Money Tips Daily By Charles Kelly, Former Ifa And Author Of Yes, Money Can Buy You Happiness.

What’s in Store in 2024? Stock Markets, Property and Gold.   Reflection on 2023   Inflation got into double figures, and then come down again 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 are 40% up on the previous year.    Mortgage rates have since come down to just over 4% for a fixed 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 the commercial sector is struggling.   Gold broke through the $2000 ceiling and reached over $2100 at one point before falling back, as people sought a safe haven for their money.   What’s in store for 24?   When will the Bank of England finally start cutting interest rates?   Will the UK officially enter a technical recession after negative growth in the third quarter of 2023?   For how long will house price

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 posed significant challenges, marked by soaring interest rates and escalating energy expenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stamp duty, and increased regulatory measures have collectively burdened buy-to-let investors, necessitating adaptation to a shifting and demanding market environment. Property prices peaked, then fell back as interest rate rose, and this year rents have gone through the roof as demand exceeds supply.   Rents have reached record highs in most parts of the UK, and of course landlords are getting the blame.   In their defence, landlords have had to pass on the costs that the government have imposed on them with legislation such as section 24. The policies of the treasury and central banks have caused economic chaos, higher interest, rates, higher en

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 posed significant challenges, marked by soaring interest rates and escalating energy expenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stamp duty, and increased regulatory measures have collectively burdened buy-to-let investors, necessitating adaptation to a shifting and demanding market environment. Property prices peaked, then fell back as interest rate rose, and this year rents have gone through the roof as demand exceeds supply.   Rents have reached record highs in most parts of the UK, and of course landlords are getting the blame.   Landlords have had to pass on the costs that the government have imposed on them with legislation such as section 24. The policies of the treasury and central banks have caused economic chaos, higher interest, rates, higher energy costs, and a

Stock up on CANDLES, Torches and Battery Powered Radios, Dep PM Warns   Deputy Prime Minister, Oliver Dowden MP has issued a warning to British people to prepared for power cuts and cyber attacks by keeping a supply of candles, flashlights and battery powered radios.   Announcing the formation of a ‘resilience academy’ he advised Brits  to prepare for communications 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 should you care? ·        Two year fixed rates fall below 6% as mortgage rates ease ·        Mobile phone companies overcharged 28 million customer ·        Why you should not be jealous of wealthy billionaires   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Prepare for w

Stock up on CANDLES, Torches and Battery Powered Radios, Dep PM Warns   Deputy Prime Minister, Oliver Dowden MP has issued a warning to British people to prepared for power cuts and cyber attacks by keeping a supply of candles, flashlights and battery powered radios.   Announcing the formation of a ‘resilience academy’ he advised Brits  to prepare for communications 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 should you care? ·        Two year fixed rates fall below 6% as mortgage rates ease ·        Mobile phone companies overcharged 28 million customer ·        Why you should not be jealous of wealthy billionaires   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Prepare for w

STOP WORKING FOR FREE!  - Why Do Small Businesses Work For Nothing? Join me online on my free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH Get paid for what you do in advance. Always agree terms and take part or full payment up front whenever possible. Are you using an accounting or invoicing system? Watch video version - https://youtu.be/1BO-ZigTkjA Systemise – the difference between a small business and large concern. You are not a bank, so why are you offering credit? My experience Do you have unrecovered debts and if so do you need help getting paid? Are you in debt and unable to pay creditors? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive,

STOP WORKING FOR FREE!  - Why Do Small Businesses Work For Nothing? Join me online on my free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH Get paid for what you do in advance. Always agree terms and take part or full payment up front whenever possible. Are you using an accounting or invoicing system? Watch video version - https://youtu.be/1BO-ZigTkjA Systemise – the difference between a small business and large concern. You are not a bank, so why are you offering credit? My experience Do you have unrecovered debts and if so do you need help getting paid? Are you in debt and unable to pay creditors? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive,

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £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 new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Lim

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £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 new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Lim

