest woman in British sport and the most famous Brit alongside the Queen! No pressure then!
She certainly has the whole package of charisma, talent and brains to appeal to sponsors and advertisers which will propel her to the ranks of other sporting superstars such as David Beckham and Ronlado.
Emma was born in Toronto, Canada to a Romanian father and Chinese mother who then migrated to the UK for better opportunities.
She is the first qualifier, which means she has to play pre-match games in order to qualify to enter the tournament, to reach and win a Grand Slam final where she played another teenager Leylah Fernandez of migrant heritage. Leylah’s father is Ecuadorian and her mother is Filipino Canadian.
Last week, in an interview with Jeremy Vine on BBC Radio 2, the former British Tennis player Andrew Castle commented that there was something about both of the finalist’s ordinary migrant heritage that seemed to give them that extra drive and ambition to succeed against all the odds.
Emma will inspire young people to take up tennis and other sports which is wonderful. She will need to keep her feet on the ground and concentrate on her game rather than celebrity appearances, as well as very good financial advice. Too many young stars who become so-called ‘instant millionaires’ end up broke a few years later.
In fact, according to research for the book Secrets of the Millionaire Next Door, only a tiny percentage of millionaires are sports stars or celebrities. Most self-made millionaires are people in business.
The first step to building wealth and turning your finances around is financial education.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy and how some lose it all - Yes Money Can Buy You Happiness.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
Tax Landlords and Wealth to pay for social care is the expected policy of the leader of the opposition Labour Party Sir Kier Starmer, the BBC reports.
Sir Kier Starmer could be running the country as the next UK Prime Minister if he wins the next general election in two and a half years’ time.
Is taxing savers and investors the answer?
No! Higher taxation will deter investment and hit savers and the very people who ‘row their own boat’ and provide for their retirement and care.
Will increased taxes on investors and businesses solve the economic crisis?
No! Higher taxes will only make it worse by reducing investment and slowing the very economic growth needed for recovery. Higher taxes usually results in lower tax revenues.
What can you do to protect yourself?
Wake up! Financial education is and has always been the real answer to your money problems.
Watch video version - https://youtu.be/877_4J9DnXQ
We know exactly what the habits and traits of wealthy people are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
Congratulations to British teenager Emma Raducanu, reached the US Open final as her meteoric rise to fame continued with a stunning semi-final victory over Greek 17th seed Maria Sakkari in New York.
Londoner Raducanu, who was born in Toronto, Canada to a Romanian father and Chinese mother, extended her dream run with a 6-1 6-4 victory in which her dominance on court defied belief.
She is the first qualifier, which means she has to play pre-match games in order to qualify to enter the tournament, to reach a Grand Slam final and will play another teenager Leylah Fernandez of migrant heritage on Saturday.
Leylah’s father is Ecuadorian and her mother is Filipino Canadian.
In an interview with Jeremy Vine today on BBC Radio 2, the former British Tennis player Andrew Castle commented that there was something about both of the finalist’s ordinary migrant heritage that seemed to give them that extra drive and ambition to succeed against all the odds.
Raducanu is the first British woman in a major singles final in 44 years.
Prior to her amazing run to the Wimbledon last 16 earlier this summer, Raducanu was ranked just 336th in the world and was unknown outside the tennis world.
This win puts her on the verge of the top 30 after already being assured of becoming the British women's number one by reaching the last four at Flushing Meadows.
It also gives the London teenager - who also passed her A Levels this summer – at shot at one of tennis' most prestigious titles when she faces Canadian 19-year-old world number 73 Fernandez at 21:00 BST on Saturday. Source: BBC Sport.
We in the UK will be cheering you and wishing you all the best for the final tomorrow Emma! But whoever takes the title, it will be a victory for all hardworking dedicated migrants!
Watch videoversion…
Emma, who had previously booked a flight home for the end of the qualifiers, could become the highest paid British sportswoman of all time according to commentators, but it is still early days. There is no doubt that her earnings potential and profile have skyrocketed into the millions since she splashed onto our screens this summer at Wimbledon.
She will need to keep her feet on the ground and concentrate on her game rather than celebrity appearances, as well as very good financial advice. Too many young stars who become so-called ‘instant millionaires’ end up broke a few years later.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy and how some lose it all - Yes Money Can Buy You Happiness.
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Book now as spaces fill up fast...
El Salvador will be the first country to adopt Bitcoin as legal tender alongside the US Dollar.
Citizens will be given $30 Bitcoin tokens in a new account.
Twitter acceptance could boot Bitcoin’s price further.
Watch video: https://youtu.be/HZfJDLLJvMc
Bitcoin price recovers to $51,000 from $30,000.
Businessman loses £500,000 in Bitcoin scam.
Students turn to Cryptocurrency trading.
Boris Johnson grappling with UK’s growing social care timebomb.
See also:
Hackers steal $100 million of Crypto - https://www.youtube.com/watch?v=mDoZ3Ml8L3g&t=37s
Average houses prices falling after the rush to beat the Stamp Duty Holiday - https://youtu.be/O4SSsJ0sRt4.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy: Yes Money Can Buy You Happiness. You can find it on Amazon:https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Chloe was born in London to overseas Filipino worker (OFW) parents who migrated to the UK for a better life and job opportunities.
Watch videoversion - https://youtu.be/XfQEAM0y-JE
Although they worked hard day and night, money was tight for the family you came to the UK with nothing.
Despite her humble beginning, Chloe showed an early aptitude for learning. She was particularly talented with mathematics and was racing ahead of her school friends after her parents found the money to send her to private Kumon lessons.
At 8-years old Chloe could solve complex quadratic equations normally taught to A-Level students. She was even able to demonstrate this skill on her YouTube channel: -
https://www.youtube.com/channel/UCdWHYVaijhR29bOqyvEwCwA
The child genius scored 143 on a recent Mensa test, but brains alone are not enough without hard work.
Chloe is extremely disciplined with her time and plans every aspect of her day. She also sets short and long-term goals.
I notice that kids are very good at creating videos and posts on social media. Unlike me, they have grown up with IT and social media, but that doesn’t mean us oldies can’t get in on the act!
We can all learn to not only use social media, but also how to make money on social media…
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Spots Fill Up Fast - Limited Seats Available!
UK Job vacancies hit a record high as the labour market bounced back, according to official figures.
The number of job vacancies in the UK hit 953,000 in the three months to July, the Office for National Statistics (ONS) reports.
Watch video version.
The unemployment rate fell to 4.7% in the three months to June, while the annual growth in average pay was 7.4%.
Firms like Amazon and Tesco are offering up to £1000 signing-on bonuses with the former giving staff a £50 per week bonus for 100% attendance.
Amazon recently advertised that new starters who start working before 18 September would receive a £1,000 ‘golden hello’ fee.
A shortage of HGV drivers is threatening to cause empty supermarket shelves by Christmas.
Nurses and care staff are again in short supply. The NHS has 168,000 job vacancies in the UK.
This contrasts sharply with last year’s deep recession when unemployment rising job vacancies under 400,000 and millions of people were on the government funding furlough scheme.
The economy is rebounding has yet to reach pre-pandemic levels. The government has printed billions to stave off economic collapse and unprecedented debt levels are near 100% of GDP. In June 2021 there were 1.6 million people unemployed and millions more claiming universal credit and disability benefits.
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Spots Fill Up Fast - Limited Seats Available!
What Does Your Financial Diet Do For Your Bank Balance?
I’ve lost 7kgs using a revolutionary 2 step diet.
1. Eat less
2. Exercise more
Can you apply this to your finances? Yes!
1. Spend less
2. Save more
Would you like to read more books, but don’t have the time?
China has introduced a rule to limit children from playing games online to 1 hour a day three times a week. How much time do you spend on your phone or computer?
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Spots Fill Up Fast - Limited Seats Available!
Millions of people have little or no savings and are worried about financial security.
In the UK, savers face an estimated savings shortfall of £371 billion to feel financially secure.
Most people are no more than a couple of salary cheques away from bankruptcy and are forced to borrow at high interest rates to cover a minor repair, holidays and Christmas.
Everyone wants to be financially free or just have a little more money coming in each month. The problem is they don’t know how.
If you are on a fixed salary your options can seem limited. You may have limited opportunities for promotion and starting a business can be expensive and risky.
But what if there was a way to earn extra money on the side, without leaving the security of your job or existing business.
Did you know that you can make money on social media instead of wasting time on it?
With millions more people turning to the internet to buy goods and services and hold meetings, there has never been a better time to make money online. Internet transactions have reached record levels while traditional retail businesses are suffering.
"Stop Wasting Time On Social Media And Start Making Money Instead"
You can learn how to make money on social media from my mentor Paul O’Mahony, founder of the ReThink Academy, who has made millions online starting from nothing.
In this FREE webclass you're going to see:
· How to use the time you're already spending on the internet to build a digital business in your spare time.
· How to get a product to sell if you don't have one already and... how to get it for nothing.
· The exact strategy "he used to make my first million and quit my job permanently without a big budget, or any experience with social media."
You'll discover all this and more when you watch the webclass below.
I'M READY TO WATCH THE FREE TRAINING NOW!
WATCH THIS TRAINING IF:
· You own a business.
· You want to own a business without quitting your job yet.
· You are serious about building a profitable online business.
· You're tired of wasting time on social media and want to make money instead.
· "Stop Wasting Time On Social Media And Start Making Money Instead" (even if you lack time, resources, experience, or expertise).
I'M READY TO WATCH THE FREE TRAINING NOW!
CLICK HERE TO WATCH https://bit.ly/38rzLvZ
Spots Fill Up Fast - Limited Seats Available!
With the threat of a Christmas shortage of turkeys, the UK government is under pressure to create a short-term working visa scheme for foreign lorry drivers, the BBC reports.
The Covid pandemic and Brexit has left transport firms desperate to recruit drivers and government departments have been in discussion options with the industry, including introducing special visas.
Ministers have rejected calls to introduce visas for drivers while urging firms to use local labour.
The industry wants drivers to be added to the official UK Shortage Occupations list, enabling them to qualify for a skilled worker visa.
Is UK immigration the magic bullet for industry?
But the government wants the industry to employ British drivers, which the industry said is impossible in the short term due to the training costs and time it takes to pass the rigorous HGV (heavy goods vehicle) driving test in the UK.
Training HGV drivers typically takes six to nine months and costs up to £7,000. Many British drivers claim that the low pay and poor working conditions are deterring people from entering the sector.
Businesses warn that the shortage of drivers is jeopardising deliveries to retailers and pushing up food prices for consumers.
The sector is also reeling from the impact of the pandemic, which has prevented thousands of new drivers from taking their HGV tests last year.
European drivers returned home when work dried up last year and have not been able to return because of immigration rules brought in after Brexit. Thousands of EU migrants failed to apply for UK settlement despite efforts by the Home Office to promote a low-cost easy route during the two-year run up to Brexit.
The Road Haulage Association estimates that there is currently a shortfall of about 60,000 hauliers and said that the situation for food supplies was "close to a crisis point".
There was a risk that some items would run out in supermarkets at certain times in a way similar to "rolling blackouts" for electricity, it said. Source: BBC.
As I said in my video post this week, I have not yet seen any evidence of major shortages on supermarket shelves. The problem is that warnings of a food shortage could become a self-fulfilling prophesy as shoppers start to hoard and panic buy.
Should the Home Office issue special UK working visas for drivers, they will almost certainly apply only to EU citizens.
Importing overseas workers to plug skill shortages has been used in the UK since the 1950’s ‘Windrush’ generation right up to hiring nurses from the Philippines and other countries today.
What’s your view? Should we train more British workers to do those jobs or is it the situation more complex?
See also:
Mastering Money The S.M.A.R.T Way Without Working Any Harder, Lesson #6
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Michelle Seiler Tucker is the Founder and CEO of Seiler Tucker Incorporated. She holds the M&AMI (Mergers & Acquisitions Master Intermediary) title, as well as Certified Mergers and Acquisitions Professional (CM&AP) and Certified Senior Business Analyst (CSBA). Michelle also owns many other businesses in several different industries. As a 20-year veteran in the M&A industry, she is regarded as the leading authority on buying, selling, fixing, and growing businesses. Her and her firm have sold over a thousand businesses in almost every vertical and have a remarkable track record of success.
See video - https://youtu.be/IVszfDsm0Lw
In addition to being featured in INC, Forbes, Entrepreneur Magazine, and USA Magazine, Michelle is an international keynote speaker and makes regular radio and TV appearances on Fox Business News and CNBC. She has spoken alongside many prominent speakers: Eric Trump, Arnold Schwarzenegger, Kathy Ireland, Donna Karen, Stedman Graham, Randi Zuckerberg, Steve Wozniak, and more. She is the Best-Selling Author of the book “Sell Your Business for more than It’s Worth” and has a new book coming out called “Exit Rich®.”
Michelle gives insight into building a sustainable, scalable, and sellable business utilizing her proven techniques outlined in her newest book Exit Rich®. Other topics Michelle can speak on include:
· ST GPS Exit Model® – Planning Your Exit Strategy from Day One
· ST 6 P’s® - How to Build a Sustainable, Scalable, and Sellable Business
· The 10 Biggest Profit Mistakes
· Sellers Sanity Check/Buyers Sanity Check
· Maximizing Valuations
· How to Create a Bidding War Amongst Buyers
You may also view her sizzle reel by clicking on the link. For additional information on her and her business, you can visit seilertucker.com.
Her new book, Exit Rich, is an Inc. Original and is endorsed by:
Kevin Harrington – Inventor of the Infomercial, Best-Selling Author, Original Investor Shark on Shark Tank, www.kevinharrington.tv, Steve Forbes - Chairman and Editor-In-Chief, Forbes, Brian Tracy - Author, Speaker, Les Brown - Leading Transformational Speaker and Author, Jack Canfield - Multiple #1 New York Times Best-selling Author of the Chicken Soup for the Soul® series, Tom Hopkins - Author of "How to Master the Art of Selling", Mark Victor Hansen - Co-Creator of the Chicken Soup for the Soul Series, Co-Chairman and CEO of Metamorphosis Energy. For more information on how to Seiler Tucker Inc. www.seilertucker.com
Watch video interview now - https://youtu.be/IVszfDsm0Lw#
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Bitcoin jumped $50,000 (£36,480) for the first time in three months before falling back slightly, as the cryptocurrency continues to recover from a slump, the BBC reports.
The coin fell sharply in May after a crackdown in China and a decision by Elon Musk's Tesla not to accept it as payment.
Investor confidence is improving as more mainstream financial companies begin using the digital currency.
Although still down on a peak of $63,000 in April 2021, Bitcoin is still up 80% since January, when it was trading at just $27,700.
On Monday, it climbed almost 3% to $50,266.90 while Ether, another popular digital coin, was up more than 4% at $3,367.51.
PayPal will now allow customers in the UK to buy, sell and hold Bitcoin and other digital currencies as it expands its crypto services outside of the US for the first time.
Boasting 403 million active accounts globally, the US firm is one of the largest mainstream financial companies to offer users access to cryptocurrencies.
Continued support from the US Federal Reserve for the US economy has also bolstered Bitcoin recently, analysts say. It is holding interest rates at record lows and making riskier assets more attractive to investors.
Neil Wison of Markets.com said Bitcoin's rebound "shows no signs of cooling", although he said he expected to see some "pullback" in the short term.
But Dan Ives from Wedbush Securities said Bitcoin remained "a highly volatile digital currency", despite growing investor optimism. Source: BBC.
Is Bitcoin the new Gold?
Is Crypto a real currency?
Should you invest in Crypto?
See also:
Hackers steal $100 million of Crypto - https://www.youtube.com/watch?v=mDoZ3Ml8L3g&t=37s
Average houses prices falling after the rush to beat the Stamp Duty Holiday - https://youtu.be/O4SSsJ0sRt4.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy: Yes Money Can Buy You Happiness. You can find it on Amazon:https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
The Daily Mirror reports that the cheapest property in the UK listed on Zoopla is a £35,000 two bedroomed house in Hartlepool, County Durham. The house in the Northeast of England looks like a bargain, but there are cheaper properties.
Zoopla has a studio flat in Bradford listed for just £5000 and cheap properties are also listed in auction catalogues.
The average price of a home according to the Land Registry is £265,668, so why the disparity?
There is an 8-bed terraced house in London’s Belgrave Square, Belgravia listed for £77,500,000 and more expensive home have been sold privately!
The adage “location, location, location” accounts for most of the price differential across the country, but there are other reasons why apparent bargain properties come on the market, especially in auctions:
· Defective construction
· Movement or subsidence to foundations
· Defective titles
· Defective leases
· Un-mortgageable properties
Buyers should beware and make their own checks and legal enquiries.
See also: average houses prices falling after the rush to beat the Stamp Duty Holiday - https://youtu.be/O4SSsJ0sRt4.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy: Yes Money Can Buy You Happiness. You can find it on Amazon:https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
The Lloyds Banking Group could become the UK's biggest domestic property landlords with plans to buy 50,000 homes in the next decade, the BBC and FT reports.
Britain’s largest lender and banking giant will charge tenants rent as a private buy-to-let landlord under its recently launched Citra Living brand.
The Financial Times said the bank was aiming to buy 400 properties this year and 10,000 homes by the end of 2025.
Lloyds, which owns Halifax, Bank of Scotland and insurance company Scottish Widow provides nearly one in four mortgage home loans in the UK.
Citra Living is starting small and testing the rental market, with a focus on buying and renting new build housing properties. Their first buy-to-rent project is 45 new apartments at Fletton Quays in Peterborough.
The Financial Times said if Lloyd hit their 2025 target, it would make Citra bigger Grainger, the UK's current largest private residential landlord, which owns about 9,100 properties and has a market capitalisation of £2.1bn.
Based on current property prices and rental estimates, this would create a portfolio worth £4 billion, generating pre-tax profits of around £300 million.
Other Stories In Weekly Financial News Round Up
· Hackers have stolen $100 million of Crypto as liquid wallets were “compromised” in Japan.
· John Lewis will convert unused retail shop space into flats, as it moves away from retail dependency into areas such as banking.
· Average houses prices falling after the rush to beat the Stamp DutyHoliday.
· Properties prices in the North booming as investment pours into the regions.
· Property market changing as more staff told to stay working at home.
· Staffing crisis shortage in the UK with 1 million job vacancies.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy: Yes Money Can Buy You Happiness. You can find it on Amazon:https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Joke of the day – A man goes to his bank for a loan….
Can You Get Rich As An Employee?
My answer might surprise you…
The highest paid FTSE 100 company executive is the CEO of pharmaceutical giant Astra Zeneca, Pascal Soriot, who earned £15.45 million in 2020 for his part in delivering the covid vaccine to tens of millions of people.
The median FTSE CEO was paid £2.69 million – 86 times the median full-time worker - in 2020, according to the High Pay Centre think tank.
The boss of the credit search agency Experian, Brian Cassin, earned £10.3 million, but CEOs of PLC companies are not the highest paid people in the UK.
Denise Coates, the boss of privately owned online gambling firm BET 365 earned £421 million.
4 Ways Employees Can Get Rich:
· Performance related pay and bonuses
· Salary
· Pensions
· Share or stock options
Millions of small business owners, freelance and self-employed workers earn less than the minimum wage when taking into account the number of hours they put in, and most would be better off driving a bus.
However, most self-made millionaires are business owners who have worked hard building their businesses up over many years.
Millionaires and millionaire habits have been studied and documented at academic levels for the last hundred years. Bestselling books, like The Science of Getting Rich and Thinks and Grow Rich, were written almost a century ago. I have also published my own book on how people get wealthy: Yes Money Can Buy You Happiness. You can find it on Amazon:https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858
We know exactly what the millionaire habits and traits are, as success leaves tracks. All you have to do is follow their tracks to become wealthy and financially free!
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
The UK has a serious shortage of workers in various industries such as, healthcare, hospitality and building.
The NHS has a staffing crisis according to the 2020 King’s Fund report into NHS workforce, which revealed the following:
· NHS hospitals, mental health services and community providers report a shortage of 84,000 FTE staff.
· There are 38,000 are nursing vacancies, or 1 in 10 posts.
· The immediate workforce shortfall is so severe that at least 5,000 nurses a year must be recruited from overseas.
As the UK economy recovers and restrictions are eased, the hospitality sector is suffering from a post-brexit shortage of chefs and restaurant staff, and the building trade needs more skilled workers, plasterers, engineers and electricians.
Office for National Statistics (ONS) figures show an upsurge in the number of people in employment, which rose by 182,000 to 28.9 million last month, but still 201,000 lower than a year ago.
The unemployment rate fell to 4.7 percent in the three months to the end of June from 4.8 percent previously, according to the ONS.
Job vacancies have soared to a record high of 953,000 in May to July — up by more than 168,000 from last year.
The British Chambers of Commerce warned the recruitment crisis could have a detrimental effect on the economy, as well as pushing up wages to above inflation levels.
Shortages have already driven up headline pay statistics, with wage growth hitting 7.4 percent over the period, the ONS said.
Higher wages, labour shortages and increased raw material prices are indicators of higher inflation. Printing trillions of dollars, Euros and Pounds will add to inflationary pressures and decrease the buying power of the money in your pocket.
Average House Prices Falling For First Time In 2021 But Will Property Crash?
Houses prices in the UK and US appeared to have peaked with small declines recently.
Property investors should see a return to a more normal buyers property marketin the coming months as we enter into the traditionally quieter autumn and winter seasons.
Watch my latest video on the property market outlook - https://youtu.be/O4SSsJ0sRt4
Professional property investors make money in property in any market – UP, DOWN or SIDEWAYS! You can make money in property if you know how, and you do not even need to use your own money. You can start with zero capital using many of the ‘no money down’ strategies.
Would you like to learn more about making money from property?
Click HERE for free updates, courses and webinars on how to become a professional property investor in your spare time using other people’s money.
FOR MORE PROPERTY INFORMATION FOLLOW - https://bit.ly/3sjxRa
The UK economy grew by 4.8% between April and June, according to official figures, as most businesses emerged from lockdown.
Data from the Office for National Statistics showed that the expansion in gross domestic product (GDP) was fuelled by retail, restaurants and hotels.
Education also boosted the economy as schools reopened in the second quarter.
However, the figure was slightly below the 5% the Bank of England expected.
The UK economy is now 4.4% smaller than it was before the pandemic.
Growth in the second quarter contrasts with the first three months of the year, when the economy shrank by 1.6% while Covid restrictions were still in place. Source BBC and ONS.
Advertised job vacancies also rose particularly in the building industry. However, unemployment could rise next month when the furlough job retention scheme ends.
If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training.
I will give a special free gift which can help you to immediately transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
House prices have fallen for the first time this year, according to property website Rightmove, but does this mean we are heading for a market crash?
The website reports that the “average price of propertycoming to market in August fell 0.3%”, which is a small drop of £1,076, to £337,371.
The property market slowdown follows the ending of the stamp duty holiday and a subsequent fall in demand for bigger homes.
"Average prices have only fallen in the upper-end sector," said Tim Bannister, Rightmove's director of property data.
First-time buyers and second-stepper properties are still in demand, leading to new record high average prices in those sectors, he added.
Rightmove figures revealed a 0.8% drop in the four-bedroom-plus sector, but new record price highs in the two-bedroom sector, up by 0.6%, and three to four bedroom second-stepper-type properties, up by 0.3%.
Summer holidays normally lead to a slowdown in activity in August, experts pointed out, with many anticipating a slackening in demand. Source: BBC and Rightmove.
The small property price falls, based on new houses coming onto the market, do not yet indicate a market crash. Minor price fluctuations could be seasonal or influenced by a post-stamp duty holiday slowdown.
Property investors should see a return to a more normal buyers property market in the coming months. I am definitely noticing more price reductions and properties coming back on the market after a sale fell through.
However, markets, like the bond and stock markets, are not always rational and frequently react to external events, such as a war or political instability in the Middle East.
The actual figures based on sold properties for the current period will be revealed in official Land Registry data later this year.
Professional property investors make money in property in any market – UP, DOWN or SIDEWAYS! You can make money in property if you know how, and you do not even need to use your own money. You can start with zero capital using many of the ‘no money down’ strategies.
Would you like to learn more about making money from property?
Click HEREfor free updates, courses and webinars on how to become a professional property investor in your spare time using other people’s money.
FOR MORE PROPERTY INFORMATION FOLLOW - https://bit.ly/3sjxRa
A book that influenced me 12 years ago was The 4-Hour Workweek by Tim Ferriss who said you can “live anywhere” and “join the new rich”.
He talked about persuading your boss to let you to work from home and then systemising everything enabling you to travel the world. It all sounded like a fantasy in 2007 but today millions of people are being offered the opportunity to work from home permanently, even if you live abroad.
The Ocado Group has told office staff they can work remotely from anywhere in the world, which means you really can live the so-called laptop lifestyle!
Silicon Valley giants have no plans to bring all staff back to their plush offices for the time being.
Not everyone likes the idea of permanent home working, and many miss the social aspect of going to work. Governments and retailers are also missing the revenue from city office workers.
To be fair, Tim Ferriss already had a physical business before he took off on his globetrotting adventures.
Can you really work a few hours a week while leading a laptop lifestyle? Of course you can!
There are hundreds of ways to make money online working from a laptop, tablet or smartphone from anywhere with a Wi-Fi connection.
You can learn how to become financially free, quit the rat race (if that’s what you want) and live life on your terms.
If you would like to learn how to invest and manage your money, become a professional property investor, and be financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
#timferriss #workfromhome #laptoplifestyle
Higher energy prices will hit millions of people across the UK in October, just when the cold weather starts, and the country moves into winter.
The energy regulator, Ofgem, said the price cap for default domestic energy deals would be raised to cover suppliers' extra wholesale costs.
Your typical gas and electricity bill could go up by £139 to £1,277 a year.
Prepayment customers will see an increase of £153, from £1,156 to £1309, the regulator said.
There has never been a more urgent time to review your tariff and consider switching to a cheaper supplier.
Switching is simple using one of the many comparison sites or making a few phone calls. Just Google ‘switch energy supplier’. One comparison site said you can save £268 by switching today. I have not verified this statement, but I have saved similar amounts by shopping around.
Check out my free S.M.A.R.T MONEY MANAGER COURSE VIDEO.
You can also save by calling you current supplier and asking them to put you on a cheaper tariff.
The worst tariff is usually the ‘standard’ one and people with prepay metres – usually the lowest paid - are paying the most for their energy.
HMO landlords who include bills in the rent should definitely shop around for the best deals, as tenants, like children, are not too fussed about turning off lights!
The energy price hike reflects rising costs of commodities across the globe.
Yesterday, the Governor of the Bank of England described price rise surge as “temporary”, as the Monetary Policy Committee (MPC) unanimously voted to hold base interest rates at the record low 0.1%.
Andrew Bailey did warn that if inflation continued to rise that the central bank would have to take “action”, which translates as higher interest rates.
The Bank warned inflation will hit 4% this year, higher than previously forecast and double its 2% target rate.
We have witnessed higher prices in the shops here and in America. The Consumer Prices Index hit its highest for almost three years in June, at 2.5%, as food and energy costs rose.
This could be a long cold winter for millions of people, so you had better prepare yourself.
Becoming financially free takes time and requires many hours of hard work and study.
If you would like to learn how to invest and manage your money, become a professional property investor, and be financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Where Are The 2021 London Property Sales Hotspots?
The London boroughs of Camden and Barnet top the 2021 property sales hotspot table, report says.
Around £70bn of property has been snapped up by UK buyers this year fuelled by government incentives, such as the Stamp Duty Holiday and the furlough scheme which ends in September.
London postcodes Camden and Barnet were the most valuable sales areas, with Brighton in eighth place and the only location outside the capital, according to Mortgage Solutions.
Watch Video version.
Estate agent Keller Williams UK analysed sold prices across the market in England and Wales since the start of the year and reports residential property sales reaching £68.8bn.
Higher property prices in the capital saw London lead the table. Property sales in Camden and Barnet alone reached £262.5m, with Merton and Wandsworth in SW19 hitting £248.8m. Kensington and Chelsea’s W8 postcode came fifth at £225,963,338.
However, the only top ten postcode outside London is BN3 postcode in Brighton and Hove, which has seen £206m worth of homes sold since the start of the year, making it the eighth-most valuable property postcode across England and Wales and the most valuable outside of London.
The popular seaside town of Brighton made the list (£157m), and was the only one on the list outside the capital.
The SL6 postcode in Maidenhead (£169.7m), the Dorset postcode of BN2 (£157m), SO41 in the New Forest (£125.9m), the Manchester postcode of WA15 (£120.7m), Southend’s SS9 postcode (£118.5m), BA2 in Bath (£117.1m) and Horsham’s RH12 postcode (£112.3m). Further evidence that buyers are seeking more space and fresh air, especially when given the option of working from home. Source: MortgageSolutions.co.uk
Is the property market about to crash?
Did you know that professional property investors make money whether the market is rising or falling?
If you would like to learn how to become a professional property investor, join the upcoming PROPERTY REVOLUTION SUMMITwhere you will discover secrets that have turned thousands of ordinary people into millionaires. CLICK HERE TO JOIN - https://bit.ly/37iBZxi
Up to 20% of employers plan on firing staff in response to the furlough policy change on 1 August, which see’s employers pay more, a survey has revealed.
The British Chamber of Commerce is calling for additional training to deal with thousands of redundancies predicted, the BBC said.
Watch video version.
From 1 August, government payments will be cut to a 60% contribution to salaries, with employers paying 20%.
Based on recent figures up to 30 June, 1.9m workers were on furlough, down from a peak of 5.1m in January. The government said 11.6 million jobs have been supported since the Job Retention Scheme launched in April 2020.
The scheme will close at the end of September.
The scheme meant that staff whose jobs were put on hold during the coronavirus pandemic were guaranteed 80% of their salaries up to government limits.
As the scheme started winding down this year, the support has being made less generous to ween businesses of government aid. From 1 July, employers have been asked to contribute 10% towards the wages of furloughed workers for hours their staff do not work, which has now risen to 20% during August and September.
The British Chamber of Commerce surveyed 250 businesses, with 18% saying they were likely to make staff redundant in response to the change to furlough.
A quarter said they would aim to reduce hours or move staff to part-time working patterns.
The tourism industry is in turmoil according to travel experts, which will deprive the UK of billions in revenue.
On a recent visit to two major areas, normal packed with foreign tourists, I saw mainly British visitors. One guide told me that numbers were down substantially with hardly any overseas customers.
Restaurants, hotels and bars are all suffering. Shopping venues like London’s Oxford Street rely heavily on the summer holiday season with half of sales from foreign visitors.
How will this affect the property market? Listen here for my views.
Make your money work harder for you, rather than working hard for your money.
If you would like to learn how to invest and manage your money, become a professional property investor, and be financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
The UK economy is predicted to grow faster than expected this year as it recovers from the lockdown, according to the International Monetary Fund (IMF).
The IMF upgraded growth forecasts for developed economies in its new assessment, but said the world is increasingly split into two blocs with the outlook for many developing countries weakening. Watch Video
The largest upgrade is for the UK to 7%, which is forecast to have the joint fastest growth of the G7 leading rich countries, together with the US, although that follows a sharp contraction last year that was the deepest in that group.
I was in central London this week and it was buzzing with activity again, with full cafes, restaurants and tour buses.
However, shop closures are still rising, especially in the North East where vacancy rates are the highest.
The end of the business rates relief and furlough scheme will be a further blow to the retail and fashion sector already suffering from increased competition from online retailers, such as Amazon.
I see shops closing all around me, but then opening up again a few months later by some hopeful start-up selling the same kind of stuff.
If you really want to get into business, the best way to get started without the huge financial risk of a physical business is to start with an online business.
Property is another type of business you can run part-time with little or no capital. If you would like to learn how to become a professional property investor, join the upcoming PROPERTY REVOLUTION SUMMIT where you will discover secrets that have turned thousands of ordinary people into millionaires. CLICK HERE TO JOIN - https://bit.ly/3zSpGEd.
Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
More Evidence Of Property Market Slowdown Post Stamp Duty Holiday
More worrying signs for the UK housing market have emerged following the ‘Stamp Duty property purchase tax’ holiday withdrawals, according to the Nationwide.
The leading building society own figures revealed that house prices dropped slightly in July compared with June, but were still 10.5% higher than a year ago, mirroring an earlier report by the Halifax, Britain’s biggest mortgage lender.
In the rush to buy, most stamp duty savings were outstripped by fast rising prices.
The tax break helped create a housing boom during the pandemic. Booms are often followed by busts.
A typical home cost £244,229 in July and annual house price increases were at a 17-year high in June, but slowed slightly in July, the lender said.
Breaks for property purchase taxes were pulled in Wales at the end of June, and reduced in England and Northern Ireland at the same time. The tax will return to normal levels by October.
The number of homes sold every month reached record levels not seen since comparable records started in 2005.
The market for large properties outside of town centres had surged, while sales of flats had fallen.
The number of transactions for properties bought for £500,000 or more increased by 37% over the 12 months to March, compared with a rise of 2% for all properties.
The search for space, indoors and outside, had driven demand for larger homes in which to live and work during the pandemic. Flats, without gardens and - in some cases - with issues over cladding and fire safety, have been more difficult to sell. Source: BBC News.
Professional investors make money from property whether the market is rising or falling.
If you would like to learn how to become a professional property investor, join the upcoming PROPERTY REVOLUTION SUMMITwhere you will discover secrets that have turned thousands of ordinary people into millionaires. CLICK HERE TO JOIN - https://bit.ly/3zSpGEd.
Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
What Habits Define Your Life?
Your habits define you and you are where you are today largely due to the habits you form.
Watch YouTube Video.
Good health habits will make you healthy, bad habits will kill you.
Good money habits will make you rich, bad habits will make you poor, which I talk about in my book ‘Yes, Money Can Buy You Happiness’ and S.M.A.R.T Money Manager Course.
Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
The UK is now paying almost £9 billion per month to service its debt of £2 trillion – close to 100% of GDP.
In America, the situation is even worse with an acknowledged debt of $30 trillion costing $600 billion per annum.
The real American liability amounts to over $150 trillion if you take into account pensions and social security liabilities. The UK has a similar problem with unfunded pensions, state benefits, elderly care and the NHS.
With record low interest rates the debts I’ve just about manageable, but what would happen if interest rates went up to a normal five or 6%?
The ONS said that by December 2020 9 million people had to borrow more money.
Where will this all end?
The answer is that nobody knows because we’ve never been in this situation before where every country in the world is printing money like there’s no tomorrow.
Inflation looks set to rise which will force up interest rates plunging millions and some government into bankruptcy.
You need to educate yourself about money, so that you know how to build and preserve your wealth when disaster strikes.
Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Welcome To The Course, Mastering Money The S.M.A.R.T Way Without Working Any Harder!
Lesson #1
Introduction And Course Overview
Do you struggle with money?
Do you worry about money?
Do you have arguments with your partner over money issues?
Do you have loans or credit card debt and struggle to keep up the payments?
If you have answered “yes” to any of the above questions, this is definitelythe course for you.
How To Master Your Money The S.M.A.R.T Way
Congratulations on taking the first step to taking back control of your finances and life!
Full text see - https://homebasedbusinessideasuk.blogspot.com/2021/07/exclusive-free-training-for-my-money.html
Action Steps
Starting today, make it your business to become a SMART MONEY MANAGER and you will start to see your fortunes turn around and you will find peace of mind. In fact, 99% of your money worries will evaporate, because the root of everyone’s financial worries can be traced to the following 5 SMART rules.
SMART MONEY MANAGERS:
S. Spend wisely and avoid expensive consumer debt
M. Manage and respect their money, making informed investment decisions.
A. Accumulate wealth over time taking the long-term perspective
R. Review their finances on a regular basis and make appropriate changes
T. Track their income and expenditure on a daily or weekly basis
Thank you for listening. In the next lesson, we will go into spending wisely and how to avoid expensive consumer debt.
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Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder.
As a thank you, I will give a special free gift which can help transform your finances when you attend the online training.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
UK inflation reached the highest level since August 2018 prompting a drop in share prices as investors looked for the safety of gold.
The price of gold was up this week following the latest UK inflation figures, which saw CPI rise to 2.5%. Despite the pound's recent strength, gold climbed to £1,311.59 per ounce.
Elsewhere, stock markets are subdued following the news, with the FTSE 100 down 0.46% at 7092 points, Spain's IBEX 35 down 0.26%, and the Shanghai Composite down 1.07%.
The data, from the Office for National Statistics, repeats what has been said for the past few months now: inflation is rising as food, clothing, fuel, and second-hand cars are all costing more. The Land Registry group also confirms that house prices are up 10% year-on-year, putting the average property value at £254,624; less than £1,500 off March's all-time record of £256,000.
What does this mean for the economy?
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
Would you like to learn how to become financially free without working any harder and spending your life exchanging your time for money?
Watch this free on demand trainingnow to learn how to become financially free without working any harder.
Click on this link to watch the free training now https://bit.ly/3wLWqx2
Do women marry for money? Absolutely!
Women say things like, “I’m looking for a man with a sense of humour who can make me laugh and go for walks in the park…” That’s a bunch of baloney!
The majority of women really want someone who is a good provider who can give her and future children financial security.
I’m offering a free Wealth Accelerator discovery coaching call to three people this week - CLICK HERE TO BOOK YOUR FREE CALL https://bit.ly/3zJ21GY
If you’ve ever watched a David Attenborough documentary, you’ll know that in the animal kingdom, the female of the species wants to mate with the leader of the pack, the strongest male to give them security and protect them make their offspring. It’s animal instinct. In the modern world, we forget how much our animal instincts still plays a part.
In Asian cultures women absolutely marry for money and security. Even in the UK, many Indian family marriages are still arranged according to financial status, class, occupation and career prospects. In short, it is about money!
See full article.
Remember this old saying:
When money stops coming through the door, love goes out the window.
Let me know your views in the comments.
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UK House prices dropped by 0.5% in June just as the long stamp duty holiday began to be phased out, according to the Halifax.
Annual property prices still rose 8.8%, resulting in average prices more than £21,000 higher, which is more than most people saved on stamp duty in the mad scramble to buy a home. The average price of a UK property according to the lender is now £260,358.
The Government removed the need to pay stamp duty on some properties for much of the pandemic in a bid to stimulate the market in England, Wales and Northern Ireland.
The move worked, but critics argue that it caused price inflation and could created a property bubble if demand falls.
Mortgage lenders, like the Halifax and Nationwide, long with estate agents are confident that, "The power of home movers to drive the market won't fade entirely as the economy recovers”.
Demand remains high among buyers seeking larger family homes with the average price of a detached property climbing faster than any other type over the past 12 months - shooting up by more than 10% or almost £47,000 in cash terms.
Detached homes now cost on average more than half a million pounds, £200,000 more expensive than the typical semi-detached house.
Double tax on holiday homes
A Welsh local authority plans to double council tax on second homes in order to deter the growing number of English buyers snapping up seaside holiday homes on the coast of Wales.
Owners of holiday homes and empty properties in Gwynedd will be hit with double council tax from next month after Councillors backed the increase in premium from the current 50%. The tax could raise an extra £3m a year for social housing.
More than one in ten houses in Gwynedd was now classed as a second home.
Councillors in the larger city of Swansea are planning a similar tax hike.
Buyers, presumably priced out of the more expensive Devon and Cornwall, have been buying up properties in Welsh beauty spots. The effect of this prices locals out of the market and destroys local village life where properties are only used at weekends.
Councils have powers to increases local taxes on empty properties and second homes.
Cheap money also fuelling the bubble?
There is a buy-to-let mortgage available through the NRLA offering a 2 year fixed rate of 1.25%, with free legal fees and a £250 cashback! You could borrow a million pound on interest only and the mortgage payment would be just over £1000 per month. You couldn’t rent a million-pound home for that.
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Two Deadlines End 30 June - How Will They Affect You?
· Stamp Duty holiday ends, long live tax on property buyers!
· Wednesday 30 June is the deadline for most European Union (EU) citizens to apply to live permanently in the UK as settled residents.
The Stamp Duty exemption for homebuyers paying tax on properties which cost £250,000 or less is coming to an end, much to my solicitor’s relief! He will need a real holiday!
Wales temporarily raised its threshold for land transaction tax (LTT) during the pandemic from £180,000 to £250,000, in line with other UK governments.
The exemption, originally to March 2021, was extended to 30 June.
Some homebuyers have saved thousands by completing sales within the deadline, but others are set to miss out for various reasons including legal or mortgage delays.
From 1 July, stamp duty will be charged above £250,000 at the following rates:
· £0-£250,000 = 0%
· £250,001-£925,000 = 5%
· £925,001-£1,500,000 = 10%
· £1,500,000+ = 12%
On 1 October 2021, rates are due to return to normal. That means the point you to start paying stamp duty will revert to £125,001:
· £0-£125,000 = 0%
· £125,001-£250,000 = 2%
· £250,001-£925,000 = 5%
· £925,000-£1,500,000 = 10%
· £1,500,000+ = 12%
You can use the government's Stamp Duty Land Tax (SDLT) calculator to find out how much you would pay.
Will there be a slump in the market?
Whenever there has been a boom...
EU Settlement Scheme Deadline
The take-up of the European Union Settlement Scheme (EUSS) has been huge - but there are serious concerns that thousands of people have still not sought to register. Anyone who is not registered loses their legal right to live in the UK.
What is the EU Settlement Scheme?
The EUSS was launched in March 2019 to register EU citizens as settled residents in the UK.
This is a follow-on from Brexit, which ended freedom of movement and the right of people from the EU to come to the UK - and for UK citizens to go the other way.
More details - https://how2cometotheuk.blogspot.com/2021/06/eu-settlement-deadline-30-june-2021-how.html
See full article.
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I’m offering free Wealth Building Discovery Coaching Calls to three people this week.
Click Free Coaching Call to arrange your free call - https://bit.ly/3zJ21GY
Action Fraud figures show that victims of investment fraud lost at least £657m in 2020, as scammers preyed on financial vulnerability caused by the coronavirus pandemic.
There are different types of investment fraud, the most common involve shares, bonds, cryptocurrency and commodities such as wine, fine art and diamonds. Fraudsters contact you unexpectedly, promise generous returns and may say that the opportunity is time limited. They downplay the risks to your money. They call you repeatedly and keep you on the phone a long time in order to build your trust, stop you speaking to other people or having time to think about the offer. FULL ARTICLE
Report all scams online to www.actionfraud.police.uk or call 0300 123 2040 giving as much information as possible.
Financial education and literacy is not taught in schools, which is why most people are in the dark when it comes to personal finance and are forced to rely on financial advisers.
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In March 2021 Artnet News reported the sale of a piece of NFT digital art by Beeple’s which sold for $69 million at Christie’s auction. The artist, whose real name is Mike Winkelmann, jumped to number three on the list of most expensive living artists at auction.
An NFT, or Non-Fungible Token, is a type of digital asset, like a representation of piece of physical art or music, that you can own and trade, typically for between $40 and $200. A fungible asset in economic terms contains units that can be readily interchanged - like money. A non-fungible asset is a unique one-of-a-kind asset, like a work of art.
NFTs are bought and sold online, often with cryptocurrency, and they are encoded with the same underlying blockchain software technology as many cryptos.
So why would anyone want to own a digital asset, effectively a photograph of a piece of art, when they could take a photograph themselves?
Firstly, this new creative enterprise goes far beyond owning a photo of a painting. And let’s face it, millions of people buy prints, which are copies of original art, to hang on their wall.
Entrepreneur and influencer Gary Vaynerchuk said NFTs and the blockchain technology around them as something that will influence everything we do on the Internet.
Gary compares blockchain technology to the early stages of the internet when people thought that it was just a search engine or an online encyclopaedia.
I remember about 15 years ago reading an interview with Lord Sugar, who made his fortune manufacturing Amstrad computers, describing ordering something online as a waste of time and commenting that it would be quicker to go to the shop and buy it!
In the future, Gary predicts people will carry around digital wallet containing digital assets, ID and personal records and currency.
One wonders how many people will be left behind by the pace of change. Governments are concerned about the number older and poorer people unable to access essential services because they are not online or do not own a smart phone.
With the growing demise of the traditional High Street travel agent, it will soon be difficult to book a fight unless you have internet access.
Banks are trying to phase out cash and Sweden is one of the first countries to move towards a cashless society. Central Bank Digital Currencies (CBDCs) are already being planned in major countries and the EU.
The increase in speed of new developments in technology means we have to continue to study and keep ourselves up-to-date. This doesn’t mean going back to school or university, although I would recommend formal or vocational study if you want to change careers, and you could just involve 30-60 minutes a day reading online, listening to podcasts or researching videos on YouTube.
I read a statistic many years ago that only 10% of people do any further study after leaving school or university. Is it a coincidence that those who do study tend to be in the top 10% income bracket? Brian Tracy said that reading for 30 to 60 minutes a day will make you an expert in your field within six months and could get you to degree level within 2 to 3 years.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
I’m offering a free Wealth Accelerator discovery coaching call to three people this week - CLICK HERE TO BOOK YOUR FREE CALL https://bit.ly/3zJ21GY
Renting A Home Is Cheaper Than Buying For First Time In 6 Years
With low interest rates and high rents, it has long been assumed that it is cheaper to buy than rent. But the tide has turned thanks to soaring house prices and lower rental demand, especially in the city centres.
According to leading estate agents, Hamptons, it has become cheaper to rent a property than buy a home for the first time in more than six years.
The estate agency research reveals that prior to the pandemic in March 2020, people buying with a 10% deposit would have been £102 a month better off than renters....Full article
Property Investing Secrets - Discover the ultimate beginners' guide to property in 2021 With my friend and property expert Kevin McDonnell.
Complimentary Property Training - next session is on Wednesday 23rd June, and Kevin can't wait to see you there!
Do you want to start earning life changing sums of money from property whilst knowing you’re avoiding all the common mistakes beginners make when investing?
Well I'm going to promise you this:
Kevin help you avoid the all-to-easy mistakes most newbies make when getting started in property investing.
New investors must be increasingly strategic when it comes to spotting good opportunities, and knowing how to jump on them quickly (without worrying about finance roadblocks or having a little black book of contacts).
This free, live online training will provide you with knowledge, tactics, and strategies for identifying great deals, knowing which of the easy strategies to use, and getting the cash profits out fast - both now and every year!
Join Kevin on Wednesday and learn how to overcome the most common beginner mistakes in investing. Click HERE TO JOIN - http://bit.ly/3eMDgRLFREETRAINING.
The baby boomer and millennial generations are facing an uncertain future with job insecurity and drastically reduced state and private employer pension benefits.
How can you avoid ending up living your retirement days in poverty?
There are a number of steps you can take, but it starts....see full article.
I haven’t got time in this short presentation to cover everything - which I go though in my book and SMART MONEY MANAGER courses in more detail.
But I hope these simple mindset shifts and steps alone will open your mind and set you on the road to prosperity.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
I’m offering free discovery coaching calls to three people this week. Message me if you’re interested or email charles@charleskelly.net
British house prices leaped by an annual 10.9%, the most in almost seven years, and they look set to rise further as people search new homes after the pandemic, one of the country’s largest mortgage lender the Nationwide said.
Almost 70% homeowners considering a move said they would still go ahead even without the unlikely extension of a tax incentive by Chancellor Rishi Sunak, Nationwide said, according to a survey it conducted in late April.
The latest figures demonstrate the scale of the surge in house prices which hit a new record high at an average of £242,832, according to Nationwide, which whilst not the official Land Registry data is widely respected by the industry.
Nationwide added that house prices were 1.8% higher than in April.
Nationwide said there was scope for annual house price growth to accelerate further in the coming months, given how weak the housing market was in early stages of the pandemic.
However, if unemployment rises sharply later in 2021 - when Sunak's jobs protection programme is due to expire - there was scope for activity to slow, perhaps sharply, it said.
Official data from the Office for National Statistics has shown that house prices in March jumped by just over 10%, the largest annual rise by that measure in nearly 14 years – prior to the 2007 peak and later property and stock market crash.
Not all areas are booming and parts of London are seeing sharp price reductions on flats.
Coastal hotspots - in Devon, Cornwall and Dorset - have seen house prices rise by as much as 48% in a year as people ‘escape to the country’!
One million Britons fear losing homes when eviction ban ends - as up to 400,000 tenants have already been served notice or told to expect it due to unpaid rent over pandemic, The Daily Mail reports.
The tenant eviction ban expired on 1 June, which could see thousands of people with rent arrears evicted by bailiffs.
· Ban lifted meaning bailiff-enforced evictions can take place from now
· Government introduced ban to support renters through the Covid-19 pandemic
· Charity says that 400,000 renters have already been served with eviction notice
· A further 450,000 households are in rent arrears according to research
The Joseph Rowntree Foundation said 400,000 have already been served with an eviction notice or told they may be evicted and a further 450,000 households are in arrears with rent, JRF said.
In practice, possession claims leading to eventual eviction could take 6-12 months to go get through the county court system, which is already overloaded with all manner of legal cases.
Over 60% of buy-to-let landlords own just one property and many of whom are paying mortgages with little or no chance of recovering thousands of pounds of rent arrears built up during the lockdown.
Other news
The UK is likely to further restrict overseas travel taking Portugal OFF the ‘green list’
Apple wants staff back in the office by September.
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I’m offering free strategy coaching calls to three people this week. If you’re interested, email charles@charleskelly.net
Are You Fed Up Struggling With Money?
Firstly, I just want to thank you for taking the time to join me today. Money problems are one of the biggest causes of stress and relationships breakdowns. I can remember my parents having some almighty rows over money!
I’m Charles Kelly and for 25 years I worked as a Financial Adviser helping thousands of people solve their money problems. I was successful, but it wasn’t until I discovered the secrets to mastering moneythat my clients started achieving amazing results.
I’m also the author of three books including, “Yes, Money Can Buy You Happiness” and “Borrow and Grow Rich”.
I’m going to uncover 3 money secrets and a simple system for truly mastering money to help you start building real wealth and ultimately live the life you truly deserve.
Full article: https://homebasedbusinessideasuk.blogspot.com/2021/05/these-3-money-secrets-will-make-you.html
I haven’t got time in this short presentation to cover everything - which I go though in my book (Yes, Money Can Buy You Happiness) and SMART MONEY MANAGER courses in more detail.
But I hope these simple mindset shifts and steps alone will open your mind and set you on the road to prosperity.
If you enjoyed this and found it helpful, please like and share with your friends and follow me on social media to give more people free value.
I’m offering free strategy coaching calls to three people this week. If you’re interested, email charles@charleskelly.net
In these uncertain and rapidly changing times, it is important to choose an occupation which gives you some guarantee of a long-term future.
In the UK, the Home Office publishes an official list of ‘shortage occupations’, for which a qualified and experienced overseas migrant may qualify for a Skilled Worker visa.
The list includes jobs such as, Health Service and Residential Day Care or Domiciliary Managers, various scientists and engineers, web development professionals, nurses and senior care workers.
The official government list for working visa qualification, only covers a fraction of the huge labour shortages in the UK.
According to the report by Luminate, many industries experienced a particularly large number of hard-to-fill vacancies at professional level including architectural and engineering activities, computer programming and consultancy, education and care.
However, both of these lists contain glaring omissions- green jobs. In order to meet climate change targets, industry will need hundreds of thousands of skilled workers to fill new ‘green’ jobs.
For instance, is estimated that 23 million gas boilers will need to be replaced in the UK, but there are not enough trained engineers to do the work. There is a shortage of 100,000 boiler engineers right now!
Boiler engineers will have jobs for life replacing old boilers with electric and hydrogen boilers and servicing the new boilers.
Millions of petrol and diesel cars will have to be replaced as governments around the world tax them out of existence. This will create a huge number of new skilled jobs.
China is investing massively in new technology and green energy, as is the UK. The US could be left behind in what’s being called China’s century.
The 20th Century was America’s, after Great Britain’s empire started to unwind following the German led First and Second World Wars.
China is effectively colonising the world’s resources through trade rather than war.
If you exclude the disastrous Chairman Mao century, China was one of the leading economies in the world in 18 of the last 20 centuries?
The UK government recently announced a massive retraining programme to reskill millions of workers whose jobs have become redundant due to new technology.
The important word is “skilled”. Tens of millions of unskilled, as well as many skilled and technical jobs in accounting and law, will disappear in the next decade, so prepare yourself.
Self-driving vehicles, AI and robotic technology are already here!
Education is key to your future. Not just formal education, but also relevant vocational and on-the-job training in which you can ‘earn while you learn.
An increasing number of people prefer to quit the rat race and start their own businesses, which is great.
Caution. Don’t fire your boss until you can replace your salary with your new business and do not spend all your savings or borrow to set up an expensive physical business like a shop.
An ideal way to start is to set up a part-time online business, which you can run from home with little or no capital.
With this in mind, I’m offering 3 free coaching calls sessions to anyone who is prepared to take the time and effort to learn and master money and business. Check the link in the next 24 hours on my Charles Kelly Marketing Facebook page https://www.facebook.com/CharlesKellyMarketer.
Under the latest Regulations, landlords must have the electrical installations in their properties inspected and tested by a person who is qualified and competent at least every 5 years. CLICK HERE TO SEE FULL DETAILS.
Free Wealth Coaching Session for 3 people – limited offer
Boris has an unsatisfied CCJ at 10 Downing Street!
I was a financial adviser for 25 years, but became frustrated with the focus on only being regulated to offer products for the financial services industry. For instance, I could advise a client to invest in a Prudential Property Bond, but could not advise them to invest in a buy-to-let property themselves. I am no longer registered as an industry financial adviser, which means I cannot give specific advice on how to invest your money, but I can offer a wealth of guidance and tips on managing your money more effectively and building wealth over time. I am also the author of the book, , Yes, money can buy happiness, in which I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
With this in mind, I’m giving away 3 free coaching calls sessions to anyone who is prepared to take the time and effort to learn and master money. Check the link in the next 48 hours on my Charles Kelly Marketing Facebook page https://www.facebook.com/CharlesKellyMarketer
The UK economy fell by 9.9% in 2020, yet property prices went up, and the market is still hot!
House sales and property prices have surged amid government moves to stimulate the housing market.
New data from HM Revenue and Customs (HMRC) showed UK property transactions in March hitting the highest monthly level since modern records began in 2005.
The housing market has been almost immune to the Covid crisis as people rethink their lives and where they want to live.
Official data also shows average UK house prices rose 8.6% in a year.
HMRC figures show that there were 180,690 UK property sales recorded in March, which was more than double the number in March last year and 50% higher than February!
Many people are asking if prices will fall in 2021.
There are a number of factors which could prevent a fall in prices, one of them being the recent launch of a government-back 95% mortgage guarantee scheme to allow people to buy a property with just 5% down.
Another factor is that when governments have pumped billions into the economy asset prices, such as property, have usually risen – as they did after the 2008 financial crisis.
The truth is, nobody really knows for sure. Some experts are predicting a new boom.
In the long term, property has always gone up in value and there is still a massive shortage of housing in the UK.
But what if there was a strategy which enabled you to invest in property without risking your own money and makes money for you whether the market goes up or down?
My friend Kevin McDonnell is hosting a complimentary event tonight to show you the benefits and the potential of creating a property portfolio, without putting your own life savings down. In this webinar, you will discover the beauty of No Money Down Investing!
Kevin is one of the smartest property investors I know and he can show you how he went from broke and in debt to multi-millionaire in a few short years.
Kevin is not worried about a market correction because he will make money in a rising or falling market.
His next session is on Thursday 22nd April
Why is this strategy right for you?
You will leave seeing how invaluable this strategy is, no matter the obstacles that come your way.
You will learn how to gain assets with little/none of your own money and how to create the relationships to do so!
There is so much that people do not understand about this strategy, that is why the No Money Down webclass will be showing you strategies on how to build and grow your property portfolio - without risking your savings.
This strategy is timeless.
If this sounds right up your street then join Kevin on Thursday 22nd April at 7pm when he will reveal how to quickly build and maintain a successful property portfolio.
Don’t miss out - Claim your spot now!
More details - https://bit.ly/3eiiIiA
Missed the class? No problem. Just drop me a message charles@charleskelly.net and I'll book you on a future class.
The UK government has announced the launch of a new 95% mortgage scheme.
· 95% mortgage guarantee launches today, available on high streets across the country
· Scheme part of a range of ownership options to help make home ownership a reality
· New figures show demand for home ownership has soared during lockdown, with nearly 80% of private renters now saving for a deposit
A new government-backed mortgage guarantee scheme, announced in the March Budget, to help people with 5% deposits get on to the housing ladder will be available to lenders from today 19 April 2021, a spokesperson confirmed.
The scheme will help BOTH first time buyers AND current homeowners obtain a mortgage with a 5% deposit to buy a house of up to £600,000 – offering a route to home ownership to those with low deposits.
For more details see https://homebasedbusinessideasuk.blogspot.com/2021/04/property-news-95-mortgages-available-now.html
The stamp duty holiday comes to an end in June, prompting fears of a slowdown in the property market. The new guarantee scheme could push prices to new record highs making it more difficult for first-time-buyers to get on the property ladder.
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The end of the current tax, or fiscal year, is approaching fast on 5th of April, so not long to make your final plans.
This is the time of year when you should be thinking about using up all of your tax allowance before they are lost forever.
· ISA's - tax free savings accounts
· Pension Contributions
· Marriage allowance - not always claimed
· Tax relief for working at home
Talk to an accountant or independent financial advisor for more advice. It could save you thousands!
Full article
How To Start A Money Making Business From Home Without Capital Or Risk!
With pubs and restaurants closed for the lockdown in the UK and Ireland it's a reminder of how vulnerable physical businesses, like pubs, restaurants and shops are to economic downturns or market changes.
At the same time, internet business owners are getting richer. Never in history has more goods been bought on the internet.
The internet has given small home-based businesses an opportunity to compete with the big companies which have dominated the market. They took the best sites in the high street and malls, and often drove small retailers to the wall with massive advertising and undercutting. Fortunately, this has now changed and that’s how you can benefit from the online bonanza.
You can now set up a risk-free online business or store - from home in your spare time - and sell to a potential market of 5 billion people browsing the internet every day looking for solutions to their problems.
You no longer need to rent a shop or premises and pay high taxes and bills before you make a penny. And you don’t have to quit your job until your business income exceeds your salary.
Here are 3 simple steps...Full article
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Here’s the best part. It’s risk free and no capital investment required! No re-mortgaging your house and borrowing thousands or risking everything to open up a physical business. And you can get started right away. What have you got to lose?
PS. One final thing…this free lifetime access is on offer for a limited period only.
GrooveFunnels only plan to keep this offer open for a short while and will soon start charging at least $99 dollars per month to access the same package you can get for free for life – NO credit card needed…FREE LIFETIME ACCESS.
3 Easy Steps To Starting A Risk-free Business From Home With No Capital Or Product
Happy St Patrick’s Day!
With pubs and restaurants closed for the lockdown in The UK and Irelands, this will be a very quiet St Patrick’s Day. This is a reminder of how vulnerable physical businesses, like pubs, restaurants and shops are to economic downturns or market changes.
At the same time, internet companies are getting richer. Never in history has more goods been bought on the internet. Even before the pandemic, the high street was already under pressure from online shopping, which has exploded in the last few years.
Read full article
Step 1
Sell solutions to people’s problems
Research your idea or product online – where else! You can check on Google how many people are searching for products or solutionsto their problems. For instance, millions of people want to be slimmer and healthier, especially in these times. According to wordstream.com, 450,000 people have recently searched for “how to lose weight” on the internet. Other ‘keyword’ searches like “diet” and “lose weight fast” had similar results. That’s just one niche!
You can literally find out how many people are searching for keyword solutions by checking on Google and specialists like Wordstream.com and Mondovo.com absolutely free. Market research like this was previously only available to large companies with large budgets. Now you can access it for free.
You can get up and running with your online business website today for free with GrooveFunnels. For more information…click here.
Step 2
Set up your online business today
Set up an online business selling products that people are looking for (not what you think the market needs), or sell to people online from your existing business, by setting your website online today. You don’t need to pay a designer or software engineer to set up a website, as there are readymade templates and off-the-shelf website pages to get your business started today. In the past, I have spent tens of thousands on websites because they had to be designed and built from scratch, which took months. Fortunately, you don’t have to go through this pain.
You can now build a simple website for free using GrooveFunnels template pages and built-in shopping cart checkoutfacilities with a click of a button. GrooveFunnels is offering free lifetime access for a limited period only – no credit card required to open and start using your free account. For more information, click here.
Step 3...Read full article
PS. One final thing…this free lifetime access is on offer for a limited period only. GrooveFunnels only plan to keep this offer open for a short while and will soon start charging at least $99 dollars per month to access the same package you can get for free for life – NO credit card needed…FREE LIFETIME ACCESS.
In yet another blow for buy-to-let landlords with tenants not paying their rent, the UK government has announced another extension to the current ban on bailiff-enforced evictions in England until May 31.
From June the ban will “taper” off, leaving landlords confused since no details have been released on exactly how this will take effect.
Housing Secretary Robert Jenrick said:.....click for full article
The continued eviction ban will not help the millions of property investor landlords running small businesses with mortgages, trying to build up a pension or supplement their income in retirement.
With the country is facing a pensions timebomb, people who take the initiative to provide for their own retirement should be encouraged with tax breaks.
Will property prices crash in 2021?
Have you ever tried to start an online business, but were then let down by software and web developers, or just couldn’t get past a technical issue? I have!
Then I discovered a new game-changing system that changed everything for me.
GrooveFunnels software helped me launch an online marketing business in a matter of hours instead of weeks and months…
Why is GrooveFunnels so different?
First of all, it’s easy to use.
Secondly, it works.
But the real clincher was it was free to use and get started.
Yes, free Access to GrooveFunnels - the new best way to build better funnels and web pages that sell!
Free for LIFE
-
No games. No fine print.
-
No credit card needed ever!
-
$99/month value… Now free.
-
Grab your account while you still can!
The world has changed so much recently.
And during these times, I am always excited whenever I find new solutions to help you.
I’m sure you’ve heard of software tools designed to help you build websites, sales pages and online funnels.
Because sales funnels are proven to be effective, any such tools could reasonably command high monthly fees to access.
Unfortunately, this could also be out of reach for many business owners and marketers who are on a budget, especially during uncertain times.
This is where GrooveFunnels comes in.
GrooveFunnels is the new, better way to build funnels and sell digital products online.
Finally, you can get instant access to practically everything you need to sell your products and services online.…
Including:
-
Full product funnels
-
Brand websites with full navigation
-
Custom domain names
-
1-click upsell capabilities
-
Upsells, downsells and order bumps
-
The world’s most powerful affiliate program
-
And so much more…
Yes, this is a game changer.
And right now, for a limited time only, you can get started for absolutely free.
No credit card. Lifetime access. Unlimited usage. Forever.
I’m not sure about you, but I will be switching my entire business over to GrooveFunnels.
Literally everything I need, and save thousands a month in the process.
You’ll have to see it to believe.
Take a closer look at it yourself, and pick up your free account while you’re there:
https://groovepages.groovesell.com/a/uy9VcdqIvopT
As we celebrate International Women’s Week, new research in UK has found that the average woman in her twenties today will retire with £100,000 less in her pension than men.
The BBC reports that the insurance and pension provider Scottish Widows found that women will need to work an extra 40 years just to close the gap.
The main reasons are lower average earnings, greater probability of working part-time or taking career breaks and heavier childcare burden.
See full article - https://homebasedbusinessideasuk.blogspot.com/2021/03/women-could-get-100000-less-pension.html
Start a part-time side hustle
A part-time side hustle or business could easily bring in thousands of Dollars, Euros or Pounds and could replace your full-time job enabling you to quit your job.
What would an additional $5,000 per month mean to you?
Financial freedom…
More time with the family…
Your dream house or car…
Freedom to fire your boss?
Maybe you only need $500 per month to change your life and save for a better future?
I am not suggesting you start a physical business. You can start a business from your laptop or smartphone from the comfort of your home, risk free and without spending money on overheads.
The best part of online marketing is that you don’t even need your own product to make money.
To get started, you could set up an online business selling other people’s digital products for a business model called affiliate marketing.
Perhaps, you may have tried to set up online businesses or websites but then got stuck…?
Have you ever tried to start an online business, but were let down by software and web developers, or just couldn’t get past a technical issue? I have…yes to all of the above!
It wasn’t until I discovered a new game-changing system that everything changed for me.
GrooveFunnels software helped me launch an online marketing business in hours, and changed my life forever…
Why?
First of all, it’s easy to use.
Secondly, it works.
But the real clincher was it was free to use and get started.
Yes, freeAccess to GrooveFunnels - the new best way to build better funnels and web pages that sell!
- Free for LIFE
They have built a complete, all-in-one platform with all the essential tools so you don’t need to worry about multiple subscriptions to a variety of services that would easily add up to thousands per month.
Finally, you can get instant access to practically everything you need to sell your products and services online.
-
Full product funnels
-
Brand websites with full navigation
-
Custom domain names
-
1-click upsell capabilities
-
Upsells, downsells and order bumps
-
The world’s most powerful affiliate program
-
And so much more…
Yes, this is a game changer.
And today, for a limited time only, you can get started for absolutely free.
No credit card. Lifetime access. Unlimited usage. Forever.
I’m not sure about you, but I will be switching my entire business over to GrooveFunnels.
Literally everything I need, and save thousands a month in the process.
You’ll have to see it to believe.
Take a closer look at it yourself, and pick up your free account while you’re there:
https://groovepages.groovesell.com/a/uy9VcdqIvopT
As expected, the Chancellor Rishi Sunak has extended the Stamp Duty Holiday for a further three months to help sellers and buyers complete transactions.
Budget Main Points
Covid-19 Support Extended
· Furlough extended to end of September
· Support for self-employed to be extended until September
· 600,000 more self-employed people eligible for help with access to grants widened
· Minimum wage will increase to £8.91 an hour from April.
Property Investor Takeaway
· Stamp duty holiday on house purchases in England and Northern Ireland extended to June
· No Stamp Duty tax liability on sales of less than £500,000 for residential buyers
· Mortgage Guarantee Scheme for 95% to be introduced next year....
Some property experts expect property prices to rise due to a combination of fiscal stimulus (money printing and government borrowing), stamp duty holiday extension, historically low interest rates and the return of a 95% mortgage free-for-all!
A word of caution....Full article published on Money Tips Daily.com
Question.
Have you tried to start an online business, but been let down by software and web developers?
New free game changing system to help launch your online marketing business and change your life…
Free Access to GrooveFunnels - the new best way to build better funnels
-
Free for LIFE
-
No games. No fine print.
-
No credit card needed ever!
-
$99/month value… Now free.
-
Grab your account while you still can!
The world has changed so much recently.
And during these times, I am always excited whenever I find new solutions to help you in whatever way I can.
I’m sure you’ve heard of software tools designed to help you build websites, sales pages and online funnels.
But this is a game changer.
And today, for a limited time only, you can get started for absolutely free.
No credit card. Lifetime access. Unlimited usage. Forever.
I’m not sure about you, but I will be switching my entire business over to GrooveFunnels.
Literally everything I need, and save thousands a month in the process.
You’ll have to see it to believe.
Take a closer look at it yourself, and pick up your free account while you’re there:
https://groovepages.groovesell.com/a/uy9VcdqIvopT
What can property buyers expect from the UK Budget?
Will Stamp Duty Holiday be extended by Chancellor Rishi Sunak in the 3 March Budget?
Possible extension of the stamp duty holiday in England?
Mortgage guarantee to help buyers with 5% deposit
A new ‘mortgage guarantee scheme’ to help people with small deposits obtain a higher ‘loan-to-value’ mortgage to get on the property ladder is set to be announced.
£126m boost for new “flexi-job” traineeships in England
Tax increases to pay for the £270 billion of borrowing last year?
Full article - https://homebasedbusinessideasuk.blogspot.com/2021/03/what-surprises-can-you-expect-from.html
Find out more and watch the Budget live on the BBC, 3 March 2021 at 12.30pm.
Have you tried to start an online business, but been let down by software and web developers?
New free game changing system to help launch your online marketing business and change your life…
Free Access to GrooveFunnels - the new best way to build better funnels
-
Free for LIFE
-
No games. No fine print.
-
No credit card needed ever!
-
$99/month value… Now free.
-
Grab your account while you still can!
The world has changed so much recently.
And during these times, I am always excited whenever I find new solutions to help you in whatever way I can.
I’m sure you’ve heard of software tools designed to help you build websites, sales pages and online funnels.
Because sales funnels are proven to be effective, any such tools could reasonably command high monthly fees to access.
Unfortunately, this could also be out of reach for many business owners and marketers who are on a budget, especially during uncertain times.
This is where GrooveFunnels comes in.
GrooveFunnels is the new, better way to build funnels and sell digital products online.
It’s not just one or two simple tools, or solely a “funnel builder,” either.
This is your complete digital products and services online sales system.
Co-founded by Mike Filsaime, one of the top Internet marketing experts in the world, GrooveFunnels is a suite of products that includes all the tools you need to run your online business.
They have built a complete, all-in-one platform with all the essential tools so you don’t need to worry about multiple subscriptions to a variety of services that would easily add up to thousands per month.
Finally, you can get instant access to practically everything you need to sell your products and services online.
… Including:
-
Full product funnels
-
Brand websites with full navigation
-
Custom domain names
-
1-click upsell capabilities
-
Upsells, downsells and order bumps
-
The world’s most powerful affiliate program
-
And so much more…
Yes, this is a game changer.
And today, for a limited time only, you can get started for absolutely free.
No credit card. Lifetime access. Unlimited usage. Forever.
I’m not sure about you, but I will be switching my entire business over to GrooveFunnels.
Literally everything I need, and save thousands a month in the process.
You’ll have to see it to believe.
Take a closer look at it yourself, and pick up your free account while you’re there:
https://groovepages.groovesell.com/a/uy9VcdqIvopT
Money Tips News Round Up Friday 19 February 2021
v UK government borrowing soared to £8.8bn in last month
v Uber Drivers are “NOT self-employed, Supreme Court Rules
v Free Property Training For Money Tips Followers – Could 2021 Be Your Year?
UK government borrowing soared to £8.8bn in last month, the highest January figure since records began in 1993, reflecting the cost of pandemic support measures.
See more: https://moneytipsdaily.com/money-tips-news-round-up-friday-19-february-2021
Free Property Investing Summit For Money Tips Followers
Could 2021 make you a property millionaire?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
Sunday 21 February 2021 10am
Property Revolution Summit: Discover How Educated Investors Are Using Revolutionary Strategies to Maximise Profits
As the UK is in the midst of coming out of the lockdown (hopefully soon!), this next transition could be the most important of your property investing career: It's not just a change, it's a REVOLUTION.
We know you will be full of uncertainty and confusion in most things right now, but we want you to know that property does not need to be a stress or a burden.
How can you slice through the white noise of everyone else and build relationships with estate agents and secure the deals you want?
These next few months could set you up for life if you are educated and knowledgeable in how to leverage it. This small window of opportunity won’t be around forever.
We are constantly monitoring the ever-evolving property industry, we are going to show you how to get better deals than everyone else. When £10,000’s is on the line, it’s no time to take it slow.
With many people struggling to know if property is the right industry to be in or to even get into, others may be wondering where to go now on their property path...
That’s why, the UK’s #1 property education company is taking leadership of the situation and equipping you to realise that this may be a change, but it's an even bigger opportunity.
Claim your place now!
Here is what they are offering in this free exclusive online summit:
They will cover:
· What you need to know, do & avoid urgently during these unprecedented times in the property industry
· How to Absolutely maximise the next 90 days & take the (hidden) opportunities
· An exclusive mindset session to help you be first and fastest and strongest as the lockdown lifts
· The upcoming summer strategy for 2021 - Serviced Accommodation
· The property strategies that are working NOW that most of the world have not yet figured out
· Where & how to invest in the new property climate & make 2021 your best year
· NEW cashflow strategies
Don't wait, claim your place now!
Could 2021 make you a property millionaire?
Reserve your place now on this free Property Revolution Summit:
http://bit.ly/3atSUPH
How Long Will The Party Last?
The average prices of UK house climbed 8.5% in 2020, the highest yearly growth rate since October 2014, according to the official Land Registry data.
The average UK house price reached a record high of £252,000 in December 2020, the Office for National Statistics said.
The UK is made up of a number of distinct markets, some a world apart from London where average prices are just under £500,000.
The North West had the highest growth of 11.2%, while London rose just 3.5%.
The stamp duty holiday and buyers reassessing their housing preferences contributed to the rise, the ONS said.
The desire for more space during the pandemic saw the average price of detached properties rise by twice as much as flats and maisonettes during 2020, up by 10% and 5% respectively.
In Wales, where there has been a recent boom in second home purchases, enjoyed the fastest growth, with property values rising 10.7% to £184,000.
In England, prices climbed 8.5% to £269,000, in Scotland, 8.4% to £163,000 and in Northern Ireland 5.3% to £148,000.
There is speculation that the Stamp Duty holiday, due to end in March, will be extended for a further six weeks.
Avoid following the FOMO herd into highly priced property, stocks and Bitcoin.
As always, do your research, take financial advice, and buy right.
Will property prices crash in 2021?
Here’s the real secret…professional property investors make money from property whether the market is rising OR falling.
Just like professional share traders make money in a bull or bear market, property investors make money either way.
Here’s another secret…you make money when you buya property, not in ten years when you hope it will have gone up in value.
Wise “value” investors, like Warren Buffett, do not follow the herd or buy something because the “market” says it worth a certain price. They buy at what they judge is the right value and wait patiently, sometime for years, until the price is right or they move on. Warren is sitting on $180 BILLION in cash right now because he thinks the stock market is way over valued.
So, if you want to make money from property, learn from the professionals and learn how to buy right, in the right areas and for the right reason. You should take advantage of the many free webinars available for anyone who wants to invest in UK property.
In case you were busy and missed the Valentine’s Day free webinar training, Kevin is running the session again on 17thFebruary CLICK TO SAVE YOUR PLACE- http://bit.ly/37eyFU4
Discover the ultimate beginners' guide to property and learn how you could be earning £1,000+ per month in 2021 using the hottest strategies in property investing right now!
On Wednesday February 17th at 7 PM, my friend and multi-millionaire property expert Kevin McDonnell is running a free online training to show you how to overcome the most common beginner mistakes in property investing.
Do you want to start earning life changing sums of money from property whilst knowing you are avoiding all the common mistakes beginners make when investing?
Kevin helped me and he will help you avoid the all-to-easy mistakes most newbies make when getting started in property investing.
CLICK TO SAVE YOUR PLACE- http://bit.ly/37eyFU4
Happy Valentine’s Day!
The UK economy crashed by 9.9% in 2020, the worst drop in GDP on record, yet property prices rose by 7%! But will prises crash in 2021? The simple answer is nobody really knows and even if they did it would depend on a number of factors – like the speed of the economic recovery and the level of government spending and support for the housing market.
Despite the worst recession in 300 years, domestic property transactions were up 16%, average prices across the country jumped by almost 7% last year and the market is still buoyant despite a slight fall in January.
British auctioneer, Savills, sold over £100 million worth of property from its last three online auctions...read more at https://moneytipsdaily.com/will-property-crash-in-2021-as-uk-gdp-falls-10/
My Valentine’s Day gift to you!
Discover the ultimate beginners' guide to property and learn how you could be earning £1,000+ per month in 2021 using the hottest strategies in property investing right now!
Valentine’s Day Property Special!
On Sunday February 14th at 7 PM, my friend and multi-millionaire property expert Kevin McDonnell is running a free live online training to show you how to overcome the most common beginner mistakes in property investing.
Do you want to start earning life changing sums of money from property whilst knowing you are avoiding all the common mistakes beginners make when investing?
Kevin will help you avoid the all-to-easy mistakes most newbies make when getting started in property investing.
Click here to join his free online training – Click http://bit.ly/2NcPKqD
Travellers arriving in England forced to stay in hotels will be charged £1,750 for ten days of quarantine, the UK Health Secretary Matt Hancock has announced.
The border control measures will come into force on Monday and apply to UK and Irish residents returning from countries on the high-risk so-called ‘red list.
Opposition parties have called for stronger border controls, as travellers from the 33 red list countries, which include South Africa, Panama and the UAE, do not make up the majority of the 20,000 plus people arriving in London from around the world every day.
Anyone breaking the rules and failing to quarantine in a government-sanctioned hotel for 10 days will be fined up to £10,000.
However, all overseas travellers flying into Scotland…Full article - www.moneytipsdaily.com
Will property crash in 2021?
The simple answer to the question everybody is asking is nobody really knows. Despite the worst recession in 300 years, average UK property prices jumped by almost 7% last year, and the market is still buoyant. Online auctioneer Savills have sold over £100 million worth of property from its last three auctions.
I attended Tuesday’s online only auction, and witnessed over £37 million worth and more than 100 properties across the UK go under the hammer. Properties, from a few thousand to millions of pounds, were selling fast at way over the guide prices – one sold for £200,000 over guide.
Remember that auctions are for experienced investors and you should take advantage of the many free webinars available for anyone who wants to invest in UK property.
Discover the ultimate beginners' guide to property and learn how you could be earning £1,000+ per month in 2021 using the hottest strategies in property investing right now!
On Sunday February 14th at 7 PM, my friend and multi-millionaire property expert Kevin McDonnell is running a free live online training to show you how to overcome the most common beginner mistakes in property investing.
Do you want to start earning life changing sums of money from property whilst knowing you are avoiding all the common mistakes beginners make when investing?
Kevin will help you avoid the all-to-easy mistakes most newbies make when getting started in property investing.
Click here to join his free online training – Click http://bit.ly/2NcPKqD
Cladding Scandal Sees Buildings Insurance Premiums SOAR 1000%
As Insurance Premiums Across The Board Rise, How Can You Save Money?
Owners of properties blighted by fire hazard cladding face 1000% hike in their building’s insurance and no solution for those trapped in unsafe and unsaleable flats.
A 28 year old woman from Leeds, who bought her first flat two years ago, has declared herself bankrupt after handing back the keys to her virtually worthless property. But did she need to declare bankruptcy?
Insurance practice a process known as ‘walking the price’, which will cost you thousands if you stay with the same company for years.
10 Tips To Save Money On Car Insurance:
-
Rule Number 1. Loyalty does not pay!
-
Never auto renew without shopping around first
-
Check renewal 2-3 weeks in advance of renewal date
-
Go for low mileage insurance if you are not driving so much now
-
Young drivers can save by adding an older, more experienced driver
-
Try getting quotes for multi-car policies which can save you money in some circumstances
-
Your own insurer could be cheaper on a comparison site than they are quoting you directly
-
Make sure you get like-for-like cover – check the small print and terms and conditions
-
At very least, ask your own company for a better deal to stay with them
-
Paying monthly could cost you up to 40% extra – pay in advance on a low interest credit card
Will property prices rise or fall in 2021?
Find out more…
Ultimate Property Beginners Guide Free Webinar – Wednesday 10 February 2021 7PM
On Wednesday February 10th at 7 PM, my friend Kevin McDonnell running a free live online training to get you started in property and show you how to overcome the most common beginner mistakes in property investing.
Click HereFor Free Training - http://bit.ly/3oLhLmf
DEADLINE EXPIRES MIDNIGHT 29 JANUARY 2021
Application eligibility for the third Self-employed Income Support Scheme (SEISS 3) grant, expires tonight. This grant covers up to 80% of lost income between November and January.
If you meet the eligibility criteria the grant will provide a lump sum up to £7,500 to cover up to 80% of your average trading profits.
Only use the official Government claims portal, which you can doat any time until 29 January 2021. Once you apply, HMRC will check your claim and pay your grant into your bank account within six working days. You will get an email when your payment is on its way.
https://www.gov.uk/guidance/claim-a-grant-through-the-self-employment-income-support-scheme
We are expecting a fourth grant covering a percentage of average income from February to April 2021, but may have to wait until the March budget before Chancellor Rishi Sunak makes any announcement.
The fourth grant could change the way funds are allocated to prevent thousands of self-employed people slipping through the net and getting no support. Small business owners I speak to complain that they do not qualify for grants or even bounce back loans because they have recently set up their business or their profits are too low.
As the UK lockdown is expected to continue for another three weeks, the Federation of Small Business estimates that 250,000 small businesses will go under this year.
Angry protesters gather outside NYSE as GameStop share trading suspended
Do you spend hours online every day?
If you can spend time and money online, you can definitely make money online too!
The Secrets Of Social Media Revealed - Rethink Your Social
Social media guru and bestselling author Paul O'Mahonyis hosting a free live webinar on the 31st January where he will show you how you can create simple online money-making machines by using the same amount of time you may already be spending online.
Register here
At the webinar, you will learn:
· How to cash in on the biggest business opportunity of all time
· How to get started making money online without any products or business experience
· How to scale your business if you already have one
· How to have certainty with your finances in an even uncertain world
· How to find the ideal clients for your business with Facebook, Instagram, LinkedIn and Twitter
I have read his book and attended his courses, but I will still be there because things are always changing in the social media world – what worked on social media 5 years ago may not work now – and there’s always something new to learn from Paul.
I hope you’ll be there too!
Register here - http://bit.ly/3aj6iVP
Unemployment rises by highest rate since 2009 crisis – what can you do to earn extra money?
· Young people aged 25 to 34 face biggest risk of redundancy
· Unemployment rate hits 5% with 1.7m jobless according to ONS
· 9 million people forced to borrow to cope with COVID-19 disruption
· 400,000 extra people were jobless in November 2020 compared to previous year
· Millions of jobs won’t come back after lockdown – how can you survive in new economy?
· AI and new technology will force millions of workers to retrain and learn new skills
Proposed Leasehold Reforms Could Save You 1000’s Extending Leases Or Buying Freeholds
Click Here For Free Leasehold Reforms Report - https://aw102f27.aweb.page/awlist5290445
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Kickstart 2021 - 3 Day Insider Property Secrets Course
CLICK HERE TO JOIN - http://bit.ly/3pnF9al
Thousands of small businesses are set to receive previously refused insurance claim payments covering losses from the first national lockdown last year, following a court ruling.
Supreme Court judges found in favour of small firms receiving payments from Business Interruption Insurance policies.
The ruling provides a lifeline to thousands of small businesses, allowing them to survive the coronavirus crisis, but could cost the insurance sector hundreds of millions of pounds and lead to higher premiums in the future.
The financial watchdog, the Financial Conduct Authority (FCA), brought the test case, with eight insurers agreeing to take part in proceedings.
The major business insurer Hiscox...
Full article...and more at www.moneytipsdaily.com
Other Money News
· HSBC to close 82 branches in the UK
· China’s economy grew by 6.5% in last quarter of 2020
· As London’s populations falls, will City Centres recover?
· Mastercard may have to pay millions of cardholders compensation following court ruling
See also: Have you applied for the new lockdown grants?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Following the third Covid-19 lockdown, which started 5 January 2021, the UK Chancellor, Rishi Sunak, announced a further £4.6 billion in grants to the retail, hospitality and leisure sectors. This new round of support follows extensions to the job retention and loan schemes revealed on 17 December 2020. There may be more to come with the Budget on Wednesday 3 March 2021.
New lockdown 3.0 grants An extra £4.6 billion in lockdown grants has been directed at the worst affected sectors.
New grants for closed retail, hospitality and leisure businesses have been introduced. The new grants are in addition to all other forms of support, such as the Lockdown Restrictions Support Grant (LRSG (Closed) Addendum) which applied to businesses that were forced to close between 5 November and 2 December 2020...full article and details available at www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
The third Self-employed Income Support Scheme (SEISS) grant, announced by Chancellor Rishi Sunak on 5 November, has opened up for applications. This grant covers up to 80% of lost income between November and January.
If you meet the eligibility criteria the grant will provide a lump sum up to £7,500 to cover up to 80% of your average trading profits.
Beware of scams and only apply via the official Government claims portal, which you can doat any time until 29 January 2021. Once you apply, HMRC will check your claim and pay your grant into your bank account within six working days. You will get an email when your payment is on its way.
https://www.gov.uk/guidance/claim-a-grant-through-the-self-employment-income-support-scheme
To apply, or check eligibility, you will need the following official government information:
· Self-assessment unique taxpayer reference (UTR) – if you do not have this, find out how to get your lost UTR.
· National insurance (NI) number – if you do not have this, find out how to get your lost NI number.
· Government Gateway user ID and password – if you do not have a user ID, you can create one when you make your claim.
· UK bank details (only provide bank account details where a Bacs payment can be accepted) including the bank account number, sort code, name on the account and address linked to your bank account.
· You must make the claim yourself. Your tax agent or financial adviser must not claim on your behalf as this will trigger a fraud alert.
We are expecting a fourth grant covering a percentage of average income from February to April 2021.
Employees can still benefit from the ‘furlough’ Coronavirus Job Retention Scheme, paying 80% of a furloughed employee’s salary up to £2,500, which is being extended until the end of March 2021.
Many self-employed people are slipping through the net and getting no support. Small business owners I speak to complain that they do not qualify for grants or even bounce back loans because they have recently set up their business or their profits are too low.
Whilst there is always the option claiming income support benefits through Universal Credit, many self-employed people are still trying to keep their businesses going through the lockdown and are not technically unemployed.
As the government hints at even tougher lockdown action, the Federation of Small Business estimates that 250,000 small businesses will go under this year.
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
The Transport Minister has announced that all international travellers will shortly have to provide proof of a test negative for Covid-19 before departing to the UK.
Passengers arriving by plane, train or boat, including UK nationals, must take a test up to 72 hours before leaving the country they are in.
Passengers arriving from countries which not on the government's travel corridor list must still self-isolate for 10 days, regardless of their test result.
Mr Shapps told LBC the testing rule will come into force "likely on Wednesday or Thursday next week", and details of how to get tests abroad will be published on the gov.uk website.
Under the new rules - which are expected to come in from next week - anyone who arrives in the UK and has not got proof of a negative test could face an immediate £500 fine.
But there will be exemptions for:
· children under 11
· hauliers
· those travelling from countries without the infrastructure to deliver tests - although details of those have not been released yet
· arrivals from the CTA Common Travel Area with Ireland.
The rule will be UK-wide, although Northern Ireland said it had only "agreed in principle" and was working to solve any policy and operational issues.
Non-essential travel abroad is not currently allowed in the UK, after lockdowns were brought in.
Source: BBC News
For further information and updates see:
Mandatory COVID-19 testing introduced to bolster border measures - GOV.UK (www.gov.uk)
https://www.gov.uk/government/news/mandatory-covid-19-testing-introduced-to-bolster-border-measures
Virgin Media jacking up prices again – Richard Branson must need the cash to bail out his airline?
How I saved £200 with one phone call!
Are you claiming your self-employed coronavirus relief aid?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
It’s not the strongest and fittest, but the most adaptable and flexible that survive a crisis
5 Quick Tips To Help Your Business Survive in 2021:
-
If you haven’t done so already, get online and learn how to sell your goods and services to billions of people buying stuff on the internet every minute of every day.
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Stay open for business as much as legally possible when others close up.
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Increase your level of service instead of reducing it like most people do!
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Look for new opportunities which are always out there, especially in recessions.
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Check .gov website for any grants, support or relief available for your business.
-
Lastly, hang in there and don’t despair!
See also episode - 7 Steps to Transform Your Finances in 2021
Whatever New Year’s resolutions you make, set realistic, achievable goals and write them down!
Here are my 7 steps to transform your 2021:
-
Review your finances and start saving
-
Review your consumer debts and credit cards
-
Review you spending habits – Use the 3 R’s
-
Review your utility suppliers – energy and mobile phone
-
Review ISA and Pensions and use tax allowance
-
Review your Will and inheritance tax liability
-
Review Tax – have you submitted your tax return yet?
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
Happy New Year or Happy New Tier!
Every year, we change from one year to another, but last year it seemed that we were changing from one tier to another!
This is a time to reflect on how things have gone for us, especially since 2020 was the strangest year in our lifetime.
Of course, there have been losers, but there have been massive winners too.
People running or adapting to an online business models have seen their wealth grow, while many traditional retailers have collapsed.
The point is, it’s not the economy that matters is YOU and your U’Conomy
Brexit has happened and the UK is now out of the European Union, but not out of Europe....
Full articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
A have happy and successful 2021!
Which drug companies will benefit from Covid vaccine?
As the vaccine rollout starts, will the drug companies make huge profits and should you follow Warren Buffett by investing in big pharma shares?
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
· Tourist tax plan will wipe out jobs
· Wealth-tax planned on middle class
· Will stamp duty holiday be extended?
· Biggest economic decline in 300 years
· UK national debt now exceeds £2 Trillion
· Government borrowing will reach £394bn
· Average house prices reach an all time high
· Thousands trapped in unsellable leasehold flats
· Government extends ban on landlords evicting tenants
· Why UK Property prices rising after stamp duty cut, despite the downturn?
· New planning rules will open up more opportunities to make money in property
· You can create a second income during the lockdown…and come out stronger
· Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Luxury goods and hospitality sector urge Rishi Sunak to drop planned tourist tax
Harrods look dead just two weeks before Christmas
Brexit negotiations in deadlock as deadline looms
GDP slows prompting more recession fears
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
· Wealth-tax planned on middle class
· Will stamp duty holiday be extended?
· Biggest economic decline in 300 years
· UK national debt now exceeds £2 Trillion
· Government borrowing will reach £394bn
· Average house prices reach an all time high
· Thousands trapped in unsellable leasehold flats
· Government extends ban on landlords evicting tenants
· Why UK Property prices rising after stamp duty cut, despite the downturn?
· New planning rules will open up more opportunities to make money in property
· You can create a second income during the lockdown…and come out stronger
· Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UK government planning emergency wealth tax grab to pay for coronavirus pandemic
In case you’re wondering how we are going to pay back all of this money that the government have printed and borrowed this year, take a look in the mirror.
A one-off tax grab on wealth above £500,000 could recover much of the £280 billion the government has spent fighting coronavirus this year, according to a group of experts.
A commission was set up led by assistant Professor Arun Advani at Warwick University last April to look into a wealth tax in Britain.
Measures being considered include a 5% levy on:
· housing
· pensions
· business
· equity and
· savings wealth.
At £500,000, around 8 million Britons, or one and six adults, would be hit by the wealth tax......
Full articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
· Will stamp duty holiday be extended?
· Biggest economic decline in 300 years
· UK national debt now exceeds £2 Trillion
· Government borrowing will reach £394bn
· Average house prices reach an all time high
· Thousands trapped in unsellable leasehold flats
· Government extends ban on landlords evicting tenants
· Why UK Property prices rising after stamp duty cut, despite the downturn?
· New planning rules will open up more opportunities to make money in property
· You can create a second income during the lockdown…and come out stronger
· Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Should the government extend Stamp Duty holiday?
Pressure is mounting on the UK government Chancellor Rishi Sunak to extend the stamp duty holiday in order to avoid thousands of property purchases falling out of bed because they cannot meet the 31 March deadline.
· Experts warn thousands of property transactions will run out of time and collapse
· Thousands of Mortgages approved on the basis that no stamp duty is payable
· Tens of thousands will miss the 31 March stamp duty holiday deadline
· Borrowers could have to find up to £15,000 more to fund their purchase
· Lenders were may withdraw mortgage offers, causing thousands of transactions to collapse
· Not enough man power in the market to get these transactions through before 31 March 2021
· Mortgage processing delays, shortage of surveyors and solicitors available to complete legal work
· Bank of England figures published this morning reveal a spike mortgages approved in October
· Mortgages up 5.9% on previous month to 97,532 and 51% up on the same period last year.
· HMRC figures showed housing transactions hit 105,630 last month, up 9.8% on September 2020
· Mortgage lenders hiking rates amid the scramble taking advantage of borrowers’ panic
Anthony Codling of property analysis firm Twindig said: 'The average rate for a new 95 per cent....
Full articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Someone will make a fortune from the collapse of Debenhams and Arcadia…
The 2020 business buying opportunity webinar will reveal:
· The 10 strategies and tactics which have CHANGED as a result of lockdown
· Three compelling reasons why now is the right time to buy a business and why you just can’t miss out
· Why the number of businesses coming to market over the next twelve months will at least triple - and it’s not just because of Coronavirus
· How to, without insulting the seller, lower the price by at least 50%, with one simple sentence
· The real secret of finding businesses to buy – and it’s not cold calling or LinkedIn
· Why Business Brokers are now your friend – even though for years I’ve been saying that they are the enemy...
Your webinar host Jonathan Jay:
"During lockdown I completed the purchase of SIX business, without meeting anyone face to face and without leaving my home. And I have another three at exchange, about to complete.
But here’s the best part – because of the lockdown, the deal structure changed overnight and this combined £3m a year annual revenue became mine, WITHOUT any of my personal cash invested."
Join Jonathan on Wednesday, 2nd December to find out how to utilise his exact strategy.
Claim your spot now!
Click for more details - https://bit.ly/36dbTvS
What is the outlook for the UK property in the next 12 months?
Key points to consider:
· The UK government is pumping billions into the economy and…
· Asset prices usually inflate after a fiscal stimulus, as they did after 2008
· Property has been on a 12-year bull run and prices are at an all-time high
· Stamp Duty holiday, Furlough and tenant protection will end by March 21
· OBR report for government says property prices will fall by 8% next year
· Anti-landlord legislation and taxes could push investors into selling mode
· Interest rates are at an all-time low and are expected to remain low for years
· Government 5% deposit help scheme could boost first-time buyer purchases
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
The 2020 business buying opportunity webinar will reveal:
· The 10 strategies and tactics which have CHANGED as a result of lockdown
· Three compelling reasons why now is the right time to buy a business and why you just can’t miss out
· Why the number of businesses coming to market over the next twelve months will at least triple - and it’s not just because of Coronavirus
· How to, without insulting the seller, lower the price by at least 50%, with one simple sentence
· The real secret of finding businesses to buy – and it’s not cold calling or LinkedIn
· Why Business Brokers are now your friend – even though for years I’ve been saying that they are the enemy...
Your webinar host Jonathan Jay:
"During lockdown I completed the purchase of SIX business, without meeting anyone face to face and without leaving my home. And I have another three at exchange, about to complete.
But here’s the best part – because of the lockdown, the deal structure changed overnight and this combined £3m a year annual revenue became mine, WITHOUT any of my personal cash invested."
Join Jonathan on Wednesday, 2nd December to find out how to utilise his exact strategy.
Claim your spot now!
Click for more details - https://bit.ly/36dbTvS
Biggest economic decline since 1709, as cost of coronavirus crisis rises to unprecedented levels.
Headlines:
· Economic output falls 11.8% worst for 300 years
· Unemployment will rise to 7.5% or 2.6 million by Q2 2021
· Borrowing now at £394 billion, national debt £1 trillion
· Millions face work-based pensions cut
· Public sector worker pay freeze
· Overseas aid budget cut
· Council tax set to rise
· Markets still riding high despite downturn
· Britain’s largest estate agent in rescue plan
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
Register now for life changing BLACK FRIDAY exclusive business skills offers:
https://bit.ly/39fNPKQ
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Get exclusive, MASSIVE discount offers, plus receive instructions on what to do, & when. Register now to be the first one to know!
In times of disruption and lack of control, this is one way YOU can secure your financial future. This is ultimately the BEST time to start gaining new business skills, a new mindset or a new income stream.
Register now for life changing BLACK FRIDAY exclusive business skills offers:
https://bit.ly/39fNPKQ
The national debt reached £2.08 trillion by October 2020, up £276.3bn since the start of the financial year.
Monthly borrowing, required because the treasury is spending more than it earns in taxes due to the recession, reached over £40bn in April and close to that again in May of this year following the first lockdown. Borrowing is on target to exceed £300bn for the year since the start of the coronavirus crisis.
The UK economy bounced back in the third quarter, but will falter again due to the current second lockdown which is killing businesses and jobs. Two more high street clothing chains went into administration this week putting thousands more jobs at risk.
UK debt exceeds the size of the UK economy, with debt having reached 100.8% of the country's gross domestic product (GDP).
Debt levels of this magnitude have not been seen since the early 1960s while paying off the debts of World War Two.
Whilst the government always repays debt on due dates, it has to borrow new money - and take on more debt - to do so, like people do when living on credit cards or “robbing Peter to pay Paul”.
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
As most of the UK goes into the second lockdown this year, Chancellor Rishi Sunak has changed direction by extending the furlough scheme until the end of March and promising more generous help for self-employed people.
Barely a week ago the Chancellor announced £22 billion package of aid for businesses affected by Covid restrictions, but infection rates have continued to climb forcing the government to adopt a new approach.
Support through the Self-Employment Income Support Scheme (SEISS) will be increased, with the third grant covering November to January calculated at 80% of average trading profits, up to a maximum of £7,500.
However, millions of small business owners are slipping through the net and will not qualify for any help.
Stock markets went up and house prices have hit new highs following the bad news during the worst economic crisis since the second world war!
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
UK house prices went up again in October, at the fastest rate for five years, as buyers scrambled to beat next year's stamp duty deadline, the Nationwide Building Society reports.
Annual house price growth rose to 5.8% and the average price is now £227,826.
A similar survey by the Halifax show an even higher annual growth rate of 7.3%
For the next five months, buyers of properties valued at up to £500,000 in England and Northern Ireland will not have to pay stamp duty on the purchase. Second home buyers and buy-to-let investors will still have to stump up the 3% tax grab surcharge.
How long will the boom last?
Booms are usually followed by bust, something which has not escaped the attention of the Bank of England. Official figures released by the central bank this week revealed that home-buyer mortgage approval climbed to a 13-year high in September.
There are fears that the market is heading for a cliff-edge with potential buyers possibly pulling out of transactions in 2021 if they cannot meet the stamp duty deadline.
The BBC reports that NAEA Propertymark has called for action to avoid the cliff-edge by extending the deadline.
As the current furlough scheme comes to a close unemployment figures could rise rapidly leading to lower buyer demand and rising repossessions.
A second wave of Covid 19 is sweeping the country forcing regional lockdowns and restriction, which could stall economic recovery.
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
Chancellor announces £22 billion package of aid for businesses affected by new covid restrictions.
Rishi Sunak promised grants of up to £2,100 a month for ‘Tier 2’ companies that are not forced to close but are struggling to be commercially viable.
As many as 150,000 businesses could qualify for the payments, which could cost the Treasury £1.2billion.
The new Job Support Scheme replaces the furlough and will be extended to firms that are legally allowed to open.
It will be more generous allowing employers to pay just 5 per cent of staff wages, while the minimum threshold for hours worked will be reduced to one day.
If an estimated two million people enrol, it could cost the Treasury £6billion.
Mr Sunak also increased grants for self-employed workers to 40 per cent of the average profits, up to a maximum of £3,750 a month, which could cost about £3billion.
Government borrowing was revealed to be running at £1billion a day during the pandemic.
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
Emergency help for energy bills announced by Ofgem
The UK Energy regulator, Ofgem will introduce new rules from 15 December to help vulnerable customers struggling to pay their energy bills this winter.
Gas and electricity suppliers will be required to offer customers cannot top up prepayment meters emergency credit.
Where customers are in debt, suppliers must put them on "realistic and sustainable" repayment plans.
This comes as Ofgem are cutting the price cap on default tariffs and prepayment meters, due to falling gas wholesale prices, which means up to £95 lower energy bills for millions of people this winter.
More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com
· Centrica share price in decline
· Welsh Government lockdown
· UK state pension age rises to 66
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
Today in Parliament, Boris Johnson announced further lockdown measures and business closures in selected cities where infection rates have increased.
Liverpool and Nottingham are among the cities where businesses such as gaming will be forced to close.
Last week, Chancellor Rishi Sunak Employees announced that people working for UK firms forced to shut by law because of coronavirus restrictions will receive two-thirds of their wages paid for by the government.
The scheme starts on 1 November for six months and could cost hundreds of millions of pounds a month according to a Treasury source speaking to the BBC.
Full articles available at Money Tips Podcast - www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
UK state pension age rises to 66 and will eventually reach 68 or even 70
The state pension ‘Ponzi’ scheme becomes harder to fund as people live longer and the demographic ratio of working to retired people changes. There is no fund and the scheme relies on new entrants to pay out people in retirement.
The age at which the majority of UK retirees qualify for the state pension has now officially changed to 66 following rises in the qualifying age in the last few years.
For men and women born between...Full articles available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
You may have heard the saying, “rich as Croesus”. Meaning that you have to exceeding wealthy to be richer than the king of Lydia in Asia Minor in 560 BC. He is believed to be the first person to mint coins as “money” from gold, although I visited a ruin in Rome where the Italian guid said the Romans first minted coins and coined the phrase which became known as money. Why was Croesus fabulously wealthy? He formed and controlled his own currency which dominated the region.
Now others want to form their own currency and dominate the financial markets.
Is it a currency or just a speculative investment?
But are cryptocurrencies, such as bitcoin, the answer or are they, in the words of Warren Buffett, a “mirage”?
Buffet has called it wrong on previous technological revolutions, but you have to sit up and listen to one of the greatest investors and richest men in the world.
The leading and most well-known cryptocurrency is bitcoin. In the last five years, the price of a single digital bitcoin has risen from $263 to over $10,000.
It rose to $17,000 in 2017 and failed to just over $3000 a year later and doubled since March 2020, as soon investors sought a “safe” haven for their cash during the financial crisis.
What is Cryptocurrency?
Cryptocurrency is a digital assets design to become a medium of exchange where individual coin ownership records are stored on a ledger in the form of a computerised database records known as the blockchain.
The US dollar is the world reserve currency, which gives America a tremendous advantage because other countries need to change their currency into dollars to trade internationally.
China is launching its own digital currency based on its paper currency, the Yuan. Although not the same as a cryptocurrency, China would like to break America’s dominance in the financial markets and become the most widely used international currency.
How do you buy a Cryptocurrency such as a bitcoin?
The answer is you exchange your real money dollars or pounds for digital bitcoin stored in a “wallet”, which comes in various forms.
When you sell it, you get back your dollars or pounds.
Bitcoin is not a practical and real currency accepted by markets and governments. You cannot go to your supermarket and pay for your shopping in cryptocurrency. Digital currency is coming as the banks try to phase out money using “Covid 19” as an excuse.
Furthermore, if you accepted payment in bitcoin in December 2017 when the price of one coin was equivalent to $17,000, a year later that bitcoin would be worth $3000.
There are other contenders for the digital currency market, including Facebook with their libra currency.
Some form of digital currency will eventually replace paper money.
Money Tips Podcast - www.moneytipsdaily.com
Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
UK house prices soar by 5% in September as mortgage approvals hit 13-year high
UK house prices were up 5%, the highest growth rate in four years, in September year on year, according to the Nationwide Building Society’s lending data.
Mortgage lending also rose, reaching a 13-year high, as the property market experienced increased post-lockdown demand.
However, job loss fears and tighter mortgage lending criteria forced many young people to delay buying a property.
Activity has partly increased due to the temporary stamp duty holiday, which means no tax is paid on the first £500,000 of all property sales in England and Northern Ireland until the end of March.
However, some estate agents are saying that there is a “mixed bag” of demand, with some properties selling faster than others, for instance four-bed houses with space for a home office.
London based agents are reporting a “buyers’ market” with room for negotiation on properties for sale in the capital. Maybe the new ‘work from home’ pattern is encouraging young people to move out of city centres, where they have more space and can afford larger properties?
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
New Job Support Scheme unveiled by UK Chancellor to stop mass unemployment
Chancellor Rishi Sunak has announced the Jobs Support Scheme, replacing the job retention furlough scheme, giving people in work three quarters of their normal salaries for six months.
The UK government will be topping up wages of workers who have not been able to return to the workplace full time due to the coronavirus, instead of paying people to stay at home.
Sunak hopes the new £300 million a month package, starting on 1 November, will prevent mass job cuts when the furlough scheme ends next month on 31 October.
Around three million workers representing 12% of the UK workforce, are benefiting from partial or full furlough leave, according to figures.
The government wants to support the wages of people in work, giving viable “businesses who face depressed demand the option of keeping employees in a job on shorter hours, rather than making them redundant," Mr Sunak said.
He will "support only viable jobs" as opposed to jobs that only exist because the government is continuing to subsidise the wages, adding that he "cannot save every business and save every job."
Mr Sunak also offered businesses that have borrowed money through the government's loan scheme more time to repay the money.
The VAT cut for hospitality and tourism companies will be extended until March.
The chancellor announced that small businesses who took out "Bounce Back" loans can use the new “Pay as You Grow” flexible repayment system, which means repayments on borrowings can be spread over 10 years instead of the original six-year term.
The government rescue packages since March are the largest series of measures since the second world war, leaving the UK with a £300 billion deficit.
Meanwhile, the stock and property markets remain high and employers welcomed the new job scheme.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Following the tragic loss of a dear friend and business partner this week, I was reminded of just how precious and fleeting life can be. We all should make the best of our time on this earth.
She certainly packed more into her short life than most people would in three lifetimes.
Someone once said that there are two things certain in this life:
Death and taxes!
We’re all going to die one day, but unfortunately, taxes, and other financial liabilities, do you not die with you. The government still wants its share of your estate before it is passed on to your beneficiaries.
Even though you build up your savings and property from money on which you have already paid tax, the taxman still puts his hand out for a cut when you die so that the government can spend it. Each year, HMRC collect’s around £5 billion in inheritance tax (IHT) from ordinary families, as well as the rich. Politicians on the left would like to see this increase, as they do not believe children should inherit wealth.
You cannot change the system, but you can take steps to legally mitigate inheritance tax liabilities. See my article on the billionaire Duke of Westminster who legally avoids several billion pounds inheritance taxes. Even the staunch left-wing socialist MP Tony Benn used trusts to avoid inheritance tax on his substantial estate before he died.
You need to take advice on IHT planning, but three of the common methods used are:
1. Wills
2. Trusts
3. Life Assurance
Where there’s a will there’s a relative.
Full details and other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UK economy grew by 6.6% in July
The UK economy continued to recover in July, growing by 6.6%, according to figures. The economy has expanded three months in a row, but remains well below pre-lockdown levels.
The Office for National Statistics (ONS) revealed that the UK "has still only recovered just over half of the lost output caused by the coronavirus", the BBC reports.
Whilst this is good news, things are far from back to normal. Growth in July was slower than June, when the economy expanded by 8.7%.
The health of “UK PLC” is nowhere near pre-coronavirus levels and has partly bounced back due to pent up demand and growth in sectors such as hairdressers, pubs and restaurants which were allowed to reopen in July. Reopening of restaurants and pubs meant the accommodation and food services sector "rose by a whopping 140.8%" between June and July, according to Thomas Pugh, UK economist at Capital Economics.
Economic output measured by the value and the volume of goods and services it produces remains at 11.7% lower than it was in February, prior to lockdown restrictions which shut down the economy.
The alcohol industry which grew by 30%, but billions has been lost in the travel and tourism industry and many restaurants and pubs are struggling to survive with social distancing rules.
The government are imposing new social distances rules on gatherings after a spike in Covid cases, which is another blow to business.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
UK economy grew by 6.6% in July
The UK economy continued to recover in July, growing by 6.6%, according to figures. The economy has expanded three months in a row, but remains well below pre-lockdown levels.
The Office for National Statistics (ONS) revealed that the UK "has still only recovered just over half of the lost output caused by the coronavirus", the BBC reports.
Whilst this is good news, things are far from back to normal. Growth in July was slower than June, when the economy expanded by 8.7%.
The health of “UK PLC” is nowhere near pre-coronavirus levels and has partly bounced back due to pent up demand and growth in sectors such as hairdressers, pubs and restaurants which were allowed to reopen in July. Reopening of restaurants and pubs meant the accommodation and food services sector "rose by a whopping 140.8%" between June and July, according to Thomas Pugh, UK economist at Capital Economics.
Economic output measured by the value and the volume of goods and services it produces remains at 11.7% lower than it was in February, prior to lockdown restrictions which shut down the economy.
The alcohol industry which grew by 30%, but billions has been lost in the travel and tourism industry and many restaurants and pubs are struggling to survive with social distancing rules.
The government are imposing new social distances rules on gatherings after a spike in Covid cases, which is another blow to business.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Tesco drone delivery starting NOW threatening thousands of jobs
A Tesco drone delivery trial will start in Ireland dropping off smaller packages at customers' homes within 30 minutes of ordering.
Drones company, Manna, currently runs medicine delivery trials in Ireland.
The 50mph drones can deliver 4kg of shopping a mile away in three minutes.
Amazon made its first commercial drone delivery in the UK in 2016 in Cambridge to a customer within 13 minutes of the order being placed.
In April 2020, the government announced much larger unmanned aerial vehicles (UAVs) would deliver essential hospital supplies from the mainland to the Isle of Wight. Source: BBC
How many jobs could drones replace?
An MIT professor Daron Acemoglu co-authored a new study revealing that each robot added to the workforce has the effect of replacing 3.3 jobs in the U.S.
PWC report says robots could replace $127 billion of human capital and 50% of all jobs by 2030.
Delivery drivers, bus drivers, taxi drivers, bank tellers and cashiers, warehouse packers, lawyers, accountants, agricultural workers, prescription pharmacists, tele marketers and call centre workers, and analysts and more are all jobs which can be replaced by robots, drones and AI within the next few years.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Three reasons why the richest family in the UK have kept their wealth intact for 300 years
On 9 August 2016, 25-year-old Hugh Richard Louis Grosvenor became the billionaire 7th Duke of Westminster, when his father, Gerald Grosvenor, suddenly died of a heart attack aged 64.
The Duke and his family are estimated to be worth at least £10.1 billion (US$13 billion), according to the Sunday Times Rich List in May 2019. The exact amount of wealth is difficult to estimate, since most of it is held...
Full articles and text available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Could Wall Street tech stocks sell-offs and poor economic outlook indicate another market correction? Apple 6.7%. Amazon, Facebook and Microsoft dropped by 4%. Dow Jones Industrial Average closed 2.25% lower, S&P 500 fell 2.78% and Nasdaq dropped 2.95%.
The global economy is expected to shrink by roughly 5% this year, which is huge.
With Covid-19 showing signs of a return, further lockdowns could stall economic recovery.
Full articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Leasehold trap – major builders could face court action over rip-off leases on newbuild properties
The UK's largest housebuilders are being investigated by a watchdog after "troubling evidence" has emerged over the way leaseholds on newbuild housing estates have been sold to property buyers.
Major companies like Barratt Developments, Countryside Properties, Persimmon Homes and Taylor Wimpey are facing legal action from the Competition and Markets Authority (CMA), which could take the developers to court.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
As the recession deepens and the end of the furlough scheme looms, Ann Summers becomes the latest retailer to threaten landlords with CVA unless shop rents are renegotiated
Some landlords are “burying their heads in the sand”, says Ann Summers boss Jaqueline Gold.
Ann Summers is a hugely successful lingerie and sex toy chain, which has brought the industry from the backstreets into mainstream retailing in the high street. They famously selling millions of pounds worth of products through ‘party plan’ selling in customers houses.
Gold warned that unless landlords come to the table, they would ask to restructure its rent costs through a Company Voluntary Arrangement (CVA), which would wipe out much of its debt and liabilities such as lease agreements.
A CVA is a legally enforceable rescue deal that enables limited companies to close unprofitable parts of the business, such as low performing stores, reduce their rent on others without going into bankruptcy or liquidation which would wind up the business.
Jacqueline Gold said landlords needed to recognise things had changed.
"Ultimately no retailer can afford to run stores unprofitably, and with business rates set to return next spring, the challenge of property costs is going to become even more pressing than ever," she said.
Writing in Retail Week, Ms Gold said the threat of a CVA was "no idle threat".
Source: BBC
In my experience, commercial landlords can be ruthless especially to smaller tenants with no clout. I have seen many small business owners made bankrupt by landlords over unpaid rent on a binding lease agreement.
5 tips to avoid bankruptcy
-
Avoid signing long leases especially in your own name.
-
Avoid signing personal guarantees.
-
Limit your personal liabilities and debts.
-
Incorporate your business
-
Take out liability insurance
Individuals suffer most from debts and can lose everything including their home.
Jaqueline Gold or Richard Branson will not lose their home of one of their companies fails because they are not sole traders or in a partnership.
The above information should not be treated as personal financial advice, and you should always take advice from your own advisers, accountants and lawyers who know your personal circumstances.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
The Sunday Times reports that the UK government is planning to raise taxes, for instance Corporation and Capital Gains Tax, to pay for lockdown rescue packages.
End of the month and lost summer of lost tourist billions.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
· Tax increases plan to pay for furlough
· Zero interest credit card deals returning
· Will demand for HMO rooms rise or fall?