Join me on my free webinar, three steps to financial freedom and successful money-management, Wednesday at 8 pm. Don’t miss it, click the link below. https://bit.ly/3QPp8IH 1.      Pay Yourself First 2.      Live on a Percentage of Income 3.      Don’t Just Save, Invest! 4.      Start Investing Early 5.      Manage and Organise Your Money 6.      Budget Your Spending 7.      Know Your Numbers 8.      Avoid Bad Debt and Credit 9.      Use Good Debt and Leverage 10.   Develop The Right Money Mindset 11.   Educate Yourself About Business, Money and Finance 12.   Get Around The Right People – Avoid Toxic People Watch video on YouTube - https://youtu.be/dfFGPIiqKWA   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exact

Join me on my free webinar, three steps to financial freedom and successful money-management, Wednesday at 8 pm. Don’t miss it, click the link below. https://bit.ly/3QPp8IH 1.      Pay Yourself First 2.      Live on a Percentage of Income 3.      Don’t Just Save, Invest! 4.      Start Investing Early 5.      Manage and Organise Your Money 6.      Budget Your Spending 7.      Know Your Numbers 8.      Avoid Bad Debt and Credit 9.      Use Good Debt and Leverage 10.   Develop The Right Money Mindset 11.   Educate Yourself About Business, Money and Finance 12.   Get Around The Right People – Avoid Toxic People Watch video on YouTube - https://youtu.be/dfFGPIiqKWA   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exact

Join me online on my free live money management training Wednesday 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 you want 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 rat race?   TIME TO GET SERIOUS There are 24 hours in every day.  We all have something in common. We have the same amount of time and every day. Other things may be differ between us but will have the same 24 hours in every day. If you put in enough time and effort there’s no limit to what you can achieve. Question is, how much of that time do you waste? How much time do you spend thinking about getting started instead of taking action and starting? How much time do you waste scrolling through social media or watching television? TV Guide How much time do you flush down the toilet playing video games, drinking and partying? In the tim

Join me online on my free live money management training Wednesday 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 you want 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 rat race?   TIME TO GET SERIOUS There are 24 hours in every day.  We all have something in common. We have the same amount of time and every day. Other things may be differ between us but will have the same 24 hours in every day. If you put in enough time and effort there’s no limit to what you can achieve. Question is, how much of that time do you waste? How much time do you spend thinking about getting started instead of taking action and starting? How much time do you waste scrolling through social media or watching television? TV Guide How much time do you flush down the toilet playing video games, drinking and partying? In the tim

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 probably struggle with managing and investing your money. I want to help you 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. 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 not only survive but thrive. What sets them apart? Bank of England hold rates at 5%...Find out why this affects all 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 TAX GRAB? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   How To Manage Your Spending And Develop A Millio

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 probably struggle with managing and investing your money. I want to help you 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. 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 not only survive but thrive. What sets them apart? Bank of England hold rates at 5%...Find out why this affects all 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 TAX GRAB? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   How To Manage Your Spending And Develop A Millio

What Triggers Us To Buy Brands And Products? Is price always the deciding factor when we make a buying decision? Please like and share this article or podcast and check out my 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 - 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 reasons including comfort, peace of mind and safety and status.   However, brand leaders, such as Heinz beans or Coca Cola can sell 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 buy favourite brands when on sale. Advertisers and

What Triggers Us To Buy Brands And Products? Is price always the deciding factor when we make a buying decision? Please like and share this article or podcast and check out my 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 - 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 reasons including comfort, peace of mind and safety and status.   However, brand leaders, such as Heinz beans or Coca Cola can sell 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 buy favourite brands when on sale. Advertisers and

Mortgage & Property Update Money Tips Podcast ·        Property prices decline ·        Rents soar ·        Fixed rates fall Join me online on my free live money management training Wednesday 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 your wealth and the quality of your life. 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 W

Mortgage & Property Update Money Tips Podcast ·        Property prices decline ·        Rents soar ·        Fixed rates fall Join me online on my free live money management training Wednesday 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 your wealth and the quality of your life. 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

Is Your Money Safe In The UK Metro Or Any Bank? It Depends… In this week’s Money Tips Podcast: ·        Should you worry about Metro Bank’s finances, as they struggle to raise £600 million to maintain its ambitious expansion programme. ·        Property prices fall for sixth month in a row according the Halifax who say the slump will continue into 2024. ·        Help to Buy Scheme sees return of ‘Negative Equity’. Watch full YouTube video -  https://youtu.be/hCLidk13PP4?si=fwM1e5xV6O6nR1vi   See also: – Transfer Property Into A Limited Company Without 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 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 t