· EU staff offered chance to go home to work
· Capita to shut a third of offices permanently
· Is this the end of office work as we know it?
· Home workers one step closer to outsourced
· What will happen to all the city office blocks?
· Companies still have long leases on big offices
· Why live in expensive town centres anymore?
· Buy-to-let landlords ignore “NO DSS” tenant ban
· Restaurants extend ‘eat out to help out’ scheme
· Thousands trapped in unsellable leasehold flats
· 2m homeowners apply for mortgage payment holiday
· Government extends ban on landlords evicting tenants
· Unemployment to double 7.5% and economy slump 9.5%
· Self-employed, have you claimed your government grant?
· Lenders not passing on rate cuts and mortgage rates going up!
· UK property prices jumped by 3% since June following stamp duty cut
· Why UK Property prices rising after stamp duty cut, despite the downturn?
· New planning rules will open up more opportunities to make money in property
· You can create a second income during the lockdown…and come out stronger
· Learn how to make money from propertywithout deposits, mortgages or cash
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
“No DSS” tenant blanket ban ignored by buy-to-let landlords despite ‘unlawful’ ruling by Judge
The BBC has launched its own investigation into landlords who still advertise their properties to rent using the terms “No DSS” or “Working tenants only”. Last month, a District Judge has ruled that blanket bans on renting properties to people on housing benefit are unlawful and discriminatory.
The county court ruling found a single mother-of-two had experienced indirect discrimination when a letting agent refused to rent to her. She subsequently ended up homeless with her two children, when her case was taken on by housing charity Shelter.
The judge ruled "No DSS" rental bans are against equality laws.
Full article and more available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
City Centre “ghost towns” CBI warns, as major retailer New Look wants landlord to reduce rent to zero
The Confederation of British Industry (CBI) head, Dame Carolyn Fairbairn, said that Britain’s City centres could become "ghost towns" unless the Prime Minister Boris Johnson does more to encourage workers to go back to the office, the head of the CBI says.
New Look wants rents reduced to zero as part of CVA rescue package.
Top 50 UK employers have no plans to fully reopen offices. Major UK employers plan to keep staff working at home and have no immediate plans to bring them back to the offices, a BBC survey reveals.
What opportunities will there be for property investors?
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Major UK employers plan to keep staff working at home and have no immediate plans to bring them back to the offices, a BBC survey reveals.
Is this the end of the office as we know it?
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
· Is this the end of work as we know it?
· Is it really more efficient to work at home?
· What will happen to all the city office blocks?
· Companies still have long leases on big offices
· Why live in expensive town centres anymore?
· The ‘eat out to help out’ scheme ends Monday
· Thousands trapped in unsellable leasehold flats
· Number of homes repossessed falls to record low
· Mortgage possession claims fell by 97% to just 161
· 2m homeowners apply for mortgage payment holiday
· Government extends ban on landlords evicting tenants
· Unemployment to double 7.5% and economy slump 9.5%
· Self-employed, have you claimed your government grant?
· Lenders not passing on rate cuts and mortgage rates going up!
· UK property prices jumped by 3% since June following stamp duty cut
· Why UK Property prices rising after stamp duty cut, despite the downturn?
· New planning rules will open up more opportunities to make money in property
· You can create a second income during the lockdown…and come out stronger
· Learn how to make money from propertywithout deposits, mortgages or cash
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Flat owners told their homes could be unsellable for up to 10 years with unsafe cladding.
Following the Grenfell Tower fire disaster, hundreds of thousands of buildings were deemed to be unsafe due to the outside wall cladding.
In 2019, the Royal Institution of Chartered Surveyors (RICS) brought out the EWS 1 form as a way of grading the safety of tower blocks with cladding.
The grading certificate was intended for buildings over 18 metres tall with cladding, but this year Government regulations changed. Mortgage lenders now require the form for shorter buildings as well.
It is estimated that 300,000 buildings that might require an EWS1. However, there are only 300 inspectors able to carry out the in-depth surveys, creating a huge backlog.
RICS charge at least £40,000 per building for the EWS1, which seems extortionate. Another issue is that only the freeholder can apply and some have refused, even though the cost will be passed on to leaseholder, because the say it's not a legal requirement.
Peabody, a Housing Association based in London have written to residents telling them that they think it will be 10 years before they can get all of their buildings compliant.
Sebastian O'Kelly is the chief executive of Leasehold Knowledge charity - which supports leaseholders told LBC News that flats are “largely unsellable now, because mortgage lenders want to know that they are safe, and more sites can't demonstrate that they are safe.”
"So you've got 900,000 to one million people living in blocks of flats that are higher than 18 metres which are affected by the cladding crisis."
Even if the cladding has been removed, the flats are un-mortgageable without the EWS1.
Leaseholders have also been saddled with enormous bills running into tens of thousands of pounds to carry out work, as well as paying monthly costs to employ people to ‘watch’ the building.
Buying a leasehold property is fraught with difficulty and you should buy freehold property if you can.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Why home repossessions are at a record low
The number of houses being repossessed by banks plummeted to a record low in the second quarter of this year, according to Zoopla.
The Ministry of Justice (MoJ) said the “unprecedentedly low levels” of possessions were due to government measures introduced to help homeowners by forcing lenders to offer mortgage holidays during the coronavirus pandemic.
The were no homes repossessed in the three months from April until the end of June, according to the MOJ. The number of mortgage orders for possessions dropped by 96% to just 149. Mortgage possession claims fell by 97% to 161.
Landlord possession claims also fell by 89%.
The government introduced a number of measures to enable people to stay in their homes even if their incomes were hit by the Covid-19 pandemic after the UK first entered lockdown in March.
The Financial Conduct Authority (FCA) advised homeowners and landlords in difficulty to apply for a three-month mortgage payment holiday.
The government passed the Coronavirus Act, which put a temporary halt on all repossession activity, initially for three months, and later until 23 August this year. The government extended the ban on landlords evicting tenants on Friday, two days before it was due to end.
Landlords are unable to start eviction proceedings against tenants even if they are anti-social or in arrears their rent.
Figures reveal that two million homeowners and landlords applied for a mortgage payment holiday since the initiative was first launched.
Repossessions and tenant evictions will resume in large numbers once support measures come to an end, but there will be huge backlogs and long delays in enforcing court orders.
A tenant could probably get away without paying rent for another year before an eviction took place.
If your mortgage payment holiday is coming to an end and are worried about paying your mortgage you should talk to your lender and avoid burying your head in the sand. Open those letters!
In theory, lenders can voluntarily offer repayment holidays for a limited period and could accept reduced repayments or switch you over to an interest-only mortgage, which would substantially cut your monthly payments.
You could ask your lender to extend your mortgage term, which can make your monthly repayments smaller, although the total amount repaid over the term would increase.
Low interest rates have prevented hundreds of thousands of mortgage borrowers from losing their homes since the last financial crisis. In the previous four recessions, interest rates shot up to record levels and repossessions and bankruptcies went through the roof.
The trade body, UK Finance, has urged homeowners to resume full mortgage payments if they can afford to do so, and you don’t really want mortgage arrears on appearing your credit file.
Despite all the measures, homelessness has not been eliminated by a long shot. I was in central London last night and I was shocked to see the number of people sleeping rough in doorways and on the streets. I have seen this before, but not on this scale.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
The UK government extended the ban on landlords evicting tenants in England and Wales today until 20 September in a dramatic last-minute U-turn hours before the ban was due to end, following fears that up to 243,000 could lose their homes.
In most cases, renters will also get six months' notice if their landlord plans to evict them until the end of March.
The block on tenant evictions during the coronavirus pandemic was due to end on Sunday and courts were due to resume section 21 and section 8 eviction cases on Monday after a five-month pause...
Full story and more articles available at Money Tips Podcast - www.moneytipsdaily.com
1. Another travel firm goes bust
2. Croatia latest country on covid hit list
3. Apple is first US company to hit $2 trillion
4. Third of UK employers plan further job cuts
5. UK economy shrinks by 20% April to June 2020
6. Unemployment to double 7.5% and economy slump 9.5%
7. Self-employed, have you claimed your government grant?
8. Lenders not passing on rate cuts and mortgage rates going up!
9. UK property prices jumped by 3% since June following stamp duty cut
10. Why UK Property prices rising after stamp duty cut, despite the downturn?
11. New planning rules will open up more opportunities to make money in property
12. You can create a second income during the lockdown…and come out stronger
13. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UBI or a universal basic income has been talked about by governments and think tanks for years. Now Germany has started an experiment to see if UBI can replace some of the income from the millions of jobs – both blue and white collar - expected to be lost to robots, machines and AI.
Switzerland and Finland have previously run UBI pilot schemes.
Driverless vehicles alone will wipe out tens of millions of jobs and AI is replacing white collar jobs in banking and investment, law and accountancy.
Over 28 million people, or almost one fifth of the American workforce, were collecting some form of unemployment payment in the week ended 1 August, the BBC reports.
Full articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Apple now worth $2 Trillion – which businesses are booming during coronavirus crisis?
Apple becomes the most valuable US company ever as it hits $2 trillion milestone after it shares rose 60% this year.
Elon Musk becomes the fourth richest person in the world after his stock holdings gained $8 billion in one day as Tesla's share price rise 11% to an all-time high – the share price has soared by 330% this year. He is now worth $84 billion despite owning a until recently loss-making company, which is apparently worth more than Toyota, Ford and General Motors, while selling a fraction of the number of cars!
I have lived through at least four major recessions – early 1980’s, late 80’s to early 90’s, 2008 great recession and the current 2020 one which could be the daddy of them all. Unfortunately, there will always be winners and losers in recessions which naturally culls poor performing businesses by natural selection.
Some businesses are booming during the coronavirus pandemic and recession, while other go under for good.
Here are some examples...
Full articles available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Self Employed – have you claimed a grant through the Self-Employment Income Support Scheme?
This scheme allowed the self-employed trader to claim a first taxable grant, which closed on 13 July 2020.
The second and final taxable grant is worth 70% of your average monthly trading profits, and will be paid out in a single instalment covering 3 months’ worth of profits - capped at £6,570 in total.
If you're self-employed or a member of a partnership and have been adversely affected by coronavirus (COVID-19) use this scheme if you're eligible to claim the grant.
Claims for the first grant are now closed, but the scheme is now open. If you’re eligible and your business has been adversely affected on or after 14 July 2020, you need to make your claim for the second grant on or before 19 October 2020.
Who can claim?
Full article and more available at Money Tips Podcast - www.moneytipsdaily.com
Hong Kong BNO passport holders snap up UK properties
There is anecdotal evidence that Hong Kong buyers are investing in British property ahead of eventually settling in the UK.
Following recent changes to the law, as many as three million Hong Kong residents could be offered the chance to settle in the UK and apply for citizenship, Boris Johnson announced last month.
The British Prime Minister said Hong Kong's freedoms were being violated by a new security law and has handed a lifeline to those affected in the form of a "route" out of the former UK colony and in to UK citizenship.
There are around 350,000 UK passport holders, and 2.6 million others eligible, will be able to come to the UK for five years.
And after a further year, they will be able to apply for citizenship.
British National Overseas (BNO) Passport holders in Hong Kong were granted special status in the 1980s but currently have restricted rights and are only entitled to visa-free access to the UK for six months.
BNO passports were granted to all Hong Kong citizens born before the Chinese handover in 1997. Whilst the second-class passports allowed the holder some protection from the UK foreign service, they did not give the right to live or work in Britain.
But under new government's plans, all British Overseas Nationals and their dependants will be given right to remain in the UK, including the right to work and study, for five years. After five years, they will be able to apply for settled status or Indefinite Leave to Remain. After a further year, they could apply for full UK citizenship.
Other countries, such as Australia and Canada, are wooing wealthy HK residents with offers of permanent residence. It is rare to the red carpet being rolled out for refugees, but these are not penniless migrants.
HK residents are highly educated, entrepreneurial and enjoy some of the highest standards of living in the world. What they lack is the rights and freedom we enjoy in the west.
There is a shortage of housing stock in England and the Chancellor’s stamp duty holiday has helped fuel a mini-boom. Despite coronavirus and mass unemployment, prices are actually rising in many parts of the country.
One potential drawback for the UK is Brexit, which may affect some migrant’s decision to settle here. However, if only 10% of the three million eligible HK residents choose to live in Britain that will mean 300,000 property buyers and renters looking for a place to live in the UK.
It remains to be seen whether or not today’s citizens will choose to settle and invest in the UK when other countries, such as Cyprus offer a guaranteed route to citizenship in the European Union.
The Cypriot immigration policy and legal framework now enable Non-EU applicants to obtain Cypriot citizenship on an expedited basis – fast.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
If you would like to know more about the Cyprus golden visa programme visit: http://eugoldenvisaprogramme.com
Last minute UK quarantine rules forces thousands to cut short holidays in Europe
The UK government has changed the quarantine rules for holidaymakers returning from France and the Netherlands.
What does this all mean for your travel rights?
Increased outbreaks of coronavirus have meant abandoning or changing holiday plans at the last minute, for thousands of travellers.
France, the Netherlands Monaco, Malta and the Caribbean nations of Aruba and Turks and Caicos have been added to the growing UK's quarantine list, with also added.
The announcement yesterday of a 14-day isolation requirement takes effect from 04:00 BST on Saturday 15 August.
To add to this year’s holiday misery, anyone travelling to France from the UK will be forced to quarantine for 14 days upon arrival there, the French Embassy has confirmed.
Tens of thousands of people returning holidaymakers from Spain and Belgium were subject to the quarantine rules.
Stock markets around the world fell today on the news of increased covid 19 infection and absence of further financial stimulus in America and Congress closed for the summer break.
The UK is officially in the worst recession in decades with the economy shrinking by an unprecedented 20% April to June. Whilst some sectors of the job market showing signs of recovery, this latest news with not help a severely weakened economy.
The numbers of unemployment benefits claimants rose sharply from just over 1 million to 2.7 million in the first six months of this year.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
As the UK officially goes into the worst recession in decades - economy shrinks by 20% April to June – some sectors of the job market are recovering.
The numbers of unemployment benefits claimants rose sharply from just over 1 million to 2.7 million in the first six months of this year.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Economic output measured by GDP was negative for two quarters, which means the UK is officially in recession.
The Covid 19 driven recession has hit the UK harder than any of the major economies apart from Spain.
UK Chancellor Rishi Sunak says recession, the first since 2009, is “unprecedented”.
The number of people in work in the UK fell by 220,000 in the last quarter
Due to the coronavirus lockdown, the number of people recorded as ‘in work’ fell by 220,000 on the quarter, according to the Office for National Statistics.
The numbers of unemployment benefits claimants rose sharply from just over 1 million to 2.7 million in the first six months of this year.
More bad news for UK jobs is on the way with one in three UK employers planning further redundancies, which are up fivefold on last year.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. UK economy shrinks by 20% April to June 2020
2. UK is officially in recession after successive GDP falls
3. One in three UK employers plan more redundancies
4. Redundancies soar fivefold despite furlough scheme
5. Unemployment to double 7.5% and economy slump 9.5%
6. Half as many jobs are being advertised compared to 2019
7. Base rate held at 0.1%, interest rates to stay low for 5 years
8. Lenders not passing on rate cuts and mortgage rates going up!
9. The end of furlough sees millions more unemployed this autumn
10. UK house prices reached a new all-time high in July as buyers return
11. UK property prices jumped by 3% since June following stamp duty cut
12. Why UK Property prices rising after stamp duty cut, despite the downturn?
13. New planning rules will open up more opportunities to make money in property
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Despite billions spent on the job retention ‘furlough’ scheme, UK employment dropped by the largest amount in over a decade between April and June, ONS figures show.
Due to the coronavirus lockdown, the number of people recorded as ‘in work’ fell by 220,000 on the quarter, according to the Office for National Statistics.
Before the lockdown, the UK had recorded the highest number of people in work and looked forward to a strong recovery following ten years of post-2008 recession austerity.
The numbers of unemployment benefits claimants rose sharply from just over 1 million to 2.7 million in the first six months of this year.
More bad news for UK jobs is on the way with one in three UK employers planning further redundancies, which are up fivefold on last year.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Would you like to get into property but don’t have much cash?
Some friends of mine are running a special ‘no money down property’ training event to teach you how to buy property using OPM – OTHER PEOPLE’S MONEY….
9th - 12th August
NO MONEY DOWN 4 DAY EVENT
19:00 - 21:00 PM
4 Day No Money Down Event - Webinar description:
4 Evenings. 4 Strategies. Endless Opportunities. The current turbulence we are going through is affecting almost everyone, especially when it comes to finances and job security, perhaps that's you too?
But what if there was a way to secure your future income, sack the boss and escape the 9-5?
How is this possible?
We have bought together 4 expert trainers in property and business investing for 4 evening web classes to show you all the opportunities that are within your reach...
Right now, we understand that risks aren't something that everyone wants to do, so, instead we will be showing you that you do not have to put your life saving into something to make it a success!
These strategies can provide a ‘win win’ for both parties and give everyone peace of mind, whilst building up your bank balance and your business reputation.
Join here - https://bit.ly/3gwDvi9
More bad news for UK jobs. Redundancies are already up fivefold, one third of employers plan further job cuts and thousands have lost their job during the lockdown.
UK house prices reached a new all-time high in July as the property market reopened, following months of coronavirus lockdown.
The latest Halifax House Price Index showed the average price of a home was £241,604 last month, 1.7% higher than June's £237,834. Overall average house prices are 3.8% higher than July 2019.
The UK Chancellor Rishi Sunak recently introduced a temporary suspension of stamp duty on property sales up to £500,000 in England and Northern Ireland, which agents say have stimulated the market.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Would you like to get into property but don’t have much cash?
Some friends of mine are running a special ‘no money down property’ training event to teach you how to buy property using OPM – OTHER PEOPLE’S MONEY….
9th - 12th August
NO MONEY DOWN 4 DAY EVENT
19:00 - 21:00 PM
4 Day No Money Down Event - Webinar description:
4 Evenings. 4 Strategies. Endless Opportunities. The current turbulence we are going through is affecting almost everyone, especially when it comes to finances and job security, perhaps that's you too?
But what if there was a way to secure your future income, sack the boss and escape the 9-5?
How is this possible?
We have bought together 4 expert trainers in property and business investing for 4 evening web classes to show you all the opportunities that are within your reach...
Right now, we understand that risks aren't something that everyone wants to do, so, instead we will be showing you that you do not have to put your life saving into something to make it a success!
These strategies can provide a ‘win win’ for both parties and give everyone peace of mind, whilst building up your bank balance and your business reputation.
Join here - https://bit.ly/3gwDvi9
House prices hit all time high after mini boom and stamp duty holiday
UK house prices reached a new all-time high in July as the property market reopened, following months of coronavirus lockdown.
The latest Halifax House Price Index showed the average price of a home was £241,604 last month, 1.7% higher than June's £237,834.
Overall average house prices are 3.8% higher than July 2019.
Russell Galley, the Halifax managing director, said “pent-up demand and a lack of available houses had combined to push up prices”.
The UK Chancellor Rishi Sunak recently introduced a temporary suspension of stamp duty on property sales up to £500,000 in England and Northern Ireland, which agents say have stimulated the market.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Would you like to get into property but don’t have much cash?
Some friends of mine are running a special ‘no money down property’ training event to teach you how to buy property using OPM – OTHER PEOPLE’S MONEY….
9th - 12th August
NO MONEY DOWN 4 DAY EVENT
19:00 - 21:00 PM
4 Day No Money Down Event - Webinar description:
4 Evenings. 4 Strategies. Endless Opportunities. The current turbulence we are going through is affecting almost everyone, especially when it comes to finances and job security, perhaps that's you too?
But what if there was a way to secure your future income, sack the boss and escape the 9-5?
How is this possible?
We have bought together 4 expert trainers in property and business investing for 4 evening web classes to show you all the opportunities that are within your reach...
Right now, we understand that risks aren't something that everyone wants to do, so, instead we will be showing you that you do not have to put your life saving into something to make it a success!
These strategies can provide a ‘win win’ for both parties and give everyone peace of mind, whilst building up your bank balance and your business reputation.
Join here - https://bit.ly/3gwDvi9
Bank of England More Upbeat Forecasts on Economic Recovery
The UK central bank had revised forecast, but predicts that recovery will take longer than previously expected.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. Governor of Bank of England more upbeat in his forecasts
2. Unemployment to double 7.5% and economy slump 9.5%
3. Base rates held at 0.1% and will keep rates low for 5 years
4. Lenders not passing on rate cuts, mortgage rates going up!
5. Half as many jobs are being advertised compared to last year
6. Will end of furlough see millions more unemployed this autumn?
7. UK property prices jumped by 3% since June following stamp duty cut
8. Why UK Property prices rising after stamp duty cut, despite the downturn?
9. New planning rules will open up more opportunities to make money in property
10. You can create a second income during the lockdown…and come out stronger
11. Learn how to make money from property without deposits, mortgages or cash
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Would you like to get into property but don’t have much cash?
Some friends of mine are running a special ‘no money down property’ training event to teach you how to buy property using OPM – OTHER PEOPLE’S MONEY….
9th - 12th August
NO MONEY DOWN 4 DAY EVENT
19:00 - 21:00 PM
4 Day No Money Down Event - Webinar description:
4 Evenings. 4 Strategies. Endless Opportunities. The current turbulence we are going through is affecting almost everyone, especially when it comes to finances and job security, perhaps that's you too?
These strategies can provide a ‘win win’ for both parties and give everyone peace of mind, whilst building up your bank balance and your business reputation.
Join here - https://bit.ly/3gwDvi9
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. Investors seek save haven pushing Gold past $2000 barrier
2. Virgin Atlantic files for bankruptcy and is running out of cash
3. Pizza Express to close 67 branches in a £1 billion CVA rescue
4. Major employers ignore government ‘back to work’ advisory
5. HSBC to shed 35,000 and sets aside £13 billion to cover bad loans
6. London theatreland in darkness as 5,000 related jobs are lost
7. Half as many jobs are being advertised compared to last year
- Eat out to help out launches in bid to boost restaurant trade
9. UK property prices jumped by 3% since June after stamp duty cut
10. Will end of furlough see millions more unemployed this autumn?
11. Unemployment could reach 10% and recession last until 2024
12. Staycations boom as UK hotels fill up, always check your travel insurance
13. Why UK Property prices rising after stamp duty cut, despite the downturn?
14. New planning rules will open up more opportunities to make money in property
15. You don’t need your own money to create a second income in property
16. You can create a second income during the lockdown…and come out stronger
17. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
The popular chain said it plans to launch a company voluntary arrangement (CVA) in the “near future” in a bid to push down its rents and clear some of its £1 billion of debt.
The restructuring arrangement will save the company from bankruptcy but could see the closure of 15% of 449 restaurants and the loss of 1100 jobs. A spokesperson said the final outcome of the restructuring has “yet to be decided”.
Landlords take hit
Pension funds and companies like Legal and General will be hit directly (affecting pension policyholders) and indirectly through their shareholdings in companies like Land Securities.
Many landlords will have no choice but to bite the bullet and accept a lower rent or sit on an empty property.
We have already seen one large retail landlord go into administration and I’m sure many more will follow.
I’m hearing similar stories in other countries which either have no safety net (or even temporary furlough schemes, which are coming to an end, e.g. in America).
I would expect to see more tenants unable to pay their rents and borrower unable to keep up payments on their mortgage. This will lead to millions of bank repossessions, as well as years of untold misery and poverty.
Banks have already set aside billions for expected bad debts. HSBC, which announced 35,000 job cuts, has set aside £13 billion for bad debt.
In this pandemic-driven recession. very few people hold a ‘get out of jail card’.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Economic restart stalls as Coronavirus spikes and lockdown measures shut down 1000’s of businesses
The hot weather seems to have little effect on Coronavirus, despite scientist’s predictions, and businesses have to put reopening plans on hold.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. Manchester declares a state of ‘major incident’ after Covid rise
2. Major employers ignore government ‘back to work’ advisory
3. HSBC to shed 35,000 jobs after 63% drop in profits and bad loans
4. London theatreland in darkness as 5,000 related jobs are lost
5. Half as many jobs are being advertised compared to last year
- Eat out to help out launches in bid to boost restaurant trade
7. UK property prices jumped by 3% since June after stamp duty cut
8. Will end of furlough see millions more unemployed this autumn?
9. Unemployment could reach 10% and recession last until 2024
10. Staycations boom as UK hotels fill up, always check your travel insurance
11. Why UK Property prices rising after stamp duty cut, despite the downturn?
12. New planning rules will open up more opportunities to make money in property
13. You don’t need your own money to create a second income in property
14. You can create a second income during the lockdown…and come out stronger
15. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UK house prices bounce back in July from June fall, says Nationwide
House prices rose by 1.7% during the month compared to a 1.5% fall in June, according to the lender Nationwide Building Society.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. UK property prices jumped by 3% since June after stamp duty cut
2. How to find your ‘goldmine’ property area right where you are
3. Unemployment could reach 10% and recession last until 2024
4. NS&I paying 1%pa no minimum or early withdrawal penalties
5. Help to Save best deal of all with 50% bonus if you qualify on low income
6. Lifetime ISA 25% bonus, invest up to £4,000 for first-time-buyers aged 18-39
7. Payday lenders or ‘instant short-term loan providers charge up to 91% APR
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
How to find your ‘goldmine’ property area
Investors look for deals hundreds of miles away when there are plenty of opportunities on their doorstep.
Know your area – every area has its sweet spot!
Decide on your strategy:
· Are you going down the buy to let route?
· Do you want to be a landlord?
· Are you good at managing property and could you build a rent to rent business?
· Do you want to develop properties or by, refurbish and refinance?
· Do you want to get into commercial conversions?
· Are you cash rich and time poor what time rich and cash poor?
You’ve heard the expression, “location, location, location” I say:
“View, view, view”!
Get out there, talk to agents, get online and start viewing.
One of the most successful property people I know is disabled and in a wheelchair. Even before the internet, he did his research “viewings” from home before venturing out. He could not afford to waste any time.
Training and CPD
Know what you’re doing and never stop learning.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak
2. UK Property prices rise after stamp duty cut, despite rising unemployment
3. British Chambers of Commerce said 28% of employers may cut jobs in next 3 months
4. UK Mortgages becoming more difficult to obtain and more expensive
5. New planning rules will open up more opportunities to make money in property
6. Opportunity is everywhere for everyone, especially in property! But you have ACT!
7. You don’t need your own money to create a second income in property
8. Time to your economy or Uconomy started whatever the economy is doing!
9. You can create a second income during the lockdown…and come out stronger
10. Learn how to make money from property without deposits, mortgages or cash
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. Camden Town looking quiet, like the calm before the storm
2. Unemployment could reach 10% and recession last until 2024
3. NS&I pay 1% no minimum or early withdrawal penalties
4. Help to Save best deal of all with 50% bonus if you qualify on low income
5. Lifetime ISA 25% bonus, invest up to £4,000 for first-time-buyers aged 18-39
6. Payday lenders or ‘instant short-term loan providers charge up to 91% APR
7. High street banks are charging as much as 40% just for an overdraught facility
8. Credit card companies still charging extortionate 16-20% despite low base rate
9. New Home Insulation Grants – Work must be quality checked say consumer groups
10. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak
11. UK Property prices rise after stamp duty cut, despite rising unemployment
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
See full article and more at Money Tips Podcast - www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. New rules start today on face coverings in UK shops and other establishments
2. New Home Insulation Grants – Work must be quality checked say consumer groups
3. Check your holiday destination Coronavirus update and insurance cover
4. UK Passport processing backlog reaches 400,000 due to Coronavirus delays
5. UK unemployment rate could hit 15 per cent with second Covid wave, says OECD
6. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak
7. UK Property prices rise after stamp duty cut, despite rising unemployment
8. British Chambers of Commerce said 28% of employers may cut jobs in next 3 months
9. UK Mortgages becoming more difficult to obtain and more expensive
10. Government planning CGT ‘tax grab’ on buy-to-let property investors
11. Nationwide now lending 90% for first time buyers reversing previous change
12. New planning rules will open up more opportunities to make money in property
13. Opportunity is everywhere for everyone, especially in property! But you have ACT!
14. Even the 'Secret law of attraction' requires you to get off your ass and TAKE ACTION!
15. You don’t need your own money to create a second income in property
16. Time to your economy or Uconomy started whatever the economy is doing!
17. You can create a second income during the lockdown…and come out stronger
18. Learn how to make money from property without deposits, mortgages or cash
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Weekly Money Tips News Round Up - UK Property prices rise after stamp duty cut
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. New rules start today on face coverings in UK shops and other establishments
2. New Home Insulation Grants – Work must be quality checked say consumer groups
3. Check your holiday destination Coronavirus update and insurance cover
4. UK Passport processing backlog reaches 400,000 due to Coronavirus delays
5. UK unemployment rate could hit 15 per cent with second Covid wave, says OECD
6. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak
7. UK Property prices rise after stamp duty cut, despite rising unemployment
8. British Chambers of Commerce said 28% of employers may cut jobs in next 3 months
9. UK Mortgages becoming more difficult to obtain and more expensive
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Learn How to Buy Refurbish and Refinance Property Getting Most or All of Your Money Out While Retaining a Cash Flowing Asset
Free Webinar 26 July 7pm
Anne Houlton will train your referrals how to buy properties at an unmissable discount time and time again, add value to any project taken on and she will train them how to refinance to get as much money out of your property as possible and start again.
This strategy is timeless. Anne will be revealing how to quickly build and maintain a successful property portfolio!
Join here – or copy and paste this link to your browser - https://bit.ly/3jC3qqN
UK Property prices rise after stamp duty cut, despite rising unemployment. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak, according to the property website Rightmove.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
1. UK unemployment rate could hit 15 per cent with second Covid wave, says OECD
2. British Chambers of Commerce said 28% of employers may cut jobs in next 3 months
3. UK Mortgages becoming more difficult to obtain with and more expensive
4. Government planning CGT ‘tax grab’ on buy-to-let property investors
5. Nationwide now lending 90% for first time buyers reversing previous change
6. Stamp Duty slashed until 31 March 2021 by raising the threshold to 500,000
7. New planning rules will open up more opportunities to make money in property
8. Opportunity is everywhere for everyone, especially in property! But you have ACT!
9. Even the 'Secret law of attraction' requires you to get off your ass and TAKE ACTION!
10. You don’t need your own money to create a second income in property
11. Time to your economy or Uconomy started whatever the economy is doing!
12. You can create a second income during the lockdown…and come out stronger
13. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Does your business interruption insurance cover Coronavirus claims?
Coronavirus Update
Thousands of business interruption claims refused by insurers who say they ‘don’t cover that kind of interruption’…
In a landmark case, UK financial regulators are taking insurers to the High Court in an attempt to settle claims for businesses which had no choice but to close down during the pandemic.
The eight-day trial started this week, with the Financial Conduct Authority (FCA) taking Europe’s largest insurers to court to establish whether they should pay out pandemic-related claims. Companies include Hiscox, RSA Insurance Group Plc, Zurich Insurance Group AG and five other companies will represent the industry at the....see full article.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Warren Buffett is one of the most successful investors of all time and one of the richest men in the world with a net worth of $79 billion, most of which he intends giving away to good causes.
He leads a relatively simple life in Omaha, Nebraska and has lived in the same house since 1958.
Multi-billionaire Warren Buffett is a ‘value investor’ who invests in companies for long term though Berkshire Hathaway, which has given shareholders a remarkable average annual return 20% since 1965.
A single share in Berkshire now costs over $280,000.
He looks to buy companies at a price which gives him a ‘margin of safety’. In other words, he only buys at below-market value and pays no regard to the sticker price quoted on the stock market.
“Price is what you pay. Value is what you get.”
Warren Buffett
Can you apply this investment philosophy to property?
Of course you can!
All property investors want to buy property at below market value. However, very few take the time and trouble to keep researching the market in order to find that special deal.
“Never invest in a business you cannot understand.”
Warren Buffett
Warren always does his homework and knows his business inside out. He has spent years learning to become a great investor and studied under the likes of Ben Graham, the father of value investing who made a fortune during America’s great depression.
Finding the right property, in the right area at the right price gives an investor an excellent prospect of good long-term earnings - massive upside with very little downside.
“Buy a stock the way you would buy a house. Understand and like it such that you’d be content to own it in the absence of any market.”
Warren Buffett
“Rule No. 1: Never lose money. Rule No. 2: Never forget rule No.1”
This might sound strange for someone investing in a volatile ad sometimes risky stock market, but not if you apply his philosophy of buying companies with a margin of safety in the price and a strong moat.
Warren Buffett has come up with many brilliant quotes. Perhaps one of his most famous is:
“We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.”
Applying Buffett’s investment philosophy in the stock market or property investment will ensure you make money and build wealth for the longer term without risking the farm on every deal.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See full story and more articles at www.moneytipsdaily.com
UK Property prices rise after stamp duty cut, say Rightmove
The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak, according to the property website Rightmove.
The number of sales agreed in England soared by 35% in the five days following Rishi Sunak's announcement on July 8, Rightmove said.
The property market was showing signs of recovery, from a low in April, with agreed sales in England up 15% in June.
Sunak raised the threshold for paying the stamp duty tax on property purchases up to £500,000 until March 31, 2020.
Rightmove added that asking prices rose by 3.7% between June and July, with Estate Agents reporting increased interest and a shortage of property for sale.
However, mortgage lenders Nationwide and Halifax reported falls in house prices and mortgage approvals which slumped to the lowest on record in May, according to Bank of England data.
Is it still worth investing in buy-to-let property?
Investment in buy-to-let properties can still be profitable when done professionally. However, there are still many other opportunities to make money in property without the need for buy-to-let mortgages, large deposits or high rates of tax.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Mortgage shortage coming as lenders start to tighten their belts, due to Coronavirus
Mortgage loans will be squeezed as lenders reduce number of products
Mortgage lenders will start to slash the availability of competitive mortgage products, loans and other credit during the coming weeks despite consumer demand.
Banks have informed the Bank of England that the supply of credit will fall this summer due to coronavirus pressures.
This will be a blow to the UK economy, the housing market house buyers who need to borrow.
The credit ‘crunch’ could mirror the position a decade ago after the financial crisis of 2008, although this recession has not been caused by a banking crisis.
The financial downturn led to a withdrawal of loans and mortgage products for first-time buyers and buy-to-let investors.
There is only one 2-year fixed-rate mortgage deal for borrowers with a 5% deposit, compared with 137 before the coronavirus crisis, according to Moneyfacts.
For those with larger deposits, there is more choice, but the rates and fees have gone up, despite record low interest rates.
Is it still worth investing in buy-to-let property?
Investment in buy-to-let properties can still be profitable when done professionally. However, there are still many other opportunities to make money in property without the need for buy-to-let mortgages, large deposits or high rates of tax.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
E-Commerce Cashflow
19th July, 2020
7:00 PM (UK)
Learn how to...
Build a profitable e-commerce business in less than 90 days.
Replace your income in months.
Help get the products to people that they need the most.
Be able to spend more time doing what you love, with the people you love.
Join the free training here: https://bit.ly/3gLXaKW
The UK Treasury has launched a “review” of the capital gains tax system to "ensure the system is fit for purpose", the BBC reports.
Some experts are warning of "a tax grab" in the autumn to pay towards the multi-billion-pound cost of Coronavirus measures, such as the furlough scheme.
The Chancellor, Rishi, Sunak asked the Office of Tax Simplification to investigate how capital gains are taxed for both individuals and smaller businesses.
"This review should identify opportunities relating to administrative and technical issues as well as areas where the present rules can distort behaviour or do not meet their policy intent," the chancellor said.
"I would be interested in any proposals from the OTS on the regime of allowances, exemptions, reliefs and the treatment of losses within CGT, and the interactions of how gains are taxed compared to other types of income." Source: BBC.
CGT is a tax on profits, which hits business owners, as well as millions of share and property investors.
Investment in buy-to-let properties can still be profitable when done professionally. However, there are still many other opportunities to make money in property without the need for buy-to-let mortgages, large deposits or high rates of tax.
Other articles available at Money Tips Podcast - www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
E-Commerce Cashflow
19th July, 2020
7:00 PM (UK)
Learn how to...
Build a profitable e-commerce business in less than 90 days.
Replace your income in months.
Help get the products to people that they need the most.
Be able to spend more time doing what you love, with the people you love.
Join the free training here: https://bit.ly/3gLXaKW
“No DSS” tenant blanket ban by buy-to-let landlords ruled ‘unlawful’ by Judge
Is it still worth investing in buy-to-let property?
A District Judge has ruled that blanket bans on renting properties to people on housing benefit are unlawful and discriminatory.
The "momentous" court ruling found a single mother-of-two had experienced indirect discrimination when a letting agent refused to rent to her.
She ended up homeless with her two children, when her case was taken on by housing charity Shelter.
The judge ruled "No DSS" rental bans are against equality laws.
Investment in buy-to-let properties can still be profitable when done professionally. However, there are still many other opportunities to make money in property without the need for buy-to-let mortgages, large deposits or high rates of tax.
Full article available at Money Tips Podcast - www.moneytipsdaily.com
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
E-Commerce Cashflow
19th July, 2020
7:00 PM (UK)
Learn how to...
Build a profitable e-commerce business in less than 90 days.
Replace your income in months.
Help get the products to people that they need the most.
Be able to spend more time doing what you love, with the people you love.
Join the free training here: https://bit.ly/3gLXaKW
UK economy grew by 1.8% in May, slower than expected, as government bans Huawei
Earlier contractions during the lockdown means the UK economy is now 24.5% smaller than it was in February, the ONS reports.
Despite the government easing of lockdown restrictions, many shops are reporting a 75% fall in foot flow.
The US economy is stalling as many states go back into lockdown including California.
Under a new Bill, UK's mobile providers will be banned from buying new Huawei 5G equipment after 31 December, and they must also remove all the Chinese firm's 5G kit from their networks by 2027.
See more at Money Tips Podcast website.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
E-Commerce Cashflow
19th July, 2020
7:00 PM (UK)
Learn how to...
Build a profitable e-commerce business in less than 90 days.
Replace your income in months.
Help get the products to people that they need the most.
Be able to spend more time doing what you love, with the people you love.
Join the free training here: https://bit.ly/3gLXaKW
British MPs are urging the government to intervene and help 170,000 "prisoners" who are trapped it mortgages with high interest rates.
Many of the borrowers are lower paid frontline workers, like nurses and hospital workers, who have no choice but to pay up to double the interest they would be charged on a normal competitive mortgage.
They cannot re-mortgage to a cheaper deal offered by other lenders due to stricter affordability rules brought in by the Bank of England after they borrowed the money.
MPs are now calling on the government to order regulators to investigate the profits firms make from the borrowers.
They want the Competition and Markets Authority (CMA) and the Financial Conduct Authority (FCA) to consult and introduce a cap on so-called “standard variable rates”, which will help all borrowers coming out of fixed or discount rate mortgage deals.
Hundreds of thousands of borrowers are unable switch mortgages because their loan is too high against the value of their home or because they are now too old to re-mortgage. This leaves them at the mercy of their lender which can legally charge whatever rate they like.
The FCA reformed the affordability rules last October to allow lenders to help mortgage prisoners with cheaper home loans, but no lenders have changed their criteria.
Borrowers with bankrupt lenders, such as the Northern Rock, are prisoners to the new owners who are neither offering competitive products or looking after their borrowers.
Some borrowers have been paying between 6% and 9%pa after coming off initial fixed rates several years ago.
Self-employed have only days left to apply for government grant phase 1.
If you’re eligible and your business has been adversely affected you must make your claim for the first grant on or before 13 July 2020.
This scheme is being extended. If you’re eligible for the second and final grant, and your business has been adversely affected on or after 14 July 2020 you’ll be able to make a claim from 17 August 2020. You can make a claim for the second grant if you’re eligible, even if you did not make a claim for the first grant. Find out more about the extension to the scheme.
Apply here: https://www.gov.uk/guidance/claim-a-grant-through-the-coronavirus-covid-19-self-employment-income-support-scheme#extension
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
E-Commerce Cashflow
19th July, 2020
7:00 PM (UK)
Learn how to...
Build a profitable e-commerce business in less than 90 days.
Replace your income in months.
Help get the products to people that they need the most.
Be able to spend more time doing what you love, with the people you love.
Join the free training here: https://bit.ly/3gLXaKW
UK economy opening up with help of £300 billion government financial stimulus – Money Tips Weekly News Roundup
The UK government will this year inject an unprecedented £300 billion of financial aid into the economy in order to stave off the worst recession in 300 years.
Rishi Sunak’s moves to retain as many jobs as possible have not been supported by large retailers, such as John Lewis and Boots Chemists, which have announced plans to lay off 5000 workers, despite the £1,000 per worker job retention bonus.
The £1000 job retention bonus is not enough to persuade a company to keep someone on for six months and will only be claimed by employers which are probably going to take people back off furlough anyway.
HK crisis deepens as UK offer BOP passport holders refuge from China’s grip.
Self-employed have only days left to apply for government grant phase 1.
If you’re eligible and your business has been adversely affected you must make your claim for the first grant on or before 13 July 2020.
This scheme is being extended. If you’re eligible for the second and final grant, and your business has been adversely affected on or after 14 July 2020 you’ll be able to make a claim from 17 August 2020. You can make a claim for the second grant if you’re eligible, even if you did not make a claim for the first grant. Find out more about the extension to the scheme.
Apply here: https://www.gov.uk/guidance/claim-a-grant-through-the-coronavirus-covid-19-self-employment-income-support-scheme#extension
In this Money Tips Podcastepisode:
1. Travellers arriving in the UK from dozens of countries no longer need to self-isolate
2. Rules relaxed for arrivals from more than 70 countries and British overseas territories
3. Beauty salons and “open air gyms” allowed to reopen with more reopening to follow
4. Eat out to help out meal deal scheme launches in August to help hospitality sector
5. Stamp Duty slashed until 31 March 2021 by raising the threshold to 500,000
6. Chancellor Rishi Sunak keen to boost the property market and “build build build”
7. New planning rules will open up more opportunities to make money in property
8. Opportunity is everywhere for everyone, especially in property! But you have ACT!
9. Even the 'Secret law of attraction' requires you to get off your ass and TAKE ACTION!
10. Homeowners will get vouchers of up to £5,000 for energy-saving improvements
11. The poorest will receive up to £10,000 in £2 billion energy saving grant scheme
12. Will your job be one of millions phased out by automation, innovation and AI?
13. You don’t need your own money to create a second income in property
14. Time to your economy or Uconomy started whatever the economy is doing!
15. You can create a second income during the lockdown…and come out stronger
16. Learn how to make money from property without deposits, mortgages or cash
Opportunity is everywhere for everyone, especially in property! But you have to get off your arse!
Even the 'Secret law of attraction' requires you to TAKE ACTION!
Rishi Sunak Announces Stamp Duty Holiday And Measures To Kick Start UK Economy and Property Market.
His moves to retain as many jobs as possible have not been supported by large retailers, such as John Lewis and Boots Chemists, which have announced plans to lay off 5000 workers, despite the £1,000 per worker job retention bonus.
Unfortunately, a £1000 job retention bonus is not enough to persuade a company to keep someone on for six months and will only be claimed by employers which are probably going to take people back off furlough anyway.
What’s your view?
Homeowners to get £5000 each in £2 billion government giveaway to insulate houses and create 100,000 green jobs.
The UK Chancellor Rishi Sunak has announced a £2bn grant scheme in England for projects such as insulation as part of a wider £3bn plan to cut emissions and create 100,000 jobs.
Stamp Duty is immediately cut until 31 March 2021 by raising the threshold to 500,000 to boost the property market.
Self employed have only days left to apply for government grant phase 1.
In this Money Tips Podcastepisode:
1. Homeowners will get vouchers of up to £5,000 for energy-saving improvements
2. The poorest will receive up to £10,000 for energy-saving home improvements
3. New planning rules will open up more opportunities to make money in property
4. Will your job be one of millions phased out by automation, innovation and AI?
5. You don’t need your own money to create a second income in property
6. Time to your economy or Uconomy started whatever the economy is doing!
7. You can create a second income during the lockdown…and come out stronger
8. Learn how to make money from propertywithout deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Stamp Duty, an Obscene Tax on Savers and Workers Who Buy Their Own Home
Rishi Sunak Announces Stamp Duty Holiday And Job Creation Measures To Kick Start UK Economy
Homeowners to get £5000 each in £2 billion government giveaway to insulate houses and create 100,000 green jobs…
The UK Chancellor Rishi Sunak today announced a £2bn grant scheme in England for projects such as insulation as part of a wider £3bn plan to cut emissions and create 100,000 jobs…
Stamp Duty to be cut for six months by raising the threshold to £500,000 to boost the property market.
In this Money Tips Podcastepisode:
1. Homeowners will get vouchers of up to £5,000 for energy-saving improvements
2. The poorest will receive up to £10,000 for energy-saving home improvements
3. New planning rules will open up more opportunities to make money in property
4. Will your job be one of millions phased out by automation, innovation and AI?
5. You don’t need your own money to create a second income in property
6. Time to your economy or Uconomy started whatever the economy is doing!
7. You can create a second income during the lockdown…and come out stronger
8. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Learn How To Buy, Refurbish, Refinance Properties For Profit Thursday 9th July @ 7:30 PM
Register for the free webinar now - https://bit.ly/3gB8HMQ
Homeowners to get £5000 each from the government to insulate their house
The UK Chancellor Rishi Sunak is expected to announce a £2bn grant scheme in England for projects such as insulation as part of a wider £3bn plan to cut emissions and create 100,000 jobs.
Stamp Duty could be cut by raising the threshold to 500,000 to boost the property market.
In this Money Tips Podcastepisode:
1. Homeowners will get vouchers of up to £5,000 for energy-saving improvements
2. The poorest will receive up to £10,000 for energy-saving home improvements
3. New planning rules will open up more opportunities to make money in property
4. Will your job be one of millions phased out by automation, innovation and AI?
5. You don’t need your own money to create a second income in property
6. Time to your economy or Uconomy started whatever the economy is doing!
7. You can create a second income during the lockdown…and come out stronger
8. Learn how to make money from property without deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Learn How To Buy, Refurbish, Refinance Properties For Profit Thursday 9th July @ 7:30 PM
Learn how to buy at an unmissable discount time and time again. If you want to make money we want to start by saving money.
Learn how to add value to any project you take on, by seeing the potential and knowing how to expand on this and make something great is a skill for life.
Learn how to refinance to get as much money out as possible and start again!
Register for the free webinar now - https://bit.ly/3gB8HMQ
https://progressiveproperty.online/progressive-property-brr/amb1927
Quick Money Tip - Check Your Travel Insurance Before You Book Your Holiday
In this Money Tips Podcastepisode:
1. Holidaymakers given some relief on quarantine measures
2. Air corridors: USA, Sweden, Portugal and Philippines not on list
3. Will you get a refund if you have to cancel due to quarantine restrictions?
4. Thousands of travellers still awaiting refunds from Ryanair and budget airlines
5. Does your policy cover Coronavirus Covid-19 infection caught whilst on holiday?
6. Watch out for children’s gaming apps which could cost you thousands
7. Payment holiday schemes for mortgages have been extended to car loans
8. Some businessesallowed to reopen in England on Independence Day!
9. UK hit by worst economic contraction in 40 years, new figures reveal
10. The Rock Dwayne Johnson Tops Instagram Rich List At $1 million Per Post
11. New planning rules will open up more opportunities to make money in property
12. Will your job be one of millions phased out by automation, innovation and AI?
13. You don’t need your own money to create a second income in property
14. Time to your economy or Uconomy started whatever the economy is doing!
15. You can create a second income during the lockdown…and come out stronger
16. Learn how to make money from propertywithout deposits, mortgages or cash
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Do you need help to MAXIMISE your business in the next 90 days?
Business Support Mastermind Wednesday 8th July @ 7:00 PM
- How to Absolutely maximise the next 90 days & take the (hidden) opportunities.
- How to market your way through the lockdown to THRIVE instead of survive.
- How to pivot your business first & fast to seize the new world order & opportunity.
- The BEST business cashflow opportunities in the current climate, & beyond
- Our brand-new “accelerated immersion” model to grow in a downturn.
Join free Business Mastermind webinar - https://bit.ly/2ACftTm
Lockdown restrictions eased and relief for travel industry air corridors
As pubs and restaurants prepare to reopen tomorrow, ‘air corridors’ announced by Prime Minister Boris Johnson.
In this Money Tips Podcastepisode:
1. Holidaymakers given some relief on quarantine measures
2. Air corridors: USA, Sweden, Portugal and Philippines not on list
3. Some businesses allowed to reopen in England on Independence Day!
4. UK hit by worst economic contraction in 40 years, new figures reveal
5. The Rock Dwayne Johnson Tops Instagram Rich List At $1 million Per Post
6. How Can YOU Make Money Online Without Millions Of Media Followers?
7. Will your job be one of millions phased out by automation, innovation and AI?
8. You don’t need your own money to create a second income in property
9. Time to your economy or Uconomy started whatever the economy is doing!
10. You can create a second income during the lockdown…and come out stronger
11. Learn how to make money from propertywithout deposits, mortgages or cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
The Rock Tops Instagram Rich List At $1 million Per Post, But How Can YOU Make Money Online Without Millions Of Followers?
The 10 celebrities who command the most money per Instagram post
-
Dwayne 'The Rock' Johnson, 187m followers - just over $1m per post
-
Kylie Jenner, 182m followers - $986,000 per post
-
Footballer Cristiano Ronaldo, 225m followers - $889,000 per post
-
Socialite Kim Kardashian, 176m followers - $858,000 per post
-
Pop star Ariana Grande, 191m followers - $853,000 per post
-
Actress and singer Selena Gomez, 180m followers - $848,000 per post
-
Pop star Beyoncé Knowles, 149m followers - $770,000 per post
-
Pop star Justin Bieber, 139m followers - $747,000 per post
-
Pop star Taylor Swift, 135m followers - $722,000 per post
-
Footballer Neymar da Silva Santos Junior, 139m followers - $704,000 per post
Source: Hopper HQ
So, what does this mean to you?
We can’t all be superstars with millions of social media followers, but that doesn’t mean you cannot make money online. Real money is being made every single day on social media. How much time do you spend each day on your smart phone and social media?
Small business advertisers make up most of Facebook’s ad revenue, which is why it will not be hurt by a few multinational companies, such as Diageo, pulling their advertising.
Amazon has enabled millions of small traders to sell online and compete with much larger concerns.
Online sales have gone through the roof and some of biggest companies in the world by stock market value are tech-based companies, the so-called FAANG stocks, started in the last few decades.
What are FAANG Stocks?
The FAANG stocks are a group of technology stocks that have a combined market cap of nearly four trillion dollars. The companies that make up the FAANG stocks are: Facebook, Amazon, Apple, Netflix and Google/Alphabet.
Tesla has overtaken Toyota as the most valuable car company in the world.
Tech companies, such as those quoted on the Nasdaq exchange, have boomed during the lockdown – prompting many conspiracy theories – and have led a stock market v-shaped recovery that flies in the face of economic reality.
Many fear that the overvalued market is due for another much deeper correction as the Coronavirus continue to spread and millions lose their jobs.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Boris announces sweeping planning reform to boost building industry, as house prices fall year-to-year for first time since 2012
Annual house price growth fell slightly 0.1% to June 2020 for first time since 2012, the Nationwide reports. More recent surveys indicate a larger fall in April, a 1.4% drop since May and a recovery in some areas in June. The ONS halted reporting due to the low volumes of transactions.
Prime Minister announced “project speed” to reform planning laws to streamline the planning permission process and remove local authority restrictions to projects.
Some of changes that could be brought in as early as September, include:
· Allowing more commercial buildings to be change to residential use without planning applications
· Reducing the normal planning process for builders applying for permission to demolish and rebuild vacant residential and commercial buildings as homes
· Allowing homeowners to build up into the space above their properties "via a fast track approval process"
How to Teach Your Children and Grandchildren About Money
More and more adults are falling into financial difficulty, through bad credit, loans, mortgages etc in fact the #1 fear for most adults is running out of money.
I was a financial adviser for 25 years and saw how attitudes towards money and poor financial management habits could pass through several generations of a family. We live in the most prosperous time in recorded history, yet there are families living in wealthy UK where three generations have never worked, saved or lifted themselves out of poverty.
The solution? The next generation need to get EDUCATION - to get MONEY SMART - to avoid the situation many adults are finding or will find themselves in.
With the right education the child or teen in your life is capable of achieving amazing things.
The renowned social media speaker Paul O’Mahony is running a free training session to teach you the secrets to getting 7 to 17-year olds to become financially smart, securing their financial future and banishing away the worries that many adults have.
Whether you’re a parent, a grandparent, an aunt or uncle, or even a big brother or big sister, we want to help your child or teen gain mastery over a subject matter that terrifies most adults.
From a very simple SAVING SYSTEM that any child/teen can get their head around (setting them up with a savings habit that will serve them their whole life) to teaching them to not just think about getting a job but to create REAL wealth, this web class is something truly unique.
Paul will be sharing with you the tips, tricks and quick hacks to financial success that still not taught in Schools.
And don’t worry, we will be showing you how you can pass this knowledge on in a fun way!
Put simply with the right guidance the child or teen in your life can become a true money genius.
Click here to join the free webinar tonight - https://bit.ly/2YOBLKY
UK hit by worst economic contraction in 40 years, new figures reveal
The UK economy shrank by 2.2% between January and March, the joint largest fall since 1979, figures reveal.
The Office for National Statistics (ONS) revised down its previous estimate of a 2% contraction, with all the main economic sectors dropping.
The first-quarter contraction is now the joint biggest drop since the July-to-September period in 1979.
The new data showed that GDP contracted by 6.9% in March and by 20.4% in April.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Will Boris Johnson's recently announced spending spree kick start the UK economy, or will much of the money be wasted on vanity projects instead of building up our manufacturing base?
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Weekly Money Tips News Round Up – Retail landlord giant goes bust
In this Money Tips Podcastepisode:
1. INTU retail shopping mall landlord giant enters into administration
2. UK house prices rise to pre-lockdown levels despite corona economic crisis
3. Nationwide mortgage lender limits loan-to-value to 85% for first time buyers
4. Lockdown restrictions eased this week but many businesses remain closed
5. Lockdown restrictions destroying the UK economy while more firms go bust
6. Federal Reserve bans US bank share buybacks and caps dividends payments
7. Will your job be one of millions phased out by automation, innovation and AI?
8. You don’t need your own money to create a second income in property
9. Time to your economy or Uconomy started whatever the economy is doing!
10. You can create a second income during the lockdown…and come out stronger
11. Learn how to make money from propertywithout deposits, mortgages or cash
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Buyer demand across the UK is 46% higher than it was in early March, when demand for housing fell by 70%.
Where is the highest growth taking place?
Over the longer term, propertyalways bounces back from recessions, depressions and even wars. One reason is the simple economics of supply and demand.
The UK is small country with a growing population, as well as being the 7th largest economy in the world.
If you are interesting in becoming a property investor, join a host of expert speakers including, Mark Homer and Kevin McDonnell, at this special virtual Property Week Seminar online event.
At Property Week Our Experts Will Reveal...
1) The post pandemic landscape of property and investment
2) How to make your money stretch as far as possible to build a portfolio
3) How you can not only keep your money, but earn more, to support your family in these tough times
4) The fastest way to get cash into your property business at the moment
5) Discover How To Unlock Your Property Portfolio’s potential
6) Learn how to fund large commercial deals and how to build a Commercial Power Team
Click to join the webinar - https://bit.ly/31jtpMS
Why are house prices rising in the UK?
When unemployment is soaring and 11 million people are on job furlough, why is demand for property rising again and why are prices climbing back to pre-lockdown levels in certain areas of the UK?
Against all the odds with the economy tanking, demand for UK property is up!
According to the online property platform, Zoopla, the number of agreed home sales is up 4% compared to pre-lockdown levels in early March.
House prices rose by 2.4% in May.
Buyer demand across the UK is 46% higher than it was in early March, when demand for housing fell by 70%.
Where is the highest growth taking place?
Over the longer term, property always bounces back from recessions, depressions and even wars. One reason is the simple economics of supply and demand.
The UK is small country with a growing population, as well as being the 7th largest economy in the world.
If you are interesting in becoming a property investor, join a host of expert speakers including, Mark Homer and Kevin McDonnell, at this special virtual Property Week Seminar online event.
At Property Week Our Experts Will Reveal...
1) The post pandemic landscape of property and investment
2) How to make your money stretch as far as possible to build a portfolio
3) How you can not only keep your money, but earn more, to support your family in these tough times
4) The fastest way to get cash into your property business at the moment
5) Discover How To Unlock Your Property Portfolio’s potential
6) Learn how to fund large commercial deals and how to build a Commercial Power Team
Click to join the webinar 7pm tonight - https://bit.ly/31jtpMS
How to F@ck up the economy!!!
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UK lockdown restrictions and 2m rule eased as pubs and restaurants allowed to open from 4 July
Businesses allowed to open from 4 July
The venues which will be allowed reopen include....
Can you buy a multi-million-pound business for £1?
Listen for a list of 5 major companies which were sold for £1, including the Millennium Dome, now called the O2 Arena
Can you buy a business that can be worth £90m for £3.4m, while helping 800 people?
On the 22nd May a deal was announced that the owner of Giraffe and Ed's Diner paid £3.4m for Carluccio's, which was previously bought by the current owner for £90m only two years ago. This acquisition will save the restaurant chain and 800 jobs.
Global debt is soaring to levels way higher than all recent time crises. This means many businesses will not be able to sustain their operations and need to be rescued by new owners who can help them pivot.
The smart buyers can snatch up great opportunities and build substantial wealth, just like this deal has for the owners of Giraffe.
So, are you actively looking into buying businesses? I certainly am. If you’re not, what is stopping you? Money?
Did you know that companies change hands all the time without the buyer using their own cash?
One person who has made a fortune buying and selling businesses using little or none of her own money is Bingbing Chang.
Bingbing is hosting a brand new webclass on June 23rd at 7pm. You can be one of the FIRST to learn the skill and strategies many of the most successful businesses are really brought with.
She will teach you the step by step process used to secure high-quality businesses for little or even none of your own money, all for those who join Bingbing on the night:
Join Our Low/No Money Down Business Buying Webclass There are lots of opportunities out there for acquisitions and there will be even more coming when the world opens up and reality kicks in. For those who know how to find and acquire good deals, this is an opportunity to grow our businesses exponentially quickly.
There is no need to wait, now is the perfect time to act.
When you join Bingbing and me on the night you will learn how you could:
- Equip yourself with the knowledge and skills to buy businesses
- Build relationship with brokers
- Identify potential targets and start posting soliciting letters and emails
- Start raising funds or speak with potential lenders
Which will all put you leagues ahead of the competitionwho are worrying and not moving.
There will be a lot more competition when the institutional buyers are back in action. Right now, it’s a level playing field - there is an opportunity right now you have never had before, if you have an entrepreneurial mindset then you need to act now.
The uncertain outlook means businesses are willing to accept a realistic offer and are willing to negotiate, instead of after the lockdown when things are looking up and which may make the buyer more demanding.
Join Our Low/No Money Down Business Buying Webclass
JOIN HERE NOW: https://bit.ly/3efAoKj
The average millionaire is not a celebrity or sports star, they are…
The profile of the average ‘millionaire next door’ may surprise you.
According to research carried out for the bestselling book, ‘Secrets of the Millionaire Next Door’, by Thomas J. Stanley and William D. Danko, the average millionaire is unlikely to be your favourite sports personality or celebrity. They probably don’t drive the most expensive car or eat in pricey fine dining restaurants.
Full notes at: www.moneytipsdaily.com
Can you buy a business that can be worth £90m for £3.4m, while helping 800 people?
On the 22nd May a deal was announced that the owner of Giraffe and Ed's Diner paid £3.4m for Carluccio's, which was previously bought by the current owner for £90m only two years ago. This acquisition will save the restaurant chain and 800 jobs.
Global debt is soaring to levels way higher than all recent time crises. This means many businesses will not be able to sustain their operations and need to be rescued by new owners who can help them pivot.
The smart buyers can snatch up great opportunities and build substantial wealth, just like this deal has for the owners of Giraffe.
So, are you actively looking into buying businesses? I certainly am. If you’re not, what is stopping you? Money?
Did you know that companies change hands all the time without the buyer using their own cash?
One person who has made a fortune buying and selling businesses using little or none of her own money is Bingbing Chang.
Bingbing is hosting a brand new webclass on June 23rd at 7pm. You can be one of the FIRST to learn the skill and strategies many of the most successful businesses are really brought with.
She will teach you the step by step process used to secure high-quality businesses for little or even none of your own money, all for those who join Bingbing on the night:
Join Our Low/No Money Down Business Buying Webclass There are lots of opportunities out there for acquisitions and there will be even more coming when the world opens up and reality kicks in. For those who know how to find and acquire good deals, this is an opportunity to grow our businesses exponentially quickly.
There is no need to wait, now is the perfect time to act.
When you join Bingbing and me on the night you will learn how you could:
- Equip yourself with the knowledge and skills to buy businesses
- Build relationship with brokers
- Identify potential targets and start posting soliciting letters and emails
- Start raising funds or speak with potential lenders
Which will all put you leagues ahead of the competitionwho are worrying and not moving.
There will be a lot more competition when the institutional buyers are back in action. Right now, it’s a level playing field - there is an opportunity right now you have never had before, if you have an entrepreneurial mindset then you need to act now.
The uncertain outlook means businesses are willing to accept a realistic offer and are willing to negotiate, instead of after the lockdown when things are looking up and which may make the buyer more demanding.
Join Our Low/No Money Down Business Buying Webclass
JOIN HERE NOW: https://bit.ly/3efAoKj
Weekly Money Tips News Round Up - UK Debt Exceeds Size Of Economy For First Time In 50 Years
In this Money Tips Podcast episode:
1. National debt exceeds size of UK Economy for first time in 50 years
2. Bank of England to inject an extra £100 billion into the UK economy
3. UK economy shrinks by 20% in April – biggest monthly drop in history
4. Non-essential shops reopen as economic figures set to improve in June
5. Nationwide cuts lending in fear of negative equity in a falling market
6. Bigger deposits required from borrowers to cover future price drops
7. Maximum LTV Loan to Value cut from 95% - 85% for First Time Buyers
8. Brokers report tightening mortgage lending as banks become cautious
9. Numbers claiming work-related or unemployment benefits up 126% to 2.8 million
10. Economists warn of higher unemployment figures when furlough scheme ends
11. UK House prices suffer biggest fall in 11 years as lockdown kills the economy
12. Stock markets still rise as billions pumped into economy every week in America
13. Will your job be one of millions phased out by automation, innovation and AI?
14. You don’t need your own money to create a second income in property
15. Time to your economy or Uconomy started whatever the economy is doing!
16. You can create a second income during the lockdown…and come out stronger
17. Learn how to make money from propertywithout deposits, mortgages and cash
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Would you like to learn how to buy a business using none of your own money?
It can take years to start and build a new business from scratch, as I have done many times. But I have also seen people buy an existing business using no money down strategies and make a fortune with a fraction of the effort I put in!
You can be one of the first to learn the skill and strategies many of the most successful businesses are brought with. Expert, Bingbing Chan will teach you the step by step process that she uses to secure millions of pounds worth of high-quality businesses for little or no upfront cost.
Bingbing's webinar, Business Buying Secrets, will take place on the 23rd June @ 7:00 PM.
Business Buying Secrets, 23rd June @ 7:00 PM –
JOIN HERE: https://bit.ly/3efAoKj
The Bank of England to pump extra £100bn into the UK economy to help fight coronavirus-lockdown recession
What would you do with £1 million?
What would you do with £1 billion or one thousand times a million? How about £100 billion?
The Bank's Monetary Policy Committee (MPC) voted to pump £100 billion into the system days after governor Andrew Bailey said policymakers were ready to take action after the economy suffered its biggest monthly fall -20.4% - on record in April.
The UK central bank also voted to keep interest rates at a record low of 0.1% after official jobs data showed the number of workers on UK payrolls plummeted by 600,000 between March and May.
However, recent indicators of economic activity suggest the economy is starting to bounce back.
The MPC's June policy meeting minutes stated: "Payments data are consistent with a recovery in consumer spending in May and June, and housing activity has started to pick up recently."
What is quantitative easing (QE) and how will it help us?,,,see full article
Would you like to learn how to buy a business using none of your own money?
It can take years to start and build a new business from scratch, as I have done many times. But I have also seen people buy an existing business using no money down strategies and make a fortune with a fraction of the effort I put in!
You can be one of the first to learn the skill and strategies many of the most successful businesses are brought with. Expert, Bingbing Chan will teach you the step by step process that she uses to secure millions of pounds worth of high-quality businesses for little or no upfront cost.
Bingbing's webinar, Business Buying Secrets, will take place on the 23rd June @ 7:00 PM.
Business Buying Secrets, 23rd June @ 7:00 PM
JOIN HERE: https://bit.ly/3efAoKj By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Mortgage lender limits loans size due to fears of falling Coronavirus housing market
In this Money Tips Podcast episode:
1. Nationwide cuts lending in fear of negative equity in a falling market
2. Bigger deposits required from borrowers to cover future price drops
3. Maximum LTV Loan to Value cut from 95% - 85% for First Time Buyers
4. Brokers report tightening mortgage lending as banks become cautious
5. Numbers claiming work-related or unemployment benefits up 126% to 2.8 million
6. Economists warn of higher unemployment figures when furlough scheme ends
7. UK economy shrinks by 20% in April – biggest monthly drop in history
8. UK House prices suffer biggest fall in 11 years as lockdown kills the economy
9. Will your job be one of millions phased out by automation, innovation and AI?
10. You don’t need your own money to create a second income in property
11. Time to your economy or Uconomy started whatever the economy is doing!
12. You can create a second income during the lockdown…and come out stronger
13. Learn how to make money from property without deposits, mortgages and cash
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Should we shop to save the economy or look after our own economy by saving money or paying down credit card debt?
UK Prime Minister Boris Johnson said we should be out “shopping” again to get the economy moving after he shout it down for three months.
But with unemployment reaching record levels and tens of thousands of people losing their jobs every day, should you be saving our cash and taking care of your own economy or Uconomy?
The BBC reports that the non-political think tank, the Institute of Employment Studies (IES), said the number of people claiming work related benefits had climbed 1.6 million since March - a rate faster than during the Great Depression of 1929.
In this Money Tips Podcast episode:
1. Boris advises us to go out and shop, but I’m holding on to my cash
2. Pay down your debts before splashing out on non-essential goods
3. Numbers claiming work-related or unemployment benefits up 126% to 2.8 million
4. Economists warn of higher unemployment figures when furlough scheme ends
5. UK economy shrinks by 20% in April – biggest monthly drop in history
6. Non-essential shops now open but pubs and restaurants remain closed
7. UK House prices suffer biggest fall in 11 years as lockdown kills the economy
8. Will your job be one of millions phased out by automation, innovation and AI?
9. You don’t need your own money to create a second income in property
10. Time to your economy or Uconomy started whatever the economy is doing!
11. You can create a second income during the lockdown…and come out stronger
12. Learn how to make money from property without deposits, mortgages and cash
13. Learn from experts - free Rent to Rent Training Register here - https://bit.ly/2MRLGbL
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
UK economy nosedives 20% in April as shops reopen today
Shops reopen today with queues at Primark
Sales and bargains should give economy a much needed boost
High Street shops have been losing £18 billion per week in sales during lockdown
UK suffers unemployment spike as GDP drops 20% in April
Stock markets fall as Beijing and America see virus spike
Masks compulsory on public transport but not widely used
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Property
You’d like to get into property but you have no money, poor credit rating, no experience, I’m not sure where to buy or what type of property is best.
You’re also nervous about property prices falling during the coronavirus lockdown recession.
If any of the above applies to you, and this is the strategy for you.
Free Rent-to-Rent Training Tuesday 16 June 7.30PM
JOIN HERE: https://bit.ly/2MRLGbL
PLEASE SHARE THIS POST
Weekly Money Tips News Round Up As UK Economy Shrinks by 20% in April Lockdown
In this Money Tips Podcast episode:
1. UK economy shrinks by 20% in April – biggest monthly drop in history
2. Non-essential shops will open 15 June subject to social distancing rules
3. BA takes government to court over Quarantine plan which started 8 June
4. Government pressing ahead with quarantine plan risking 1000’s of jobs
5. UK House prices suffer biggest fall in 11 years as lockdown kills the economy
6. Stock markets nervous on more bad news and economic outlook for America
7. Will your job be one of millions phased out by automation, innovation and AI?
8. You don’t need your own money to create a second income in property
9. Time to your economy or Uconomy started whatever the economy is doing!
10. You can create a second income during the lockdown…and come out stronger
11. Learn how to make money from property without deposits, mortgages and cash
12. Learn from experts - free Rent to Rent Training Register here - https://bit.ly/2MRLGbL
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free Rent to Rent Training Tuesday 16 June 7.30PM
JOIN HERE: https://bit.ly/2MRLGbL
How much time do you spend on social media?
According to the Social Media 2019 Trends Report from GlobalWebIndex, internet users are now spending an average of 2 hours and 22 minutes per day on social networking and messaging platforms.
In the UK, we also spend around 20-30 hours each week watching TV or catching up with missed programmes on streaming services!
That adds up to over 6 hours per day spent on social media platforms such as Facebook, WhatsApp, Twitter and LinkedIn, and slumping down in front of the box.
People often say they haven’t got time to learn or improve themselves, but in reality, we all have 24 hours a day. If we sleep 7-8 hours and work 8 hours, that still leaves us quite a few hours free even after taking into account eating and other essential things.
The ONS reports that the group most likely to lose their jobs as a result of the Coronavirus crisis are the young and older workers.
What can you do to earn more money?
In the first quarter of 2020, Facebook had over 2.6 billion monthly active users making it the biggest social network worldwide.
Did you know that Facebook and businesses which use Facebook are making billions from people like you and I who get hooked on a constant stream of content, stories and ads?
Newspapers are disappearing and many young people have never bought a paper!
Did you know you could be making money online while you spend your time on social media?
Check out the link below to the free Marketing Summit
JOIN HERE https://bit.ly/2MxsPCy By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free 5 Day Marketing Summit 2020 8th-12th June, 2020, 7:00-9:00 PM (each day) This brand-new webinar will teach you how to implement tried and tested marketing strategies that your business needs during these unprecedented times. 5 days of exciting marketing content for you and your business to take on board coming out of the lock down.
JOIN HERE https://bit.ly/2MxsPCy
Where can the average person invest their money and what most financial advisers don’t tell you?
Many of you know that I was a financial adviser for 25 years working for banks, insurance companies and in my own IFA practice. I am also the author of the book, Yes, Money Can Buy You Happiness.
For the average person who has a small lump sum or monthly amount of cash to invest there are a number of investment vehicles from which to choose. Here is a basic list of products available to the average investor.
Due to limited space provided on Anchor, the full version of the notes an podcast can be found at http://www.moneytipsdaily.com or https://www.facebook.com/groups/No1businessopportunities/
If you would like to learn more about investing in property, please drop me a line.
The above information is for your information and entertainment only and should not be considered to be investment advice, as I’m not your financial adviser.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
Shops will reopen 15 June but Schools plan abandoned
The government confirmed today that non-essential shops will reopen from next week, subject to safety social distancing rules being followed.
However, plans to reopen primary Schools for all ages have been put on hold making it difficult for many people to return to work. Shops employ thousands of women, full and part-time staff, who would not be able to afford expensive child care should Schools stay closed.
Meanwhile, one in four workers, nearly 9 million people, are still on furlough at a cost of £19 billion to the taxpayer.
If you would like to improve your mindset and take advantage of the abundance of opportunities there are all around us, check out the links below or email me.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free 5 Day Marketing Summit 2020 8th-12th June, 2020, 7:00-9:00 PM (each day) This brand-new webinar will teach you how to implement tried and tested marketing strategies that your business needs during these unprecedented times. 5 days of exciting marketing content for you and your business to take on board coming out of the lock down.
JOIN HERE https://bit.ly/2MxsPCy
Language and attitude of the Rich vs Poor
We live in the richest time in all history.
Poor – statements
· I can’t afford it
· I can’t do that
· I haven’t got time
Rich - questions
· How can I afford it?
· How can I do that?
· How can I find the time?
The statements close your mind, the questions open your mind!
The poor think differently from the rich.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free 5 Day Marketing Summit 2020 8th-12th June, 2020, 7:00-9:00 PM (each day) This brand-new webinar will teach you how to implement tried and tested marketing strategies that your business needs during these unprecedented times. 5 days of exciting marketing content for you and your business to take on board coming out of the lock down.
JOIN HERE https://bit.ly/2MxsPCy
Weekly Money Tips News Round Up
In this Money Tips Podcast episode:
1. What can you do to come out stronger from the lockdown?
2. UK Airport Quarantine Scheme Starts 8 June Despite Business Warnings
3. Government pressing ahead with quarantine plan risking 1000’s of jobs
4. BA makes 12,000 staff redundant and is taking the UK government to court
5. MP’s and travel industry lobby Boris Johnson to ditch travel quarantine plan
6. UK House prices suffer biggest fall in 11 years as lockdown kills the economy
7. Stock markets rise despite economic recession and race riots all over America
8. Will your job be one of millions phased out by automation, innovation and AI?
9. Learn how to take advantage of marketing OPPORTUNITIES to make money in lockdown
10. You don’t need your own money to create a second income in property
11. Time to your economy or Uconomy started whatever the economy is doing!
12. You can create a second income during the lockdown…and come out stronger
13. Learn from experts - free Marketing Summit 8 June Register here- https://bit.ly/2MxsPCy
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free 5 Day Marketing Summit 2020 8th-12th June, 2020, 7:00-9:00 PM (each day) This brand-new webinar will teach you how to implement tried and tested marketing strategies that your business needs during these unprecedented times. 5 days of exciting marketing content for you and your business to take on board coming out of the lock down.
JOIN HERE https://bit.ly/2MxsPCy
What can you do to come out stronger from the lockdown?
In this Money Tips Podcast episode:
1. UK Airport Quarantine Scheme Starts 8 June Despite Business Warnings
2. Government pressing ahead with quarantine plan risking 1000’s of jobs
3. MP’s and travel industry lobby Boris Johnson to ditch travel quarantine plan
4. Will your job be one of millions phased out by automation, innovation and AI?
5. Learn how to take advantage of marketing OPPORTUNITIES to make money in lockdown
6. You don’t need your own money to create a second income in property
7. Time to your economy or Uconomy started whatever the economy is doing!
8. You can create a second income during the lockdown…and come out stronger
9. Learn from experts - free Marketing Summit 8 June Register here - https://bit.ly/2MxsPCy
The UK government is pressing ahead with its untimely quarantine plan, ignoring warnings from MP’s and business leaders that it will decimate the tourism industry and cause irreparable damage to the economy.
True entrepreneurs create wealth and jobs and don’t need you to be poor for them to be rich.
Free 5 Day Marketing Summit 2020 8th-12th June, 2020, 7:00-9:00 PM (each day) This brand-new webinar will teach you how to implement tried and tested marketing strategies that your business needs during these unprecedented times. 5 days of exciting marketing content for you and your business to take on board coming out of the lock down.
JOIN HERE https://bit.ly/2MxsPCy
BA makes 12,000 staff redundant as quarantine measures start next week
In this Money Tips Podcast episode:
1. BA makes 12,000 staff redundant as quarantine measures start next week
2. MP’s and travel industry lobby Boris Johnson to ditch travel quarantine plan
3. Challenger banks criticised for lack of progress on business “bounce back” loans
4. Stock markets recover but is this growth run congruent with the real economy?
5. House prices see “largest monthly fall for 11 years” in May Nationwide reports
6. 8.7 million people are on Job Retention scheme, 2 million more claiming benefits
7. UBS predicts 1 in 5 restaurants will close as 500 chains shut branches permanently
8. Learn how to take advantage of OPPORTUNITIES to make money in property
9. You don’t need your own money to create a second income in property
10. Will your job be one of millions phased out by automation, innovation and AI?
11. Time to your economy or Uconomy started whatever the economy is doing!
12. You can create a second income or get into property during the lockdown…
13. Learn from experts - free Property Network Summit 4 June 10am https://bit.ly/2zOvFQQRegister here -
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com
You can create a second income and get into property during the lockdown…using other people’s money…
Learn from experts – join the Property Network Summit Thursday 4 June Register at https://bit.ly/2zOvFQQ
House prices see “largest monthly fall for 11 years” Nationwide reports
UK House prices fell by 1.7% in May from the April 2020, the biggest “monthly fall for 11 years”, leading mortgage lender Nationwide reports.
The annual growth in house prices also halved from 3.7% to 1.8%, as the coronavirus crisis hammered market activity.
HMRC data revealed that residential property transactions fell 53% in April compared with 2019.
"The medium-term outlook for the housing market remains highly uncertain," the Nationwide warned.
Economist predicts the fall "is just the start of a protracted decline over the remainder of this year,"
What does this mean for you as a home buyer or property investor?
In this Money Tips Podcast episode:
1. House prices see “largest monthly fall for 11 years” in May Nationwide reports
2. 8.7 million people are on Job Retention scheme, 2 million more claiming benefits
3. One quarter of the workforce are now on furlough costing taxpayer multi-billions
4. UK property sales hit record low in April, “asking” house prices have come down
5. Learn how to take advantage of OPPORTUNITIES to make money in property
6. You don’t need your own money to create a second income in property
7. Will your job be one of millions phased out by automation, innovation and AI?
8. Time to your economy or Uconomy started whatever the country is doing!
9. You can create a second income or get into property during the lockdown…
10. Learn from experts - free Property Network Summit 4 June 10am https://bit.ly/2zOvFQQRegister here-
If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
You can create a second income and get into property during the lockdown…using other people’s money…
Learn from experts – join the Property Network Summit Thursday 4 June Register at https://bit.ly/2zOvFQQ
What Will You Learn At The FIRST EVER NETWORK SUMMIT?
1) Uncover the tools you need to survive in property & business post Covid 19
2) Learn the marketing insights into Social media and branding
3) Our speakers will reveal how to maximise and monetise your networking
4) Discover how to build a portfolio with no money and take the risk away
5) How to make SA work right now and how it will blow up post lockdown
Limited places available Register now - https://bit.ly/2zOvFQQ
Some Schools, outdoor markets and car showrooms have been able to open again in England from Monday as the government eases its restrictions on some retail sites classed as "non-essential".
This cannot come sooner for members of the British Retail Consortium (BRC), which estimates that the Coronavirus lockdown is costing non-essential retailers £1.8bn a week in lost sales
In the meantime, what can customers expect and what is the timetable for the reopening of other types of outlets?
From today, open air markets and car showrooms have been allowed to reopen.
From 15 June, non-essential stores in England will be able to reopen. This includes shops selling clothes, toys, books, electronics, tailors, auction houses, photography studios and indoor markets.
Other retail outlets are expected to resume business from next month. Pubs, restaurants, hairdressers, hotels, cinemas and places of worship will be allowed to open from 4 July at the earliest, if they can meet social distancing measures.
In an open letter to parishes yesterday, The Archbishop of Westminster, Cardinal Vincent Nichols, called on the British government to reopen churches ahead of the scheduled reopening on 4 July.
Indoor public spaces such as beauty salons, where social distancing may be difficult, could reopen ''significantly later", depending on when the rate of infection falls.
Other hospitality firms and some other small businesses may have to wait longer to get back to work.
Space X is now worth more than Tesla
Social distancing rules did not stop Elon Musk’s first ever commercial spaceflight taken off yesterday.
Space X is now worth more than Tesla after rocket launch, but has the share price gone up like a rocket that will come crashing down to earth?
Ten million people are now either unemployed or on the job furlough scheme with no certainty of if and when they will get their jobs back.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
See more articles at www.moneytipsdaily.com
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
You can create a second income and get into property during the lockdown…using other people’s money…
Learn from experts – join the Property Network Summit Thursday 4 June Register at https://bit.ly/2zOvFQQ
How Colonel Tom Parker bought out Elvis Presley's contract when he had no money?
The incredible story of how Colonel Tom Parker facilitated the buyout of Elvis Presley’s contract when he was a broke salesman with little industry experience or connections.
In 1955, the mysterious Parker asked record producer and label owner Sam Phillips whether he would sell Elvis and Sam Phillips said he would “if the price was right”. He said a price of $35,000 for the contract which he thought nobody would ever pay.
Parker was no Simon Cowell at the time and had no money, let alone $35,000, a small fortune in 1955. Colonel Tom Parker was a Dutch national who had jumped ship at age 18. He never left America and lived as an illegal immigrant with a shady past selling herbal remedies around carnivals in the South.
He had seen Elvis sing and knew he had something special. He wanted to manage Elvis and realised that his current company, Sun Records, could only take him so far. But with no money and no industry experience how on earth was he going to pull off the deal?
Most people would have given up, but the resourceful Colonel went to the much bigger RCA Victor record company who put up the money to buy out Presley’s contract from Sun Records owner Sam Phillips for $35,000. The Colonel became his manager on an unheard of 50-50 deal and total control of the young star.
Parker pulled off the music deal of the century, using none of his own money, by packaging Elvis Presley to a larger company and using their resources to turn his protege into a worldwide superstar. Elvis Presley went on to star in Hollywood movies and sell an estimated 600,000 to 1 billion records. He is still the best-selling solo artist of all time.
The same principle used by Colonel Tom Parker to tie up the Elvis contract also applies to other businesses and property deals.
You don’t need your own money to buy a property and you don’t even need to buy the property to make money out of it. You can use other people’s money, joint ventures, options or package the deal to sell to another investor for a fee.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
You can create a second income and get into property during the lockdown…using other people’s money…
Learn from experts - free webinar Sunday 31 May at 7pm Register https://bit.ly/3gwbmIy
Mortgage lender wants credit files marked down for borrowers taking new payment holidays
Britain’s largest building society has called for borrower's credit file to be marked if they take a further mortgage holiday.
Joe Garner, CEO of the Nationwide Building Society, said an extension to the mortgage break may signal a borrower was "struggling".
You can create a second income and get into property during the lockdown…using other people’s money…
Learn from experts - free webinar Sunday 31 May at 7pm Register https://bit.ly/3gwbmIy
This could have serious implications for millions of home owners and buy-to-let landlords. Mortgage lenders look at the information on a borrower’s credit file when deciding whether to agree to a fresh loan or contract and the interest rate they will charge. A poor rating may make it difficult to re-mortgage, obtain a new loan or even a continued fixed rate deal.
The current scheme is due to end in June, but the Treasury and regulators have announced that those who need to will be permitted to defer for another three months. No decision has been made on whether the extended payment holiday will be reflected on a credit reference file used by other lenders.
The UK's largest mutual (profits are distributed to members) announced a plunge in profits and a £100 million Coronavirus hit.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. Nationwide BS wants credit files marked for borrowers taking payment holidays
2. The UK banking sector approved 1.8 million mortgage holidays, say UK Finance
3. There been 877,800 freezes on credit cards, up 26% since the start of the month
4. Further 608,000 payment holidays on personal loans, up 30% over same period
5. Chancellor - employers to contribute to furlough scheme plus, new flexi-furlough
6. 8 million people are on Job Retention scheme, 2 million more claiming benefits
7. Commercial retail property values fall 26%, as British Land lose £1 billion
8. UK property sales hit record low in April, asking prices have come down
9. Learn how to take advantage of OPPORTUNITIES to make money in property
10. You don’t need your own money to create a second income in property
11. Will your job be one of millions phased out by automation, innovation and AI?
12. Time to your economy or Uconomy started whatever the country is doing!
13. You can create a second income or get into property during the lockdown…
14. Learn from experts - free webinar Sunday 31 May at 7pm Register https://bit.ly/3gwbmIy
Commercial Retail Property Values Fall 26%
Even though UK property sales hit a record low in April, property is and has always been a safe good long-term investment in most areas of the country. How can you take advantage of the post-coronavirus property market?
Learn more at the Property Revolution Summit, 29th May 2020, 10:00 AM – Click to register: https://progressiveproperty.online/offers-2905-property-revolution-summit-three-aff-yt/amb1927
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. Commercial retail property values fall 26%, as British Land lose £1 billion
2. Commercial values depend on rent and quality of the tenant covenant
3. UK property sales hit record low, but some sectors are moving again
4. Travel industry lobby UK government to ditch next month’s quarantine
5. Self-employed help scheme to be scaled back by government soon
6. EU leaders plan to borrow €750 billion to fund Europe’s recovery
7. Hong Kong’s independence threatened by China government ruling
8. China and America in tense standoff for control of Pacific region
9. Bank of England predicts worst recession for UK in over 300 years
10. 400 million out of work worldwide as Coronavirus recession deepens
11. World Bank says 60 million people will fall into extreme poverty in lockdown
12. Will your job be one of millions phased out by automation, innovation and AI?
13. Time to your economy or Uconomy moving whatever the country is doing!
14. You can create a second income or get into property during the lockdown…
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Why property is still the best long-term investment despite the economic crisis
Even though UK property sales hit a record low in April, property is and has always been a pretty good long-term investment in most areas of the country. How can you take advantage of the post-coronavirus property market?
Learn more at the Property Revolution Summit, 29th May 2020, 10:00 AM – Click to register: https://progressiveproperty.online/offers-2905-property-revolution-summit-three-aff-yt/amb1927
In this Money Tips Podcast episode:
1. Property is still a safe long term bet despite the economic downturn
2. UK property sales hit record low, but some sectors are moving again
3. Online auction sales increase as London and foreign money head north
4. Rightmove said 18 May saw highest level of rental demand in a single day
5. Zoopla recorded an 88% increase in property searches as restriction eased
6. The country is made up of a number of different regional property markets
7. Actual sales of property remain sluggish and will take some time to recover
8. 40% of home movers and sellers put property plans on hold, the FT reports
9. Over 8 million people on job retention furlough which is wide open to abuse
10. Will your job be one of millions phased out by automation, innovation and AI?
11. Time to your economy or Uconomy moving whatever the country is doing!
12. You can create a second income or get into property during the lockdown…
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
https://progressiveproperty.online/offers-2905-property-revolution-summit-three-aff-yt/amb1927
UK shops to start opening next month but too late for many businesses
Millions of people all over the world face a bleak future post-Coronavirus lockdown, as businesses disappear and workers are laid off. However, life doesn’t have to end because of lockdown or recession! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Join the free Ecommerce Online Summit, 27th May 2020, 9:30 AM and learn how to do the same! -Click here to join: https://progressivesuccess.online/offers-ecom-online-summit-two-aff-yt/amb1927
With Rich Hawkins, Kay Herdsman & Paul O'Mahony
1) Build a profitable eCommerce business in less than 90 days.
2) Replace your current income in months.
3) Help get the products to people that they need the most.
4) Be able to spend more time doing what you love, with the people you love.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. Stores will start opening in June as economy stagnates from lockdown
2. Retail shares soar, JD Sports jumps 11%, Next up 6.7% and M&S up 4.8%
3. FTSE tops 6,000 from a low of 4,898 in March and all-time high of 7,727
4. US stocks jump on news of Coronavirus lockdown restrictions being eased
5. Dow Jones 25,072 was at 18,000 in March from Jan all-time high of 29,000
6. Will the “temporary” restrictions on freedom be permanent, like post 911?
7. The new economy is here to stay as more and more business is done online
8. China will roll out an entirely digital version of the Yuan currency in 2020
9. UK property sales hit record low, but overseas investors are still buying
10. 2.1 million now claiming state benefits, 2 million self-employed claim loans
11. Will your job be one of millions phased out by automation, innovation and AI?
12. Time to get your economy or Uconomy moving whatever the country is doing!
13. You can create a second income or get into property during the lockdown….
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
Mortgage payment holiday scheme extended as UK property market hits new low
The government will extend help to borrowers for a further three months as UK property sales hit a record low in April. The market shows signs of increased activity with investors picking up cheap deals in the North of England.
Millions of people all over the world face a bleak future post-Coronavirus lockdown, as businesses disappear and workers are laid off. However, life doesn’t have to end because of lockdown or recession! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. Mortgage payment holiday scheme extended for three months
2. UK property sales hit record low, but overseas investors are still buying
3. Falling Pound Sterling attracts overseas property investors to UK property market
4. UK mortgage application dropped by 50% between March and April
5. Mortgage gearing in the 2008 recession not the same as current situation
6. Google and Twitter extend ‘work form home’ for staff cutting office need
7. Over 10 million of economically inactive one third of working population
8. Almost a third of population, could reach 50%, not producing or paying taxes
9. 2.1 million now claiming state benefits, 2 million self-employed claim loans
10. Will your job be one of millions phased out by automation, innovation and AI?
11. Time to your economy or Uconomy moving whatever the country is doing!
12. You can create a second income or get into property during the lockdown…
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK property sales hit record low in April, but market shows signs of recent activity
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. UK property sales hit record low, but some sectors are moving again
2. Online auction sales increase as London and foreign money head north
3. Zoopla record a record number of property searches as lockdown eases
4. Over 10 million of economically inactive one third of working population
5. Almost a third of population, could reach 50%, not producing or paying taxes
6. 2.1 million now claiming state benefits, 2 million self-employed claim loans
7. US jobless claims approaching 40 million as recession turns into depression
8. UK Immigration Health Surcharge dropped today for NHS staff and care workers
9. Will your job be one of millions phased out by automation, innovation and AI?
10. Time to your economy or Uconomy moving whatever the country is doing!
11. You can create a second income or get into property during the lockdown…
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles and full length videos at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Over 10 million economically inactive in the UK – as the world goes into depression, what’s your survival plan?
In February 2020, it was reported that there were 8.5 million people in the UK classed as “economically” inactive – unemployed, long term sick, students and looking after family etc. Since then we have seen, unemployment rise by over 70% to 2 million, 6 million workers have been put on furlough as part of the government’s job retention scheme and 2 million self-employed apply for business interruption “bounce back” loans.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. Over 10 million of economically inactive people as UK heads into depression
2. Almost a third of population, could reach 50%, not producing or paying taxes
3. 2.1 million now claiming state benefits, 2 million self-employed claim loans
4. 6 million on job furlough scheme but 1 in 5 firms plans job cut this summer
5. Getting the economy moving again is the only answer, like other countries
6. Greece and Italy opening up, parts of UK remains closed even for day trippers
7. Will your job be one of millions phased out by automation, innovation and AI?
8. Time to your economy or Uconomy moving whatever the country is doing!
9. You can create a second income or get into property during the lockdown…
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Unemployment almost doubles to 2.1 million
The number of people claiming unemployment benefit has soared by 856,500 to over 2 million months, according to figures released by the Office for National Statistics (ONS), after the UK had recorded record numbers of people in work. Add this to over 6 million on furlough and 2 million self-employed claiming the bounce back loan or other support programmes we now have 10 million economically inactive workers in the UK.
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.
Are you ready to adapt to the new economic model?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
In this Money Tips Podcast episode:
1. 2.1 million now claiming state benefits such as Universal Credit
2. Self-employed grant claims top 2 million with £6 billion paid out in claims
3. 6 million on job furlough scheme but 1 in 5 firms plans job cut this summer
4. US jobless reach 33 million, while Germany, Japan join UK in deep recession
5. Most people have zero savings or back-up plan to cope with unemployment
6. Property market up and running again but prices could plummet 20% this year
7. Tenant demand increases after a quiet period in the early stages of lockdown
8. VE Day gives Children opportunity to learn about wartime rationing and values
9. Will your job be one of millions phased out by automation, innovation and AI?
10. You can create a second income or get into property during the lockdown…
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Beat the recession blues and create a second income during lockdown
Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increasedtheir income and added streams of new income during this period. Register for a free Multiple Streams of Income online to learn how to make money in your spare time - https://bit.ly/2LFXKMx
Are you ready to adapt to the new economy? As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Will you survive the economic revolution sweeping across the globe?
2. Self-employed grant claims top 2 million with £6 billion paid out in claims
3. 6 million on job furlough scheme but 1 in 5 firms plans job cut this summer
4. FT100 Index nudges over 6000 as world markets show some signs of recovery
5. Will your job be one of millions phased out by automation, innovation and AI?
6. How to create a second income during the lockdown…
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Register free for Multiple Streams of Income online to learn how to make money in your spare time - https://progressivesuccess.online/offers-online-income-web-1905-ih-amb/amb1927
Property market slowly back to life as construction sites back at work
What can you expect from the UK property market in 2020? Register for the Property Summit, online this Sunday, to learn more about how to survive and thrive in the new property market - https://bit.ly/2ApM4LH
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Property market slowly back to life as construction sites back at work
2. One million apply for the government HMRC self-employed help scheme
3. The UK property market is changing rapidly and will not go back to pre-coronavirus
4. How can you benefit from the changing property market? Free summit by experts
Register for a free training session to learn more about how to survive and thrive in the changing property market - https://bit.ly/2ApM4LH
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
https://progressiveproperty.online/offers-property-revolution-web-2-ih-amb-2/amb1927
Coronavirus Borrowing Cost Will Reach Wartime Levels And Plunge Country Into Generational Debt - £298 Billion and Counting
Are you ready to adapt to the new economy? Build a second income source fast. Register for a free training session to learn more about how to survive and thrive in the changing property market - https://bit.ly/2ApM4LH
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Cost of Coronavirus to the UK government has risen to £123 billion
2. Borrowing for this year expected to reach a staggering £298 billion!
3. The UK’s World War 2 debt to the US took 61 years to be paid off by 2006
4. UK annual borrowing will hit 15.2% of economy, highest since WW2’s 22%
5. Further billions will be spent by taxpayers to cover bad bank debt and benefits
6. Rishi Sunak confirms the UK economy is in recession with 6 million unemployed
7. 1 in 4 US workers now claiming benefits as jobless figures soars by 3 million to 36M
8. As WHO says Coronavirus will “never go away” we need to adapt to a new economy
9. The UK property market is changing rapidly and will not go back to pre-coronavirus
10. How can you benefit from the changing property market? Free seminar by experts
Register for a free training session to learn more about how to survive and thrive in the changing property market - https://bit.ly/2ApM4LH
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
https://progressiveproperty.online/offers-property-revolution-web-2-ih-amb-2/amb1927
London starting to come back but will life ever be the same PC or Post Coronavirus?
Are you prepared for the new economy?
Register for a free training session to learn how t make money working part-time without building a website - https://bit.ly/2LmTzVG
Are you ready to adapt to the new economy?
As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Will you survive the economic revolution sweeping across the globe?
2. Will your job be one of millions phased out by automation, innovation or AI?
3. As Boris encourages us to get back to work, will Rishi Sunak reduce state aid?
4. Building industry will restart this week which is good news for the housing market
5. HMRC admits to problems with scheme to help self-employed and small businesses
6. Have you thought about how podcasting and blogging can help your business grow?
7. Learn how BBC Apprentice finalist earned £80,000 from online income in 6 months!
Register for a free training session to learn more about making money working part-time without building a website - https://bit.ly/2LmTzVG
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
https://progressivesuccess.online/offers-podcast-online-accelerator-ih-amb/amb1927
VE Day 75th Anniverssary Celebrations Reminds Us Of Standing Together In Times Of Trouble
Bank of England warns of 30% drop in GDP, is anywhere safe to put your money?
With leaders driving the economy into almost certain depression by shutting down their country’s economies, you’d be forgiven for believing in the Coronavirus conspiracy theorists, like David Icke, that this is a deliberate plan to destroy the world order as we know it!
Cash is King!
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Where can you put your money that is safe from the coming depression?
2. BoE predict 30% fall in first 6 months and 15% fall in 2020 - highest ever
3. I’m telling it like it is and do not dress up the facts with “positive” crap!
4. Stock market prices are still way overvalued are likely to crash deeper
5. “Buffett predictor” of imminent market crash is at highest level for 50 years
6. What about shares, Bonds, Gold, Silver, Bitcoin, Property and bank deposits?
7. UK Bank deposits government protected up to £85,000 per depositor per bank
8. Chancellor is bound to slash government aid for business furlough scheme soon
9. Businesses need end to lockdown to get back to work now to come off state aid
10. 6.3 million furloughed on Job Retention Scheme costing us billions every month
11. Builders stuck due to lack of materials while supermarket chains can sell everything
12. Why opening a shop in the High Street is financial suicide for most business start-ups
13. Your best investment could be investing in yourself through education to make money
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
State Aid For Business To Be Cut As Treasury Counts The Cost
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Rishi Sunak may reduce government aid for workers furlough scheme
2. Businesses need to be able to get back to work now to come off state aid
3. 6.3 million furloughed on Job Retention Scheme costing billions every month
4. Building industry needs suppliers open in order to restart housing market soon
5. 2 million more apply for mortgage and credit card payment holiday hitting banks
6. Why opening a shop in the High Street is financial suicide for most business start-ups
7. Join a free ecommerce training to learn how to make money online working part-time
Register for a free ecommerce training session to learn more about making money working part-time without building a website - https://lnkd.in/gfcTJV4
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Warren Buffett Remains Very Cautious On The Economy While Sitting On Berkshire’s $130 Billion Cash Mountain – Berkshire Hathaway Shareholder Meeting Report
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Warren Buffett sits on cash in market falls and sells airline holdings
2. Borrowing money on credit cards at 18% unsustainable says Warren
3. Berkshire Hathaway share price – Share splitting and incredible growth
4. 27 years to pay off credit card debt paying just the minimum payment
5. Bounce Back Scheme applications soar as Barclays customers complain
6. Zero percent deals and cheap mortgage rate offers withdrawn by banks
7. 6.3 million furloughed on Job Retention Scheme costing billions every month
8. 1.8 million more apply for Universal Credit with even more jobs cuts to come
9. Why opening a shop in the High Street is financial suicide for most business start-ups
10. Join a free ecommerce training to learn how to make money online working part-time
Register for a free ecommerce training session to learn more about making money working part-time without building a website - https://lnkd.in/gfcTJV4
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
New Coronavirus Business Interruption Loan Scheme (CBILS) Bounce Back Scheme Launched
The revamped and improved UK Government-backed Coronavirus Business Interruption “Bounce Back” Loan Scheme starts today with promises of funds paid out within days of completing a simple self-certification application process.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Bounce Back Scheme Launched today with 100% government guarantee
2. Loans up to £50,000 interest max 25% of T/0 and payment free for 12 months
3. Thereafter charged at 2.5% PA for 5 years which can be repaid earlier
4. Lockdown measures could be eased this week after business pressure
5. Why opening a shop in the High Street is financial suicide for most business start-ups
6. Join a free ecommerce training to learn how to make money online working part-time
Register for a free ecommerce training session to learn more about making money working part-time without building a website. https://lnkd.in/gfcTJV4
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Retail shopping centre landlords could go bust as big brands withhold rent.
Don’t open the shop, start your business online. Join free training session, learn how to earn a part-time income online. Click here https://lnkd.in/gfcTJV4
Major retail shopping centre landlords could go bust as big brands withhold rent
The government has hinted that some lockdown restrictions could be eased as the Coronavirus death toll appears to have peaked. Meanwhile, job losses rise despite the furlough job retentions scheme and other measures to help business.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Shopping centre landlords like INTU are in trouble and some could go under
2. Lockdown measures could be eased next week after pressure from industry
3. Ryanair cut 3000 jobs and BA will close its Gatwick up costing 1000’s more jobs
4. Why opening a shop in the High Street is financial suicide for most business start-ups
5. Join a free ecommerce training to learn how to make money online working part-time
6. Over 30 million Americans apply for unemployment benefit as some states lift lockdown
7. See also - 10 things you can do to thrive during Covid 19 isolation
Register for a free ecommerce training session to learn more about making money working part-time without building a website.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Why opening a shop in the High Street is financial suicide for most business start-ups
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. You don’t need a shop or even a physical premises to start a business!
2. EU economy in crisis, shrinking at fastest rate ever as stimulus announced
3. Would you like to have your own podcast but don’t know how to start?
4. See also - 10 things you can do to thrive during Covid 19 isolation
Find out how you can join the Podcast revolution - https://bit.ly/2KWNgs5
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property course
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster courses from the comfort of your home.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
To learn more about podcasts, join this free training seminar - https://bit.ly/2KWNgs5
Barclays Bank rethink big “offices” following lockdown experience
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. One of Britain’s largest banks rethinking its staff office strategy
2. U.S. economy shrinks at fastest rate since 2008 and 26m unemployed
3. Would you like to have your own podcast but don’t know how to start?
4. See also - Mortgage lenders kickstart the market with more flexible deals
5. See also - 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property course
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster courses from the comfort of your home.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
To learn more about podcasts, join this free training seminar tomorrow night - https://bit.ly/2KWNgs5
£82 billion of property sales on hold due to Coronavirus Lockdown
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. £82 billion or 3337,000 property sales held up in Covid 19 lockdown
2. Demand for houses drops by 60% say online property platform Zoopla
3. British Airways shed 12,000 jobs as recession hits airlines
4. See also - Mortgage lenders kickstart the market with more flexible deals
5. See also - 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Please note.
The webinar training mentioned in this podcast has ended. I will have future events coming up soon.
How to replace your lost income during Coronavirus lockdown
Register for a free ecommerce training session 7.30pm GMT Tuesday to learn more about making money working part-time on Amazon
Amazon generated £7500 a second or £59 billion in sales during the first quarter of 2020. You can get your share of the online bonanza and replace the income from your job. Click here to register for this free training.
https://progressivesuccess.online/april-cashflow-web-8/amb1927
Mortgage Lenders Back In The Market Again
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Mortgage lenders kickstart the market with more flexible deals
2. Commercial landlords suffer rent losses and could go out of business
3. Shops selling 34% more alcohol and the nation drowns its lockdown sorrows
4. See also - 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
10 Tax Saving Tips in 10 Minutes - How to pay less tax
Death and Taxes - Life’s two certainties!
From the moment we are born until we die we are taxed in one form or another. With UK government borrowing expected to rise by £500 billion in the next few months if the lockdown on the economy continues, the debt will have to be paid by higher taxes and will take decades to pay off. Britain’s second world war debt of £21 billion owed to America took until 2006 to repay or over 60years.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. 10 tax saving tips in 10 minutes!
2. See also - 10 things you can do to thrive during Covid 19 isolation
10 Tax Tips
1. Check your tax code, which indicates how much tax HMRC will collect from your salary.
2. Claim tax credits, for extra money to those looking after children, disabled workers and other workers on low incomes
3. Pay contributions to your employer's or your personal pension scheme
4. Meet the tax return deadline and pay tax bills on time to avoid a fine and penalties
5. Claim marriage allowance, which a tax perk that benefits couples where one partner earns less than the personal allowance
6. Reclaim overpaid taxes if you are a non-taxpayer, or your income unexpected falls during a year
7. Claim Landlord’s Domestic Replacement Items Tax Relief – not ‘Wear and Tear’ allowance
8. Claim for the tax-free childcare scheme to claim back 25% of your childcare costs, up to £500
9. Change to a low-emission car
10. Maximise your annual Isa allowance tax-free allowance of up to £20,000 2020/21 and look at Junior and Lifetime Isas
11. Finally, make a Will to mitigate IHT Inheritance Tax liabilities.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Who will be the winners or losers following the coronavirus crisis?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Which businesses will the winners or losers following the coronavirus pandemic?
2. For instance - FAANGS – Facebook, Amazon, Apple, Netflix, Google (Alphabet)
3. Small luxuries – Coke, drinks, cigarettes all prospered during the great depression
4. Invest in companies, at right the price, with a strong moat, low debt, good management
5. John Lewis, Stella McCartney, Victoria Beckham, Richard Branson on support
6. The American dream turns into a nightmare for millions homeless and unemployed
7. Oil market in turmoil as prices reach 18 year low indicating economic growth
8. Opportunities – stock market, options trading, business and buying cheap assets
9. Learn insider secrets on buying and selling in auctions from leading experts
10. See full interview with auction expert https://www.facebook.com/CharlesKellyUK
11. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Should the Government bailout Richard Branson’s Virgin Atlantic?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Should the Government bailout Richard Branson’s Virgin Atlantic?
2. Branson does not personally own the airline – Delta, KLM and others
3. Branson is asking Government for a loan offering his Necker Island as security
4. Burger King withholds rent on 500 stores as private rental demand drops by 42%
5. Crude Oil prices reaches and 18 year low as demand collapse and storages runs out
6. Learn insider secrets on buying and selling in auctions from leading experts
7. See full interview with auction expert https://www.facebook.com/CharlesKellyUK
8. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Boris Johnson rules out lockdown end as employers apply for furlough aid to meet payday run
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. PM rules out early end to Coronavirus lockdown despite falling death numbers
2. Thousands of employers apply for government furlough aid to meet payday run
3. Markets up 20% recovering from March falls but well short of January peak
4. Oil down, Gold reaches highest price since 2012 but physical Gold liquid?
5. Learn insider secrets on buying and selling in auctions from leading experts
6. See full interview with auction expert https://www.facebook.com/CharlesKellyUK
7. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to earn money in property during the lockdown
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Properties are still being bought and sold during Coronavirus lockdown
2. Learn insider secrets on buying and selling in auctions from leading experts
3. See full interview with auction expert https://www.facebook.com/CharlesKellyUK
4. Stock markets rally on hope of Covid 19 cure, buy still overvalued
5. Learn how to make money on Amazon and adapt your business
6. 10 things you can do to thrive during Covid 19 isolation
To attend the one-day training event which will teach you the insider secrets on buying and selling at auction, follow this link:https://www.eventbrite.co.uk/.../mpg-presents-guest...https://www.eventbrite.co.uk/.../property-auction...
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
UK Coronavirus Lockdown Extended For 3 Weeks Pouring More Misery On Damaged Economy
Foreign Secretary Dominic Raab has announced a further lockdown, with no exit strategy, despite evidence that over 90% people who had “Coronavirus” written on their death certificates had at least one other serious illness. Furthermore, not all of those diagnosed with Covid 19 are actually tested for the disease.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Lockdown extended further 3 Weeks with no exit strategy revealed
2. Unemployment levels – 22 million in US - now in “Great Depression” territory
3. MP’s continue to draw full salary plus an additional £10,000 for working at home
4. US stock market falls while property market and building industry stagnates
5. Signs of civil unrest in America where protesters have hit the streets
6. Can you still buy or sell a property at auction? Find out tomorrow…
7. Learn how to make money on Amazon and adapt your business
8. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
House prices set to fall by £30,000 on average say CEBR
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. CEBR forecast average house price drop of £30,000 by end of 2020
2. UK Government have not revealed plan to end Coronavirus lockdown
3. UK stock market falls but others bounce back as economies restart
4. Learn how to make money on Amazon and adapt your business
5. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
OBR says UK economy could shrink by 35% with millions of jobs lost and disappearing revenue
The UK Chancellor Rishi Sunak said the economy will bounce back quickly. However, he refused to answer questions on possible tax hikes or austerity measures to pay off the expanding national debt or reveal any plan to end the lockdown and restart the economy.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Office for Budget Responsibly (OBR) predicts 35% drop in UK economy
2. UK Government still planning to extend the lockdown for 3 more weeks
3. Small and large businesses going bust with revenue lost forever
4. Chancellor says the economy will “bounce back” – some hope!
5. UK stock market falls but others bounce back as economies restart
6. Learn how to make money on Amazon and adapt your business
7. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Coronavirus Lockdown Must End Soon
The UK government are reviewing social distancing measure but have refused to reveal an exit plan to get Britain back to work and open up the locked down economy
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Spain and Italy are relaxing lockdown measures, should the UK follow?
2. Businesses losing revenue they can never get back while paying costs
3. Government help and loans not getting through to enough businesses
4. Loans will not help businesses which lose revenue, stock and orders
5. Lockdown will continue as Coronavirus yet to peak according to experts
6. UK holiday - stock markets in the US fall today after last week’s gain
7. Learn how to make money on Amazon and adapt your business
8. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How To Benefit From Low Interest Rates
The UK government recently cut rates to a record low of 0.1% - hitting savers - but are the banks passing the lower rates on to borrowers?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Save money with zero percent credit deal balance transfer offers
2. Banks have reduced savings rates and increased mortgage and overdraft rates
3. Lockdown will continue as Coronavirus yet to peak according to experts
4. Stock markets recover some earlier losses despite recession warnings
5. Learn how to make money on Amazon and adapt your business
6. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
UK Coronavirus measures could see 9 million workers furloughed at a cost of £30-£40 billion, think tank reports
As the UK government prepares to extend the Coronavirus lockdown, risking permanent damage to the economy, a new report reveals that over 9 million workers could be on £30 billion furlough.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Over 9 million workers furloughed at a cost of £30-£40 billion
2. Extended lockdown will cause untold misery and bankruptcy for millions
3. How does Amazon make its money and how can you get your share?
4. Learn how to make money on Amazon and adapt your business
5. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Markets rebound again while property sales slump
Following 30% falls since January, stock markets around the world have staged a recovery this week. Has the slump ended or is this just the beginning of a bear market?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets rebound but don’t be fooled by this V-shaped bounce
2. Look at share values not sticker price and what they really earn
3. Tenants should agree rental holidays with landlords if in difficulty
4. Wishing Prime Minister Boris Johnson a speedy recovery
5. How does Amazon make its money and how can you get your share?
6. Learn how to make money on Amazon and adapt your business
7. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
As commercial property landlords face repossession, half a million house sales could be lost during a prolonged Coronavirus lockdown
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Coronavirus lockdown costing UK economy 2.4 billion a day
2. Commercial landlords could face repossession as tenants miss quarterly rent
3. Debenhams in administration could be first of many retailers to go under
4. Prime Minister Boris Johnson in intensive care unit after admission yesterday
5. Economists forecast a 2nd quarter downturn and recession for western countries
6. Some warn of a 1930’s depression if this economic shutdown continues
7. How does Amazon make its money and how can you get your share?
8. Learn how to make money on Amazon and adapt your business
9. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
UK and US facing depression but should you be depressed?
With half the world in Coronavirus lockdown and stock markets in freefall, the UK and US could go into a depression – not seen since 1929 – but do you need to be depressed and wait for it to happen? Thousands of businesses will go to the wall, but others will survive and thrive, like Amazon, which is hiring an extra 1000 staff and Facebook which announced that it is recruiting 10,000 new developers. You too can join the world of online commerce and change your life – and it’s easier than you think!
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Economists forecast a 2nd quarter downturn and recession for western countries
2. Some warn of a 1930’s depression if this economic shutdown continues
3. How does Amazon make its money and how can you get your share?
4. Learn how to make money on Amazon and adapt your business
5. 10 things you can do to thrive during Covid 19 isolation
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Banks ordered to freeze credit card interest for needy borrowers
As millions more register for unemployment benefit in the UK and US, the FCA tells banks to freeze interest on credit cards and overdrafts for struggling borrowers without affecting their credit rating.
Measures proposed to help borrowers in difficulty include:
· Three-month repayment freeze on loans
· Temporary freeze on credit card and store card debt for up to three months
· Zero interest for three months for up to £500 for customers affected by coronavirus using an arranged overdraft for up to three months
In this Money Tips Podcast episode:
1. Learn top tax tips for property investors in a free webinar tonight
2. Stock markets continue falling after suffering the worst quarter since 1987
3. Dividends cut or suspended by banks and blue-chip companies
4. After interest cut, mortgages have gone up – if you can get one!
5. Tax Year end looming – top up ISAs to claim tax free allowance
6. Use your pension allowance and find your “lost” pensions
7. 10 things you can do to thrive during Covid 19 isolation
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
National Living Wage Jumps 6.2% As Stock Markets Suffer Worst Quarter Since 1987
The UK National Living Wage increases this week by more than three times the rate of inflation to £8.72 for people aged 25 and over. When the new rate was announced at the end of last year it was described by the government as "the biggest cash increase ever". Meanwhile, the government's coronavirus job retention scheme means employers can claim for 80% of wages in order to keep staff employed.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. National Living Wage rises to £8.72 per hour for workers aged 25 and over
2. Stock markets continue falling after suffering the worst quarter since 1987
3. Pension transfers could be delayed or blocked after FCA advisory
4. Dividends cut or suspended by banks and blue-chip companies
5. After interest cut, mortgages have gone up – if you can get one!
6. Tax Year end looming – top up ISAs to claim tax free allowance
7. Use your pension allowance and find your “lost” pensions
8. 10 things you can do to thrive during Covid 19 isolation
Track down your “lost” pension scheme - https://www.gov.uk/find-pension-contact-details
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
End of Tax Year Money Tips Could Save You Thousands
With the end of the fiscal year 5th April, approaching fast and Coronavirus lockdowns restricting movement, now is the time to start planning on how to make the most of your savings and tax allowances – it could save you thousands!
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Plan ahead – preferably with an advisor - and don’t leave things until the last minute
2. See your accountant before not afterthe end of the tax year to reduce tax liability
3. Look at the Lifetime ISA and get up to £1000 tax free from the government
4. Top up your ISA or start one for tax free savings up to £20,000 per year
5. Use your pension allowance and find your “lost” pensions
6. 10 things you can do to thrive during Covid 19 isolation
Track down your “lost” pension scheme - https://www.gov.uk/find-pension-contact-details
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How long can this mass lockdown continue without causing irreparable damage to the western economy?
With 3 billion people in Coronavirus lockdown, and business activity grinding to a halt, are we doing irreparable damage to the west’s economy and driving us into the worst depression since the 1930s?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
- Can the UK government rely on potentially flawed computer modelling?
- Imperial College Professor Neil Fergusson’s assumptions called out
- 10 things you can do to thrive during Covid 19 isolation
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
A week like no other in history
Boris Johnson and his Health Minister test positive for Coronavirus, as millions of Britons in enforced lockdown backed up by new powers rushed through Parliament last week.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Britain in lockdown as millions are put under effective house arrest
2. Chancellor Rishi Sunak launches scheme to give relief to millions of self-employed
3. Billions pledged in aid as worldwide economy forced into recession
4. 10 things you can do to thrive during Covid 19 isolation
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
UK Government launch Coronavirus aid for Self Employed…with a sting in the tail
The long-awaited government helping hand comes with a possible sting in the tail as the Chancellor hinted of future changes to “equalise” taxation between employed and self-employed to make it “fairer” for everyone.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Chancellor Rishi Sunak launches scheme to give relief to millions of self-employed
2. Up to 80% of average taxable earnings over the last three years will be paid for three months, to a maximum of £2500 pm
3. Aimed at 3.8 million of the 5 million people registered as self-employed, who earn under £50k – full details to follow on qualification rules
4. Grant to be paid as a lump sum by 1 June, backdated to March
5. Benefit rules changed to allow self-employed people to apply for universal credit
6. The self-employed can apply for the business interruption loans through the banks
7. £30 billion of tax payments due in July will be deferred until January 2021
8. Should saving for emergencies be enforced via salary deduction!
9. The only way out of the rat race…
10. 10 things you can do to thrive during Covid 19 isolation
11. Learn about investing in property before buying anything!
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Stock markets bounce back after US agree $2 Trillion support package, but is it over?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets bounce back with biggest one day rise after US pumps in £2 Trillion
2. Announcement expected by Rishi Sunak Thursday on help for self-employed
3. Companies will wait weeks for banks to deliver Government business loan guarantee
4. UK Business Shut Down but online retailers boom - Over to You Amazon?
5. 10 things you can do to thrive during Covid 19 isolation
6. Learn about investing in property beforebuying anything!
UK Government Business Support Helpline (England)Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Business Shut Down - Over to You Amazon?
Boris Johnson orders thousands of business close and millions to “stay home”, as Amazon’s business booms while UK companies face bankruptcy. No help announced for millions of Britain’s self-employed.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Announcement expected by Rishi Sunak on more help for self-employed
2. Banks yet to Government £370 billion business loan guarantee scheme
3. Burger King and other retailers will refuse to pay quarterly rent due soon
4. What’s happening in the multi-billion pound construction industry?
5. Will the WHO use Coronavirus to force use to stop using cash?
6. Surge in demand for real currency such as Gold and Silver
7. 10 things you can do to thrive during Covid 19 isolation
8. Learn about investing in property beforebuying anything!
UK Government Business Support Helpline (England)Telephone: 0300 456 3565
Monday to Friday, 9am to 6pm
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
Quit the rat race and retire early
You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income.
Learn how to make money on Amazon
Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform.
If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Tough lockdown measures on way as people ignore ‘stay home’ advice
COBRA meeting today, as Coronavirus Bill, to give government far reaching new powers, is being debated in Parliament.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Government will vote in new powers to enforce lockdown
2. Announcement expected by Boris Johnson on more help for self-employed
3. 10 things you can do to thrive during Covid 19 isolation
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
10 things you can do to thrive during Covid 19 isolation
Instead of letting the Coronavirus get you down, use your time creatively to thrive, not just survive during your self-isolation period.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Ten tips to stay on top of thing during isolation…
2. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Coronavirus - UK Government to pay up to 80% of workers' wages to prevent mass unemployment and hardship
In an “unprecedented” move, the Chancellor Rishi Sunak today announced measures to rescue workers and business by paying 80% of wages for employees unable to work due to the coronavirus pandemic, up to a maximum of £2,500 a month.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Pubs, restaurants and leisure faculties ordered to close tonight until further notice
2. Government to cover 80% of wages for employees unable to work due to virus
3. VAT, Business Rates and Self-Assessment holiday announced to help businesses
4. Landlords feel the pinch as tenants renegotiate rents and payment terms
5. Dividend delay cost investors over £600 million as companies hoard cash
6. UK base rates cut to record 0.1% the lowest since BoE started in 1694!
7. Investors pile into cash and Government Bonds and out of equities
8. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Bank of England cuts base rates to record low 0.1% to fight Corona financial crisis
MP’s describe the Coronavirus as the biggest crisis the UK has faced in 100 years.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. UK base rates cut to 0.1% in attempt to halt sliding pound and shore up markets
2. Cheaper rate not being passed on to all mortgage borrowers
3. More measures could be announced to help employers and employees
4. Panic buying increases as London anticipates lockdown and Army move in
5. Property funds suspend trading due to Coronavirus crisis and bankruptcies
6. China getting back to normal but is Wuhan Coronavirus free?
7. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Troops on the streets of London…surely not?
Army and tanks on the move as Londoners brace themselves for an enforced lockdown
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. London will be in lockdown soon, as Army move into position
2. Government order Schools closure this Friday
3. Private tenants to get emergency protection from eviction
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Government's print billions £$ to rescue economies
Yesterday’s Federal Reserve emergency rate cut to zero and $700 billion failed to prevent another market slide, so more money is being printed by central banks around the world to prevent a recession and economic meltdown…
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. UK and US both pump billions to stop market collapse
2. 3-month mortgage holiday announce by UK Chancellor Rishi Sunak
3. Markets recover today but still well down on week and month
4. Pandemonium in shops as people stock up for forced quarantine
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Federal Reserve emergency rate cut and $700 billion fails to prevent another market slide as Dow Jones tumble 13% today wiping billions off share prices
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets crash again around the world as Fed rate cut to zero fails to halt slide
2. Markets have fallen by 30% in a month and could decline further
3. Has bear run started with Coronavirus spreading out of control
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Money Tips Weekly Update as stock markets suffer worst week since 1987
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets recover but still over 20% down on recent peak
2. Federal Reserve pumps billions to prop up markets
3. Will markets get worse before they get better?
4. Yesterday’s borrow and spend UK Budget does little to calm markets
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Stock markets crash in worst day since 1987
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets crash around the world after Donald Trump bans flights from Europe
2. FTSE loses £160 billion ending the day on 5237 - 30% lower than a month ago
3. Yesterday’s borrow and spend UK Budget does little to calm markets
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Money Tips Budget Special – New Chancellor in £30 billion Splash the Cash Giveaway
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. £30 billion to stimulate the economy following .5% base rate cut
2. Tax cuts for millions as NI thresholds increased to £9500 from April
3. Billions pledged for infrastructure projects in the North and Regions
4. 2% Stamp Duty Surcharge for foreign property buyers
5. £12 billion available to build affordable homes
6. Government will set up a fund to deal with dangerous cladding
7. More bank finance to be made available for business expansion
8. Business Rate relief for small businesses and more R&D spending
9. 50,000 more nurses promised for NHS alongside UK Visa changes
10. Borrow and spend budget will lift future growth and jobs say OBR
11. Learn about investing in property before buying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
The return of residential interest only mortgages
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Interest-only residential mortgages making a comeback?
2. Lenders offering interest-only mortgages to high earners
3. How I saved a fortune and acquired an asset by borrowing more
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Global stock markets in more turmoil as billions wiped off shares today
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Markets in freefall as trading suspended on NYSE
2. Global markets suffer worst day since 2008 financial crisis
3. Oil prices drop 30% in one day in Saudi-Russia trade war
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
How to build up a passive income outside your job trading time for money
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Stock markets tumble again losing billions and wiping out earlier gains
2. Second UK Coronavirus death confirmed as millions worry about their jobs
3. The only way to be secure in a crisis like this is to have a passive income
4. Pensions or property – which is best?
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Sub Prime Lender Share Price Slides As Founder Quits After Boardroom Bust-Up
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Threats are always on the horizon for us, companies and countries
2. Amigo founder James Benamor accuses company of "committing slow-motion suicide"
3. Amigo accused of lending to people with poor credit who cannot afford loan repayments
4. First UK Coronavirus fatality reported, as Airline goes bust as UK travel slows down
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
There will always be threats - how prepared are you?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Threats are always on the horizon for us, companies and countries
2. S.W.O.T. Strengths, weaknesses, opportunities and threats
3. Have you carried out your own S.W.O.T. Analysis?
4. What is your disaster management plan?
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
US stocks tumble as Fed cuts interest rates
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. US Stock markets tumble wiping out Monday’s record gains
2. Dow Jones Dow 2.8% wiping billions of dollars off the value of top companies
3. US 10-year Treasury Bond yield falls below 1% for first time ever
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Shares bounce despite more bad news
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Stock markets bounce back despite OECD downgraded growth forecast
2. Dow Jones up 5% or 900 points after one of the worst weeks ever
3. FTSE100 down 15% since start of the year
4. Stock market crash will hit pensions
5. UK “business as usual”, says Boris
6. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Billions wiped off share values of companies as Coronavirus panic spreads
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Stock markets around the world suffer further falls
-
Dow Jones hit by record falls as Fed promises action
-
FTSE100 drops £200 billion in a week
-
Bond yields at record lows which will hit pensions
-
Learn about investing in property before buying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Broadband providers charging customers to keep email accounts when switching
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Broadband providers charging customers who switch providers to keep email
2. BBC Moneybox investigate Sky, BT, Talk Talk and Virgin
3. Ofcom will take again against providers
4. What can you do to avoid being trapped?
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Markets tumble around the world as Coronavirus spreads
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Stock markets lose billions as virus spreads to Europe and beyond
2. What are your rights if you cancel your holiday due to virus?
3. UK Banks to close branches and shed thousands of jobs
4. AI will wipe out millions of jobs, what’s your plan?
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Government to Launch New Scheme To Protect Homeowners Against Shoddy Builders
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. New body to be created with powers to ban rogue developers from building new houses
2. Compensation will be available to those stuck in "shoddy" new-builds
3. Why aren’t ALL builders regulated and controlled?
4. Watch out for new build dodgy leases and charges
5. The Home Builders Federation's (HBF) report a rise in the percentage of customers reporting snags from 93% in 2015 to 99% in 2018
6. Grenfell cladding scandal thousands of homeowners with worthless flats
7. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
FTSE 100 stock market suffers biggest drop in four years
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Billions wiped off markets around the world as Coronavirus spreads
2. Gold and Silver prices leap 3% in one day as investors seeks safe haven
3. New UK Chancellor Rishi Sunak hints at lighter touch on IR35
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
One in four buy-to-let landlords plan to sell property in the next 12 months
500,000 buy-to-let landlords in the UK want to sell up due to punitive tax hikes and red tape.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. EU migrants will have to qualify under points system to work in the UK after January 2021
2. 500,000 buy-to-let landlords and property investors UK plan to sell in 12 months
3. Taxes such as 3% stamp duty surcharge and removal of tax reliefs deter investors
4. Landlord tax grab will start to bite after April particularly for higher rate taxpayers
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
How will new points-based immigration system affect the UK economy?
The government are introducing a new immigration system to include post-Brexit EU migrants coming to work the UK.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. EU migrants will have to qualify under points system to work in the UK after January 2021
2. Minimum salary, skill level and English language ability applied to EU migrants
3. 180,000 more people in UK employment which stands at a record 32 million
4. 8.4 million 16-65 year old’s ‘economically inactive’ says Home Secretary
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Real wages rise for the first time since financial crisis
Average weekly incomes, adjusted for inflation have gone up for the first time in 12 years.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Wages have remained flat and even decreased in real terms since 2008 crash
2. Average income - £511 per week - increased by 3% in final quarter of 2019
3. 180,000 more people in employment which stands at a record 32 million
4. 32 million working supporting 20m on state benefits and pensions
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Has six-jobs Osborne’s tax hike killed the buy-to-let property market in the UK?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. One in four buy-to-let landlords planning to sell in 2020
2. 231,000 less buy-to-let property investors than 7 years ago
3. Tax hike will start to bite after April 2020
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors take advantage of creative finance ‘no money down’ tools in order to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Free property investment taster day
Before you any property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup – Sterling rises against Euro
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Sterling rises against Euro
2. Never change currency at an airport
3. UK housing market showing signs of recovery
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK housing market in New Year bounce
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. UK housing market showing signs of recovery
2. Estate Agents report 2018 as their worst year ever
3. Repossession of homes soar by 17%
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
EU Brexit Negotiations Continue as 2.7 million apply for UK settled status
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. EU Brexit negotiations will continue until October
2. Any deal needs to be ratified by EU
3. Investment still pouring into the UK
4. UK fishing waters to be restored
5. EU citizens rights guaranteed 2.7 million apply for settled status
6. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Challenger bank to shut all UK accounts
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Challenger bank N26 to shut all UK accounts
2. Are shadow banks threatening economic stability?
3. UK government gives final go ahead to £85 billion HS2
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Is deposit free renting a tenant fee in disguise?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Tenants getting a poor deal from some agents
2. Deposit free renting schemes look like illegal tenant fees
3. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. One week since Brexit day
2. Corona virus spreads as China-Trump Trade War cools
3. Property prices and activity up as confidence returns to the UK market
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
People still keeping cash under the mattress, according to leading insurer.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. One in eight over 50’s stash cash in their house, Sun Life says
2. If you do hoard cash why not consider gold or silver coins?
3. Quarter of UK couples uncomfortable discussing money – get a review
4. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Simple tip to save money and help the planet
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. This simple tip will save you money and help the environment!
2. UK to ban new petrol and diesel cars from 2035, but is that the only answer?
3. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Tesla Shares Soar 20% in one day
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Tesla Shares Soar 20% on Monday on profit forecast and are up 85% on the year
2. UK to ban new petrol and diesel cars from 2035 – in 15 years
3. IKEA closes first UK store and retail sector continues to contract
4. Seen any food or medicine shortages lately?
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Tips to avoid missing those tax filing deadlines and automatic HMRC penalties.
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. One million people miss online tax return deadline and risk an automatic fine of £100
2. 700,000 returns filed on 31 January – the last day to avoid an HMRC penalty
3. Tips to get your tax return filed in advance and avoid last minute stress
4. Corona virus hits China’s economy and central bank prepares to inject billions
5. City regulator FCA asks credit card providers to go easy on persistent debtors
6. Life gets back to normal following UK’s EU exit 3 years after referendum
7. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
House price growth soars to 14-month high
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. UK house prices rose at fastest annual rate – 1.9% - in January for 14 months say Nationwide
2. Could be pent-up demand following the clear general election result and Brexit 31 Jan 20
3. Prices up 0.5% on December, however, Nationwide, expects house prices to be flat in 2020
4. Nationwide valued the average UK home at £215,897 which is still too high for many FTB’s
5. Zoopla showed cities outside the south of England saw the biggest rises in prices in 2019
6. Annual price growth was 6.1% in Edinburgh in December 2019 and Nottingham at 5.2%
7. Bank of England monetary committee voted by 7 to 2 to keep UK base rates at 0.75%
8. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using creative finance ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
When is a property freehold not worth the paper it’s written on?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Beware, as not all freeholds are the same and some may be un-mortgageable
2. Always use a solicitor, especially when buying at auction, to check title
3. New build freehold properties may include an onerous ‘rentcharge’
4. Management companies can repossess your property for unpaid rent charge
5. Learn about investing in property beforebuying anything!
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Quick sale property agents under fire from Trading Standards
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Quick sale ‘property rescue’ agents under scrutiny by Trading Standards
2. Be careful when selling your property “fast” as you will get a lower price
3. Estate Agents should be a regulated market as it is in America
4. UK awards 5G contract to Huawei
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
You don't make a billion you take a billion by paying slave wages
Is this statement made by an American politician accurate?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Do all billionaires make their money paying “slave wages”, as per Alexandria Ocasio-Cortez?
-
Bill Gates and Henry Ford paid higher than average wages and made a lot of people rich
-
The rich in the UK pay millions in taxes – David Beckham, JK Rowling and Sir James Dyson
-
Top 1% of UK earners pay 28% of all income taxes
-
Taxes are necessary and should be fair
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
One week to go until Brexit Day 31 January 2020
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. On 31 January 2020 at 11pm the UK will leave the European Union after 47 years
2. How will we prosper and what will the UK look like in the 50 years time outside the EU?
3. What was Britain like in 1973 when it joined the European Communities (EC)
4. Prices were lower, we had many industries and a greater standing in the world
5. ECB is now spending 20 billion Euros a month buying bonds or printing money (OPM)
6. Over 3 million EU born citizens now live in the UK, most will settle here after Brexit
7. Britain will prosper, but tough times lie ahead with US trade negotiations
See also my YouTube Channel: Will house prices rise or fall in 2020?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
It's never too late to start investing as Elon Musk of Tesla has proved
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Tesla overtakes Volkswagen to become the world’s second largest car manufacturer
2. People who say “it can’t be done nowadays” or “it was alright in your day” are wrong!
3. Most valuable companies, Apple, Microsoft, Amazon are relatively new to the market
4. Never too late for you to get started investing in property, e.g. to build a pension
5. Contact me if you want to get started in property using none of your own money
See also my YouTube Channel: Will house prices rise or fall in 2020?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Bankruptcy - what it means to you?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Bankruptcy will wipe the slate clean but can also blight your life
2. Bankruptcy is not the only option to get out of debt and should be a last resort?
3. Always seek independent profession advice from Citizens Advice and other charities
4. Always protect your credit rating and obtain a copy of your credit file
See also my YouTube Channel: Will house prices rise or fall in 2020?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
How to find the cheapest place to buy or rent property in the UK
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Easy way to check the cheapest areas to rent or buy property in the UK
2. Experts predict prices rises but figures will vary from place to place
3. Learn how you can build a property portfolio using none of your own money
See also my YouTube Channel: Will house prices rise or fall in 2020?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Will house prices rise or fall in 2020?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
1. Will property rise or fall this year?
2. Find out what the experts are forecasting for the UK property market
3. Learn how you can build a property portfolio using none of your own money
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup 17 January 2020
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
Quick Fire Money Tips to Beat the January Blues
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Manage the longest payday gap from Christmas until the end of January
-
Make a plan to slash your credit card debt this year and the next
-
Credit card bills dropping onto your doormat – open the envelope!
-
Use interest free credit card switch deals to give you breathing space
-
Plan to pay off the balance before end of interest free period if possible
-
Always arrange a small overdraft facility with your bank just in case
-
Check your account, savings and ISA’s for best rates
-
Switch bank accounts and receive up to £175
-
Self-assessment deadline 31st of January
-
Buy travel insurance when you BOOK holidays and flights
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Change your habits change your life
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Millions of people join the local gym in January, but many will quit within a few months. People also try to get their finances in order at the start of the new year, but soon drift back to their old ways of spending on consumer goods and maxing out their credit cards.
In this Money Tips Podcast episode:
-
It’s the things you do every day count not a few weeks of exercise or a crash diet
-
Money management is a lifelong process just like living a healthier lifestyle.
-
Learn money management using practical tools like the 3Rs of Money Management
-
Learn how to become a S.M.A.R.T Money Manager
-
Financial education is the key to financial freedom and happiness
Money management
In my book, Yes, Money Can Buy You Happiness, I teach money management using practical tools like the 3Rs of Money Managementand show you how to become a S.M.A.R.T Money Manager.
S.M.A.R.T Money Manager
S – Spend wisely avoiding expensive consumer debt
M – Manage and respect money and make informed decisions
A – Accumulate wealth over time taking the long-term perspective
R – Review finances on a regular basis and make appropriate changes
T - Track income and expenditure on a daily or weekly basis
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Banks to charge 40% for overdraft – 50 times the UK base rate of .75%
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Banks will start charging 40% for an unauthorised and authorised overdraft
-
LIBOR London Interbank lending rate stands at just 1.96% for 1 year
-
Banks borrow from us at .25% and less in many cases
-
Credit cards and debt pushed on to young customers
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Mindful spending – do I really need this right now?
-
Build your own savings buffer instead of using cards
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Important news for property landlords, tenants and investors
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Renters’ Reform Bill
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Scrap section 21 no fault evictions
-
Database of “rogue landlords”
-
Lifetime deposit scheme
-
Law Commssion disappoint on Leasehold reform
-
Why you should never let your lease fall below 80 years
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup 10 January 2020
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
Day 36 Of French National Strike Highlights Pensions Timebomb Facing Western Governments
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
French workers strike for pension rights government’s can no longer afford
-
Learn to cook and eat fresh food to save a fortune and feel better
-
Spring clean direct debits for memberships you no longer want
-
Banks warned to stop short-changing loyal savers
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Food And Eating Well Impacts Your Life As Well As Your Pocket
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Eating fresh home cooked food is cheaper as well as healthier
-
Look at price per kilo rather than just the ticket price
-
Shop a budget supermarkets and pick up bargains by shopping late
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfoliosin a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Iran Launches Rocket Attack on US Troops in Iraq
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
How will Iran’s revenge attack impact markets?
-
Central backs to print billions of dollars to boost economy
-
An attitude of gratitude really does have an impact on your life
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfoliosin a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup Iranian General Killed By US
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In Money Tips this week:
What was the best performing share – whose rose by 3200% – in the FTSE 100 index over the past decade?
What was the best performing share - whose rose by 3200% - in the FTSE 100 index over the past decade? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: ...
Same Destination Different Journey
So this is Christmas What have we done? Another year over And a new one just begun John Lennon By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Allowing time to reach your goal ...
If you make one new year’s resolution make it this…
If you make one new year’s resolution make it this… By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Learn to manage your money Start a spreadsheet or money app...
Top Business Stories 2019 – Weekly Money Tips News Roundup 27 Dec 2019
Top Business Stories 2019 - Weekly Money Tips News Roundup Top stories of 2019: Boeing 737 Max disaster China Trump Trade War General Election Victory for Boris Johnson and MP’s back plan to leave the EU on 31 January 2020 Other articles at www.moneytipsdaily.com In Money Tips...
How will Brexit affect the UK economy?
How will Brexit affect the UK economy? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: UK has a bright post-Brexit future, new report reveals S. economy remains strong while...
What was the best performing share - whose rose by 3200% - in the FTSE 100 index over the past decade?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
JD Sports shares rose by 3200% since 2010
-
Rightmove, Barratts and Persimmon also soared
-
A decade of change and disruption
-
Learn to manage your money
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Same Destination Different Journey
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Allowing time to reach your goal
-
Time flies faster every year so use it wisely
-
People overestimate what they can achieve in a year and underestimate what they can achieve in a decade
-
Enjoy the journey
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
End of a Decade Moving into 2020
If you make one new year’s resolution make it this…
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
A decade of change and disruption
-
Learn to manage your money
-
Start a spreadsheet or money app and record everything that comes in and goes out
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you make one new year’s resolution make it this…
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Learn to manage your money
-
Start a spreadsheet or money app and record everything that comes in and goes out
-
Hold regular ‘board’ meetings with your family or financial advisers and review finances
-
Plan ahead for the next month, quarter or year and set financial goals to improve your life
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Top Business Stories 2019 - Weekly Money Tips News Roundup
Top stories of 2019:
· Boeing 737 Max disaster
· China Trump Trade War
· General Election Victory for Boris Johnson and MP’s back plan to leave the EU on 31 January 2020
Other articles at www.moneytipsdaily.com
In Money Tips in the past weeks:
How will Brexit affect the UK economy?
New report looks at how Brexit will benefit the UK economy? In this Money Tips Podcast episode: UK has a bright post-Brexit future; new report reveals….economy remains strong while...
Top 10 Christmas Money Saving Tips
In this Money Tips Podcast episode: Plan Christmas within your budget Don’t borrow on expensive credit cards and store cards Call...
World Economy 3% Growth In 2020 Economists Forecast
In this Money Tips Podcast episode: World Economy 3% Growth Economists Forecast next year as markets soar China will...
UK House Prices Set To Rise Experts Predict
In this Money Tips Podcast episode: Experts forecast a 2% rise in property prices as confidence returns Boris Johnson’s landslide...
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
Get on the super highway to financial freedom
The traditional method used by 95% of property investors is the slow road to financial freedom.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
How will Brexit affect the UK economy?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
UK has a bright post-brexit future, new report reveals
-
U.S. economy remains strong while China weakens, and India booms
-
Boris Johnson has the majority vote to take the UK out of the EU on 31 January
-
Pound buys you 11% more travel money than this time last year
-
Which are the top ten economies?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Merry Christmas to all my listeners and followers on Facebook and Intsagram!
10 Christmas Money Saving Tips
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Plan Christmas within your budget
-
Don’t borrow on expensive credit cards and store cards
-
Call a truce on expensive and extravagant gifts and give fun presents
-
Plan ahead and shop early for gifts and travel
-
Defer buying until boxing day sales
-
Find the best deals online e.g. on ebay
-
Earn credit card cashback of up to 5% on presents
-
Make a list and stick to it
-
Avoid impulse purchases
-
Save for Christmas instead of getting into debt
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
10 Christmas Money Saving Tips
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
-
Plan Christmas within your budget
-
Don’t borrow on expensive credit cards and store cards
-
Call a truce on expensive and extravagant gifts and give fun presents
-
Plan ahead and shop early for gifts and travel
-
Defer buying until boxing day sales
-
Find the best deals online e.g. on ebay
-
Earn credit card cashback of up to 5% on presents
-
Make a list and stick to it
-
Avoid impulse purchases
-
Save for Christmas instead of getting into debt
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
In Money Tips this week:
Britain’s Best Paid Boss Is A Woman, It’s Not The Queen, So Who Is She?
Britain’s Best Paid Boss Is A Woman Who Is She? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: UK’s highest paid executive is Bet 365’s Denise Coates earned £320m ...
Overcharged borrowers trapped in high interest rate mortgages to sue lenders
Overcharged borrowers trapped in high interest rate mortgages take legal action against greedy lenders By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Mortgage borrowers "unfairly trapped" on high interest...
World Economy 3% Growth In 2020 Economists Forecast
World Economy 3% Growth In 2020 Economists Forecast By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: World Economy 3% Growth Economists Forecast next year as markets soar China will...
UK House Prices Set To Rise Experts Predict
House Prices Set To Rise Experts Predict By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Experts forecast a 2% rise in property prices as confidence returns Boris Johnson’s landslide...
Other Financial News
· Andrew Bailey named as new Governor of the Bank of England
· The Bank of England kept interest rates on hold at 0.75% but could cut the cost of borrowing if global economic growth fails to recover or ‘no deal’ Brexit uncertainties continue
· MP’s vote to back Johnson’s plan to leave the EU on 31 January 2020
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first property, take time out to learn proven successful strategies from expert multi-millionaire property investors registering on a free taster ‘property discovery day’.
Get on the super highway to financial freedom
The traditional method used by 95% of property investors is the slow road to financial freedom.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
Britain’s Best Paid Boss Is A Woman - And It's Not The Queen - Who Is She?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· UK’s highest paid executive is Bet 365’s Denise Coates earned £320m
· Denise Coates turned her father’s betting business into an online money spinner
· Queens speech outlines government’s agenda with new points-based immigration system
· Learn to Manage Your Money yourself and build wealth
· Learn more on free ‘property discovery day’
· UK house prices set to rise by 2% in 2020
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Overcharged borrowers trapped in high interest rate mortgages to sue lenders
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Mortgage borrowers "unfairly trapped" on high interest rates when their lenders were nationalised following the banking crisis will launch legal action against the companies
· Some 150,000 homeowners have been overcharged for years, unable to switch to a cheaper deal after their mortgages were sold on and mortgage market review trapped them
· One man says he paid an extra £32,000 on higher “Standard Rate Variable” loan
· The Government said it was working to "remove barriers" to cheaper deals
· Mortgages in the UK are unfair to borrowers and banks need reforming
· Housing crisis not only affecting young people wanting to buy or rent
· Learn to Manage Your Money yourself and build wealth
· Learn more on free ‘property discovery day’
· UK house prices set to rise by 2% in 2020
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
World Economy 3% Growth Economists Forecast next year as markets soar
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· China will grow by 6%, US and UK forecast is 2% as China trade war calms
· World economy will grow by 3.5% according to PWC
· Learn to Manage Your Money yourself and build wealth
· Learn more on free ‘property discovery day’
· UK house prices set to rise by 2% in 2020
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
House Prices Set To Rise Experts Predict
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Experts forecast a 2% rise in property prices as confidence returns
· Boris Johnson’s landslide election win will see billions pumped into UK economy
· Learn to Manage Your Money yourself and build wealth
· Learn more on free ‘property discovery day’
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Boris Johnson wins historic UK election - Weekly Money Tips News Roundup
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In Money Tips this week:
Boris wins historic general election with overall majority…
Investors pull millions from UK property fund
Investors pull millions from UK property fund By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Millions withdrawn from M&G property fund Withdrawals suspended as 91 properties cannot be sold...
Read financial agreements before you sign them
Read financial agreements before you sign them By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. Yesterday I asked, Are we richer or poorer than in past? In this Money Tips Podcast episode: 90% of new cars...
UK wealth per adult increased by 41% since 2008 crash
UK wealth per adult increased by 41% since 2008 crash By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. Yesterday I asked, Are we richer or poorer than in past? In this Money Tips Podcast episode: Global...
Are we richer or poorer than in past?
Are we richer or poorer than in past? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Global wealth grew by 2.6% to $360 trillion last year Credit Suisse report...
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
Investors pull millions from UK property fund
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Millions withdrawn from M&G property fund
· Withdrawals suspended as 91 properties cannot be sold overnight
· Learn to Manage Your Money yourself and build wealth
· Learn more on free ‘property discovery day’
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Read financial agreements before you sign them
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Yesterday I asked, Are we richer or poorer than in past?
In this Money Tips Podcast episode:
· 90% of new cars and 40% of used cars are purchased with finance
· Always read financial agreements before you sign them
· Only sign credit agreements you fully understand
· Avoid buying depreciating goods – cars, TV’s, Games – on high interest finance
· Learn to Manage Your Money and Build Wealth
· Learn more on free ‘property discovery day’
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK wealth per adult increased by 41% since 2008 crash
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Yesterday I asked, Are we richer or poorer than in past?
In this Money Tips Podcast episode:
· Global wealth grew by 2.6% to $360 trillion last year Credit Suisse report reveals
· Average wealth in GBP has risen every year since 2008 and is now 41% above its 2007 level
· UK has 2.5 million USD millionaires, representing 5% of all millionaires globally
· Half of the UK adult population has wealth exceeding $100,000
· 47 million millionaires worldwide and 18 million in the US
· Learn to Manage Your Money and Build Wealth
· Learn more on free ‘property discovery day’
Average wealth in GBP has risen every year since 2008 and is now 41% above its 2007 level
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Are we richer or poorer than in past?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Global wealth grew by 2.6% to $360 trillion last year Credit Suisse report reveals
· Average wealth in GBP has risen every year since 2008 and is now 41% above its 2007 level
· 47 million millionaires worldwide and $280,000 average wealth per UK adult
· Learn to Manage Your Money and Build Wealth
· Learn more on free ‘property discovery day’
UK wealth per adult up 13%
“The United Kingdom had a difficult year immediately after the vote to leave the European Union in the 2016 Brexit referendum. Both the exchange rate and the stock market fell sharply. Nevertheless, over 2017 and 2018, wealth per adult rose 13% in USD terms and 21% in GBP terms.” Source: Credit Suisse 2019 Global Report
Average wealth in GBP has risen every year since 2008 and is now 41% above its 2007 level
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In Money Tips this week:
Child Benefit Clawed Back by HMRC After Worker’s Salary Hit £50000 pa
HSBC Customers to get Refunds of Overdraft Fees
UK House Price Growth Falls Below 1% pa Nationwide Survey Reveals
Earn 25% Tax Free Bonus with a Lifetime ISA
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
Get on the super highway to financial freedom
The traditional method used by 95% of property investors is the slow road to financial freedom.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
Register For Your Complimentary Ticket
Email me now if you are able to take one of these places, but only email if you can keep these dates free as these tickets are very valuable.
Message me your details or drop me an email – charles@charleskelly.net
More Articles at www.moneytipsdaily.com
Child Benefit Clawed Back by HMRC After Worker’s Salary Hit £50000 pa
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Worker’s extra overtime backfires when HMRC hit’s him with £8000 tax bill
· If you or your partner earn more than £50,000 you may not claim child benefit
· If in doubt, phone the Child Benefit Office on 0300 200 3100
· Learn to Manage Your Money and Build Wealth
· Learn more on free ‘property discovery day’
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
HSBC Customers to get Refunds of Overdraft Fees
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· HSBC and Santander Customers set for Refunds of Unauthorised Overdraft Fees
· M&G Suspends Withdrawals from UK’s Biggest Property Fund
· Learn to Manage Your Money and Build Wealth
· Learn more about a free ‘property discovery day’
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK House Price Growth Falls Below 1% pa Nationwide Survey Reveals
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Average UK houses prices grew by 0.08% in the year to November 2019
· Prices have fallen by more than 10% since 2014, more in London
· New build and help-to-buy has inflated average prices
· Lifetime ISA (LISA) can help with 25% bonus
· Long term demand remains for UK property
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Earn 25% Tax Free Bonus with a Lifetime ISA
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· 25% Bonus added to monthly contribution up to maximum £4000 per year
· Can be used for first time residential property purchase or for retirement
· Lifetime ISA (LISA) available between ages 18 to 40
· Always seek independent financial advice
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Is Black Friday a Load of Old Hype?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Buy things you need not just because they’re a ‘bargain’
· Black Friday Hype or genuine bargains?
· Last chance to get Help to Buy Isa
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
FCA Bans Mini Bond Marketing to Savers
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· FCA bans Mini-Bond marketing to non-sophisticated investors
· Company with license to print money in trouble
· Net migration falls, property prices slow
· Last chance to get Help to buy Isa
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Famous Model Declared Bankrupt
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Manage your own money even if your employ an accountant
· Always check and understand forms you sign, especially tax returns
· Pay your tax bills before spending on luxuries
· Choose life and business partners wisely
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Last Chance to Open Help to Buy ISA and Qualify for 25% Tax Free Government Bonus
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Help to Buy ISA ends 30 November 2019
· Must be over 16 and a first-time-buyer to qualify for bonus
· Open now to qualify for 25% tax free government bonus towards property purchase
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Uber Lose London License Again
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Transport for London revoke Uber License
· Property prices fall during election
· Why Yo Sushi is worth millions
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In Money Tips this week
Are Algorithms Running Our Lives?
Are Algorithms Running Our Lives? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: What are algorithms? How algorithms decide everything from insurance premiums to credit card limits? How to...
Short-term loan probe by FCA financial regulator
Short-term loan probe by FCA financial regulator By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Where to get cheaper credit and advice FCA investigate Pawnbroker short-term loans How to...
Do We Pay Too Much Tax In The UK?
Do We Pay Too Much Tax In The UK? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: How do we compare to the rest of Europe? Which European countries...
Kylie Jenner Sells Beauty Business For $600m
Kylie Jenner Sells Beauty Business for $600m By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. Kylie Jenner has sold a 51% majority stake in her cosmetics company for $600 million to Coty. The 22-year-old's brand, including...
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
Register For Your Complimentary Ticket
Email me now if you are able to take one of these places, but only email if you can keep these dates free as these tickets are very valuable.
Are Algorithms Running Our Lives?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· What are algorithms?
· How algorithms decide everything from insurance premiums to credit card limits?
· How to avoid being placed on an insurance fraud register.
What is an algorithm?
An Algorithm a process or set of rules to be followed in calculations or other problem-solving operations, especially by a computer.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Short-term loan probe by FCA financial regulator
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· Where to get cheaper credit and advice
· FCA investigate Pawnbroker short-term loans
· How to avoid using expensive credit and payday lenders
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Do We Pay Too Much Tax In The UK?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this Money Tips Podcast episode:
· How do we compare to the rest of Europe?
· Which European countries levy the highest rates of income tax for middle earners?
· How much can you earn before you start paying tax?
· How can you reduce your tax bill?
UK Income Tax Rates
Income up to £12,500 - 0% income tax. This is your personal tax-free allowance.
Income between £12,501 and £50,000 - 20% income tax.
Income between £50,001 and £150,000 - 40% income tax.
Income above £150,001 - 45% income tax.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Kylie Jenner Sells Beauty Business for $600m
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Kylie Jenner has sold a 51% majority stake in her cosmetics company for $600 million to Coty.
The 22-year-old's brand, including Kylie Cosmetics and Kylie Skin, will be controlled by beauty giant Coty.
Forbes said Jenner, who started the company in 2015 from her kitchen table when she was just 18 years old, made $360 million in sales in 2018, making her the youngest self-made billionaire ever.
She has 151 million followers on her personal Instagram account 22 million on her Kylie cosmetics account.
Also in this Money Tips Podcast episode:
· Direct investments and loans through peer-to-peer and crowdfunding platforms pay higher interest but carry a far higher risk than bank deposit investments.
· Investors in Signature Living hotel group demand their money back.
· Should estate agents be regulated and licensed?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money Tips News Roundup 15 November 2019
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a Free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In Money Tips this week
Invest in things you understand rather than following the herd
Invest in things you understand rather than following the herd By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Only invest in things you understand Don’t just follow fads and...
We have more free time than ever so why are we so busy?
We have more free time than ever so why are we so busy? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. With all of the technology and mechanisation of household chores, we actually have more...
Working in the UK – British Job Market Facts
UK Job Market Facts By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: How large is UK job market? How many are self-employed? How many are on zero-hour contracts? What...
Protect your credit rating at all cost
Protect your credit rating at all cost By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this podcast episode you will learn: How to obtain a copy of your credit file How to protect credit...
Invest in things you understand rather than following the herd
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
With all of the technology and mechanisation of household chores, we actually have more leisure and free time than ever before, so why is it that we are always so “busy”?
In this Money Tips Podcast episode:
· Only invest in things you understand
· Don’t just follow fads and trends for the sake of it
· Google to launch bank accounts
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
We have more free time than ever so why are we so busy?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
With all of the technology and mechanisation of household chores, we actually have more leisure and free time than ever before, so why is it that we are always so “busy”?
In this Money Tips Podcast episode:
· How many hours are there in a week?
· How many hours do you spend at work?
· How many hours do you spend sleeping?
· How many hours do you have free?
· How many hours do you spend on social media or watch TV?
· How many hours could you spend improving yourself and your future?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Job Market Facts
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
· How large is UK job market?
· How many are self-employed?
· How many are on zero-hour contracts?
· What are the trends for working hours, pay and older workers?
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook
Protect your credit rating at all cost
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
· How to obtain a copy of your credit file
· How to protect credit rating
· How to improve your credit score.
· How to avoid adverse credit scores, CCJ’s and Defaults
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money News Round Up
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In the news this week:
7 Tips for Student Landlords as NUS Slams Buy-to-Let Investors
Are HMO’s Finished?
High Street Meltdown Continues As More Stores Close
UK Student Accommodation Sector in Trouble as Minister Intervenes
How to Use Creative Property Financing to Beat the Banks
Brexit Property Effect – Invest or Wait?
Get on the super highway to financial freedom
The traditional method used by 95% of property investors is the slow road to financial freedom.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
Register For Your Complimentary Ticket
Email me now if you are able to take one of these places, but only email if you can keep these dates free as these tickets are very valuable.
P.S Here’s what you’re going to learn:
- Crowdfunding
- Raising finance
- Rent-to-Rent to Build Cashflow FAST
- Financing new developments and Joint venturing
- How to find investors and how to structure deals
- The risk, due diligence and security of responsibility that comes with investors
- SSAS and SIPP’s lending to unlock your pension to buy property
- AND MUCH MORE!!
During the two days you'll learn the tried and tested tips and tricks of creatively raising property finance. You’ll also network with like-minded individuals and discover the proven methods our expert property trainers have used to build multi-million pound property portfolios.
So make sure you act now and register below to get your hands on a ticket, act fast as these will go quick!
Message me your details or drop me an email – charles@charleskelly.net
7 Tips for Student Landlords as NUS Slams Buy-to-Let Investors
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Student landlords have been accused of cheating students by making unfair deposit deductions and not registering deposits with the deposit protection scheme.
A survey by the NUS, Homes Fit For Study, showed that just 61% of students have their deposits returned in full, with 27% formally challenging landlord deductions.
7 Tips for Landlords:
-
Use an inventory company
-
Make sure your property is clean and presentable from the start
-
Maintain your property to a high standard throughout the tenancy
-
Tenants Fees Act came into force in 2019 so follow the rule or risk a fine.
-
Deposits must be registered with the government-backed Tenancy Deposit Scheme
-
Student letting is a specialised area and you should learn how to do it properly and professionally
-
Corporate landlords are out to eat your lunch and will take the best tenants.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Are HMO’s Finished?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
With the growing number of upmarket co-living spaces being built for young professionals, in this episode we examine whether or not the traditional HMO (Houses in Multiple Occupation) model is becoming redundant.
Can you afford to retire?
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
High Street Meltdown More Stores Fail
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
The once mighty Mothercare chain has become the latest casualty in the British High Street meltdown which has seen thousands of shops close this year.
Use them or lose them
The choice is simple. You can either shop in High Street stores or continue to buy from Amazon and see those stores close. Remember that Amazon pays very little tax in the UK compare to the retail sector. Even if we save a few pounds buying online, we will all be losing out in the long run.
McDonald’s British-born Chief Executive is pushed out of $12 million job after falling foul of the company’s “non-fraternisation” policy. I guess she’s worth it!
Ryanair demonstrate how small additional charges and extras can add up to over £7 million in profits. Think about that for your business.
McDonald’s has 38,000 restaurants worldwide, but 93% of them are franchises. In other words, they have used other people’s money to expand their business and control rather than own the multi-billion dollar chain of restaurants.
Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy?
You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Student Accommodation Sector in Trouble
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
The Universities Minister laid down a warning to a summit of student-accommodation providers to sort out the "awful and disappointing" problems that have seen more than 20 student housing schemes not completed on time, the BBC reports.
Private landlords have been increasingly undermined by the government which has favoured large corporate landlords with tax breaks denied to the smaller student accommodation providers.
Buy-to-let investors have been quitting the market in droves since punitive property tax measures were introduced by the former chancellor George Osborne. Some estate agents claim that Osborne’s landlord tax grab, combined with the 2016 Brexit vote, has effectively killed off the buy-to-let property market, with prices in some areas falling by over 20%.
However, plummeting property prices have created buying opportunities, especially among distressed and disgruntled landlords fed up with being treated like second class citizens.
Even property investors I meet who have not sold everything have held back on buying further property due to the loss of tax relief on buy-to-let mortgage loans, as well as higher rates on limited company loans.
But most traditional buy-to-let property investors are not aware of the ‘no money down’ strategies to own or control property without using mortgage lenders.
Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Word of the Day
Section 24 (out of space on Anchor)
See - www.moneytipsdaily.com
Sorry, but due to technical issues with Anchor, I was unable to upload Friday's episode.
The UK is leaving the European Union not Europe! We will continue trading and doing business with our European partners as we did long before the European Union ever existed.
f you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com Brexit Property Effect – Invest or Wait? Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term... How to Use Creative Property Financing to Beat the Banks How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Elections to be held on 12 December
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
The UK is set to go to the polls on 12 December after MPs backed Prime Minister Boris Johnson's call for an election after months of Brexit deadlock.
MP’s in the House of Commons approved the legislation by 438 votes to 20 paving the way for the first December election since 1923.
The date is not yet certain as the bill has to be approved by the Lords, but could become law by the end of the week.
The prime minister has said the public must be "given a choice" over the future of Brexit and the country.
The markets fell slightly today with the FTSE 100 down 20 points.
Gender pay gap
Progress on closing the gender pay gap is "dismally slow", according to equality charity the Fawcett Society.
At the current rate of decline it will take 60 years to eradicate the gap, the charity said.
New figures from the Office for National Statistics (ONS) indicate that in the year to April 2019, the gender pay gap for full-time workers rose to 8.9% - up from 8.6% the previous year.
But for people under 40, the gap for full-time employees was close to zero.
The gender pay gap is the percentage difference between average hourly earnings for men and women.
In 2012, the gap between what the average full-time female employee earned compared with the average man was 9.5%. This gap had only narrowed to 8.9% in 2019.
The pay gap for all workers fell from 17.8% in 2018 to 17.3% in 2019, and continues to decline, the ONS said. Source: BBC
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Christmas General Election looms as property prices continue to stagnate.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
MP’s are debating on the date of a possible general election in December, which is most unusual due to the inclement weather.
Amendments could be introduced to allow voting for 16-year olds and EU citizens with settled status in the UK for the first time.
Property prices stagnating
The price of the average home in the UK rose by just £800 in the last year, according to the Nationwide Building Society, indicating a further slowdown for the UK housing market.
In the same period three years ago, the average property price rose by £9,100, or more than ten times the current amount, the major lender's data revealed.
UK house prices have risen by less than 1%, on a year-on-year basis, for each of the last 11 months based on this lender’s data, which will differ slightly from other survey’s, such as the Halifax, and the official Land Registry completion data.
The annual increase was 0.4% in October, the Nationwide said.
The average home is now valued at £215,368.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
See more articles at www.moneytipsdaily.com
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks Mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but...
Earn 25% Tax Free Bonus with Government Help to Buy ISA but only if you start before 30 Nov
A Help to Buy ISA is a government scheme helping you save for a mortgage deposit to buy your first home. You must be a first-time buyer to qualify and not own a property anywhere in the world. Savings are tax free...
For more business opportunities see Hustle Life (https://hustlelife.net)
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
I have read thousands of books and articles on success. I’ve listened to thousands of audios, podcasts and even cassettes by successful people talking about the various principles of achievement. They talk about the seven traits of this and the ten things successful people do and so on.
But out of all of the successful people I’ve followed, only one person specifically mentions energy. The energy you need to make it to the top in any endeavour. He is.....Full Article and other articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Would you like an opportunity to attend a free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
See also:
How to Use Creative Property Financing to Beat the Banks
How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but...
For more business opportunities see Hustle Life (https://hustlelife.net)
Weekly Money News Round Up 251019
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In the news this week
How to Use Creative Property Financing to Beat the Banks
5 Tips to Make Saving Fun
Should banks control our spending?
UK Population to Hit 70 Million in 10 years
Brexit Property Effect – Invest or Wait?
Get on the super highway to financial freedom
The traditional method used by 95% of property investors is the slow road to financial freedom.
Good news, experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money – or other people’s money.
Register For Your Complimentary Ticket
Email me now if you are able to take one of these places, but only email if you can keep these dates free as these tickets are very valuable.
P.S Here’s what you’re going to learn:
- Crowdfunding
- Raising finance
- Rent-to-Rent to Build Cashflow FAST
- Financing new developments and Joint venturing
- How to find investors and how to structure deals
- The risk, due diligence and security of responsibility that comes with investors
- SSAS and SIPP’s lending to unlock your pension to buy property
- AND MUCH MORE!!
During the two days you'll learn the tried and tested tips and tricks of creatively raising property finance. You’ll also network with like-minded individuals and discover the proven methods our expert property trainers have used to build multi-million pound property portfolios.
So make sure you act now and register below to get your hands on a ticket, act fast as these will go quick!
Message me your details or drop me an email – charles@charleskelly.net
In the last few years, the UK mortgage lending rules have been tightened up.
Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but gone and even buy to let mortgages have become far more difficult to obtain.
Most people think that getting a mortgage from the bank is the only way to finance a property purchase, but this is not true.
There are many more creative strategies for raising finance to buy or control property which can liberate you from the monopoly of the banks.
In any case, using the standard method of saving for a deposit and then applying for a mortgage in order to buy an investment property has its obvious limitations. The main problem with this method is that you soon run out of deposits. Many investors using this method have run out of cash and hit a brick wall before they could buy enough properties to enable them to quit their jobs and be financially free.
Experts have been able to discover proven ways to secure, control and buy multiple properties with none of your own money.
If you’d like to learn more about creative finance strategies that you can use to build a portfolio of properties without using your own money there is a one-off opportunity coming up next month live on 14th - 15th Novemeber in the UK.
One of the 2 day creative finance masterclass was put on exclusively for people who attended a previous conference or paid course and places were filled very quickly. However, the company of just released a limited number of complimentary tickets for this special masterclass.
I have just been updated by the team that they have 11 spare complimentary tickets for the last Creative Finance Masterclass this year and I want you to have the first chance to get your hands on these.
Register below to get your hands on a ticket, first come, first served, please note this is one of our limited events I can’t promise this will ever be available again.
Register For Your Complimentary Ticket Email me now if you are able to take one of these places, but only email if you can keep these dates free as these tickets are very valuable.
P.S Here’s what you’re going to learn:
- Crowdfunding
- Raising finance
- Financing new developments and Joint venturing
- How to find investors and how to structure deals towards them
- The risk, due diligence and security of responsibility that comes with investors
- SSAS and SIPP’s lending
- Rent-to-Rent strategies
- Build cashflow fast
- AND MUCH MORE!!
During the two days you'll learn the tips and tricks to creatively raising property finance, network with like-minded individuals and discover the proven methods our expert property trainers have used to build multi-million pound property portfolios.
So make sure you go now and register below to get your hands on a ticket, act fast as these will go quick!
Register For Your Complimentary Ticket
5 Tips to Make Saving More Fun
Saving is at its lowest rate on record. Experts predict that by 2060, 15 million retired workers will be living on inadequate incomes.
How can we encourage people to save more?
Behavioural economics is a blend of psychology and economics. One of its leading exponents is David Halpern who heads the Behavioural Insights Team. He and his team spend a lot of his time thinking about how to incentivise us to save more money. Here are some of their most important findings courtesy of BBC’s Money Box which you can find on BBC Radio 4:
-
Use a photo to help visualise your goal
-
Make saving money more fun
-
Keep it simple
-
Rainy day money
-
Save more without reducing your income
See full article text atwww.moneytipsdaily.com
Having worked in financial services, including banks, insurance companies and my own IFA practice, for over 25 years, I have seen first-hand how people manage their money. This is why I wrote Yes, Money Can Buy You Happiness to help people feel better and manage their money more effectively.
Other articles at www.moneytipsdaily.com
Should banks control our spending?
Should banks control our spending By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. Analysis has shown that people with bipolar disorder, depression or obsessive compulsive disorder (OCD) are more prone to overspending and potential...
Brexit Property Effect – Invest or Wait?
Boris has got his deal through Parliament, but not on his timescale. Brexit Property Effect – Invest or Wait? Wait or Invest Is this a flip market? Are we due for a correction? Long term...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
No Money Down Property Investing Course – Complimentary Tickets Available
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Should banks control our spending?
By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Analysis has shown that people with bipolar disorder, depression or obsessive compulsive disorder (OCD) are more prone to overspending and potential problems with money management and debt, the BBC reports.
Now the Money and Mental Health Policy Institute is calling on banks and building societies to monitor customers' data to spot signs of problems, such as sudden drops in income, dramatic increases in spending, or persistent use of unauthorised overdrafts.
Banks argue that many customers would have more than one account, making it difficult to gather a comprehensive picture of a customer's finances.
There are also data protection rules in place that would make any intervention difficult. The institute wants regulators to publish guidance on how customer data can be used legally and safely.
Helen Undy, chief executive of the institute said:
"About 100,000 people in problem debt attempt suicide each year in England, with many suffering in silence and struggling to ask for help.
Having worked in financial services, including banks, insurance companies and my own IFA practice, for over 25 years, I have seen first-hand how people manage their money. This is why I wrote Yes, Money Can Buy You Happiness to help people feel better and manage their money more effectively.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
Brexit Property Effect – Invest or Wait?
Boris has got his deal through Parliament, but not on his timescale. Brexit Property Effect – Invest or Wait? Wait or Invest Is this a flip market? Are we due for a correction? Long term...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Population to Hit 70 Million in 10 years
In this episode:
· The latest projections by the ONS show that the UK population will rise above 70 million by 2029.
· UK population will grow by 3.6 million, most of it coming from international migration.
· Biggest population rise of 538,000 occurred in 2016.
· The government needs to build 200,000 homes a year to cope with current demands.
· Property is still a good long-term investment providing you also invest in education.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Word of the Day
Money Consciousness
Money consciousness describes an important thought process when considering your financial wellbeing.
Other articles at www.moneytipsdaily.com
The rich do these things, the poor do not
The rich do these things, the poor do not By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: The things the rich do that the poor do not In my 25 years in financial...
Drowning in a Sea of Debt
Drowning in Sea of Debt By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Millions in debt. Debt charity deals with 9500 earning £40,000 If you’d like more information on how to acquire wealth building...
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Weekly News Round Up 181019
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Would you like an opportunity to attend a free No Money Down Property Discovery Day? email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
In the news this week
Brexit Deal Agreed
Brexit Deal Agreed By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: UK Prime Minister Boris Johnson has agreed a Brexit deal with the European Union, but has yet to convince Parliament to...
The rich do these things, the poor do not
The rich do these things, the poor do not By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: The things the rich do that the poor do not In my 25 years in financial...
Drowning in a Sea of Debt
Drowning in Sea of Debt By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Millions in debt. Debt charity deals with 9500 earning £40,000 If you’d like more information on how to acquire wealth building...
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
Brexit Deal Agreed
By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
UK Prime Minister Boris Johnson has agreed a Brexit deal with the European Union, but has yet to convince Parliament to ratify it when they sit on Saturday.
This comes after we were previously told that the EU would not change the previous deal on offer and that there would be no further negotiation.
The lesson here is that when you enter into any negotiation, you should negotiate from a position of strength, which often means that you are prepared to walk away from the table.
Word of the Day
Crowdfunding and peer-to-peer lending.
Crowdfunding and peer-to-peer platforms are vehicles to allow to enable private investors to earn a higher return on their money by investing more directly into projects. Unlike banks, they pay a higher rate of return, but the risks are not the same as leaving your money in the bank account.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
5 Traits of the Rich Vs Poor
5 Traits of the Rich Vs Poor By Charles Kelly, Property Problem Solver, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast I spent years researching my book, Yes, Money Can Buy You Happiness, because I wanted to find out why some...
Drowning in a Sea of Debt
Drowning in Sea of Debt By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Millions in debt. Debt charity deals with 9500 earning £40,000 If you’d like more information on how to acquire wealth building...
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
The rich do these things, the poor do not
By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
The things the rich do that the poor do not
In my 25 years in financial services advising thousands of clients, these are the things that I have observed that the rich and successful people, which the poor neglect to do.
Word of the Day
Disaster Recovery
Disaster Recovery is a strategy and set of policies, tools and procedures to enable the recovery or continuation of vital technology infrastructure and systems following a natural or human-induced disaster.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
5 Traits of the Rich Vs Poor
5 Traits of the Rich Vs Poor By Charles Kelly, Property Problem Solver, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast I spent years researching my book, Yes, Money Can Buy You Happiness, because I wanted to find out why some...
Drowning in a Sea of Debt
Drowning in Sea of Debt By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Millions in debt. Debt charity deals with 9500 earning £40,000 If you’d like more information on how to acquire wealth building...
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
UK Property – £60,000 for a house in Wales or £6 million for a room in Mayfair
UK Property - £60,000 for a house in Wales or £6 million for a room in Mayfair By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. If you’d like more information on how to acquire wealth...
When is a ‘Freehold’ not worth the paper it’s written on
When is a ‘Freehold’ effectively not worth the paper it’s written on and is more like a leasehold? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Buyers of new build houses may be shocked to...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Drowning in Sea of Debt
By Charles Kelly, Property Investor, former IFA, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
Millions in debt
Debt charity deals with 9500 earning £40,000
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
Brexit Property Effect – Invest or Wait?
Brexit Property Effect – Invest or Wait? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this episode: Brexit Effect Wait or Invest Is this a flip market? Are we due for a correction? Long term...
UK Property – £60,000 for a house in Wales or £6 million for a room in Mayfair
UK Property - £60,000 for a house in Wales or £6 million for a room in Mayfair By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. If you’d like more information on how to acquire wealth...
More money looking for places to invest that there are good places to invest
More money looking for places to invest that there are good places to invest By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Word of the Day: Securitisation. Securitisation is the financial practice of pooling various types of contractual...
When is a ‘Freehold’ not worth the paper it’s written on
When is a ‘Freehold’ effectively not worth the paper it’s written on and is more like a leasehold? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Buyers of new build houses may be shocked to...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Brexit Property Effect – Invest or Wait?
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
In this episode:
· Brexit Effect
· Wait or Invest
· Is this a flip market?
· Are we due for a correction?
· Long term investment – get rich long, not get rich quick.
· Education is the key.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Other articles at www.moneytipsdaily.com
UK Property – £60,000 for a house in Wales or £6 million for a room in Mayfair
UK Property - £60,000 for a house in Wales or £6 million for a room in Mayfair By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. If you’d like more information on how to acquire wealth...
More money looking for places to invest that there are good places to invest
More money looking for places to invest that there are good places to invest By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Word of the Day: Securitisation. Securitisation is the financial practice of pooling various types of contractual...
When is a ‘Freehold’ not worth the paper it’s written on
When is a ‘Freehold’ effectively not worth the paper it’s written on and is more like a leasehold? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Buyers of new build houses may be shocked to...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money News Roundup
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
Other articles at www.moneytipsdaily.com
UK Property – £60,000 for a house in Wales or £6 million for a room in Mayfair
UK Property - £60,000 for a house in Wales or £6 million for a room in Mayfair By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. If you’d like more information on how to acquire wealth...
Why Pizza Express and Thomas Cook went bust – A tale of two fallen high street outlets
Why Pizza Express and Thomas Cook went bust – A tale of two fallen high street outlets By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Word of the Day Leveraged Buyout A leveraged buyout (LBO) is the...
More money looking for places to invest that there are good places to invest
More money looking for places to invest that there are good places to invest By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Word of the Day: Securitisation. Securitisation is the financial practice of pooling various types of contractual...
When is a ‘Freehold’ not worth the paper it’s written on
When is a ‘Freehold’ effectively not worth the paper it’s written on and is more like a leasehold? By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Buyers of new build houses may be shocked to...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Would you like an opportunity to attend a free No Money Down Property Discovery Day? Email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community.
UK Property - £60,000 for a house in Wales or £6 million for a room in Mayfair
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Word of the Day
Capital Gain
A capital gain is the difference between what you pay for an asset, such as a property or share, and what you sell it for.
Other articles at www.moneytipsdaily.com
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property Using NONE of Your Own Money
5 Traits of the Rich Vs Poor
House Price Growth Slowest Since 2012, Say ONS
UK economy is slowing down and could go into recession says new report
Should you be buying Gold?
When is a ‘Freehold’ not worth the paper it’s written on
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Would you like an opportunity to attend a free No Money Down Property Discovery Day?
Why Pizza Express and Thomas Cook went bust – A tale of two fallen high street outlets
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Word of the Day
Leveraged Buyout
A leveraged buyout (LBO) is the acquisition of another company using a significant amount of borrowed money to meet the cost of acquisition. The assets of the company being acquired are often used as collateral for the loans, along with the assets of the acquiring company.
Other articles at www.moneytipsdaily.com
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property Using NONE of Your Own Money
5 Traits of the Rich Vs Poor
House Price Growth Slowest Since 2012, Say ONS
UK economy is slowing down and could go into recession says new report
Should you be buying Gold?
When is a ‘Freehold’ not worth the paper it’s written on
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
More money looking for places to invest that there are good places to invest
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Word of the Day
Securitisation
Securitisation is the financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations (or other non-debt assets which generate receivables) and selling their related cash flows to third party investors as securities, which may be described as bonds, pass-through securities, or collateralized debt obligations (CDOs). Investors are repaid from the principal and interest cash flows collected from the underlying debt and redistributed through the capital structure of the new financing. Securities backed by mortgage receivables are called mortgage-backed securities (MBS), while those backed by other types of receivables are asset-backed securities (ABS).
Other articles at www.moneytipsdaily.com
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property Using NONE of Your Own Money
5 Traits of the Rich Vs Poor
House Price Growth Slowest Since 2012, Say ONS
UK economy is slowing down and could go into recession says new report
Should you be buying Gold?
When is a ‘Freehold’ not worth the paper it’s written on
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
When is a ‘Freehold’ property effectively worth the paper it’s written on and is more like a leasehold?
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Other articles at www.moneytipsdaily.com
UK economy is slowing down and could go into recession says new report
5 Traits of the Rich Vs Poor
House Price Growth Slowest Since 2012, Say ONS
Should you be buying Gold?
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly Money News Roundup 041019
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
UK economy is slowing down and could go into recession says new report
5 Traits of the Rich Vs Poor
House Price Growth Slowest Since 2012, Say ONS
Should you be buying Gold?
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK economy is slowing down and could go into recession
By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
A report by the IHS Markit/CPS purchasing managers suggests that the UK service sector is slowing down following construction and manufacturing.
The report suggests that the economy shrunk by 0.1% in the three months to September following a 0.2% fall in the previous quarter.
Yesterday, I reported that property price growth has almost ground to a halt. I recently reported that the ONS said that the house prices had slowed to the slowest growth rate since 2012.
Germany is economy is all but in recession and stock markets are going through a rocky patch.
Many people are blaming Brexit, but I believe that this is not the only factor. Economies go through regular cycles of expansion and contraction, boom and bust.
It doesn’t seem like we have had much of a boom since the last crash in 2008, but a longer session was avoided by governments printing money to the tune of trillions of dollars and central banks holding down interest rates.
However, just because a country is in recession, it doesn’t mean that you have to join it. You can take steps to ensure that your economy or your Ucomony keeps going, and even thrives in a recession, and works hard to see you through the storm.
Word of the Day
Macroeconomics
Macro, from the Greek word meaning large.
Macroeconomics takes a big-picture view of the entire economy, including examining the roles of, and relationships between, corporations, governments and households, and the different types of markets, such as the financial market and the labour market.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
Should you be buying Gold?
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property
House Price Growth Slowest Since 2012, Say ONS
10 tips to survive and thrive in the recession - https://podcasts.apple.com/gb/podcast/money-tips-daily-by-charles-kelly-former-ifa-and-author-of/id1347175960?i=1000444007011
Money news and Property prices slow to 0.2% in September
UK house price growth "almost ground to a halt" year to year in September, with property prices 0.2% higher, the Nationwide has said.
The country’s biggest building society also said that prices fell by 0.2% compared with August, according to figures based on its own mortgage data as a major lender.
The average home was now valued at £215,352, it said.
The Chancellor, Sajid Javid announced that the National Living Wage will rise to £10.50 within the next five years.
He will also lower the age threshold for those who qualify from 25 to 21.
Speaking at the Tory Party Conference, Mr Javid said the policy would "help the next generation of go-getters to get ahead".
Bank Scammers Stealing £1 million a Day in UK
By Charles Kelly, Property Problem Solver, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Scammers stole over £200 million from UK bank customers in the first half of 2019, over £1 million a day, and the banks only refunded £39 million because they say the victims are to blame.
Learn ‘no money down’ property strategies for free!
If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community.
Would you like an opportunity to attend a free No Money Down Discovery Day on 10th October?
Word of the Day
Phishing – Not Fishing!
Phishing is the fraudulent attempt to obtain sensitive information such as usernames, passwords and credit card details by disguising oneself as a trustworthy entity in an electronic communication.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See more at www.moneytipsdaily.com
By Charles Kelly, Property Problem Solver, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast I spent years researching my book, Yes, Money Can Buy You Happiness, because I wanted to find out why some people are rich and others are poor. What I discovered is that having wealth has little to do with how hard people work, since millions of poor people work hard in jobs putting in long hours of sometimes backbreaking work all of their lives with little to show for it. It is not all about academic qualifications. Education helps, as academic qualifications will increase your earning power over your lifetime. However, just have a university degree is not the key. Where you live can make a difference, as people born in a first world country, like the UK, obviously have a huge advantage over millions of others born in developing countries even if they do not always appreciate their good fortune and often waste the many opportunities right in front of their noses! Yet even in poor countries, I have seen both poor and rich people, and observed similar rich traits and habits. If you go to any town in the UK, Europe or America, you will find the poor part of town and the bigger houses on the hill in the wealthier part of town. You will find people who are doing well and people who are struggling. Is it down to luck? Luck or good fortune can play a part, but we all have those lucky breaks and times when opportunities seem to just fall in our lap. Unfortunately, we don’t always take advantage of those lucky breaks. In this episode you'll discover the 5 traits, such as how the rich make their money work hard for them instead of just working hard for money, how they acquire assets using other people's money and more. See full article at www.moneytipsdaily.com Earlier I said that the rich acquire assets, the rich use leverage and the rich make their money work hard for them instead of just trading their time for money. You can learn how to acquire assets using the leverage of other people’s money so that you can quit the rat race and start stop trading your time and life for money. This is not a ‘get rich quick scheme’ and you will not become a millionaire overnight. The first aim is to enable you to replace the income you get from your job within six months, if you follow these the strategies taught on the course. Once you have done this, you can work on yourbusiness full time, instead of someone else’s, and from there the sky’s the limit. If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. Would you like an opportunity to attend a free No Money Down Discovery Day on 10th October? There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. See more at www.moneytipsdaily.com Word of the Day Tenant Buyer – Right to Own A tenant buyer is a private tenant who is renting a property with a right to buy it on or before an agreed date in the future. If you are currently a tenant and would like to buy your own home in the future, but unable to do so right now, drop me a line at Charles@CharlesKelly.net.
Earlier this week:
Creative Finance Tools for Owning or Controlling Property
Creative Finance Tools By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Learn more about own and controlling property using little known creative no money down strategies used by professionals to create unlimited wealth and get out...
More Recession Warning Signs
More worrying stories have been flagged in recent news stories prompting fears of a looming recession. Earlier today, the FT reported, that the Federal Reserve Bank of New York injected $66bn into short-term lending markets on Monday, building on a series of operations from last week...
Thomas Cook goes bust leaving thousands stranded
Charles Kelly Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast People booking package holidays, as opposed to flight only deals, are covered by the ATOL protection scheme. About ATOL The law says your holiday must be protected if it is a...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See full articles and much more at www.moneytipsdaily.com:
More Recession Warning Signs
Should you be buying Gold?
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property
Are Index Tracking Funds a Safe Investment?
Not according to Michael Burry, the legendary investor featured in the book and movie, The Big Short, who is predicting a 2008-style crash.
American Michael J. Burry is a physician, investor, and hedge fund manager. He was the founder of the hedge fund Scion Capital, which he ran from 2000 until 2008, before closing the firm to focus on his own personal investments.
Burry made a fortune betting against CDOs before the 2008 financial crisis and his estimate net worth is $250 million. He currently manages over $100 million in his own fund.
In an interview with Bloomberg, Burry said index fund inflows (investment money) are distorting prices for stocks and bonds in much the same way that CDO purchases did for subprime mortgages over a decade ago. The flows will reverse at some point, he said, and “it will be ugly” when they do.
“Like most bubbles, the longer it goes on, the worse the crash will be,” said Burry, who oversees about $340 million at Scion Asset Management in Cupertino, California. One reason he likes small-cap value stocks: they tend to be under-represented in passive funds.
Here’s what else Burry had to say about indexing, liquidity, Japan and more. Comments have been lightly edited and condensed...See full article at www.moneytipsdaily.com
Word of the Day
Index and Tracker Funds
An index or tracker fund is an index fund that tracks a broad market index or a segment thereof. Tracker funds are also known as index funds. These funds seek to replicate the holdings and performance of a designated index. Tracker funds are designed to offer investors exposure to an entire index at a low cost. Source: Investopedia.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See more at www.moneytipsdaily.com:
More Recession Warning Signs
Should you be buying Gold?
3 Myths of Property Investment
Creative Finance Tools for Owning or Controlling Property
By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Learn more about own and controlling property using little known creative no money down strategies used by professionals to create unlimited wealth.
If you would like more information about no money down tools, email charles@charleskelly.net
Word of the Day
Options
Holding an option on a property gives you the option, but not the obligation to buy.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See more at www.moneytipsdaily.com:
3 Myths of Property Investment
More worrying stories have been flagged in recent news stories prompting fears of a looming recession.
Earlier today, the FT reported, that the Federal Reserve Bank of New York injected $66bn into short-term lending markets on Monday, building on a series of operations from last week to support the market after a severe bout of turmoil. The cost of overnight cash borrowing in exchange for US Treasuries — known as a repurchase agreement, or repo — soared early last week, pushing the main interest rate targeted by the Federal Reserve out of its target range. That prompted the New York Fed to intervene in the market for the first time in a decade on Tuesday. It subsequently continued daily $75bn cash injections throughout last week. Source: FT.Com
Then we had a report in The Times of “central bank warnings” after the Bank for International Settlements warned of the “troubling” rise of negative-yielding bonds to more than $17 trillion.
This afternoon, the Evening Standard Business News reported that bank share prices have tumbled following JP Morgan’s “gloomy prediction”.
I have previously written about the inverted yield curve, which has always preceded a recession.
Property prices are slowing, despite low interest rates and a shortage of housing in the UK, and smart money is moving into safe havens, such as goldand silver.
Almost 3000 shops closed in the first half of 2019 and large companies, like Thomas Cook, are going bust putting thousands out of work on a regular basis.
I don’t want to be a doom monger, but I think we are due for a recession.
Word of the Day
Recession
In economics, a recession is a business cycle contraction when there is a general decline in economic activity. Recessions generally occur when there is a widespread drop in spending.
Officially, a country is in recession after a period of general economic decline, defined usually as a contraction in the GDP for six months (two consecutive quarters) or longer. Marked by high unemployment, stagnant wages, and fall in retail sales, a recession generally does not last longer than one year and is much milder than a depression.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See more at www.moneytipsdaily.com
Should you be buying Gold?
Thomas Cook goes bust leaving thousands stranded
How to earn up to 500% higher yields on your investments without high risks
3 Myths of Property Investment
By Charles Kelly Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
People booking package holidays, as opposed to flight only deals, are covered by the ATOLprotection scheme.
About ATOL
The law says your holiday must be protected if it is a package holiday. ATOL (which stands for Air Travel Organiser’s Licence) is a UK financial protection scheme and it protects most air package holidays sold by travel businesses that are based in the UK. The scheme also applies to some flight bookings, usually those where you book flights (including UK domestic flights) but do not receive your tickets immediately.
Statement by the CAA (Civil Aviation Authority):
Thomas Cook has confirmed that all the UK companies in its group have ceased trading, including Thomas Cook Airlines.
As a result, we are sorry to inform you that all holidays and flights provided by these companies have been cancelled and are no longer operating. All Thomas Cook's retail shops have also closed.
The Government and the Civil Aviation Authority are now working together to do everything we can to support passengers due to fly back to the UK with Thomas Cook between 23 September 2019 and 6 October 2019. Depending on your location, this will be either on CAA-operated flights or by using existing flights with other airlines. See more at www.moneytipsdaily.com
For more information, visit:
https://thomascook.caa.co.uk/
ATOL - https://www.caa.co.uk/atol-protection/
You can also claim back money which you paid using your credit card under and even your debit card under the banking ‘charge back’ scheme. Contact your credit card provider or bank.
Thomas Cook is probably the oldest travel agency in the world with roots going back to 1841 when the original Thomas Cook arranged a rail excursion from Leicester to Loughborough.
Recently, it has become burdened with debt and has run out of cash and support from its bankers, leaving the directors no other choice but to put the company into liquidation.
What is the underlying problem?...listen to the full podcast for more thoughts and insights into the demise of the once dominant travel agent.
Word of the Day
Liquidation
Liquidation is the legal ending of a limited company, stopping the company from doing business, or employing staff.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you would like more information about the Cyprus ‘Golden Visa’ investment programme, email charles@charleskelly.net
See more at www.moneytipsdaily.com:
How to earn up to 500% higher yields on your investments without high risks
3 Myths of Property Investment
By Charles Kelly Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
This week’s news has been dominated by politics and Brexit, with markets settling as a last-minute deal looking increasingly likely.
The Fed followed the ECB by cutting rates, whilst the Bank of England held the base rate at .75%.
The Brothers Stripe, Richest Self-Made Irish Billionaires
By Charles Kelly Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast Airbnb rise from zero to $31 billion. Today I want to talk about a similar sized company in terms of valuation which could be floated on... See more at www.moneytipsdaily.com
Airbnb plan $31 billion IPO
Airbnb to IPO in 2020 By Charles Kelly Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast The accommodation platform Airbnb says it plans to go public next year.... See more at www.moneytipsdaily.com
House Price Growth Slowest Since 2012, Say ONS
House Price Growth Slowest Since 2012 By Charles Kelly UK house prices rose at the slowest rate to July than at any time since September 2012, up by 0.7%, official figures reveal. According... See more at www.moneytipsdaily.com
Can you really buy property with one click?
Can you really buy a property with just one click? By Charles Kelly Author and creator of Money Tips Podcast Joseph Kennedy, the father of John F Kennedy, once said that when shoeshine boys were telling him to get into the stock market, he knew it was time... See more at www.moneytipsdaily.com
Should you be buying Gold?
Should you be buying Gold? By Charles Kelly Author and creator of Money Tips Podcast Money Tips looks at whether you should be holding precious metals like Gold and Silver as part of your portfolio. Word of the Day Indicators An economic indicator is a statistic about an economic activity, which offers an analysis of economic... See more at www.moneytipsdaily.com
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you would like more information about the Cyprus ‘Golden Visa’ investment programme, email charles@charleskelly.net
By Charles Kelly
Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Yesterday we talked about Airbnb rise from zero to $31 billion. Today I want to talk about a similar sized company in terms of valuation which could be floated on the stock market.
If you’ve ever sold goods or services online, you may have come across a payment system called Stripe. I had never heard it of it until I started using click funnels but it seems to work very well.
The people behind Stripe are John and Patrick Collison who sold their first company for $5 million when they were still teenagers. Now, a little more than a decade later, their second start-up is valued at $35 billion, making them Ireland’s richest entrepreneurs, Bloomberg reports.
The latest valuation for their online payment processor, Stripe Inc., gives John, 29, and Patrick, 31, an estimated net worth of $4.2 billion each, according to calculations by the Bloomberg Billionaires Index, enough for inclusion in the 500-member ranking. Stripe declined to comment.
Did they build this company up organically using their own money or remortgaging their houses? No, they used other people’s money, such as investors and capitalists.
This week, Stripe announced that it had raised $250 million in its latest funding round, giving the San Francisco-based company a valuation of $35 billion. The only U.S. start-ups that had higher valuations this year are vaping giant Juul Labs Inc. and We Co., the parent of office-sharing real estate firm WeWork.
However, the valuations for both of those companies are now in doubt. A growing number of vaping illnesses and deaths has prompted some governments to ban Juul’s products, and Wall Street estimates for We’s valuation have tumbled following scrutiny of co-founder Adam Neumann’s unorthodox financial dealings with the firm.
The Irish brothers’ fortunes exceed those of fellow countrymen...full article visit http://www.moneytipsdaily.com/the-brothers-stripe-richest-self-made-irish-billionaires/
Word of the Day
Floatation
Flotation is the process of converting a private company into a public company by issuing shares available for the public. It allows companies to obtain financing externally instead of using retained earnings to fund new projects or expansion. Source: Investopedia
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
If you would like more information about the Cyprus ‘Golden Visa’ investment programme, email charles@charleskelly.net
See more at www.moneytipsdaily.com:
Airbnb plan $31 billion IPO
House Price Growth Slowest Since 2012, Say ONS
Airbnb plan $31 billion IPO in 2020
By Charles Kelly
Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
The accommodation platform Airbnb says it plans to go public next year. It was valued at $31bn in its most recent funding round and made more than $1bn in revenues in the second quarter. Airbnb hosts, of which I was once one, have made more than $80bn from renting their properties as of this month, according to the company.
Airbnb, like Uber, Amazon and Apple, have disrupted industries and brought down prices for consumers. But they have also done something else which they have in common - they have all helped small entrepreneurs make money and compete with larger businesses as well.
Airbnb has made $80 billion for landlords, like myself, Uber indirectly employees millions of drivers and Amazon has enabled small businesses to open up online stores and reach millions of people at a fraction of the cost it would’ve been a few years ago.
I started with Airbnb around five years ago when it was quite new in the UK, after hearing about it from my Son.
From the start, it really was an amazing system. I made money from day one and rarely had an empty room. I only gave it up because it was becoming too much work and I couldn’t find anybody reliable to manage it for me.
Now there are companies which manage thousands of properties on behalf of landlords which are rented out through www.Airbnb.com and other platforms like booking.com.
I went to their convention when it was held in Paris. The guys who started the company are still young. They have built a worldwide property business without owning the properties, which is a lesson for all of you to think that you can’t get into property unless you have lots of money. They do of course own their own properties and they used to let rooms out to Airbnb guests just to keep their hand in and set an example. See more at www.moneytipsdaily.com:
If you would like to know how to get into property drop me a line n Facebook or email Charles@charleskelly.net
Word of the Day
Limited Company or Corporation
A limited company is an organisation and legal entity that you use to set up to run your business. This means that each shareholder's responsibility for financial liability is limited by the value of the shares that they own but have not paid for. Company directors of such companies are not responsible for business debts.
In other words, if you are the sole shareholder and director of a limited company and the company goes bust owing £10 million or is sued for £10 million, you will not be liable for the debt, unless you have signed a personal guarantee or have acted fraudulently. However, if you are trading as a sole trader, or a partnership, you would be liable for the debts and the creditors could go after you and sees your personal assets such as your house.
Limited companies can also use the letters LTD after their name and the UK is one of the easiest countries in the world in which to set up a company, which can be done within hours online at Companies House, and run a business. The tax treatment in the UK is favourable to business and we have good governance and rule of law.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See more at www.moneytipsdaily.com:
House Price Growth Slowest Since 2012, Say ONS
By Charles Kelly
Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
UK house prices rose at the slowest rate to July than at any time since September 2012, up by 0.7%, official figures reveal.
According to the Office for National Statistics (ONS) there has been a general slowdown in UK property price growth in the last three years.
The overall growth rate has been dragged down by a declining market in London and south-eastern England.
However, the latest figures show the biggest drop in prices in the last year was in the North East of England.
Property values in the North East region dropped by 2.9% in the year to July and were down by 2.1% in July compared with June, data from the ONS and Land Registry shows.
There were also annual falls in house prices in the South East of England (down 2%), London (down 1.4%), and the East of England (down 0.5%).
Overall in the UK, the annual rise of 0.7% was the slowest since the 0.4% rise of September 2012. The biggest rise was in Wales, up 4.2%. The typical property in the UK is now valued at £233,000.
The ONS/Land Registry data is generally considered to be the most accurate house price estimate, although it covers a period which is slightly earlier than other surveys.
The news comes on the back of government measures to penalise buy-to-let investors and anybody buying a property over £1 million, which could be a London flat or small detached in the South East of England.
If you would like to get into property but not sure how, my friends at Progressive are running several events to give you the opportunity to look at a number of strategies so you can decide which is best for you.
Here are some upcoming dates, but don’t worry if you can’t make or have missed them as there will be more courses laid on in the new year.
Multiple Streams of Property Income Event
- 20-22nd September – Peterborough
- 11-13th October – Peterborough
- 25-27th October – Peterborough
An excellent 3 day event covering multiple streams of income and strategies. For more dates and courses, see http://www.moneytipsdaily.com/house-price-growth-slowest-since-2012-say-ons/
I have a limited number of complimentary tickets for these events. If you are interested, message me on Facebook or email me at charles@charleskelly.net
The Bank of England kept base rates at .75% today, as the US Federal Reserve and ECB cut rates this week.
Word of the Day
ONS
ONS is the Office for National Statistics, the official body with responsibilities are collecting, analysing and disseminating statistics about the UK's economy, society and population.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
How to earn up to 500% higher yields on your investments without high risks
3 Myths of Property Investment
New App launched that cancels subscriptions after free trial
By Charles Kelly
Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast
Have you ever signed up for a free trial online and then forgotten all about it? A year later you realise that you’ve been paying for a service you didn’t really want. Sometimes, it only comes to light when your credit card expires!
Good news. A young British entrepreneur has launched service which automatically cancels subscriptions at the end of the free trial period, the BBC reports.
The ingenious App was developed by Josh Browder, who in his teenage years invented an algorithm called ‘Do Not Pay’, which continues to successfully fight parking fines.
His latest App, Free Trial Surfing, is not directly linked to a customer's bank account or credit card, but Mr Browder says it is in partnership with a major bank. He declined to say which bank was supporting the venture.
"The idea for this product came when I realised I was being charged for a $21.99 (£18) gym membership from over a year ago that I was never using," he told the BBC.
"In fact, I had completely forgotten that I had signed up for a free trial in the first place. Constantly trying to keep track of when a 'free trial' period ends is annoying and time-consuming."
Ironically, he said 10,000 people had signed up to for a “free trial” to try Free Trial Surfing since its launch six weeks ago in the US, where Mr Browder, who is from the UK, now lives.
The two most common subscriptions the service has been used for are porn platforms followed by Netflix, he added. Full article see: http://www.moneytipsdaily.com/new-app-launched-that-cancels-subscriptions-after-free-trial/
Other business news
UK house prices rose at a slower rate in the year to July than at any time since September 2012, up by 0.7%, official figures show. More on this in tomorrow’s episode.
Inflation growth slowed sharply in August to 1.7% after computer game prices dropped and clothing prices were slow to recover from the summer sales.
The Consumer Prices Index measure of inflation fell below 2.1% in July, according to the Office for National Statistics.
Word of the Day
CPI - Consumer Prices Index
Consumer Price Indices are important indicators of how the UK economy is performing.
The Consumer Price Index (CPI) is a measure that examines the weighted average of prices of a basket of consumer goods and services, such as transportation, food, and medical care. It is calculated by taking price changes for each item in the predetermined basket of goods and averaging them.
The indices are used in many ways by the government, businesses, and society in general. They can affect interest rates, tax allowances, wages, state benefits, pensions, maintenance, contracts and many other payments. They also show the impact of inflation on family budgets.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Can you really buy a property with just one click?
By Charles Kelly
Author and creator of Money Tips Podcast
Joseph Kennedy, the father of John F Kennedy, once said that when shoeshine boys were telling him to get into the stock market, he knew it was time to get out. That’s exactly what he did just before the 1929 stock market crash, which was followed by a bear market which lasted for decades.
Sometimes I feel the same about property when everyone seems to be jumping on the bandwagon. Now, there is even a company offering investors a way to buy a buy-to-let property with the click of a mouse.
Can you really buy a property online just like ordering something on Amazon? Well, not quite.
Dot, a Californian company with offices in Manchester, effectively gives you the facility to reserve a property online, leaving completion and the legal work to be done later on.
Investors are told that they can buy one and two bedroomed properties costing up to £200,000 in a “few pain-free minutes”, with just a few clicks, and enjoy a yield of up to 6% pa. Once you have selected a property, the company sends out a computer generated image of what the property would look like when refurbished, without investors needing to visit the site themselves. I guess this would be of more benefit in America where a site visit could involve thousands of miles of travel and even a flight.
The company is currently packaging up to 40 flats in Manchester, Birmingham and Leeds, Cities which it has identified as rental growth areas.
They told the Sunday Times that they expect it “will be completely normal for an investor to acquire, renovate and hold properties without ever visiting them in person”.
After the property has been reserved and Dot has carried out a credit check and verified that the investor is earning at least £30,000 per annum, the company lends investor the money to purchase the property and pay all of the stamp duty and legal costs, plus Dot’s 3% fee – which is £6000 based on a typical £200,000.
The loan, effectively a bridging loan, is offered at 0.6% per month or 7% per annum for 12 months. Investors are required to contribute a minimum 25% deposit.For full article, see http://www.moneytipsdaily.com/can-you-really-by-property-with-one-click/
Word of the Day
Land Registry
Official government body that registers most property titles in England and Wales.
Your solicitor will normally do a search to check ownership as well as registering your interest in the property once you have completed your purchase.
The best way to get into property is to do your homework and learn from experts. If you would like further details on how to learn about property and become a professional property investor, email charles@charleskelly.net
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
How to earn up to 500% higher yields on your investments without high risks
3 Myths of Property Investment
Should you be buying Gold?
Money Tips looks at whether you should be holding precious metals like Gold and Silver as part of your portfolio.
Word of the Day
Indicators
An economic indicator is a statistic about an economic activity, which offers an analysis of economic performance and predictions of future performance.
Top 5 Economic Indicators for Global Investors
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Gross Domestic Product. GDP represents the market value of all final goods and services produced within a country over a period.
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Employment Indicators
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Consumer Price Index. CPI is an indicator of inflation.
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Central Bank Minutes
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PMI Manufacturing & Services
Company indicators
Sometimes called Key Performance Indicator, KPI’s gives a snapshot of key measures, such as sales, capital reserves or accounts payable turnover, which tell investors and managers at a glace where the business is heading.
You could also run a KPI for your health. For instance, how many hours exercise did you do last week? How much alcohol or sugary foods did you consume? Do you smoke, and so on. Based on these KPI’s, you don’t need to be a doctor to know where your health is heading.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
ECB Cut Rates To Stimulate Economy
How to earn up to 500% higher yields on your investments without high risks
3 Myths of Property Investment
By Charles Kelly
Author and Creator of Money Tips
How to get bursaries and assisted places for top private schools
The gift of education is one of the most valuable things you can give to your children. However, the cost of sending a child or grandchild to an independent or private (strangely, also known as a “public school”) school has soared...
ECB Cut Rates To Stimulate Economy
Interest rates look set to stay low. This week, the ECB announced that it is reducing interest rates. Trump is demanding that the US federal reserve follow. UK base rates stand at....
3 Myths of Property Investment
The 3 Myths of Property Investment Many people tell me that they want to get into property, but don’t know where to start or which strategy to choose. “Should I try residential or commercial”, they ask me, “single let buy-to-let or HMO’s?”. How will I find the money...
Markets Settle On Trump-China Trade War Talks – Money Tips News
Markets Settle on China-US Trade talks. Don’t ignore parking tickets and bills – more bailiffs being used by local authorities to collect unpaid fines. 2870 retail outlets closed down in first six months of 2019. LSE £32 billion HK bid. BA pilot strikes...
Angel Investor Funding – London Has an Abundance of Money for Scalable New Businesses
There is an abundance of money available for business start-ups and ventures in London. Word of the Day Scalable Businesses which are scalable are businesses which can be scaled up or grown to a large concern where investors can expect to make a return on their investment, as...
How to earn up to 500% higher yields on your investments without high risks
Low interest rates look set to continue for the foreseeable future. Whilst this is great for borrowers, it is disastrous for investors and people retiring on annuities. Earning just over 1% on an ISA account It’s keeping up with inflation...
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Earn 25% Tax Free Bonus with Government Help to Buy ISA but only if you start before 30 Nov
10 TIPS TO GET OUT OF CONSUMER DEBT USING THE M.A.N.A.G.E. D.E.B.T. SYSTEM
The gift of education is one of the most valuable things you can give to your children. However, the cost of sending a child or grandchild to an independent or private (strangely, also known as a “public school”) school has soared well above the rate of inflation, yet the number of UK pupils in private education has never been higher. Why is this?
Part of the answer is that more than £1bn a year of financial assistance is available to parents, enabling one in three students to have their school fees reduced or even waived, according to the FT.
School fees have become a major problem for the middle classes in recent years. The cost of a private education is nearly 50% higher than a decade ago, according to data from the Independent Schools Council (ISC).
Average fees for day pupils are now nearly £4,800 per term, or just over £14,000 a year. Fees are higher in the Southeast and London, where boarding school fees now average more than £13,000 a term — close to £40,000 per year, according to the ISC.
Scholarships and bursaries have become a key factor in affordability, but many parents may not be aware of the level of help available. For instance, at some schools, parents who apply for means-tested support could qualify even if they have a household income of £90,000.
Competition for the brightest children means that an increasing amount of assistance is being provided on a “needs blind” basis to pupils with a flair for particular subjects, such as music and sports.
My Son won a music scholarship and bursary, which covered part of the fees, and a government assisted place scheme, which was later abolished by the Tony Blair government.
Independent schools need to justify their charitable status, which has encouraged more generosity in the form of scholarships and means-tested bursaries. The ISC says that £800m of the £1bn provided in “fee assistance” last year came directly from the schools themselves.
Over 175,000 ISC students currently enjoy some form of fee reduction, around half of these through means testing. The number of those receiving “free” fully paid places more than 6,000 pupils, an increase of 5 per cent year-on-year. Click here for full story.
See more at www.moneytipsdaily.com
Word of the Day
Hedge Fund
A hedge fund is an official partnership of investors who pool money together to be guided by professional management firms, not unlike a mutual fund.
A hedge fund manager raises money from outside investors and then invests it according to whatever strategy he or she has promised to use. There are hedge funds that specialise in "long-only" equities, meaning they only buy common stock and never sell short. There are hedge funds that engage in private equity, which is the buying of entire privately held businesses, often taking them over, improving operations, and later sponsoring an initial public offering. There are hedge funds that trade junk bonds.
There are hedge funds that specialise in property and real estate. There are even hedge funds that put money to work in specialised asset classes such as patents and music rights. In other words, unlike a Mutual Fund or Unit Trust, hedge funds can invest in just about anything.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Earlier this week, I said that interest rates look set to stay low.
This week, the ECB announced that it is reducing interest rates. Trump is demanding that the US federal reserve also cut interest rates and the UK base rates stand at just .75%.
Other central banks are keeping rates low in order to stimulate the flagging economy.
The ECB is also introducing other stimulus measures such as pumping money into the economy by buying €2.8 billion worth of bonds.
As I said, this is good news for borrowers but not so good for savers.
In the UK you can get mortgages at just over 1%, but in some countries you can get mortgage is it close to zero or even negative rate mortgages.
It should be a good time to fix your mortgage rate as there is also a bit of a mortgage work going on with lenders falling over themselves to attract customers.
The property market in the UK has been in the doldrums for the last few years, with some areas such as London fallen sharply. The average price rises in the rest of the country are barely moving.
However, with the conclusion of Brexit finally in sight and ‘no deal’ looking like it is off the table, some agents are reporting an increase in buyer activity.
With Sterling still down at just over £1.20 against the dollar, properties must look cheap for foreign buyers. The pound could also benefit from the Brexit bounce once we come out of the EU. The pound reaches the highest level since July
If you are an overseas investor looking to get into the UK market I’m looking for a partner, let me know.
My personal view is that we have not seen the end of market turbulence, so I’m holding back on investing in the stock market and will only consider below market value shares and property.
Price of gold, silver and other precious metals has risen sharply in the past year, indicating that some investors are nervous and are looking for a safe haven.
I recently reported that the Chinese businessman Jack Ma said that we should all be working 12 hours a day six days a week. In the UK, some believe that we should push towards a 35 or four day working week.
This was introduced in France several years ago and has caused problems for business.
There is an argument that working too many hours causes fatigue and problems, but any top-down legislation trying to force a shorter working week for businesses needs to be carefully considered. Businesses cannot afford to just pay people the same salary for five days while working only four, which would add an extra 20% to their bottom line.
Other news
The London stock exchange has rejected Hong Kong bid thank goodness.
Word of the Day
Quantitative Easing
The short answer is Quantitative easing government central banks printing money.
Putting more money back into the economy in order to stimulate economic activity.
In practice, QE is a monetary policy whereby a central bank buys predetermined amounts of government bonds or other financial assets in order to inject liquidity directly into the economy.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Many people tell me that they want to get into property, but don’t know where to start or which strategy to choose.
“Should I try residential or commercial”, they ask me, “single let buy-to-let or HMO’s?”.
How will I find the money for deposits, which area should I invest in, should I use a limited company? These are all questions I get asked by people wanting to become a professional property investor.
Firstly, let’s get rid of a few myths that may be holding you back from taking the first step.
Myth No.1
You need your own money to get into property.
Not true. There are a number of strategies you can use to get into property investment with either no money or by using other people’s money.
Myth No.2
It takes years of experience and special skills to become a professional property investor.
Nonsense. I’ve seen people become investors within a few weeks of taking a course and go on to build a portfolio much larger than “experienced” investors.
Myth No.3
You need special connections and have to be “in the know” to get all the best deals.
Again, not so. Anybody can build their network and connections in property by learning and simply getting out there and meeting people. There are hundreds of networking events, courses and seminars running every month, all over the country. Not only can you build your connections at these events, but you can also expand your knowledge.
So how can you get started right now?
My friends at Progressive are running several events to give you the opportunity to look at a number of strategies so you can decide which is best for you.
Multiple Streams of Property Income Event
- 20-22nd September – Peterborough
- 11-13th October – Peterborough
- 25-27th October – Peterborough
An excellent 3 day event covering multiple streams of income and strategies.
No money for deposits?
Why not start by finding deals and packaging them up to sell on to others. Learn more at the deal packaging discovery day
Deal Packaging Discovery Day
- 25th September
- 30th October
A 1 day event giving you a strategy where you can make money from property without using any of your own money.
We also have a 1 day beginners property secrets course, which can introduce you to property investing.
Beginners Property Secrets Day
- 9th September
- 17th September
- 24th September
- 3rd October
- 8th October
Other events:
No Money Down Discovery Day
- 23rd September
- 10th October
Joint Venture Finance Day
- 5-6th September
- 23-24th October
Serviced Accommodation Discovery Day
- 13th September
- 26th September
- 31st October
House of Multiple Occupancy (HMO) Discovery Day
- 11th September
I have a limited number of complimentary tickets for these events. If you are interested, message me on Facebook or email me at charles@charleskelly.net
Money Tips News
Markets Settle on China-US Trade talks.
Don’t ignore parking tickets and bills – more bailiffs being used by local authorities to collect unpaid fines.
2870 retail outlets closed down in first six months of 2019.
LSE receives £32 billion HK bid.
BA pilot strikes damaging the airline’s multi-billion pound brand.
Word of the Day
Revenues and profit.
Revenue, or turnover, is the total amount of income generated by the sale of goods or services by a company or business. Profit, or the “bottom line”, is the amount of income that remains after accounting for all expenses, debts, additional income streams and operating costs.
Turnover is vanity profit is sanity.
See also:
Angel Investor Funding – London Has an Abundance of Money for Scalable New Businesses
How to Obtain Angel-Investor Funding- With Joseph Zipfel, C.I.O. of Start-up Funding Club
https://podcasts.apple.com/gb/podcast/how-to-obtain-angel-investor-funding-joseph-zipfel/id1442532994?i=1000444991715
Earn 25% Tax Free Bonus with Government Help to Buy ISA but only if you start before 30 Nov
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
There is an abundance of money available for business start-ups and ventures in London.
Word of the Day
Scalable
Businesses which are scalable are businesses which can be scaled up or grown to a large concern where investors can expect to make a return on their investment, as opposed to a one-man-band or lifestyle business.
See also:
How to Obtain Angel-Investor Funding- With Joseph Zipfel, C.I.O. of Start-up Funding Club
https://podcasts.apple.com/gb/podcast/how-to-obtain-angel-investor-funding-joseph-zipfel/id1442532994?i=1000444991715
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Low interest rates look set to continue for the foreseeable future. Whilst this is great for borrowers, but disastrous for investors and people retiring on annuities.
Earning just over 1% on an ISA account is not even keeping up with inflation, let alone giving you a good investment return.
Even gross yields on buy-to-let properties in major cities have fallen below 4% and in London or sometimes around 2%. That’s ‘gross’ yield by the way, before costs such as letting charges.
What should you the investor do to improve the yield or income you receive on your money, particularly if you are relying on this to provide retirement income?
You can shop around for the highest rate available on savings accounts, but this is not going to improve your overall return by that much.
You could consider high yielding shares as an alternative to deposit-based investments.
Yes, there is the risk that the value of your capital can go down as well as up, but many of these are blue-chip companies listed on the London Stock Exchange.
Examples of these FTSE100 index listed companies include the insurer Aviva PLC, currently paying a dividend yield of 8%.
Aviva has over 30 million customers, a market capitalisation of £14.2 billion and trades on a P/E ratio of 9.53.
Aviva is listed as a “buy” by most brokers, but could also be affected by Brexit.
Shares can be held within the tax-free wrapper of an ISA, which means that you would not pay tax on the income or growth.
Mining company, Rio Tinto has a market cap of £70 billion and paying a dividend of 5.5%, trading on a P/E of 10.16.
Rio dates back to 1873 and earnings have gone up by 32% each year for the past five years. Its share price is being threatened by unpredictable weather and a weakened outlook for minerals such as iron ore.
House builders Redrow PLC and Persimmon PLC have both done well in the last few years with the push for more new homes and the government Help-to-Buy scheme for first time buyers.
Redrow has a market capitalisation of just over £2 billion, trades on a P/E ratio of 6.46 and currently has a dividend yield of 5.26%.
The company recently reported a jump in annual profits to £406 million for the year ended to 30th of June 2019, up 7% of the previous year, with annual revenue rising by 10% to £2 billion. Revenue was driven by a 13% increase in legal completions to 6443 homes. There was a 2% drop in the average selling price.
Persimmon pays a dividend of 12% or a 1200% than most ISA accounts pay. The company has a market capitalisation of over £6 billion, and reported a profit of £1 billion on revenues of £3 billion, yet trades on a P/E ratio of just 6.75.
Around 200,000 new homes have been built each year for the past few years in the UK. There is still demand for property for various reasons, but builders could be dependent on schemes like the government help to buy.
The price of shares can go down as well as up and dividends and the value of your capital are not guaranteed.
The companies are expected to grow over the longer term, which means you can enjoy dividends and capital growth on your investment.
These are just a few examples of shares offering dividends (a share in the profits) of over 5% of the share price.
Do your own research online. Google high yielding dividend shares, or look at finance sites.
See your financial advisor, but the best way to invest in shares is to learn more about it yourself.
Word of the Day
P/E Ratio see:
http://www.moneytipsdaily.com/how-to-earn-higher-yields-on-your-investments/
Weekly News Round Up
The week has been dominated by the shenanigans going on in parliament, with Boris Johnson losing control of the agenda and opposition party remainers winning three crucial votes.
Other news
Markets and pound bounce back as a ‘no deal brexit’ looks less likely
Germany going into Recession
Earn 25% Tax Free Bonus with Government Help to Buy ISA but only if you start before 30 Nov
Government Help to Save Scheme for low paid 96% undersubscribed
10 TIPS TO GET OUT OF CONSUMER DEBT USING THE M.A.N.A.G.E. D.E.B.T. SYSTEM
Women Need to Invest More Money to Secure Future Prosperity
Government Lose Key Brexit Vote – Johnson will table a motion for an October General Election as 21 MP’s Defy Whip
Cyprus, the Easiest Route to EU Citizenship
A Help to Buy ISA is a government scheme helping you save for a mortgage deposit to buy your first home. You must be a first-time buyer to qualify and not own a property anywhere in the world.
Savings are tax free just like with any ISA product, however, a Help to Buy ISA gives you the added bonus of getting government contributions.
How does the Help to Buy ISA work?
The government tops up your contributions by 25%, up to a maximum contribution limit of £12,000. In other words, for every £200 you save, the government will contribute £50. This means you can earn a maximum of £3,000 from the government.
The minimum amount you need to save in order to qualify for a government bonus is £1,600 (which gives you a £400 bonus).
You can start off your ISA with an initial deposit of up to £1,000 which also qualifies for the 25% boost from the government.
Remember, Help to Buy ISAs are available to each first-time buyer, not each home. So, if you’re buying a property with your partner, you’ll be able to get up to £6,000 towards your deposit.
Help to Buy ISAs are available until 30 November 2019. They won't be available to new savers after this date, but if you opened your Help to Buy ISA before then you can keep saving into your account. You must claim your bonus by 1 December 2030.
Word of the Day
Land Transaction Tax (LTT)
LTT replaced Stamp Duty, which still applies in England, in Wales in 2018.
If you’re buying a home in Wales costing more than £180,000, you’ll have to pay Land Transaction Tax (LTT) on your purchase.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
Women Need to Invest More Money to Secure Future Prosperity
Government Help to Save Scheme for low paid 96% undersubscribed
10 TIPS TO GET OUT OF CONSUMER DEBT USING THE M.A.N.A.G.E. D.E.B.T. SYSTEM
A few days ago, I talked about how women are saving a lower proportion of their income than men. Today I discover that savers are failing to take advantage of a new UK Government scheme, as figures reveal that more than 96% of those eligible are missing out on a 50% top-up bonus worth up to £1,200.
The Help to Save account, launched last September, was designed to encourage people on low incomes to save for their future. However, statistics released by HM Revenue & Customs show that only 132,000 of the 3.5 million people eligible have opened an account.
The scheme allows people on welfare benefits, such as working tax credit and universal credit (combined with certain level of household income) to save up to £50 a month, or £600 per annum, for four years, which will be topped up by the Government by 50p for every £1 saved.
The Help to Save accounts can be held for four years, with a maximum of £2,400 saved with a further £1,200 paid in by the Government.
Anna Bowes, of Savings Champion, the comparison site, told the Telegraph that whilst the Government should be encouraging people to save she was not surprised by the low take-up.
“A lot of this group will not have any spare money to save so it’s not surprising that there’s not been a huge take-up,” she added. “For a lot of people on lower incomes, saving and investing aren't going to be very high on their list of priorities. That being said, it’s encouraging to see 132,000 people have been able to take advantage.”
Ms Bowes questioned how well the scheme had been publicised, since most people have no idea it exists.
But HMRC argue that account holders were already eligible for £14m in bonuses. Tax free bonus payments are allocated every two years. Claimants can only open one account.
John Glen, the economic secretary to the Treasury, said: “Saving shouldn’t be seen as a luxury but as an essential part of planning for the future.
“That’s why I launched the Help to Save scheme last year, and it’s been great to see so many people using it to put money aside for themselves and their loved ones.”
Word of the Day
Universal Credit is a state benefit which is replacing 6 other benefits with a single monthly payment if you're out of work or on a low income
Universal Credit will replace the following benefits:
· Child Tax Credit
· Housing Benefit
· Income Support
· income-based Jobseeker’s Allowance (JSA)
· income-related Employment and Support Allowance (ESA)
· Working Tax Credit
If you currently receive any of these benefits, you cannot claim Universal Credit at the same time.
Universal Credit, being rolled out across the country, has been criticised by landlords with tenants on housing benefit for being slow to start.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
Women Need to Invest More Money to Secure Future Prosperity
Earn 25% Tax Free Bonus with Government Help to Buy ISA but only if you start before 30 Nov
British and American household debt had reached record levels, despite high employment, low taxes and historically low interest rates.
In the UK, the TUC has called for higher pay rises to solve the problem, but we know that is not always the answer. If you cannot manage small amounts of money, chances are you will not manage larger sums. Unless you change your habits, that par rise or bonus will be blown on more stuff or another holiday before you even receive it.
I cover more on managing money in my book on money, but in the meantime, here is:
THE M.A.N.A.G.E. D.E.B.T. SYSTEM – 10 TIPS TO GET OUT OF CONSUMER DEBT FOR GOOD:
M.A.N.A.G.E. D.E.B.T.
MAKE A LIST
AXE NON-ESSENTIAL OUTGOINGS
NEVER PAY THE MINIMUM PAYMENT ON A CREDIT CARD
APPLY FOR A BALANCE TRANSFER CARD
GENERATE EXTRA CASH
ENTITLEMENT TO BENEFITS OR WELFARE SUPPORT
DON’T IGNORE BILLS OR DEMANDS
ENTER INTO AN ARRANGEMENT
BE PROACTIVE AND ASK FOR HELP
TAKE YOURSELLF OFF CONSUMER DEBT FOR GOOD
Bonus Tips
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Never use expensive payday lenders, unless you have no other choice, and especially unauthorised doorstep lenders will charge you a small fortune interest.
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Start building your credit rating by making repayments on time and clearing credit cards faster. The higher your credit rating, the more access you will have to cheaper finance and the less you will be dependent on expensive credit.
Word of the Day
IVA
Individual Voluntary Arrangement
In England and Wales, an individual voluntary arrangement (IVA) is a formal alternative for individuals wishing to avoid bankruptcy.
The IVA was established by and is governed the Insolvency Act 1986 and constitutes a formal repayment proposal presented to a debtor's creditors via an insolvency practitioner. Usually (but not necessarily), the IVA comprises only the claims of unsecured creditors, leaving the rights of secured creditors largely unchanged. Insolvency practitioners charge initial and ongoing fees that are in addition to the debt.
An IVA is a contractual arrangement with creditors and can be as flexible as an individual's own circumstances; they can therefore be based on capital, income, third party payments or a combination of these.
In this process, a debtor who has enough money left over after priority creditors and essential expenses, may be able to arrange an individual voluntary arrangement.
Based on taking independent advice, debtors with less serious problems may wish to consider a debt management plan.
The procedure for businesses is the company voluntary arrangement. There is also Administration where the business is effectively run by an appointed administrator. In the US, companies can take advantage of Chapter 11 rules and many companies have come back from this, including some owned by Donald Trump
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
See also:
How to get bursaries and assisted places for top private schools
The average British woman invest half the amount they spend on treats, such as clothes, beauty products, gym classes and eating out, says entrepreneur and former Apprentice contestant Jackie Fast.
Writing for City Matters, Jackie said they spend £211 per month on day-today treats, but only £98 on saving and investing.
Jackie did further research and found that women invest 40% less than men.
Whilst there are reasons why woman cannot always invest as much as their male counterparts, such as career breaks and the gender pay gap, women need to up their game when it comes to money management.
As a former financial advisor, I frequently saw women leave the all household finances, such as mortgages, pensions and savings, to their male partner or husband.
This often led to disastrous consequences during times of divorce or widowhood.
Women to take control of their own finances, separate from the family budget. Finance is still not widely taught in schools, so it does require some effort.
See an independent financial advisor or better still learn more about finances through reading quality newspapers and books on money, seminars and courses, or by taking a financial advisor course, as advised in one of my earlier Money Tips podcasts.
Word of the Day
Derivatives
A derivative is an arrangement or product, for instance, as a future, option, or warrant, where the value derives from the value of an underlying asset, such as a commodity, currency, or security.
Due to major growth sector in financial markets the trade in so called derivatives has grown.
In the financial markets, share prices, bond prices, currency rates, interest rates and dividends go up and down, creating risk. Derivative products are financial products which are used to control risk or paradoxically exploit risk. It is also called financial economics.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Parliament Torn Apart by Brexit - Johnson will table a motion for an October General Election.
The government lost a key vote tonight which could delay Brexit 31 October and will have consequences on the UK for years to come.
A general election is on the cards as Boris Johnson warns MP’s that if the government loses the vote tomorrow on the Bill to delay Brexit and outlaw a ‘no deal’ exit of the European Union.
Other news:
· M&S to drop out of FTSE100 Index.
· Restaurant Group shares drop as it announces closures.
· Manufacturing output down.
· Pound falls again.
· Gold price rises on uncertainty – up 35% in last 12 months.
Word of the Day
Cash ISA
In the UK, investors can invest in a cash ISA and pay no tax interest, which is taxed in non-ISA deposit accounts. The annual tax-free ISA allowance is £20,000, with ome accounts also allowing you to transfer in money invested in the previous tax year so you can maximise returns on all your tax-free savings.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
The pound has continued to fall on currency markets amid intensified political uncertainty over Brexit, the BBC reports today, although a couple of cents against the dollar is hardly a catastrophe.
Rumours of a possible snap general election dragged sterling further down, as MPs pushed for a further three-month Brexit extension.
Against the dollar, the British pound fell more than a cent to $1.2050, while against the euro, it fell below the €1.10 mark.
Prime Minister Boris Johnson, who last week said he will suspend parliament, has repeatedly insisted that the UK is ready to leave the EU without a deal, despite his own MP’s threatening to revolt against the government.
Over the weekend, government whips were summoned to the Prime Minister’s Chequers residence where they were given orders to warn Tory MPs that they face deselection at the next election (which could be in a matter of weeks) if they rebel against the party line.
Brexit, currently scheduled to happen on 31 October, is causing uncertainty business and needs to be settled one way or the other.
If he calls a general election this year, it will be the third one in four years and the fourth election if you include the 2016 EU referendum vote.
Despite petitions and mass demonstrations against the suspension of parliament, Johnson’s rating actually increased, intensifying speculation that he may call for an early election to strengthen his wafer-thin DUP-backed majority and scupper opposition attempts to block brexit.
Finally, the Sunday Mail reported yesterday that Labour’s Shadow Chancellor, John McDonald, plans to put the brakes firmly on the buy-to-let market and give private tenants the ‘right-buy-buy’ their rented property at a discount.
Word of the Day
Commodity Markets
A commodity market trades in the primary economic sector in commodities, such as cocoa, fruit and sugar. Hard commodities are mined, such as gold and oil. Investors access about 50 major commodity markets worldwide with purely financial transactions increasingly outnumbering physical trades in which goods are delivered. Futures contracts are the oldest way of investing in commodities. Futures are secured by physical assets. Commodity markets can include physical trading and derivatives trading using spot prices, forwards, futures, and options on futures. Farmers have used a simple form of derivative trading in the commodity market for centuries for price risk management.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Weekly News Round Up 010919
In this episode:
Is China orchestrating Hong Kong riots in order to justify an invasion?
Is China’s economy built on a house of cards?
Why the HK rich are looking at Golden Visas, such as Cyprus, to protect their money.
Also:
Markets settle after a turbulent week.
Recession Coming World Markets Tumble?
Trump’s China tariffs kick-in as trade war threatens world’s economies with recession.
6 Trump Tweets wipes $500 billion off shares in one day
Why is 12-hour-day-work proponent Jack Ma retiring and stepping down as CEO of Alibaba?
Brexit saga heats up as Boris Johnson prorogues parliament causing British Pound to tumble.
Fire Movement’s extreme saving, promising early retirement and way out of the rat race.
How to use Power of Compound Interest to build wealth.
35 Year Mortgages Help First Time Buyers
Word of the Day
Markets
In financial terms, a “market” is a market in which people invest and trade in financial securities and derivatives. Examples of securities shares, stocks and bonds, and precious metals.
The term "market" is also used for exchanges, organizations that facilitate the trade in financial securities, e.g., a stock exchange (e.g. London or Wall Street) or commodity exchange.
Within the financial sector, the term "financial markets" is often used to refer just to the markets that are used to raise finance: for long term finance, the Capital markets; for short term finance, the Money markets. Another common use of the term is as a generic term for all the markets in the financial sector, as in the examples listed below.
Capital markets which consist of:
· Stock markets, enabling companies to raise finance through issues of shares or stock, and provide a secure trading platform to investors.
· Bond markets, provide financing for governments and companies through bonds issues, and provide a secure trading platform to investors.
Other markets:
· Commodity markets.
· Money markets.
· Derivatives markets.
· Futures markets.
· Foreign exchange markets - FOREX.
· Cryptocurrency market.
· Spot market
· Interbank lending market
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
When I was growing up, my mother was stingy by necessity and bought the cheapest food and clothes she could find. I was embarrassed by this, as in those days it was not cool to be frugal.
Fast forward to the present and it has become fashionable and even cool to be stingy, frugal and penny pinching.
Shops like Primark, money saving comparison sites and online stores like Amazon have all boomed in the last few years.
In my book, Yes, money can buy happiness, and my Money Tips podcasts, I obviously promote saving and investment and earning more than you spend. However, a movement in America called F.I.R.E. takes stinginess to a whole new level.
The seeds of the FIRE movement can be traced back to the 1992 best-selling book Your Money or Your Life written by Vicki Robin and Joe Dominguez, and the 2010 book Early Retirement Extreme by Jacob Lund Fisker.
Followers of the F.I.R.E. or “financial independence” and “retire early”, movement, originating in the US, practice extreme forms of money saving to achieve their goal of early retirement and financial independence.
Devotees target savings of up to 70% of their annual income, which they invest for the long term. Their aim is to build a savings pot of 30 years’ worth of living expenses which they typically keep invested in low-cost tracker funds, withdrawing a maximum 4% every year in the hope they will never spend their capital.
There are a number of obvious flaws in the F.I.R.E. plan....listen for more....
In reality, scrimping and saving alone will not make you rich, and will probably leave you feeling stressed and miserable. Think of yourself as a business, a money-making machine. Like any business, you need to generate income, capital and investment returns, as well as keeping an eye on the purse strings.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
End of a Turbulent Week
It’s Friday and it has been a tumultuous week.
Shares recovered from last week’s fall on hopes that the Trump-China trade dispute will be settled soon.
Economies of China and India are slowing and property sectors look to be over geared. Could this cause another banking crisis?
Boris Johnson prorogued Parliament causing a storm of protests with people taking to the streets and court cases started to block him.
Two surveys come out this week which show that consumer confidence and business confidence are both falling.
Consumer spending and borrowing are also down.
The nationwide building society reports that property is barely growing at the moment.
Economic signs are not looking good so it’s not the time to be taken on a huge risky commitment went in the shop in the High Street.
On the other hand, office property in the city has been snapped up despite the doom and gloom around Brexit.
If markets fall and we going to recession it will be a buyers market for businesses, property and shares.
Word of the day
PE Ratio
The price-earnings ratio, also known as P/E ratio, P/E, or PER, is the ratio of a company's share (stock) price to the company's earnings per share. The ratio is used for valuing companies and to find out whether they are overvalued or undervalued.
For example, if share in xyz PLC is trading at £24 and the earnings per share for the last 12-month period is £3, then share xyz PLC has a P/E ratio of 24/3 or 8.
In other words, the buyer of the share is investing £8 for every one pound of earnings.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
How many hours a week do you work?
The outspoken Chinese billionaire, co-founder of the online giant Alibaba supports a 9am to 9pm working day, six days a week.
While European countries moves towards shorter working hours – I’m not sure they can get much shorter in France - and more time off, Jack Ma calls for a "996 system", which he describes as an opportunity and a “blessing”.
Mr Ma recently wrote that without this formula, China's economy was "very likely to lose vitality and impetus".
Fellow superrich tech entrepreneur Richard Liu, the boss of ecommerce giant JD.com, supports Ma’s 12-hour-a-day system.
Mr Liu said decades of unprecedented economic growth in China had created more "slackers".
The two entrepreneurs do not appear to care much about their employees having a life outside of work, especially when you add up to two hours uncomfortable commuting time to his “996” formula, which probably ends up closer to 7-11-6.
The communist state has seen economic growth averaging 10% for more than 25 years, from the 1970s into the mid-2000s, which has since levelled out at around 6%, a rate that the U.S. and Europe would die for.
In 1998, Liu founded his company that became JD.com. His work ethic is well documented, saying he would set his alarm to wake him up every two hours to offer his customers a 24-hour, service.
He wrote: "JD in the last four, five years has not made any eliminations, so the number of staff has expanded rapidly, the number of people giving orders has grown and grown, while the those who are working have fallen.
"Instead, the number of slackers has rapidly grown! If this carries on, JD will have no hope! And the company will only be heartlessly kicked out of the market! Slackers are not my brothers!"
Following earlier business successes, including a website building company, Ma co-founded Alibaba, often referred to as “China's eBay”, in 1999 and has developed it into one of the world's biggest internet companies.
In my new book, I write about Jack Ma’s story of how he went from teacher to billionaire using other people’s money (OPM) and investment to grow his business.
Alibaba's market value is now approximately $490bn (£374bn), and Mr Ma's personal wealth is estimated at around $40bn.
Last year, Ma said he will step down as executive chairman in the near future.
Most driven business owners do not just work a 9 to 5 day, unlike their employees who do not have the same skin in the game.
However, there is an argument that working long hours can be counter-productive beyond a certain point. An U.S. Department of Health and Human Services study, Overtime and Extended Work Shifts: Recent Findings on Illnesses, Injuries, and Health Behaviors, found that working beyond eight hours a day posed health risks and offered little productivity.
When I was running a company with staff, the owners worked long hours, but we found that working into the night was unproductive, caused fatigue which led to more errors. Our best employees arrived on time, worked efficiently throughout the day getting their work done and left on time leaving a clear desk.
Some corporations may regard employees as expendable pawns in the game of business, or dismiss burnout as an occupational hazard. The most profitable companies invariably look after their staff with good pay and conditions which bring out the best in people.
Who says 8 hours is the standard working day anyway? Some people can comfortably put in a 10 or 12 hour day, especially when they are doing something they love. Many professionals, such as doctors and lawyers regularly pull 50 to 60 hour weeks. Not everyone has the same desire or stamina. Do whatever is right for you and look after your health and body, as without this you cannot work or enjoy life to the full.
British Pound down to $1.22 and E1.10
Shares up and down
Reminder about PPI deadline – 2 days to go!
Hong Kong crisis – Golden Visas
What is a Golden Visa?
In simple terms, it is a visa in return for money or investment into the host country.
Applicants can secure permanent residency in Europe or Cyprus, a member of the European Union, through investment in real estate. The programme is one of the fastest and simplest investor visa programmes in Europe. It requires investment of just €300,000 into property to gain the Cyprus residency permit. The residency visa is granted within two monthsand covers the whole family. It includes parents of both the main applicant and spouse plus dependent children up to the age of 25. It is valid for life and can be passed down to dependents and spouse.
The permanent residency programme offers ease of travel throughout the European Union and requires just one visit to Cyprus by all family members once every two years. The investment may be made by a company for which the main applicant and spouse are beneficial owners. The investment can be in to a maximum of two properties provided they reach the €300,000 permanent residency limit. The properties purchased must be brand new.
If you would like further information, drop me a line.
Word of the Day
Index
What Is an Index?
An index is an indicator or measure of something, and in finance, it typically refers to a statistical measure of change in a securities market. In the case of financial markets, stock, and bond market indices consist of a hypothetical portfolio of securities representing a particular market or a segment of it. (You cannot invest directly in an index.) The S&P 500 and the US Aggregate Bond Index are common benchmarks for the American stock and bond markets, respectively.
DOW Jones Index
FTSE100 or FTSE250 Index
You can invest in an Index Tracking Fund or ETF.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook
What does BREXIT and leaving the EU on WTO terms actually mean for the UK?
Listen to this jargon-busting episode.
Word of the Day
WTO
The World Trade Organization (WTO) is the only global international organization dealing with the rules of trade between nations. At its heart are the WTO agreements, negotiated and signed by the bulk of the world’s trading nations and ratified in their parliaments. The goal is to ensure that trade flows as smoothly, predictably and freely as possible.
The WTO has over 160 members representing 98 per cent of world trade. Over 20 countries are seeking to join the WTO.
Despite MPs voting against a no deal in March 2019, it still remains the legal default for Brexit until some kind of withdrawal agreement is passed by Parliament. A no deal Brexit would mean we leave the EU, as well as the single market and customs union, and begin trading with the EU on WTO terms.
Under WTO rules, countries set their own import rules, so a no deal Brexit means that the government could, in theory, allow goods and services from all countries across the world to be imported into the UK without tariffs or quotas.
But it doesn’t mean other countries would have to do the same, meaning that UK exports to those countries would, in many cases, face tariffs and restrictions.
In any case, the government have said that under a no deal Brexit scenario, tariffs would still apply to 13% of goods (by value) imported into the UK for up to 12 months. During that time it will undertake a review on a long-term approach to tariffs.
Another way of thinking about free trade is that the UK would be able to decide for itself how trade with other countries would operate. In the longer-term a no deal Brexit would give the UK the greatest agency over its future trade deals, although the exact terms would have to be agreed in negotiation with each individual country. These deals would likely take years to negotiate. Source: https://fullfact.org.
Formation
1 January 1995; 24 years ago
Type
International trade organization
Purpose
Reduction of tariffs and other barriers to trade
Headquarters
Centre William Rappard, Geneva, Switzerland
Membership
164 member states
Official language
English, French, Spanish
Director-General
Roberto Azevêdo
Budget
197.2 million Swiss Francs (approx. 209 million US$) in 2018.
Staff
640
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook
Albert Einstein once said that compound interest was the most powerful force on earth.
What is compound interest?
In simple terms, compound interest is the effect of interest being earned, paid or on interest.
If you had £100 in the bank earning 7% interest per annum at the end of the year you would have £107. In year two, you are earning 7% on £105, not £100.
The Rule of 72
If you did not touch the interest or savings and the interest continued at 7% per annum how long would it be before your money doubled?
The answer is just over 10 years.
Look at it from another point of you, if you have a credit card debts rolling up at 20% per annum, how long would it be before your debt doubled in size? The answer is just over three years. However, let’s assume you are paying the minimum 2% off of your debt balance, and for the sake of this exercise we assume that effect is that you will be paying 18% on the debt. It would still only take four years before your debt has doubled in size. Furthermore, just paying the minimum payment on your balance would probably take decades before you could clear it.
I’ll give you a quick way to work out how long are some doubles based on an interest rate. It’s called the rule of 72.
If you divide the interest-rate that you are earning into 72 or take 72 and divide it by the interest-rate this will give you the approximate number of years will take to double.
In the above example, if you’re earning 7% per annum, seven into 72 is just over 10, therefore it will take just over 10 years before your money will double.
If I offered you the choice of either £1 million for one penny doubled every day for 28 days, which would you accept? The obvious answer is to take the £1 million, but you’d be wrong to take it, As one penny doubled and compounded over 28 days comes to £1,340,000. Amazing isn’t it. Day one, one penny, day two, two pennies and so on until day 27 it is £650000.
Word of the day
Compound interest and the Rule of 72.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook
Weekly News Roundup 260819
Word of the Day
ETF
An exchange-traded fund (ETF) is a fund of securities—such as stocks—that tracks an underlying index, for instance, the SPDR S&P 500 ETF (SPY), which tracks the S&P 500 Index. ETFs can also contain many types of investments, including stocks, commodities - such as Gold and Silver - bonds, or a mixture of investment types. An exchange-traded fund is a marketable security meaning it has an associated price that allows it to be traded or bought and sold.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
6 Trump tweets wipe $500 billion off U.S. stocks in one day - $83 billion a tweet!
The stock market lost over $300 billion in value in 15 minutes due to six tweets from President Trump. He even joked about the Dow being down later in the day as investors lost over $500 billion on Friday.
The Dow Jones closed 623 points down on Friday following the Trump tweets calling Fed the “enemy” and imposing new tariffs on Chinese imports from September.
Forbes reported that in the course of 2 minutes on Friday President Trump unleashed 6 tweets about Fed Chairman Powell’s speech at the central bank’s Jackson Hole annual economic policy symposium and China announcing that it would impose 5% to 10% tariffs on $75 billion of U.S. exports to China. The stock market reacted immediately and intensely negatively to Trump’s first set of tweets sending the Dow Jones 30 Industrials down about 400 points in 15 minutes and 500 points within an hour.
While the Dow and other indexes were essentially flat to up a bit during and after the Fed Chairman’s speech, the 120 seconds of tweets erased over $300 billion in value in those 15 minutes and the markets fell further during the day. Trump followed up with 4 more tweets later in the day, one of which was joking about the Dow dropping 573 points as investors had lost almost half a trillion dollars. For the day over $500 billion in equity was erased.
That’s $83 billion per tweet!
As the trade war escalates like a high-stakes poker game, shares started to tumble around the world and could be the trigger for another black Monday when markets open in Asia and then Wall Street. London will be closed for a public holiday on Monday 26 August.
Although markets had settled after earlier steep falls, Money Tips predicted that this would not be the end of market turbulence.
Word of the Day
Correction
What Is a Correction?
According to Investopedia, ai the world of investments, a correctionis generally defined as a decline of 10% or greater in the price of a security from its most recent peak. Corrections can happen anywhere including individual stocks, the indexes that follow stocks or sectors, the commodities and currency markets, or any asset that trades on an exchange.
· A correction is a decline of 10% or greater in the price of a security, asset, or a financial market.
· Corrections can last anywhere from days to months, or even longer.
· While damaging in the short term, a correction can be healthy, adjusting overvalued asset prices and providing buying opportunities.
A Stock market crash is a sudden dramatic decline of stock prices across a significant cross-section of a stock market, resulting in a significant loss of paper wealth. Crashes are triggered by panic or an event, as much as by underlying economic factors. They often follow speculative stock market bubbles or long bull runs.
Significant crashes occurred in 1929, 1987 and 2008, but smaller crashes have happened in between those dates.
If you would like to learn how to invest in the stock market and make money whether the market is going up or down, drop me a line on FB or at charles@charleskelly.net.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Universal credit is responsible for tenants on benefits falling behind with rent, according to the Residential Landlords Association (RLA).
The RLA said 54% of landlords had reported tenants on the benefits go into arrears in the last year.
The BBC reports that Debt charity Turn2Us warned universal credit will lead to "more rent arrears, more evictions and more homelessness".
The Department for Work and Pensions (DWP) said landlords had reported seeing fewer claimants in arrears in the last year.
David Smith, policy director for the Residential Landlords Association (RLA), said it was taking too long for people struggling on universal credit to get the help they needed.
"The system only provides extra support once tenants are in rent arrears. Instead, more should be done to prevent tenants falling behind with their rent in the first place.
"Only then will landlords have the confidence they need that tenants being on universal credit does not pose a financial risk they are unable to shoulder."
Tenants have also experienced difficulty if finding landlords who will accept benefits claimants.
David Samson, welfare benefit specialist at Turn2Us, said the large number of people on universal credit in rent arrears was "a devastating example of the crippling issues with the benefit".
"The five week wait for universal credit married with the reality that it is just less generous than previous benefits will only conclude with more rent arrears, more evictions and more homelessness unless the government takes immediate action to fix some of the glaring problems."
Chris Town, a landlord in Yorkshire for 31 years, told the BBC that his tenants are "all worried about universal credit; they're terrified they're going to lose the benefit".
The experienced landlord said the introduction of the benefit since 2018 had caused many problems.
"You give people time to sort things out, but I'm waiting three months for arrears in some cases."
He added that there are problems getting access to information. "Up to now with housing benefit we've dealt with the local authority directly which means information was easy to access.
"Under universal credit it's not as accessible and you're not really sure what's going on."
Universal credit has replaced six benefits, including housing benefit, and merges them into one payment. It's gradually being rolled out around the country, but there are concerns that some claimants have seen their overall support cut.
RLA research revealed that 68% of landlords said there was a shortfall between the cost of rent and the amount paid in universal credit.
Are you a landlord with tenants on benefits or a tenant claiming Universal Credit? Money Tips would like to hear your views.
Word of the Day
Fiscal
A term used in public or government financial matters. Fiscal year, fiscal report.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
You must keep on top of your finances and life in general otherwise the weeds will take the garden, as Jim Rohn used to say.
When does it end? When can you relax? Never.
Word of the Day
Tenure
In property terms, it’s the conditions under which land or buildings are held or occupied. Examples of tenure in the UK include, Freehold or Leasehold.
There are more examples and practical steps to getting rich, staying rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK has enjoyed a boom in new tech investments from overseas and has attracted £5 billion in the first seven months of this year, the BBC reports today.
Word of the Day
IPO – Initial Public Offering or stock market launch is a type of public offering in which shares in a company are sold to institutional investors and usually also retail (individual) investors - raising investment using OPM.
The IPO is underwritten by one or more investment banks, which arrange for the shares to be listed on one or more stock markets, such as the London Stock Exchange or on one of the Wall Street markets.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Kylie Jenner – The Entrepreneur who is defying the odds
A 20-year-old near-billionaire who does not have a college degree is in the process of dismantling decades worth of bunk economic theories crafted by those long on degrees, but short on common sense.
Entrepreneur Kylie Jenner started Kylie Cosmetics in 2016 ago with one product - a $29 lip kit. Forbes reported in 2018, that she “had sold more than $630 million worth of makeup since.”
Jenner owns 100 percent of a company that Forbes estimates is worth more than $800 million. Jenner is on track to become the youngest self-made billionaire ever.
Kylie Jenner the Modern Entrepreneur
Even more remarkable is how Jenner built the billion-dollar business without a large company or major investors and minimal setup costs, staff or infrastructure. She owns 100 percent of her business. Start-up costs were low and she employs just seven full-time and five part-time staff. All the manufacturing and packaging, along with sales and fulfilment, are outsourced.
Making a billion is easier in the digital and social media age. As Jenner told Forbes, “I have such easy access to my fans and customers.”
Whilst most entrepreneurs in the cosmetics business would have huge marketing costs, Jenner’s got this covered of through her 115 million Instagram followers and even more on Snapchat.
John Tamny, Director of the Center for Economic Freedom at FreedomWorks, sates in his new book, The End of Work, that Millennials will be the richest generation in the history of the richest nation in the history. Maybe, until Jenner's generation eclipses the Millennials. The young understand and embrace the technology best.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Chancellor Sajid Javid ends speculation that he will make sellers pay Stamp Duty, instead of buyers. Thank goodness for common sense, as the plan was fraught with difficulty..
Stock Markets settle.
Invest in yourself and your education.
Word of the Day
Dividend or Divi.
When you own a share in a business, the board of directors of the company can declare a dividend, or share of the profits, to the shareholders who are the owners of the company.
If you invest in shares, you can benefit from capital growth (assuming you have done your research, invested in a good company and the share price rises over time) and income from annual dividends, typically 3-5% of the value of the share.
Learn how to invest, and always take independent financial advice.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
What should investors do when the stock market is at an all time high and recession looms?
Fund Managers tell Investors to “stay calm” and stay invested in the market.
On Wednesday 14 August 2019, the US stock marker suffered its biggest one day fall since October and the Dow Jones had its sixth worst day in history. Markets recovered by the end of the week when President Trump deferred a tariff increase on Chinese imports.
As markets reel and recession appears to be around the corner, The Times interviewed leading experts and economists working for fund managers or insurance companies. These are the people who control billions of pounds worth of investments on behalf of millions of savers and investors in pooled managed funds, from pension funds to unit trusts (mutual funds).
Not one expert recommended getting out of the market, even though some admitted that the price of shares could fall.
Helena Morrisey of Legal and General advised investors to “stay calm”, which is always easier when it’s not your money at risk.
She continued:
“Private investors should resist the temptation to cash in their portfolios” and adds.
By selling in anticipation of possible losses, investors may miss out on the gains that often follow declines in share prices”.
In this volatile market, what would you rather do: miss out on a potential gain, or avoid a potential loss?
James Thomson, the manager of the Rathbone Global Opportunities Fund, astonishingly says:
“I will be sticking with my long-term strategy and not be distracted by market turmoil. I will be using and market dips to top-up some of the positions in my portfolio”.
This is bullshit.
Who do they think they’re kidding?
Of course they want you to “stay invested” in their funds, because that’s how they get paid – they earn billions from management fees and fund charges on your money.
My advice is simple.
Firstly, take independent financial advice if your adviser tells you to “stay calm” and “stay invested”, find another adviser.
Secondly, take a course and learn how to invest in the stock market yourself, or invest in something else you understand, rather than leaving it to highly-paid fund managers, most of whom do not even beat the market average.
If you would like to learn more about investing in your spare time, email me at charles@charleskelly.net or message me through our Money Tips Facebook Community.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
What should investors do when the stock market is high and recession looms?
A lot of people say, “you need money to make money”, which is not strictly true.
Yes, some projects do require investment, but I’ve started many businesses with no money and just my efforts. TV money expert Martin Lewis started his Money Saving Expert website for £200 and sold it for millions and describes it has his greatest ever investment. I would say the same about my business investments where my ROI has been infinite.
Assuming you do need money for a project, does it need to be your own money? Of course not!
People have bought and sold businesses, properties and funded projects, expeditions, corporate takeovers for centuries using Other People’s Money (OPM).
7 ‘no money down’ property strategies
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JV – joint venture with someone who has cash to invest but not the time.
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Rent to Rent – control property and rent out for a profit.
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Refinance – draw off equity by remortgaging your, or someone else’s, property.
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Crowdfunding – sourcing funds from groups of investors.
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Lease Options – buy now, pay later with option, but not the obligation to buy.
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Rent to buy – rent now, buy later.
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Serviced Accommodation – start a serviced accommodation business with leased properties.
Word of the Day
ROI / Yield
What is Return on Investment (ROI)?
“Investopedia describes ROI as:
Return on Investment (ROI) is a performance measure used to evaluate the efficiency of an investment or compare the efficiency of a number of different investments. ROI tries to directly measure the amount of return on a particular investment, relative to the investment’s cost. To calculate ROI, the benefit (or return) of an investment is divided by the cost of the investment. The result is expressed as a percentage or a ratio.”
I say, “what I am getting out of this deal?” or “what will I get back on my investment?”!
ROI is sometimes confused with ROC – Return on Capital.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
What is debt?
The English term "debt" was first used in the late 13th century and derives from "dette, from Old French dete, from Latin debitum "thing owed".
To the borrower, a debt is seen as a liability. To a creditor, a debt is an asset on their balance sheet.
Change your mindset and use debt as an asset and leverage to acquire assets.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
World markets tumble as inverted yield curve signals a recession.
Prepare for recession by eliminating the habit of spending and living off bad debt.
Keep an emergency savings cash buffer of at least six moths worth of outgoings.
If you’re starting a new business, I would advise against renting a shop in the High Street or signing leases for offices. If you must have an office, rent one of the many serviced offices, like Regus or We-Work, with a flexible short-term contract. The rent will be a little higher than a basic office room, but they provide you with telephone lines, answering service, photocopiers, printers, coffee machines, meeting rooms, cleaners and so on. The other advantage of a professional serviced office is that you will immediately look more credible and established.
You can also work from home while using an office accommodation address and answering service.
The internet has opened up a new world of learning, working, socialising and doing business. We no longer need to go back to school or university to learn new skills. We can work from home, start a business or find a new life partner all from the comfort of our home.
Amazon has also enabled thousands of authors to easily self-publish their books online, as I have with my book, Yes, Money Can Buy You Happiness! See link - http://bit.ly/2MoneyBook
If you want to quit the rat race and work from home, but can't quite replace your income from your paid job, why not try and gradually make the transition over a period of time?
You can learn how to get started on Amazon or Facebook by following the steps of people who have done all the hard work for you and now want to pass on their knowledge.
For more information on Amazon and Facebook courses email charles@charleskelly.net
The British Retail Consortium has asked the Chancellor, Sajid Javid to reform Business Rates to stop the decline of the High Street
The internet has opened up a new world of learning, working, socialising and doing business. We no longer need to go back to school or university to learn new skills. We can work from home, start a business or find a new life partner all from the comfort of our home.
Amazon has also enabled thousands of authors to easily self-publish their books online, as I have with my book, Yes, Money Can Buy You Happiness! See link - http://bit.ly/2MoneyBook
If you want to quit the rat race and work from home, but can't quite replace your income from your paid job, why not try and gradually make the transition over a period of time?
You can learn how to get started on Amazon or Facebook by following the steps of people who have done all the hard work for you and now want to pass on their knowledge.
For more information on Amazon and Facebook courses email charles@charleskelly.net
Word of the Day
Gearing
Financial gearing refers to the relative proportions of debt and equity that a company uses to support its operations. This information can be used to evaluate the risk of failure of a business. When there is a high proportion of debt to equity, a business is said to be highly geared.
Worldwide web inventor Tim Berners-Lee inventor has called for more control of the internet, which has changed everything in the last 30 years.
We can now self-publish articles, books, videos, live broadcasts and podcasts online.
We can buy, trade and sell online, which is destroying the high street as we know it.
Shop vacancies have hit a 4-year high, which means landlords (which could be your pension fund) are also suffering.
Amazon started 25 years ago and has grown from start-up to one of the most valuable public companies on the planet, with Mr Bezos now the world's richest man.
Starting as an online book retailer, it has become a global giant, selling multiple products and becoming the world's second-ever public company to hit a $1 trillion valuation.
Amazon has sales of over $234 billion and is expected to rise to over $300 billion by 2020.
One of the reasons the company has grown is their partner programmes which enables online entrepreneurs and retailers to sell goods on the Amazon platform at a fraction of the cost of setting up a physical store.
In the past, you needed technical knowledge and skills to set up websites and marketing ability to work online. You needed to find a way of driving traffic to your site. Amazon has solved these problems.
The internet has opened up a new world of learning, working, socialising and doing business. We no longer need to go back to school or university to learn new skills. We can work from home, start a business or find a new life partner all from the comfort of our home.
Amazon has also enabled thousands of authors to easily self-publish their books online, as I have with my book, Yes, Money Can Buy You Happiness! See link - http://bit.ly/2MoneyBook
If you want to quit the rat race and work from home, but can't quite replace your income from your paid job, why not try and gradually make the transition over a period of time?
You can learn how to get started on Amazon or Facebook by following the steps of people who have done all the hard work for you and now want to pass on their knowledge.
For more information on Amazon and Facebook courses email charles@charleskelly.net
Word of the Day
Leverage
Leverage simply means using a lever, or form of help, to make it easier to do something, whether it be buying an asset of moving a rock by amplifying your strength.
In financial terms, Ivestopedia describes leverage as using borrowed capital as a funding source when investing to expand the firm's asset base and generate returns on risk capital. Leverage is an investment strategy of using borrowed money—specifically, the use of various financial instruments or borrowed capital—to increase the potential return of an investment. Leverage can also refer to the amount of debt a firm uses to finance assets. When one refers to a company, property or investment as "highly leveraged," it means that item has more debt than equity.
You can also leverage your time and your life by using tools or employing staff and outsourcers. If you are not using leveraging in your life, chances are your life is being leveraged by someone else.
Are 100% Mortgages back? Well, almost. With a little help from the bank of mum and dad!
Word of the Day
Quantitative Easing
Printing money or pumping money into the economy. Used by central banks after the 2008 financial crash.
Quantitative easing, also known as large-scale asset purchases, is a monetary policy whereby a central bank buys predetermined amounts of government bonds or other financial assets in order to inject liquidity directly into the economy.
I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
This week in Money Tips Daily
- Protecting your pension pot from scammers - 5 million people at risk
- China-Trump Trade and Currency War
- Stock Markets Plunge around the world
- Preparing for a recession
- UK Economy Shrinks 2nd Quarter of 2019 for first time since 2012
- 1 Million more young adults living with parents than a decade ago
- Home repossessions up 40%
Word of the Day
GDP or Gross Domestic Product
The total value of goods and services produced by an economy based on three measures of a country’s economic activity:
- Output
- Expenditure
- Income
You can learn more practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, where I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Economy Shrinks in 2nd Quarter as 1 Million More Young Adults Still Living With Parents than a Decade ago 1 Million more young adults living with parents. Word of the Day Conveyance Legal term used to transfer title of a property from one person or body to another. Solicitors carry out conveyancing work during a property perchance. I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
As money pours out of shares, investors are turning to Bonds and precious metals, like Gold which has risen 30% in the last 12 months.
Financial Word of the Day
“Bear”
Bear Market, Bear Run, where markets are expected to fall – opposite to “bull” market.
Investors are feeling “bearish” about the US stock market on news of a possible US-China trade war.
I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
We heard of a pending trade war, now we have a looming currency war between China and the US.
What can you do to prepare for a recession?
Financial Word of the Day
“Bull”
Bull Market, Bull Run or the expectation the markets are going to go up.
Feeling ‘bullish’ about the market, which we expect to rise.
I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
5 Reasons Why A Stockmarket Crash Could Affect You Even IF You Don't Invest In Shares
What does the stock market crash into me when I don’t invest in shares?
A lot of people will be saying that they fall in the share prices of the world stock markets will make no difference to them, because they don’t invest in shares.
However, the value of the world’s largest companies indirectly affects everyone on the planet in one way or another.
- Confidence
The markets need the confidence to invest in new businesses and projects, which in turn provide jobs and prosperity. When markets are crashing and the value of companies is going down, there will be less money available to invest. A lack of confidence can ultimately lead to recession as people and businesses stop spending.
- Investment
People assume that investment comes from governments, but in most cases it comes from the private sector. Even if the government do invest directly, where do you think governments get their money?
- Taxes
Government money is raised through taxes on companies, through corporation tax, income tax most of which is paid by people working for companies, expenditure tax and various other taxes such as capital gains and inheritance tax.
When markets fall, companies will invest less, make less profits which means they’ll be less tax to collect by governments. This can lead to tax hikes or borrowing to make up the government expenditure shortfall.
- Takeovers and breakups
If the company’s share price falls below a certain level, it leaves them vulnerable to a hostile the takeover. In many cases, this will lead to job losses and closures as the new owners seek to maximise their short-term profits.
British companies have been subject to a raft of takeovers from foreign companies which, despite promises made, have often resulted in massive job losses when factories and divisions have been closed or moved abroad. Not all takeovers are directly the result of a stock market downturn, but it does leave companies weak and vulnerable to attack by predators.
- Pensions and managed funds
Even if you’re not directly invested in the stock market, your pension, insurance or managed fund almost certainly is. It goes without saying that if the value of the shares, or equities, on the stock market goes down, the value of your pension will follow. If you are in a defined contribution scheme, the value will full almost immediately, which can have devastating consequences especially if you are about to retire. People in a defined benefit or final salary scheme may not be directly hit unless the fund starts to run short of funds.
Learn how to take control of your Uconomy rather than the economy, which you cannot control. I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
Dow Jones closes down 767 points or 2.9% wiping billions off the value of companies after US China trade war escalates.
Take independent financial advice before “unlocking” or cashing in your defined benefit pension.
Weekly News Roundup 040819
Trump Trade War with China Backfiring
Gold Price Soar Since 2016
Mortgage Lending up in June
15 Year Fixed Rate Launched
Construction Sector Slows
Avoid comparison site car hire insurance rip-off paying twice for “comprehensive” cover.
I talk more about practical steps to managing your money, getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System, the Stars Who Lost it All and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
UK Base Rates Held as Bank of England Downgrade Growth Forecasts
Is this the time to consider a fixed rate mortgage?
If you feel that you have been short changed in any way by your bank, listen to my forthcoming interview with one of the UK’s leading experts in this field. He helps companies recover money taken unfairly from them by their bank.
If you have a question regarding this matter that you would like me to put to the expert, email me at charles@charleskelly.net
New 15 year fixed rate mortgage launched in UK at 2.55%.
How many new houses are actually being built in the UK?
PPI Deadline looms, as Lloyds sets aside a further £5 billion to cover claims.
Leading UK retailer is asking landlords to reduce its rents by up to 30% in return for extended leases.
In the news this week:
- Boris bounce following Boris Johnson’s election to No.10
- Possible reforms to Stamp Duty
- Investment into infrastructure in the North
- 15-year-old boy from Essex wins over $1 million in world e-sports final.
Before you depart for your well earned holiday, listen to these 3 quick Money Tips, which could save you a small fortune.
Looking for a good holiday read? Check out my new book, Yes, money can buy happiness. There are practical steps to getting rich and being happy including the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Order in paperback or Kindle version on Amazon http://bit.ly/2MoneyBook.
Foxtons Estate Agent's boss, Nic Budden, says the property market is the slowest since the 2009 crash, as the London based company reported a £3.2m loss this week.
You can acquire property with No Money Down using proven strategies.
Learn multiple no money down strategies by joining me at the next “No Money Down Weekend” seminar. I have a limited number of complimentary tickets.
For more information, email me at charles@charleskelly.net
Learn the secrets of NO money down property deals from experts this weekend in London.
You can acquire property with No Money Down using proven strategies.
Learn multiple no money down strategies by joining me at the “No Money Down Weekend” in London on 27 July. I have a limited number of complimentary tickets for the event, but you must apply by close of play Friday.
For more information, email me at charles@charleskelly.net
Boris Johnson was elected Tory leader today and will become the next Prime Minister of the UK, the 5th largest economy in the world, after Theresa May steps down tomorrow.
What are his chances of success?
Many years ago, are used to get a newsletter mailshot from a company recommending penny shares. Penny shares traded at 10, 20 or 30 pence per share, and the idea was that you could buy these ‘cheap’ shares in the hope that they will go up in value massively compared to buying a blue-chip stock.
The company was offering a paid newsletter subscription which would send you a monthly report on the penny shares to buy.
In reality, the shares were not cheap, the value was the same as the price. They were high risk investments that could’ve gone either way. Furthermore, the share price depends on a many factors including the number of shares issued.
In the same way, buying a property because the price seems cheap may not always be the best policy. Just because you see a property for £50,000, which looks cheap compared properties in another area, does not follow that you’re getting a bargain. You might be just paying £50,000 for a property that is worth £50,000. There may be a reason it’s worth £50,000.
You need to do your homework to ascertain whether or not the property is really worth £50,000 and to find out the real value of the property.
Value versus price
There is a difference between the price of something and the value. Sometimes the price of a property or share accurately reflects its true value, but not always.
As an investor, we are always aiming to buy a property or asset below market value, not below market price, so don’t be lazy and always do your research.
The stock market has been rising for over ten years and is due for a correction. The UK economy goes through a recession every ten years or so and the last downturn started after the 2007-8 financial crash. Economies go through cycles of boom and bust and it is at those times of low confidence when the markets drop, often irrationally, that you will find real below market value bargains.
Recessions are scary, but they do open up opportunities to acquire assets at greatly discounted prices. For instance, if and when the stock market has a correction, or crash, there will be a number of good company’s shares on sale at well below asset value. That will be the time to buy.
Now is the time to learn and do your research and have your funds or funding in place.
The same applies to property, even if you don’t have much cash. During property downturns when properties are at rock bottom prices, lenders typically restrict or even stop lending! I have witnessed this first-hand on a number of occasions when I knew there were bargains in London, but could not get the finance to buy them.
If I had known then what I know now, I would have been able to acquire those properties without using traditional mortgage lenders or mortgages.
Can you acquire property with ‘No Money Down’? Yes you can!
Learn multiple no money down strategies by joining me at the “No Money Down Weekend” in London on 27 July.
For more information, email me at charles@charleskelly.net
Pension scams cost Brits 4 billion a year and could be the next big financial scandal according to the Sun.
Problems started a few years ago after the then Chancellor George Osborne changed the rules to allow savers to access 25% of their pension pots tax-free from the age of 55. Thousands of people have since been scammed out of their money or made poor investments and lost everything.
In the past, we could not touch our pensions until age 60, but the rules have become more flexible leading to some people foolishly frittering away the money that would've otherwise bought a secure pension in an annuity for life during retirement.
We know that the average pension pot of someone in the 50s is around £70,000, indicating that there will be a major shortfall in pension savings for millions of people in 10-15 years’ time. An awful lot of people will be unable to retire and some could be homeless.
In other news, the current Chancellor Philip Hammond said he will resign from the government if Boris Johnson is elected leader. Hammond is a known remainer and, along with fellow remainer MP’s, may attempt to block Brexit.
The Brexit saga could run and run leaving the country and the EU in a state of limbo or uncertainty thus deterring investment.
A government thinktank recently warned that a no-deal Brexit could wipe 10% off UK property prices.
The United Kingdom has a recession around every 10 years and we are 10 years on from the last recession, so it doesn’t take a financial genius to work out that we are due for one in the next few years. However, it does take a genius to tell you exactly when the next recession will be!
In my experience, recessions often come from almost out of the blue triggered by an unexpected event, such as the 1970s oil crisis or the 2008 financial meltdown.
Currently, we have several possible causes of recession, including Brexit, the America-China trade war and increased tensions in the Gulf after Iran seized a British oil tanker.
Recessions are just part of life and they come and go, so we all need to prepare for lean times as well as good, like the Joseph story in the Bible. Joseph prophesised 7 good years, followed by 7 lean years and famine and told the Pharaoh to store grain during the good years. How many governments have enough grain in the store?
You need to ensure you are not carrying too much consumer debt or even too much good debt on properties or business when the downturn hits.
On the plus side, a downturn opens up opportunities to acquire assets at greatly discounted prices. For instance, if and when the stock market has a correction, or crash, there will be a number of good company’s shares on sale at below asset value. That will be the time to buy.
The same applies to property, even if you don’t have much cash.
Can You Acquire Property With No Money Down? Yes you can!
Learn multiple no money down strategies by joining me at the “No Money Down Weekend” in London on 27 July.
For more information, email me at charles@charleskelly.net
I'm going to read you and excerpt from a book:
Whatever may be said in praise of poverty, the fact remains that it is not possible to live a really complete or successful life unless one is rich. No man can rise to his greatest possible height in talent or soul development unless he has plenty of money; for to unfold the soul and to develop talent he must have many things to use, and he cannot have these things unless he has money to buy them with.
Man develops in mind, soul, and body by making use of things, and society is so organized that man must have money in order to become the possessor of things; therefore, the basis of all advancement for man must be the science of getting rich.
The object of all life is development; and everything that lives has an inalienable right to all the development it is capable of attaining.
Man’s right to life means his right to have the free and unrestricted use of all the things which may be necessary to his fullest mental, spiritual, and physical unfoldment; or, in other words, his right to be rich.
From the Science of Getting Rich by WD Wattles published 1910
This book influenced Napoleon Hill, who wrote think and grow rich many years later. His book went on to sell over 10 million copies.
Many of the ideas contained in both books are still relevant today. These and other authors inspired me to write my own book, 'Yes, money can buy happiness' and turn it into an online course.
This section on getting rich in the digital economy is taken from my book.
By the end of this, you will learn how the digital economy has changed everything and opened up more opportunities to get rich than at any other time in history.
We are living in the digital economy. The internet has changed everything and if you change, as Jim Rohn said, everything will change for you.
We can do things online right now, like trade shares or currencies in real time, that would have only been available to banks or trading houses a few years ago.
We can set up online stores using platforms like Amazon and eBay for a tiny fraction of the cost, and risk, of setting up a physical retail business.
There has never been a better time to earn money online and you don’t have to have a website or even invent your own products, and you definitely don’t have to be a technical IT expert.
More about this later. For now, keep in mind that you can take advantage of the new digital age economy, which gives the little guy a chance to compete with the big boys.
Sure, you can be happy as an employee or small business owner doing a job you love, but in most cases, this will not make you wealthy because there are only so many hours in a day and only so much energy you can give.
The fact that you’re reading this book or listening to my Money Tips podcasts probably means you are not happy with your current financial situation and you are searching for something more in your life? Maybe you once had hopes and dreams which have gradually been smothered by the daily grind of life? I want you to know that those dreams and ambitions are still alive inside you. They are waiting for you to take action by taking that first step.
It’s not your Ability, but your Mobility that will take you where you want to go.
There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.
How will Brexit, the slowing UK economy and increased taxes affect property?
In this episode, I look at the effects of Brexit, possible recession and tax on the future of UK property.
Can You Acquire Property With No Money Down?
Learn multiple no money down strategies.
Join me at the “No Money Down Weekend” in London.
Email me for more details at charles@charleskelly.net
Learn multiple no money down strategies from experts.
Join me at the “No Money Down Weekend” in London on 27 July.
Email me at charles@charleskelly.net fro complimentary tickets.
Amazon is running and Amazon Prime day shortly and will be running special offers in order to get people to buy more stuff.
If you are shopper, then you might pick up a few bargains on the other hand you might spend money on things you don’t need!
If you are a marketer, I assume you have already prepared for this day.
What is the point of these days?
It’s easy to be cynical about Black Friday, Christmas, January sales, Mother’s Day, Father’s Day, Easter and so on.
The aim is obviously to create an event and encourage people to buy.
Do you have to wait for those specific days? No, you can have your own events.
Rob Moore of Progressive recently merged two divisions of his company into one. Rather than just let it pass as an accounting event, he had a progressive day in which he had special offers on his courses, one off special deals...you get the picture.
Despite the fact that we are all shopping more and more online these days, good shopping malls are still thriving. Why, because they are a destination, an event and a meeting place.
I was recently in The Mall of Asia in Manila, one of the largest shopping malls in Asia. The owners son, Harley Si, once told me that it would take three days to visit every shop in the huge shopping city! They have free concerts, exhibitions and even fireworks and are always busy seven days a week.
That part of Manila Bay was once covered by water. People with great vision, such as the Si family, reclaimed the land and they have built five star hotels and casinos in an area that was almost forgotten. The aim is to make Manila the Las Vegas of Asia. A destination!
We need to do more than just offer a product or service and hope that people will buy it. Barnum was a master at this, as you can see in the fantastic movie The Greatest Showman.
In modern times, Richard Branson has always done some incredible stunts, such as flying around the world in the balloon, to market his brand!
Even if you have invented some entirely new and innovative products, you still have to marketed and promoted to get it out there.
Think about your business and what you can do to create an event or something special to encourage people to use your product or service.
To learn how to make money on Amazon, email me at charles@charleskelly.net
How to trace lost accounts and investments
A recent report explains how the UK government is planning to expand its dormant accounts scheme to include some pensions, shares, and bonds, and take our money and donate billions of pounds to charity, according to Hargreaves Lansdowne.
The scheme will eventually mirror the dormant account scheme where the provider hasn’t been able to get in touch with the investor for at least 12 years, and there’s been no activity on the account. If you hold only cash in your account then after six years it will be considered dormant.
Banks and insurance company’s charges and fees will not be dormant, but your account will be considered dormant!
Your money could be taken and “allocated” to good causes by the National Lottery Community Fund. However, the current dormant accounts scheme gives people the right to reclaim their money at any time in the future.
The dormant accounts scheme has been running since 2011, and £1.2 billion in so-called dormant bank and building society accounts has been earmarked for charity.
Listen to my 3 steps to help avoid losing your accounts...
- Simplify
- Record
- Reviiew
Find out where you can trace lost accounts and read the full article and podcast on my website www.moneytipsdaily.com
In my book, In my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, two of which are Record and Review. Check it out on Amazon http://bit.ly/2MoneyBook.
Check those subscriptions as you might be paying for a service you don’t use.
4 in 10 people forget to cancel subscriptions costing British people £338 million per month.
We’ve all done it, we sign up with the best intentions and then forget about it. Gym memberships, courses on trial or streaming films. Like me, you may be tempted by a free trial but find out later that you are still paying because you forgot to cancel after the free trial ended!
42% of people continue to pay for service they don’t use
A lot of these payments come out by bank direct debit but, which are easier to check by printing off a list of your bank direct debits or going into your bank and asking for a list of your bank direct debits (and standing orders). Direct debit’s and standing orders are easy to cancel at the bank or on your online apps.
However, a lot of online and American companies take recurring payments by credit card which are trickier to cancel and more difficult track unless you religiously check your credit card statement every month.
In my book, you can read about the ‘3 R’s of Money Management’, outlined in Part 3 on ‘How to Grow and Manage Your Money’. As I’ve said in previous podcasts, making money and keeping money are two different skills.
To cancel these, you have to contact the company, which can be difficult if you’ve lost contact details, all the credit card company.
Calling your credit card company, which is a mission in itself, frequently results in them telling you to contact the company and asking them to cancel the subscription. Not very helpful.
They are also reluctant to refund money or reverse the payment when you inform them that it has been taken in error.
That’s why I like using my Monzo card because it alerts me on my phone app every time a payment is deducted from my account. Saved me money recently when click funnels were taking too much money from my account as they had upgraded me without my permission.
Check out Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
www.moneytipsdaily.com
Should the British NHS Treat Anyone Free of Charge Regardless of their Residential Status?
Should non-residents be charged for healthcare services?
What's your view?
10 Tips on How to Survive and Thrive in a Recession
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Prepare for a recession because one always comes sooner or later.
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Save and create an emergency fund.
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Pay off and cut out consumer debt.
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Create additional or multiple income streams.
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Check on your investments and think about diversifying if you are heavily into equities or shares.
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Talk to your family or friends.
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Reduce expenses to live within your means.
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Be that indispensable employee so that money still is keeps coming in.
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Keep saving money as part of your budget.
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Avoid recession depression and try to enjoy life
Should you be bothered about the US inverted yield curve and what is it?
When the yield on a 10-year US Treasury Bond falls below three-month government debt it signifies a recession is on the way.
The gap between three month and ten-year yields has been negative before every American recession in the past 50 years according to the Financial Times.
The news comes as the troubled Deutsche Bank announced 18,000 job losses worldwide, which will affect its City of London operation where it employs 8,000 staff.
What should you do to prepare for a downturn in the economy? I’ll be going deeper into tips on surviving and thriving during a recession in part two of the podcast edition.
In my book, I talk about the wealthy who know how to preserve their ‘economy’ or what I call the ‘Uconomy’ and protect themselves whatever the outside economy is doing. They usually follow the ‘3 R’s of Money Management’, outlined in Part 3 on ‘How to Grow and Manage Your Money’. As I’ve said in previous podcasts, making money and keeping money are two different skills.
Read about money mindset in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
If you’re planning your holidays this year, make sure you have adequate travel insurance. Ignoring this advice could bankrupt you or leave you with a huge bill.
What is travel insurance?
Travel insurance covers things like medical expenses, trip cancellation or delays, lost or stolen baggage and personal liability while you’re travelling. The type of cover you need depends on the countries you’re visiting, the activities you’ll be doing on your travels, e.g. winter sports or summer holidays, and the length of your trip. Your age and health will also be a factor and you may need to find specialists providers. You’ll also need to state whether you want travel insurance for a single trip, multiple trips or for backpacking, as cover may vary and typical policies cover trips of up to 30 days at a time.
Why do I need travel insurance?
We love to travel, but accidents do happen, which can incur medical bills, delays, lost items and thefts. All of these unforeseen events can prove very costly if you’re not properly insured.
Whilst it sounds like a no brainer to take out insurance, which can sometimes cost as little as £10 for a short trip, 1 in 4 people do not take out any travel insurance for their holidays, according to Compare The Market.com. When you consider the minimal cost of a policy and the fact that travel insurance providers paid out £370m in 591,000 claims last year, according to the Association of British Insurers (ABI).
The potential costs of travelling without insurance for emergency medical care are horrendous. The ABI has examples of what has been paid in 2017 for claims that you would have to pay for yourself (in some cases, on the spot or before medical treatment) if you had no insurance cover:
· £768,000 was paid to cover the medical costs of treating a traveller who suffered a stroke in the USA.
· This includes £60,000 for an air ambulance back to the UK.
· £125,000 to pay for surgery following a jet-ski accident while holidaying in Turkey.
· £136,000 for treating complications following an insect bite in Chile. This included paying for a nurse to escort the traveller home.
I have seen first-hand what happens when people have no insurance. Two friends of mine had family deaths on holiday. One had insurance, but the other did not because he was driving. It cost the family a fortune to fly the body back home and pay all the handling charges.
It doesn’t matter whether you’re taking the family to the beach, a student on your gap year taking the trip of a lifetime or simply making the most of your retirement, you must find a travel insurance policy to keep you covered. Check comparison sites or speak to an independent broker.
As I say in my book, the wealthy know how to preserve their money and protect themselves against liability. As I’ve said in previous podcasts and in my book, making money and keeping money are two different skills.
Make sure you watch your back because you never know what’s coming your way.
Read about money mindset in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
Some of the top finance stories this week:
Amazon is 25 years old looks set to dominate the world, although I’ve heard that before with other companies like Facebook.
House prices continue to fall in London. According to the nationwide survey house prices in London fell for the eighth consecutive quarter and grows in other parts of countries slowed to just .5%.
Earlier this week it was reported that the salary needed to buy the average property in London is now £84,000. This figure also reflects the tight lending policy imposed by the government a few years ago in order to stop another house price boom and bust.
Excessive stamp duty does not help the situation
This news may be good for buyers and even investors who want to pick up cheap properties. However, stamp duty is a factor. For instance, if you Bought a three bed house or similar price property in London inside zone three or four for £575,000 to £600,000 your stamp duty would be over £34,000.
Then look at the yield. If you were able to get a rental of £19,000 - £20,000 pa your gross yield would be around 3%. Some agents in London are claiming that 3% is a good yield! Nonsense. If interest rates were not so low – 2%ish on a buy-to-let mortgage - and landlords were not taking interest only mortgages, most London property deals would not stack up at all.
Inheritance tax (IHT) is to be simplified and possibly tightened up following a review by the office for tax simplification. One of the suggestions is to reduce the seven-year rule to 5 years, but I expect loopholes to be closed in order to squeeze even more money out of the taxpayer! What does this mean for you? Seek tax advice from an expert if you are worried about IHT.
Boris Johnson and Jeremy Hunt continue to fight out the battle for the leadership of the Conservative party and, by default, the country’s next Prime Minister. Both candidates are promising big rises in spending, which makes you wonder where the money is going to come from. Government ministers have previously said that there is “no money tree” and this is true. All the money that is collected in taxes is spent on running the country and more is usually needed which means borrowing and issuing government bonds.
Stock markets at all time-high
Like any business, you can make cuts here and there and try to save on salaries or marketing, but unless you produce more, make more sales and make more profits you are just juggling figures and robbing Peter to pay Paul.
Coming out of the European Union would in theory save £39 billion on the EU contribution, although how much we save in net terms we are not exactly sure. However, they could also be a recession and I slowdown in the immediate aftermath of Brexit.
Stock markets steadied as Trump reins back on his threatened trade war with China, but are at an all-time high following a ten-year bull run.
The price of gold has risen in the last few months indicating that investors are looking for a safe haven for their money.
Britain’s oldest builder, Brighton based R Dutnell and Sons (now there’s an old name) went into liquidation. Quite sad because the firm had been trading since 1591 And been run by 13 generations of the same family. Can anyone save them?
On the good news front, Jaguar Land Rover have agreed to invest hundreds of millions of pounds building the new generation of electric vehicles in the UK.
Charles Kelly
Money Tips
Just 25 years on from when it started, Amazon has grown from start-up to one of the most valuable public companies on the planet, with Mr Bezos now the world's richest man.
Amazon started as an online book retailer but has become a global giant, selling multiple products with membership subscriptions, physical stores, groceries for sale, its own smart devices and a delivery system which can get things to customers in an hour.
In 2018, Amazon became the world's second-ever public company to hit a $1 trillion valuation, after Apple, and it has the second-highest market valuation in the world, after Microsoft.
Amazon has sales of over $234 billion and is expected to rise to over $300 billion by 2020. Their subscriptions alone exceed $100 million a year – in recurring revenue!
One of the reasons the company has grown is their partner programmes which enables online entrepreneurs and retailers to sell goods on the Amazon platform at a fraction of the cost of setting up a physical store.
In the past, you needed technical knowledge and skills to set up websites and marketing ability to work online. You needed to find a way of driving traffic to your site.
Amazon has solved these problems with its readymade store monthly visitors exceeding 199 million in the US alone.
The internet has opened up a new world of learning, working, socialising and doing business. We no longer need to go back to school or university to learn new skills. We can work from home, start a business or find a new life partner all from the comfort of our home.
If you want to quit the rat race and work from home, but can't quite replace your income from your paid job, why not try and gradually make the transition over a period of time?
You can learn how to get started on Amazon or Facebook by following the steps of people who have done all the hard work for you and now want to pass on their knowledge.
For more information on Amazon and Facebook courses email charles@charleskelly.net
Motorists and most small businesses are required to have public or third party liability insurance, but most of us don’t think about protecting ourselves until it’s too late.
You could lose everything if something goes wrong and you are sued for damages.
In a recent case reported in The Times, a cyclist knocked down a woman who walked into the road while looking at her mobile phone. A judge ruled that they had shared liability and awarded the woman £4,162, half the sum she had claimed. However, he could be forced to pay her legal costs of £100,000.
Since the accident, there has been a rush to join cycling organisations, such as Cycling UK, which include liability insurance in their membership package for as little as £3.88 per month.
As I say in my book, the wealthy know how to preserve their money and protect themselves against liability. As I’ve said in previous podcasts and in my book, making money and keeping money are two different skills.
Make sure you watch your back because you never know what’s coming your way.
Read about money mindset and the movie stars who blew it all in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
The importance of financial education at a young age.
How much pocket money should parent s give to their children?
Should they earn pocket money in return for chores?
Teaching kids the value of money.
Help you children to develop a positive money mindset from a young age, as it will have lasting benefits throughout their lives.
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
8 simple tips to start your day off on the right foot.
Develop an abundance mindset by remembering that there is more money in the world chasing good ventures and ideas than there are ventures available.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
Follow my The 3 R's of Money Management to transform your finances with this simple formula taken from my new book - Yes, Money Can Buy You Happiness, available on Amazon - http://bit.ly/2MoneyBook.
Develop an abundance mindset by remembering that there is more money in the world chasing good ventures and ideas than there are ventures available.
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
More P2P lenders losing investor’s money and in trouble, as FCA impose restrictions.
One scheme issued funds before planning permission was granted and the deal is now in default.
Find out how you can learn how to do your own deals from professional trainers, rather than putting your cash into the hands of others.
Property investment is not just about buy-to-let or becoming a landlord. There are dozens of strategies from development and conversions to rent to rent and lease purchase options which require little or no deposit and no mortgages.
You can learn these strategies and more by attending short courses where you get to meet expert trainers and investors, as well as network with likeminded people. Who knows, you could meet your future business or JV partner at an event?
If you like further details a property courses, such as a one-day introduction to property investing, drop me a line to charles@charleskelly.net
I have a limited number of complimentary tickets to attend an excellent course run by experts, which will give you a clear overview into the market.
Here are some of the courses coming up in the next few months:
Multiple Streams ff Property Income (Three days of world-class training)
Beginner Property Secrets (Full days training)
Deal Packaging Discovery Day
Serviced Accommodation Discovery
No Money Down Discovery
For full details and a list of further courses click here to learn how to become a UK property investor or go to http://bit.ly/2ZVAVtvcourses.
Longer term mortgages to help stretched first-time buyers on the rise.
Barclays Family Springboard Mortgages explained.
Watch your pension manager to ensure you are not losing out in poor performing funds.
Will you be able to retire?
Property investment is not just about buying your first house, buy-to-let or becoming a landlord. There are dozens of strategies from development and conversions to rent to rent and lease purchase options which require little or no deposit and no mortgages.
You can learn these strategies and more by attending short courses where you get to meet expert trainers and investors, as well as network with likeminded people. Who knows, you could meet your future business or JV partner at an event?
If you like further details a property courses, such as a one-day introduction to property investing, drop me a line to charles@charleskelly.net
I have a limited number of complimentary tickets to attend an excellent course run by experts, which will give you a clear overview into the market.
Here are some of the courses coming up in the next few months:
Multiple Streams ff Property Income (Three days of world-class training)
Beginner Property Secrets (Full days training)
Deal Packaging Discovery Day
Serviced Accommodation Discovery
No Money Down Discovery
For full details and a list of further courses click here to learn how to become a UK property investor or go to http://bit.ly/2ZVAVtvcourses.
Listen to what the current PM has to say about landlords and letting agents.
Respond to the consultation and lobby your MP if you feel the removal of section 21 would be a mistake.
You’ve heard a lot of negative news, so is this the end of property as we know it?
NO! Of course not.
Firstly, entrepreneurs are adaptable and it’s in their DNA to find solutions to problems.
Secondly, property investment is not just about buy-to-let and becoming a landlord. There are dozens of strategies from development and conversions to rent to rent and lease purchase options which require little or no deposit and no mortgages.
You can learn these strategies and more by attending short courses where you get to meet expert trainers and investors, as well as network with likeminded people. Who knows, you could meet your future business or JV partner at an event?
If you like further details a property courses, such as a one-day introduction to property investing, drop me a line to charles@charleskelly.net
I have a limited number of complimentary tickets to attend an excellent course run by experts, which will give you a clear overview into the market.
Here are some of the courses coming up in the next few months:
Multiple Streams ff Property Income (Three days of world-class training)
Beginner Property Secrets (Full days training)
Deal Packaging Discovery Day
Serviced Accommodation Discovery
No Money Down Discovery
For full details and a list of further courses click here to learn how to become a UK property investor or go to http://bit.ly/2ZVAVtvcourses.
I recently attended a landlord’s meeting and was shocked at the lack of knowledge in the room, especially regarding important changes which came into effect this month.
Firstly, new legislation came into effect from the 1st of June under the Tenants Fees Act 2019 regarding charging tenants – what you can and cannot charge tenants. If you are a landlord and you ignore new letting rules, you could face fines of up to £30,000 and a criminal charge, according to the National Landlords Association (NLA).
Secondly, many of the landlords were unaware of Section 24 removing mortgage interest tax relief on their buy-to-let mortgage.
Finally, landlords had no idea that following a court ruling (Caridon Property Ltd v Monty Shooltz) Section 21 notices are invalid unless the gas safety certificate has been given to the tenant before the tenancy agreement has been signed.
Listen for more details and PM Theresa May's speech this week on abolishing "no fault evictions", confirming the government's intention to repeal Section 21 of the 1988 Housing Act.
The Government will shortly launch a consultation as to the proposed repeal of section 21 of the Housing Act 1988 in which landlords will have the opportunity to give their views to the government on this major proposed change.
If you like further details a property courses, such as a one-day introduction to property investing, see learn how to build a property portfolio or drop me a line to charles@charleskelly.net
I have a limited number of complimentary tickets to attend an excellent course run by experts, which will give you a clear overview into the market.
Here are some of the courses coming up in the next few months:
- Multiple Streams Of Property Income (Three days of world-class training)
- Beginner Property Secrets (Full days training)
- Deal Packaging Discovery Day
- Serviced Accommodation Discovery
- No Money Down Discovery
For full details and a list of further courses click here to learn how to become a UK property investor.
The incredible story of young entrepreneur, Reggie Nelson, who knocked on doors in London's wealthiest areas, Kensington, to ask for business advice. Find out what happened.
If Richard Branson lost it all today, how long do you think it would be before he would be a billionaire again? Much of his fortune has been made using other people’s money, ideas and work. All they needed was the virgin name.
Develop an abundance mindset by remembering that there is more money in the world chasing good ventures and ideas than there are ventures available.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
A few phone calls could save you hundreds, if not thousands, of pounds.
After our mortgage or rent payment, utilities I’ll probably one of our biggest expenses.
Unfortunately, when it comes to the companies which supply your gas electricity, mobile phones and broadband, it does not pay to stay loyal to them. Same applies to car, breakdown recovery and home insurance.
They say that it cost many times more to win the new customer than it does to look after and sell to existing customers. We all know this is the case so why do these providers take us for granted and offer us poor deals forcing us to take our business elsewhere? It just doesn’t make any business sense at all.
We hear terms like “loyalty” bonuses, but in reality, we get charged more for the same service than new customers. You also see this with mortgage providers and banks. They will offer a better rate to new customers than existing borrowers or make your savings account less competitive by dropping the rate.
I frequently change providers or ask for a better deal by calling them up to asking them for…you guessed it, a better deal! In most cases, they say yes! After all, they want to keep you as a customer, even if they go a funny way about showing it!
This simple technique has saved me tens of thousands of pounds over the years.
You know the old saying, “A penny saved is…a penny earned”. Actually, it is more when you take into account tax on your income.
Right now, I have an issue with virgin who supply broadband to several of my buy to let properties. When I first started, they were charging me less than £30 per month per property. Now it exceeds £40 per month when they are advertising broadband and a phone for £27 per month to new customers.
To make matters worse, I’m not even getting a good service! They don’t even acknowledge the fact that I’ve got several contracts with them.
In fact, one of the reasons I have not changed sooner is that I can never get through to them on the phone. I’ve spent hours on endless automated answering systems - press one for this, press two for that and then out the other end without speaking to person!
Come on Virgin, you can do better than this! Richard Branson, I challenge you to try getting through to your broadband service on the phone!
When I had a problem with the router they refused to change it until I went on Twitter!
I wish they had many people monitoring the phones as they do watching complaints on Twitter!
You don’t always need to change providers to get a better deal. I was able to renegotiate the £40 per month saving on my RAC breakdown membership just by challenging them on offer in a much better deal to new customers When I had been with them for years.
You may be tied into a contract and unable to change, so you need to diarise key dates to make sure that you don’t miss out on the best deals or get stuck on an expensive tariff.
Electricity and gas companies are notorious for leaving you on an expensive tariff when you could change to a cheaper one just by making a phone call.
Action....listen for more
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
Cyber security and credit protection advice from the real Frank Abagnale, the man who inspired the Stephen Spielberg billion-dollar blockbuster movie, played by Leonardo Di Caprio, who worked for the FBI for 40 years advising governments and corporations on cyber security recently gave a talk at Google. His advice on how to protect yourself against cyber crime might surprise you and even scare you.
The movie tells the story of how a 16-year-old boy managed to con his way onto airlines and fly free all over the world posing as a pilot. He also defrauded banks out of millions of dollars through cheque fraud and worked as a hospital doctor and a lawyer despite leaving school at 16 never having studied medicine or law at university.
In this episode:
Frank's top 2 cyber security tips.
My top 7 tips for protecting your credit rating
The world revolves around trust and reputation, so be straight and pay back what you owe ON TIME. If you can’t, inform people instead of burying your head in the sand.
Almost everyone will need to borrow during their lifetime, especially home buyers and entrepreneurs.
Protect your credit rating with your life, because so much of your life depends on your credit rating!
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
When I was growing up in London there were different waves of migrants coming into the country. Many members of my extended family were coming over on the boat from Ireland, where there was little opportunity and widespread poverty. I also went to school with many first-generation migrants from Cyprus, India, East Africa and the Caribbean.
Later on, I saw other waves of immigration from places like Uganda, after Idi Amin literally kicked out all of the Asian population, and the Philippines.
I noticed that many of them bought their own houses rather than relying on council housing, perhaps because this was not so readily available to them as it was to the indigenous population.
Like some of my own family, they rented out part of their house or took in a lodger to help make ends meet. Sometimes, the rent they would and would often cover their mortgage and enable them to save money for another house. It was inconvenient in some ways and not as comfortable as having your own space to yourself, but they did what it took to get on.
They also had a higher tendency to start their own businesses, based on my anecdotal observations. Perhaps because they could not find a job which utilise their education and skills from their own country.
I also noticed that they worked harder than the average person and often had two or three jobs.
Most British people still believed in and depended on the so-called “cradle-to-grave” welfare state brought in after the war. They were told by the government that they will be looked after from the time they were born until they were buried.
Everything was meant to be free from healthcare, education up to university level to elderly care. People pay taxes and national insurance contributions which was supposed to provide for their pension in old age. They also had the safety net of the benefit system which meant that they were paid if they were unemployed or could not work.
During my early years in financial services, people would often say things like, “the government will look after me if I don’t have enough pension savings”, or “the state will look after my wife and children if I die with no insurance”. In many ways, they were correct. The state does provide benefits for people who retire without any pension, which seems on fair to all of those people who have sacrificed and saved for retirement.
Mature Times Recently quoted a report by Canada life that almost 2 in five pensioners or 38% of claimants receive less than £150 a week.
Can you live on £150 per week? You can probably survive on it but you can’t live comfortably on the state pension or benefits, which is why are you here of pensioners freezing to death in the winter or having to make the choice between food or heat. Most people blame the government but the truth is the vast majority of us have the opportunity to work and save during our lifetime.
The welfare system is broken and unsustainable. This is why successive governments have had to change the rules and move the goalposts.
Does all this make you worried? If so, good. We all need to wake up!
What can you do?
Step one, wake up.
Step two, start educating yourself on money and investing.
The same opportunities to invest in property are available to you today and in fact it is much easier to get into property than it was years ago.
If you like further details a property courses, such as a one-day introduction to property investing, see https://ambassadorshub.co.uk/ambassador/index.php?aid=AMB0427 or drop me a line to charles@charleskelly.net
You will see that money is everywhere if you have the right 'money mindset, which I cover in my book, Yes, Money Can Buy You Happiness. There are trillions of Dollars in circulation right now. This does not include the hundreds of billions in pension funds, venture capital and hedge all looking for places to invest.
Examples of people who had a different money mindset are two former members of the Beatles pop group, the late John Lennon and George Harrison.
John Lennon wife once asked him for a swimming pool and he said, okay I’ll write you one.
When the ISKCON Hari Krishna movement approached George Harrison, for help to fund a new centre in the UK in the early 1970’s, he donated money for a property and wrote the album All Things Must Pass to help raise the money for the movement. One of the massive hits from that triple album was My Sweet Lord, which featured the chant Hari Krishna and went on to sell 7 million copies, outstripping sales by his former Beatle colleagues after the band split. The property Bhaktiavedanta Manor in Hertfordshire is still there today. I have visited the manor many times and walked in the commemorative garden opened by his widow Olivia.
You might be thinking, "ok, that's alright if you're a songwriter, but what about me? Fine, you may not be a writer or an artist, but you have talent, knowledge and experience in some other area.
In another example, a Guru in India, who needed millions of dollars to fund a new temple and centre., was asked, where is the money going to come from? He replied, “from where ever it is now “.
People with this level of mindset realise that when you have a project or a goal money is no object. The money is out there and you just have to find it, attracted, manifest it, ask for it or whatever you want to call it. Lionel Richie said songs and ideas are "in the air".
Billionaires are multimillionaires truly believe that if they lost everything today they would soon be rich again. Don’t forget, only a few years ago Donald Trump’s business empire was in Chapter 11 bankruptcy and people were saying he was finished.
If Richard Branson lost it all today, how long do you think it would be before he would be a billionaire again? Much of his fortune has been made using other people’s money, ideas and work. All they needed was the virgin name.
Develop an abundance mindset by remembering that there is more money in the world chasing good ventures and ideas than there are ventures available.
If you are interested in developing and improving your money mindset, check out more on this subject in my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
In this week’s episode, 5 Quick Money Saving Tips.
What’s the funniest money saving tip you’ve ever heard? One of the strangest tips I’ve heard was on a radio show, which had a daily “housewives tips” feature.
A radio DJ would say: “send in your money saving tip on a postcard and if it’s read out, you’ll get a free mug!”
One tip sent in by a listener recommended gathering up all of the small leftover bits of hand soap and then putting them into a saucepan. You would then boil the soaps or bits of soap meld them together to form new bars of soap!
Well if you’ve heard amusing tips one like that let me know, but not on a postcard.
In those days, before the Internet, a popular saving tip was to cut out coupons from magazines and newspapers and take them into the supermarket to get savings on certain items. It was always annoying standing behind people rummaging around in the purse for coupons! These coupons still exist only nowadays they can scan them straight into the tills.
One of my wealthiest clients used to collect coupons she was worth a fortune in properties, but still looks after the pennies, so the pounds looks after themselves.
Nowadays, you don’t even have to cut out paper coupons as there are there are many deals on the Internet and companies like Wowcher and groupon have made a fortune cashing in on the ground trend to get a deal or save money! It’s almost become a national obsession.
5 Quick Money Saving Tips in this episode.
You can only go so far by cutting costs and saving money.
Grant Cardone says:
“Foundation of building wealth Focus on income…”
In other words, if you want to build wealth you need to first focus on generating income and later on investing.
Money held on deposits won’t make you rich either. If the banks are paying you .25% in your money it will take 40 years to pay you 10% on your cash!
There are hundreds of practical ways to generate more income including:
Take a part time job
Part time business
MLM or direct sales
Online marketing
Online retailing such as Amazon, Ebay, Groupon or shopify
Affiliate marketing
Blogging and writing
YouTube
Film extra
Teaching
Buy to let property
Property management
The best way of increasing your income is to keep learning. I have a limited number of complimentary places at some of the best courses on Amazon, investment and property. If you like further details, such as a one-day introduction to property investing or building an Amazon online business, click HERE or drop me a line to charles@charleskelly.net
In my book, Yes, Money Can Buy You Happiness, there is a section on the celebrities who lost it all. There are countless stories of sports and media celebrities with quickly made and lost fortunes through mismanagement of their money and for advice. I’ve personally assisted form of popstars, I used to see performing on Top of the Pops, who could not obtain a mortgage due to a poor credit history and being behind with their current mortgage. Some had lost their marriages and families. It was sad to meet once wealthy and famous people end up broke.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
You may have read that Facebook is to launch a cryptocurrency, which is already creating a stir among world central bankers and G7 leaders.
This is not just a remittance service sending money via a smartphone, but a new currency.
However, some cryptocurrency purists could argue that Facebook’s new digital coin, Libra, is not a true cryptocurrency, although they admit that it could bring digital money into the mainstream.
Critics claim the plans for Libra, backed by a consortium of 28 groups including Uber, Spotify, Visa and Mastercard, is not a genuinely decentralised digital currency.
I’m not a crypto expert or even a fan of so-called currencies like Bitcoin. The price of bitcoin, which has been volatile over the past 12 months and passed $9,000 at the weekend for the first time in more than a year, has been flat since the announcement. Other major cryptocurrencies were also unmoved or only slightly down on the news.
The new currency system will allow users to convert US dollars and other international currencies into Libra, which will facilitate rapid money transfers and online transactions with almost no transaction fees. Which begs the question, if there are no transaction fees why are these companies investing millions into this project?
Facebook, which is leading the project, said Libra will be especially valuable to the 1.7bn people worldwide without bank accounts, who will be able to carry out payments via their phones.
Phil Chen, decentralised chief officer at phonemaker HTC’s blockchain-driven Exodus project, told the FT.
“This project is the antithesis of bitcoin and is another step towards total control of data and users,”
Whilst central bankers, like the governor of the Bank of England Mark Carney, have given the currency a lukewarm welcome, I’m sure Facebook and its backers have already thought through the potential challenges that lie ahead, not least money laundering regulation.
Within Facebook — where engineers and product managers are more familiar with optimising advertising algorithms or simplifying photo sharing — creating a new currency was seen as a daunting challenge. “I’ve been doing this for more than a year, like 20 hours a day, and I’m still wrapping my head around it,” said Kevin Weil, who moved from Instagram to become Facebook’s head of blockchain product in June 2018. Libra was “unlike anything I’ve ever worked on before”, he added in an interview last week at the San Francisco Mint. “The technology is basically brand new, and is evolving really quickly. No one has any experience with a global currency before. Any direction you look, it’s new — and that’s exciting.”
Libra could open up opportunities for small online businesses to lower the cost of transactions, as well ease the process of selling online on Instagram and Facebook.
The news must have sent shivers through the banking and money transfer community. This will shake up the banks and the likes of Western Union, which takes a large chunk out of overseas workers remittances. They are all crying 'foul' about regulations and money laundering when it's the banks who have been fined for laundering! Apple Pay is not mentioned? This will be another step towards a cashless society, a one world currency and less control of our money and privacy.
Facebook has 2.7 billion active monthly users, and it knows a lot about us. It will know a lot more about us once we start using Libra, but has promised to keep this information separate from the social media business.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
Your network is your net worth and net wealth, so get around like minded people who lift you up and get away from negative people who drag you down.
Choose your friends wisely and get around the right people if you want success, happiness and wealth in your life.
In this episode you’ll learn how to expend your network, where to meet like-minded people and which friends to avoid!
Listen to my 5 tips to help you get around the right people and improve your life!
In my book, Yes, Money Can Buy You Happiness, there is a section on the celebrities who lost it all. There are countless stories of sports and media celebrities with quickly made and lost fortunes through mismanagement of their money and for advice. I’ve personally assisted form of popstars, I used to see performing on Top of the Pops, who could not obtain a mortgage due to a poor credit history and being behind with their current mortgage. Some had lost their marriages and families. It was sad to meet once wealthy and famous people end up broke.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
In this week’s episode:
Thousands of buy-to-let investors have sold properties since 2016, when the then Chancellor George Osborne announced punitive taxes on landlords, according to research by Hamptons International.
Find out what a former housing minister told me when I confronted him directly about the anti-investor measures and suggested how mortgages could be more flexible for first time buyers.
And,
Should you pull your cash out of Metrobank?
Are interest-only mortgages set to make a comeback?
Find out how you can have fun investing in the stock market without taking courses
If you like further details a property and investment courses, such as a one-day introduction to property investing, see https://ambassadorshub.co.uk/ambassador/index.php?aid=AMB0427 or drop me a line to charles@charleskelly.net
First, we had the George Osbourne 2015 finance act phasing out tax relief on buy-to-let mortgages. Tax relief will be gone by next year as will many property owners and landlords as they start to pay more tax and even struggle to show a return on their investment. This is a travesty and goes against all principles of business lending.
The then Chancellor George Osbourne also removed wear and tear allowance, which will cost small landlords dearly.
If that wasn’t enough, the government are now proposing new rules to do away with Section 21 notices, which enables landlords to legally regain possession of their property without having to give a reason or find fault.
Many property owners have already sold up or reduced the size of their portfolio in order to cut borrowing. Property prices in many parts of the country have dropped for a number of reasons, including of course Brexit.
Some see this as an opportunity to buy more property as so-called amateur landlords run for the hills.
Others worry that long term open-ended tenancies may be the beginning of the end for the buy to let business as we know it. The banks will certainly be concerned about gaining possession of their security in the event of a default on the mortgage.
Listen for more details....
If you'd like further details a property courses, such as a one-day introduction to property investing, see https://ambassadorshub.co.uk/ambassador/index.php?aid=AMB0427 or drop me a line to charles@charleskelly.net
I have a limited number of complimentary tickets to attend an excellent course run by experts, which will give you a clear overview into the market.
Money News – Mortgages, Monza Bank, FTSE100 and MLM Scams
Finance news round-up including:
Best Mortgage Rates,
Monza Bank,
FTSE100 Returns 1, 3 5 and 10 years Vs Property
MLM Diet Coffee Scam
Pre-Pay Funeral FCA Investigation
UK Economy
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
Making money and keeping money are two different skills
You may have read recently that Jamie Oliver’s restaurant empire has gone into administration. The talented TV chef had rapidly built up a chain of around 50 restaurants over the last few years. Like his new restaurant branches, Jamie seemed to be popping up everywhere on television, in the newspapers and on the Sunday Times Rich list.
We don’t know exactly why his restaurant business went wrong. Some say that his prices were a little too high for basic Italian food, but I think it also has a lot to do with the expensive city centre locations and over expansion.
Jamie apparently put in £30 million of his own money when the company was on the rocks over a year ago. Evidently, he could not let it go and tried to rescue a sinking ship.
What this proves is that it is far easier to make money, or start a successful business venture, than it is to keep it.
In my book, Yes, Money Can Buy You Happiness, there is a section on the celebrities who lost it all. There are countless stories of sports and media celebrities with quickly made and lost fortunes through mismanagement of their money and for advice. I’ve personally assisted form of popstars, I used to see performing on Top of the Pops, who could not obtain a mortgage due to a poor credit history and being behind with their current mortgage. Some had lost their marriages and families. It was sad to meet once wealthy and famous people end up broke.
Check out my book, Yes, Money Can Buy You Happiness, on Amazon - http://bit.ly/2MoneyBook
I know it’s early but Christmas can be stressful and expensive for many, so here are 3 quick money saving tips avoid the January hangover.
The governor of the Bank of England predicts that property prices will crash by 35% if we leave the European Union without a deal on the 29th of March 2019. Is the right? Here’s my take on it.
Who is the highest paid BBC presenter? If you are not working for a public sector organisation, like the BBC or your local council, how would you save enough to retire comfortably? I have a few complimentary tickets for an event which will show you how to invest in property. Email me for tickets: Charles@CharlesKelly.net
It’s not Brexit, the economy or whether is Prime Minister or Foreign Secretary that maters as much as your own economy- your U’Conomy!
This simple, 4 step process will help you stay on top of things and feel better about yourself what ever the outcome.
Most new business people focus on long-term goals instead of short-term activities to gain new clients.
Changes to student Visa rules announced by the Home Secretary this week could provide a much-needed boost for landlords and property investors.
Agents reports a glut of properties on the market at over £1 million in London. In some cases properties have been on the market for years and discounts of up to £10 million are not unheard of! In other news Brexit is causing uncertainty in the UK and shares could be overheating.
More opportunities for overseas doctors and nurses could open up this week as UK Home Office is set to relax Working Visa rules.
Your valuables may not be fully insured and your household policy. In this episode we look at household insurance and safety deposit boxes.
What contributions are you making to the world? How is your life impacting those around you? I recently attended a funeral and the priest asked the congregation to think about the day when it will be their funeral. What will people say about you? How many people will show up? In a business sense you can relate this to the service you offer and how it impacts your clients. Are you doing it to make their lives better or just make a fast buck? Great businesses and people are passionate about their product or service.
There are 3.5 billion reasons why you cannot ignore your online audience. Use these 3 simple tips to build your social media audience. For information on an exclusive new course on Amazon, email me. I have 10 complimentary tickets left! charles@charleskelly.net
Procrastination is a universal problem that causes stress and anxiety. Use these 4 quick tips to rid yourself of procrastination and help declutter your life.
Don’t be like the UK government and take 70 years to come to a decision to build a new runway at Heathrow airport! In his book, Think and Grow Rich, Napoleon Hill lists lack of decision as one of the major causes of failure! In this episode, I give you real life examples of how making a decision has turned my life around in more ways than one.
Follow my 12 steps to get out of debt fast and stay out of debt for good. Follow me on Facebook on the money tips daily community group.
Many of the multi billion dollar products we use today were not invented by the company which made them household names. Entrepreneurs like James Dyson, Richard Branson and Steve Jobs innovated and improved on existing products and ideas and set the friction out of using them. Uber and Airbnb are examples of disruptive companies which made an existing system better and easier to use. You too can apply this to your business or to a new business and make a fortune along the way.
The FCA has spent “two years” looking at the high cost of borrowing from pay day lenders, banks and rent to own furniture merchants. Whilst interest rates for this type of borrowing are completely out of order, what we need to do is to educate people not to borrow money to buy depreciating consumer goods in the first place. Borrowing money at extortionate interest rates to buy expensive televisions and vacuum cleaners will keep you in poverty for the rest of your life.
In today’s episode, I give two examples of young people who are taking action and literally “printing” money and becoming financially free! Okay, not actually printing money but metaphorically printing money and creating wealth and value. There is one catch, have to get off your backside and do something! Stop harping back to the “good old days” and realise that there are more opportunities now than ever before.
Most wealthy people started out with little or no capital and are self-made millionaire’s or even billionaires. There are many businesses you can start without the need for large amounts of capital. If you have any comments or would like further information on courses to help you get started in business, email me: Charles@CharlesKelly.net
Check out my three golden rules of investments and find out what Warren Buffett thinks is your greatest asset and what you should invest in.
Whatever you feel about the royal family, you have to admit that they add billions of pounds to Britain’s brand and attract millions of tourists to the country. I would like to take this opportunity to wish Megan and Harry every happiness and success in their life together. Princess Diana, Harry’s mother, would have been so proud of her son and daughter in law.
Do you have enough money saved in order to retire comfortably and if not what can you do about it? The Royal London insurance company said you will need £445,000 in your pension pot today if you are still renting. In this podcast, we examine your options and look at how much money you need in your pension fund to live a decent life in retirement. For money, investing in property has been their preferred method of saving for retirement. If you would like to learn more about investing in property on a free property investment taster course, email me at Charles@CharlesKelly.net
Richest man in the UK, with a fortune of £21 billion, was the son of a carpenter who started life in a council house. Research shows that most millionaires are self-made. My research and life experience has shown me that the rich are usually kind and generous and not as portrayed in the media.
There are millions of millionaires in the world and more money available to invest than ever before. In this episode we look at ways to improve the return on your money or raise finance for ventures without using the banks.
TUC said that workers should be paid more and are earning less in real terms today and they were 10 years ago. However Paul Johnson from the Institute of fiscal studies said that the country’s productivity has not increased therefore pay cannot increase.
This weeks financial news, the Bank of England held interest rates, which is good news for borrowers but bad news for savers and pensioners. Whilst Donald Trump‘s action against Iran could have serious repercussions for many businesses, we can only control our own economy by the actions we take to earn and save money.
The news that a Danish insurance company, Alpha, operating in the British market has gone bust highlights the need to deal with a UK based insurer.
In the lottery of life, you have already won the jackpot. Why, because you are listening to this podcast and you have the facilities to do so. Just been born in a country like the UK means you have already had a massive leg up in life. Be grateful. Money flows where gratitude goes!
This podcast I’ll tell you the number one Investment tip and advice from one of the worlds greatest investors. If you like further information on a complimentary money course, I have a few ticket available so please email me at Charles@CharlesKelly.net
In this episode we look at disruptive companies such as Uber an Airbnb, which have made life better for consumers. At the other end of the scale there are companies to avoid. I recommend a book, which shows you how to live a life of luxury while still watching the pennies!
Thousands of UK mortgage borrowers find themselves trapped in and competitive deals due to changes in criteria. Now the FCA has told lenders to make it easier for borrowers to switch to new products.
Billionaire inventor Elon Musk described questions he was been asked by analyst this week as “boneheaded”! Is he in the right, or should he be more respectful to people who invest in his company?
Less you can manage your money, you never be wealthy, at least not for long. In my forthcoming book, Yes Money Can Buy You Happiness, I’ll give you a system that will help you manage your money. The system is called: The 3 R’s Of Money Management Listen to my episode to discover The 3 R’s Of Money Management
With average life expectancy now exceeding 80 in most western countries, you could live half as long in retirement as you have in work. How are you going to provide and keep yourself in those long retirement years? What are your options and how much should you be saving? Other alternatives include starting a business or property investment. There are advantages and disadvantages, as well as risks. If you would like information on a free property taster course to be held in London or another city in the UK, please email me at Charles@CharlesKelly.net
A fate worse than death for baby boomers in America is not loneliness or sickness, it’s running out of money in retirement. How can you ensure that you will be able to afford to retire comfortably and not end up broke after a lifetime’s work?
Two huge supermarkets are merging in the UK, as economic figures show a slowdown. Don’t worry about the economy take care of your Uconomy!
You must’ve heard the saying, “the grass always looks greener on the other side”, but why is this? The really successful people focus on the one thing that brings them the most results rather than looking over the garden fence. Check out the money tips Facebook page: Facebook.com/moneytipsdaily
Every year, thousands of new business started, but sadly 90% of them will be gone within a few years. Here are 5 tips to survive as a start-up business.
Millionaires and multi-millionaires like Oprah Winfrey recommend doing this one thing every day.
Many pensioners who have built up substantial equity in their residential homes find themselves in a position where they are asset rich and cash poor. In this episode we discuss the various methods of releasing equity from your property without the need to sell up.
The UK government is taking action to ban cold calling on pensions and other financial products.
Zig Ziglar once said “ if you don’t stand for something you’ll fall for anything”. What does your brand look like to customers? How can you improve your personal branding? In today’s episode we look at your values and core beliefs.
I’ve just returned from a trip to Ireland and flew with Ryanair. Their motto is Low Fares Made Simple. What’s yours?
Educating your children about money it’s not any good for them, it’s good for you also!
Are you overexposed with debts and liabilities and unprepared for a downturn? How long could you survive if your salary or business income stopped coming in? Check out my five step plan to reduce exposure.
Any successful economy needs a robust banking system, however, most people do not realise how banks really work and how they make their money.
We’ve seen some good news for UK job market, as well as the economic growth figures both here and abroad. However, it’s not the Economy that matters but the Uconomy.
A new report from the Royal Institution of Chartered Surveyors claims that a combination of increased property taxes and the UK leaving the European Union has had a damaging effect on the London property market. Is property still a good investment and how can you learn more about it?
Your words and money language have a great influence over your bank balance than you think. Find out more on this Money Tips podcast.
Show gratitude in your life and focus on what you have rather than what you lack. Every day right down at least 10 things you are grateful for and what do you lifechange.
Learning to say “no”more often than you say “yes” could save you a lot of time money and heartache.
Large corporations and governments regularly review their progress and so should you if you want to stay on target. Here are some tips to help you review your progress and reach your goals.
Can you be both wealthy and spiritual? Can you be rich and good? I love the story of John Lennon...
Did you have a plan for today? The old saying that “people don’t plan to fail, they fail to plan” still holds true. You don’t need lots of complex planning systems, as a pen and piece of paper or do. Make a list of your most important things to do the night before you start the day. Work on that list one by one focusing on each task solely. Keep it simple. These are your daily goals, so work out your weekly, monthly, yearly and long-term goals. If you don’t have your own plan, you will become part of someone else’s plan.
Change in this one setting will save your mobile iPhone data usage and stop you running out halfway through the month.
In 1979, a famous longitudinal study was carried out by Harvard where MBA graduates were asked if they had set clear, written goals and any plans to achieve them. The same students were interviewed 10 years later and the results were astounding!
Don’t wait until the end of the tax year to maximise your tax allowances, start saving and investing now for the tax year 2018/19. Get into the habit of saving a regular amount of money each month in order to secure your future, and don’t rely on the state to look after you.
From the 1st of April, landlords could face a penalty or fines of up to £5000 for letting the property with an energy efficiency rating of F or G. Here are some simple tips to improve the energy efficiency rating of your property.
The UK tax year ends tomorrow, 5 April 2018. If you're planning to make full use of your ISA or Pensions/SIPP (Self Invested Personal Pension) this year, you must act soon. I have been talking about this since February in my Money Tips Daily blog and Podcast, so don't say I didn't warn you! Listen to the end for the bonus tip!
Majority of cars spent most of their life sitting in the garage or on the driveway. Meanwhile they are burning a hole in your pocket. In this podcast, I look at innovative ideas to get around town and save you money.
Whilst many people are fearful of their jobs in the technological age, others are making a living in ways that didn’t exist a few years ago. Find out more in my money tips day podcast.
Crowdfunding is an innovative method of raising funds for all sorts of projects from property and business to social projects. It was even used recently by a group of gutsy women to overturn the decision to release a convicted rapist and keep him in jail!
New data protection regulations (GDPR) come into force on 25 May 2018. Make sure you’re compliant or face a heavy penalty.
The price of an average home in the UK rose by 5.2% from December 2016 to December 2017. However, prices also dipped in January 2018. The figures vary according to where you live and the type of property. For full details listen to this Money Tips Daily podcast from.
Both blue and white, jobs are under threat from computers and robotic technology. There are three strategies to help protect yourself from the rise of technology!
Check out my podcast where I will review the best times of day to shop at UK supermarkets in order to find those yellow sticker bargains
Despite the negative press, Facebook is still an excellent platform for advertising , especially if you are small business.
Millions of savers are susceptible to the ups and downs and volatility of their pension plans. In this episode I look at the differences between saving in the pension policy or investing directly into property. You should always seek financial advice before making any investment choices.
Millions of pension savers are susceptible to the ups and downs of the stock market. In this episode I compare the differences between pension policies and direct investment into property. As always, take advice from an independent financial advisor before making any investments.
Many people say to me that they cannot afford to save as they are struggling with the bills, student loans or credit card debts. But if you continue like this for the rest of your working life you will obviously end up with nothing. You will have paid everybody else, banks, mortgage companies, landlords, credit cards and all the other suppliers that make up your life, except yourself! Pay yourself first and have peace if mind and security.
Paying yourself first means putting money aside before you spend it and pay everybody else.
I firmly believe that education should not stop after school or university.
Around 90% of people never attend a course after they finished their formal education, which is unbelievable in this changing world. Whatever industry you are in, you should make it your business to learn everything you can about that industry and keep yourself a up-to-date with the latest trends and developments. If you want to jump start your learning in digital marketing, good friend of mine is running a Facebook advertising course which you can do from the comfort of your own home. If you’re interested in learning more, email me on Charles@charleskelly.net
Work on yourself. Working in a job will make you a living, working on yourself will make your fortune.
Jim Rohn’s mentor told him that his financial situation was not the fault of the economy, the government or taxes, it was down to his own actions.
We can’t do much about the wider, world economy, but we can control our own economy.
Jim said, if you would change everything will change for you.
Try these tips to save money on energy bills and keep warm. Top 10 Tips To Save Money On Your Heating Bill And Surviving The Cold Although it’s March we are going through another cold snap with snow – and it’s freezing in the UK and northern Europe! Household energy prices continue to climb higher and higher each year, so we've pulled together some easy top tips on saving money on your energy bills and keep your home warm and cozy.
Last September, new regulations were introduced to make it harder for landlords with four or more mortgaged properties to borrow money.
The new regulations are designed to prevent irresponsible lending and introduce interest rate stress testing on buy-to-let mortgages for the first time.
Mortgage lenders will now review the entire existing portfolio before deciding to lend on a new application.
This could have a massive impact on any landlords with more than four properties, now deemed as a portfolio investor, especially if they are running the business on narrow margins.
A few days ago I said that becoming financially aware and astute is not just about making money, it is also watching your back for potential threats to your bank balance and financial wellbeing. Tony Robbins used to run a ‘wealth protection’ service for people with large sums of money, and Jim Rohn advised us to build a financial wall around our family so strong that nobody could knock it down. The wealthy don’t only concentrate on making money, they also focus on keeping it (probably the two most important basic components of being wealthy) and protecting themselves against liabilities and threats, but you don’t have to be rich to protect yourself too. After all, the less money you have, the more a loss will hurt you. Businesses do regular S.W. O.T. (Strengths, Weaknesses, Opportunities and Threats) analysis exercises and risk assessments as a matter of policy, and so should you. You are your greatest, so look after you! Act as if you are the CEO of your own corporation. More than at
Have you read your lease? Leaseholds properties are a legal landmine for the hundreds of thousands of uninitiated buyers purchasing leasehold flats every year. Like me, the majority of first time buyers, as well as buy-to-let landlords, will buy a leasehold flat under rules which exist in very few countries outside the UK. When you buy most flats in the UK, you are a tenant under a long lease which usually runs for more than 99 years, but diminishes in value as the lease gets shorter. You pay ‘rent’, known as ground rent, to the ‘landlord’ or freeholder, which used to be a peppercorn rent but on new developments is increasingly running into several hundred pounds with sharp increases in the future. You will also pay a service charge for insurance and upkeep of common areas. In blocks which have lifts, pools and concierge desks, expect to pay from £2,000 pa upwards.
We know that we need good health to enjoy happy and fulfilled life, but do we need to be fit and healthy in order to become successful or wealthy?
Whilst there are always exceptions to the rule, 95% of successful people I have met and observed over the last 30 years in business have all kept fit and looked after their health.
The 5% invariably either burned-out, had a heart attack or are no longer with us.
If you think of the wealthy and successful people you know, you generally find that they do something to keep themselves fit. It could be golf, going to the gym, swimming, hiking or playing a sport.
They are active physically and mentally, and often do something for their community.
I personally know several multi-millionaires who volunteer, give their time and donate their money to charitable causes and service clubs like Rotary.
Get A Cashback When You Switch Bank Accounts. Better interest rates on your savings and a cashback are not the only the reasons to switch your bank account. Thanks to competition regulations, switching a current account isn't as difficult as it used to be. Your new bank will take care of transferring Direct Debits and regular payments for you, usually within seven working days. However, if anything go wrong, your new bank will take care of any costs or penalty charges. Here are just some of the offers available right now:
How to avoid unnecessary mobile internet data usage and a nasty surprise on your next iphone bill due to a little know feature called Wifi Assist Do you ever find yourself running out or running low on your mobile internet data halfway through your monthly billing period? Perhaps you’re wondering why you keep using up your allowance when you are nearly always within a wifi coverage area? The Metro reports that people using the new iPhone or iOS9 could be in for a shock when they receive their next bill. This is due to a little known new feature called ‘WiFi Assist’ that could be eating into your data allowance while you are totally unaware that your money is being spent....
The rich don't need you to be poor for them to be rich. There is not a finite amount of money to go round because wealth and economies expand. Henry Ford understood this 100 years ago when he mass-produced (using assembly lines and division of labour methods) the famous low-priced model T Ford – the car for ordinary people - and paid his factory workers very high wages, thus creating a middle class of people that could afford to buy his cars. Ford, who left school at 14, famously said that his customers could have the car in any colour they wanted, as long as it’s black! Entrepreneurs like Ford helped make the U.S. the world’s largest economy, and it still is today, closely followed by China! I was in a London shopping mall today and visited the Apple store. It was packed with families and young kids on mini iPads having fun and joining tutorials. Which computers and phones do you think these kids are going to buy when they get older? Apple are so confident of their brand they don’t
Avoid litigation. The well-known phrase "I'll see you in court" often ends in the bankruptcy court or losing your house to pay legal costs, which can run into millions. Not only is litigation costly in terms of legal fees, but it can also take up an awful lot of time and energy, and literally drain you emotionally. I once got involved in a dispute over a £500 unfair charge by a freeholder on a leasehold flat I owned. To cut a long story short, they kept escalating to so-called ‘costs’, like a game of poker, and we ended up going to court, but by this time they were claiming £14,000! The case took two years of my life fighting this small dispute. In the end, with the help of a great city barrister, who charged me £2000 upfront, I won the case and got my legal costs back. However, in reality I had lost hundreds of hours of my time, energy and sleepless nights. At all costs, avoid going to court and use arbitration services or just common sense to settle disputes. Courts and Judges are no
I still think property is one of the best investments an ordinary investor put his or her money into. Let me tell you why. Firstly, you can enjoy an income from your residential buy-to-let or commercial property. Secondly, you can also benefit from capital growth in the value of the property over the longer term, as it has done in the past, although this is by no means guaranteed. Lastly, there is another reason why property has proved such a popular investment and why I think it has the edge over the vast majority of investment schemes that a financial advisor or bank will try and sell you. Leverage, or the ability to borrow money not only to help purchase the asset, but also secured against the asset you are buying. If you would like to learn more about property investment and attend a seminar, I have a limited supply of complimentary tickets for an event with a leading training provider - email me charles@charleskelly.net.
What’s All The Fuss About Property Prices Anyway? Find Out Why You Should Care. The recent price drop might be good news for buyers but bad news for sellers. For people who already own property the news of small fluctuations in values might not be good or bad, as they will still be sitting on an asset whether the value is increasing or decreasing. If you own a buy to let property let to a tenant, the rent is not going to change month on month even if the value increases or decreases. But if prices continued to fall and or there was a crash, the banks might start getting nervous and could ‘call in’ (ask for their money back) loans for borrowers who are highly geared – mortgaged up to a high loan-to-value (LTV), e.g. you owe £90,000 on a property valued at £100,000 or 90% LTV. This will affect the whole economy and jobs even of you don’t own a property or work in the sector.
The Nationwide index revealed a 0.3pc month-on-month fall taking the average UK house price to £210,402, down from £211,756 in January. This marks the first time since August 2017 that house prices have fallen month on month. The price-to-earnings ratio is now around 10 times average salaries, making London one of the most expensive and difficult places for people to get on the property ladder. The rental market remains strong, but thousands of landlords have been deterred by recent tax changes which will dramatically reduce their net earnings from but-to-let properties. Tough new rules on HMO lettings coming in this autumn will be another blow to landlords. What does this all mean for buyers and investors and where are property prices going? The answer is nobody really knows for sure. The more experts you listen to, the confused you’ll become! There is still a shortage of homes in the UK and the Prime Minster Theresa May announced measures to force builders to build more homes faster
Your Network is your Net Worth. I attended a breakfast networking meeting today and it reminded me of that old saying. Your network really does reflect your net worth and success in business, or some would say it’s not what you know but who you know, which is still some truth even in today’s digital age. In this structured BNI networking meeting, the membership of 23 consisted of various local trades and professions. Started in America in 1985 by Ivan Misner, BNI now operates in 70 countries worldwide with over 8000 chapters and 227,000 members. The cost of this group is around £1,000 per year plus a £150 joining fee. Bonus Tip. Follow-up. One of the biggest mistakes I’ve observed in networking is the failure to follow up. People go to all the trouble of going to a meeting, cornering you in the room to tell you about their business and after you say, “sure, give me a call or email me to set up a meeting”, you hear nothing! Bonus Tip No 2. When you get home after a meeting put them on y
Did you know that you are sitting on a potential goldmine, situated right between your ears? It’s called your ‘intellectual property’ (IP) and it’s where the real money’s made long after the product has been created. The renowned author and speaker, Tom Hopkins, said “You are your greatest asset. Put your time, effort and money into training, grooming, and encouraging your greatest asset”. What are you good at doing? What are you passionate about and enjoy doing in your spare time? What service would you or do you offer to people for free, just because it’s fun? What would you do with the rest your life if you won the lottery tomorrow? You may take it for granted that you are very good with children, cars, dogs or you have a special skill like writing, speaking, knitting, photography, relationships and dating, IT or social media. We’ve had the Stone Age, the Bronze Age, the Industrial Age. Now, the new Information Age and digital economy is upon us. People want information and solutio
Sir Roger Bannister, one of the all-time greats of athletics and sports died today at his home in Oxford. Sir Roger was a great British hero and the first break the four-minute mile barrier that many said was impossible. They said the human body could not survive such a feat. Yet in the year that followed several other athletes also ran a sub 4 minute mile, and the Australian runner, John Landy, beat Bannister's record by 2 seconds the following month with a time of 3:57.9. This goes to show that when we have the belief that something is possible we go after it with a different attitude and more often than not achieve it. There are two things to remember about Bannister’s achievement. Firstly, it was no accident or stroke of luck. He set a goal to break the record, planned and worked his training regime and record breaking race down to the smallest detail. Secondly, it was his ironclad belief that help push him through that tape at under 4 minutes. In my forthcoming book, Yes, Money C
Stop wasting food. On average, people in the west throw away around a third of the food they buy. Considering that food is one of our major areas of expenditure, apart from anything else, that’s a lot of money we are throwing away. Let’s say a family spends £100 per week on food and throws away a third of it. Over a year, that’s £1,716 going straight into the dustbin. There is also a moral aspect to this. We all know that there are millions of people who go hungry every day, even on our own doorstep, while many of us overindulge and then throw millions of tons of food in the bin – much of which ends up in landfill. Here are my 5 C’s to Stop Food Waste: 1. Cook it – cooked food will last longer and will not go off so quickly. You can store or freeze cooked dishes it to last even longer. 2. Chill or refrigerate most food and fruit to avoid going bad in a hot kitchen. In the days before fridges were common, kitchens had larders which faced an outside wall and stayed cool. Houses were also
The UK government recently announced tough new minimum space requirements for private lettings in a bid to reduce overcrowding and other problems in the HMO rental sector. The widely expected new rules for HMOs (Houses in Multiple Occupation) will bring the national mandatory licensing, currently only applying if properties are three or more storeys, to all flats and one and two-storey properties. The new rules will allow local councils to force more landlords to register their HMO properties, which should raise standards. My own local authority has around ten times as many unlicensed houses in some form of multiple occupation as those licensed as HMO’s. The majority of buy-to-let landlords in the UK are law abiding and should have no problems complying with new regulations. However, based on the previous experience of other local authorities, which have brought in blanket licensing for all rental properties, many landlords will be probably fall short of the minimum safety requirements
As the UK is hit with the big freeze from the ‘Beast from the East’ and ‘Storm Emma’ snow falls, insurance companies will soon be paying out millions of pounds in claims for accidents, burst pipes and flooding. Whilst we are thinking about insurance, this might be a good opportunity to check your insured items on your home buildings and contents policy, as well as other forms of insurance. Make sure you have the right insurance cover for your home, and review it every year for price and sum insured. People often assume that all policies are pretty much the same and only find out the real truth when they put in a claim and get that sick feeling in their stomach when they realise they are not covered for what they thought they were. For instance, are you covered for losses caused by accidental damage or shattered glass, does it cover your garage or outbuildings, garden equipment, how high is your excess (the amount you pay for each claim) and how much interest are you being charged to sp
Rich Dad Poor Dad author, Robert Kiyosaki said “the poor work hard for their money, the rich make their money work hard for them”. I would add that the rich also make their time work for them too. They leverage their time and multiply their personal time and effort. Most people exchange their time (and life) for money, and because there are only so many hours in the day it’s very hard to build wealth or retire. Millions of small traders and one-man-bands are getting in on the act and running online businesses from home using the platforms and fulfilment services provided by internet giants like Amazon and Shopify. You don’t even need your own products or website. You can find out more and get a free copy of Russell’s book Expert Secrets by clicking here or cut and paste this link into your browser - http://bit.ly/2EOzK8f.
Welcome to Money Tips Daily this is Money Kelly bringing you money tips to help you save and make more money! Time Management is Life Management, You Cannot Control Time! Time management is a misunderstood phrase, as we cannot control or manage time, we can only manage ourselves. Time is money, as the old saying goes. But Jim Rohn said, “Time is more precious than money, as you can always earn more money, but can never get back lost time”. Time cannot be saved or banked, it must be used or it’s gone forever. Time is ticking away relentlessly and seems to speed up as we grow older. There is a biological reason for the way we perceive time as we age, but a more obvious answer could be that a year to a five year old is equivalent to 20% of their life, to a 20 year old it is just 5% and so on. Regardless of our perception, we all have the same amount of time each day, 24 hours or 1440 minutes a day, 365 days a year, but not everyone produces or gets the same amount done in a day or a year.
Welcome to Money Tips Daily this is Money Kelly bringing you money tips to help you save and make more money! Financial education is one of the main keys to managing and building your wealth. Financial ignorance will be extremely costly throughout your life, especially when you put everything into the hands of advisers and accountants.
In my forthcoming book, Yes, Money Can Buy You Happiness, I include section on the “Stars Who Lost It All”. One of the main reasons most of these celebrities went from extreme wealth to bankruptcy in a few years is a lack of financial education. They thought everything was being “handled” and didn’t have the common sense or knowledge to check what their advisers were doing with their money. Unfortunately, they don’t teach you this stuff in school, right? One way of gaining the knowledge that most advisers have and keep to themselves is to take a financial adviser course. Take a basic course in becoming a financial adviser, which can be done as a home s
Welcome to Money Tips Daily this is Money Kelly bringing you money tips to help you save and make more money! Live Long and Prosper. A long and healthy life means more time to earn and enjoy the fruits of your labour or investments. One way of getting your money’s worth from your lifelong private and state pensions is to outlive the actuary’s forecasts on your normal life expectancy! If you keep drawing that pension into your nineties or beyond, you’ve won! There are many theories on how to live a long and healthy life from eating the right foods to living in Okinawa, which seems to where the average person lives to a ripe old age eating oily fish and seaweed. The problem is, most of us don’t live on an island in Japan or in mountainous regions where the air is clean and mineral rich water irrigates freshly grown vegetables! What we can do is follow some of their habits like good diet, exercise and working beyond ‘normal’ retirement age.
Welcome to Money Tips Daily this is Money Kelly bringing you money tips to help you save and make more money! I trust your weekend is going well? You might be staying up late and enjoying a lie-in after a tiring week, which brings me on to today’s tip, which is about energy management and sleep. Make Sure You Get Enough Sleep. Did you know that sleep deprivation could kill you faster than food starvation? People have survived without food for more than 30 days, but the longest known case of going without sleep is just 11 days. Going without sleep for 24 hours leave your mind and decision making capabilities similar to someone who is intoxicated and a day longer and you will experience an altered state of mind. Depriving people of sleep is a known torture and interrogation technique and there are documented cases of people have signed confessions to crimes they didn’t commit, some of whom would face the death penalty, just to get some sleep! More at www.facebook/moneytipsdaily
Welcome to Money Tips Daily this is Money Kelly bringing you money tips to help you save and make more money! As the weekend kicks in, you may be planning to go shopping for an expensive item or something for the house. The Money Tips Daily tip for today is: Never borrow on loans or expensive credit cards for consumer goods or things that decrease in value. I’m not saying don’t use a credit card, which gives you additional consumer protection in the event of a problem or the company going out of business before you receive ordered goods. Consumers who ordered beds on their credit cards from Warren Evans, which went bust in the last week, should receive a refund from the card company, whilst those who paid with a debit card or in cash have little chance of seeing their money again. Using a credit card is fine provided you pay off the balance before interest is charged. If not, the effects of high interest rates on credit cards and personal loans will hold you back financially for years
Money Tips Daily - Model The Habits of the Rich and Successful. Simple terms, if you want to be wealthy and successful, do you want the wealthy and successful do! What does the wealthy and successful do? Find out more in this podcast.
Hello and welcome to Money Tips Daily, this is Money Kelly bringing you money tips to help save and make you more money! Mitigate Your Tax Liability, Legally! Slash your tax bill! If you are listening to this in real time, today is the 21st of February and for many of us in the UK the end of the tax or fiscal year on 5 April is fast approaching. Other countries may vary but the principle is the same, use every available legal tax saving method to reduce and mitigate the amount of tax you pay. Here in the UK, the next few weeks will present your last opportunity to use up your tax free allowances in savings schemes like ISA and Pensions. There are different types of ISA’s and pensions, and the right choice for you will depend on your own particular financial circumstances. You should seek financial advice from an independent financial advisor, as there are other tax saving investment schemes which require specialist advice. The amount you can put into these schemes varies from year
Welcome to Money Tips Daily Today I want to give you two tips or two for the price of one! One will save you money and the other will make you money. The first tip is to cut down on Pay-Per-View, subscription, cable or satellite TV. A Sky TV package can cost over £80 per month or almost £1000 per year. In ten years time, your will have spent £10,000 and probably be 10 pounds heavier too! The second tip is to stop wasting so much time in front of the TV altogether. The average American spends 4 hours and 40 minutes slouched in front of the box every day (almost a full working week). Americans are the highest TV viewers in the world closely followed by Australians. British viewers watch TV for 24 hours a week, the equivalent of three working days! People are now binge watching boxed set shows and can spend a whole weekend watching a series. British workers have admitted to calling in sick because they’ve been up all night watching a series on Netflix. Watching television ca
Hello and welcome to Money Tips Daily. 3 Steps to Build Up Your Credit Rating. Yesterday, we talked about protecting your credit rating, but what if it is already damaged or you have a low rating? There are different strategies for people who have a bad credit history, for instance if you have a County Court Judgment (CCJ) of a Default registered against you, and those who have virtually no credit rating at all. For those of you who want to build or rebuild your rating, here are three simple steps:
- Get a credit card if you can or apply for ‘rebuild your credit’ credit card if you already have a poor credit history. Search for card providers which offer credit to people with an adverse credit history. The interest rate could be as high as 40% so make sure you pay them off quickly.
- Pay off your card balance in full each month. This shows a record of handling your finances and you will usually find that card companies will offer to increase your limit. Also, dra
Welcome to Money Tips Daily. Today I want to talk about something that can have a huge impact on your life, your credit rating. Check your credit rating regularly and protect it by never allowing your rating to be compromised by not paying a bill or defaulting on a credit card, which can stay on your record for up to six years. Protect your credit rating with your life! To check your credit file and obtain a credit rating you can apply to one of the main credit reference agencies in your country. In the UK the big three are www.Experian.co.uk, www.Equifax.co.uk and www.Call Credit.co.uk, which can supply a free report or charge a small fee. You can pay a monthly subscription for ongoing reports, but I would go for the basic report to start with. You can also obtain a combined report covering all three credit agencies, which will often hold different information on you depending on which company reports activity. You should check your credit file at least once a year, as errors will aff
Welcome to Money Tips Daily – Negotiate, Negotiate, Negotiate! We’ve talked about saving money, generating more money, but how would you like to know how to save hundreds or even thousands of pounds or dollars just by saying a few words? Negotiate! That’s right, use negotiation in your everyday dealings. The old saying that “everything is negotiable” may not always work down at your local supermarket (but it can believe me), but the principle is timeless. People have been negotiating since the beginning of time and it’s in our DNA to get a better deal, right? This is not about haggling, banging your fist on the table or becoming a union leader grinding out pay deals, which they do very well! This is about asking for a better deal, price or an upgrade. I get better deals and upgrades all the time, usually just by asking. On a recent holiday in the Philippines, I asked for an upgrade to a better room, and got it, along with use of the club lounge (free drink
Hello and welcome to Money Tips Daily. Yesterday we talked about the sharing economy and turning your spare room into cash. If you’re not in a position to take in a guest, another way of generating some extra cash is to sell unwanted goods online. There are numerous websites like Amazon, Gumtree and Ebay which can help you turn old stuff into cash and it could turn into to an online business. You also get to clear space in your home! We all have those unused exercise bikes and guitars taking up space which could be turned into cash. There are also unopened presents, books and CDs which can be sold online. With Amazon you can even scan the barcode to generate an image on your seller site. You don’t only have to sell your own stuff online. Millions of people have built a business selling online through platforms such as EBay and AmazonSeller. You no longer have to rent a shop in the High Street to have a storefront. An online business can be set up for a very small amount of mo
Hello and welcome to Money Tips Daily. Yesterday we concentrated on ways of saving money so today I want to give you a few tips on how to earn some extra cash! There are hundreds of ways of generating additional income in your spare time from starting a small business from home, digital marketing and sales or MLM. I actually run a Facebook page called home based business ideas. If you’re not inclined to start a business just yet and are struggling to make ends meet, you might want to consider these simple money making tips: Rent a Room Scheme The UK government allows you to earn up to £7500 tax free per year from renting out accommodation in your home. The Rent a Room Scheme lets you earn up to a threshold of £7,500 per year tax-free from letting out furnished accommodation in your home. Tenants are easy to find in most areas using websites like Airbnb and spareroom.co.uk. Airbnb clients tend to be looking for short-term accommodation, although in my experience they can turn
Welcome to Money Tips Daily. A Penny Saved is a Penny Earned is a saying attributed to Benjamin Franklin, although what he actually wrote was “a penny saved is two pence clear”. We get the picture, saving a penny is as valuable as going out and earning the same amount. Is that still true? Well, yes and no. In Franklin’s day, there was probably no direct income tax, but nowadays to receive a penny in your hand, net after tax, you probably need to earn at least half as much or double before tax (gross) depending on your individual tax rate. Don’t forget that we also pay indirect taxes such as VAT and tax on our homes, and there are the costs of going out to work such as travel, parking, clothing and lunches. Ok, for sake of this example and to keep the maths simple let’s say you need to earn two pence to end up with one in your hand, and let’s update the penny from 1736 penny to £100 today. If you can save £100 it is equivalent to earning £200 by go
Hello and welcome to Money Tips Daily. In the last few days we’ve looked at reviewing your utility and mobile providers and staying on top of your taxes. Today, I want to talk accumulating money and the philosophy of money, more importantly YOUR philosophy of money. Respect money and it will respect you. The author and speaker Joe Vitale, who was featured in the movie The Secret, says, “Money has its own psychology”. He goes on to say that money, is a form of energy you can either attract or block depending on your mindset. Another famous author, Brian Tracy, gave me a simple idea at one of his seminars in America. The great speaker said: “You should respect money and even look after the cash in your wallet or purse by placing each dollar bill neatly and in order of value, with the President’s head facing the right way”. This might sound silly, but Brian went on to say that whenever he met someone who had money issues, their money would be stuffed into the
Hello and welcome to another edition of money tips daily. Keep on top of your taxes and claim all your tax free allowances. Staying on top of your tax returns, declaring, claiming back, keeping records and all those forms can be a challenge even if you have an accountant. It requires consistent, regular work just like looking after the weeds in your garden. Leave it for too long and the weeds will take the garden – or the taxman will take your house. Filling in your tax return can be a pain, but so can receiving a penalty notice or worse still an investigation. Decide which is worse, submitting your return on time or a penalty, and then having to do it anyway. One technique which may help is to keep records as you going along on a spreadsheet or one of the many bookkeeping Apps. Gathering all of the information in one go at the end is far more difficult and time consuming, and you will forget to claim allowable expenses. Most people rely on their accountants, but I have found to m
Welcome to another edition of money tips daily. In the last couple of shows we talked about reviewing your mortgage and utility payments. Before we move on to other money tips, I wanted to briefly touch on mobile phone or cell phone contracts. When I lived at home with my parents many years ago, we used to have one landline phone and the quarterly bill was less than my monthly mobile phone bill! Nowadays, people have more than one phone as well as paying for landlines, broadband and TV services such as satellite or cable. In other words, the services can add up to a considerable sum of money each month. I could easily run to over £100 per month or £1200 per annum. This means that some taxpayers would need to earn almost £1800 a year, before tax, just pay for the phone and TV services. The message is clear, like your utilities and mortgage payments it definitely pays to shop around as it can make a big difference to your bank balance. As I said yesterday, loyalty does not alway
Money Tips Daily shows you how you can save hundreds of pounds on your utilities and explains why loyalty does not always pay.
By simply using free comparison sites you can save hundreds and even thousands of pounds on bills which are not only a major source of expenditure, but cannot be avoided.
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Reviewing your mortgage lender and switching to cheaper rates could save you thousands of pounds. This week the governor of the Bank of England, Mark Carney, hinted that interest rates could rise sooner rather than later. We have enjoyed low interest rates for 10 years and this is unlikely to continue. Now is the time to review your mortgage and if necessary switch to a fixed rate before interest rates rise. As always, seek independent advice before making any decisions. Money tips daily does not constitute financial advice, so always seek independent financial advice.