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

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

Welcome to Friday 13th! Did you know that a house number 13 can be worth up to £5,000 LESS that the property next door, according to a survey by the property website Rightmove. Join me online on my free live money management training, Register now 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, Japanese and 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 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

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 £5,000 LESS that the property next door, according to a survey by the property website Rightmove. Join me online on my free live money management training, Register now 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, Japanese and 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 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

What is the UK Pensions Triple Lock? What can you expect from a bankrupt state pension scheme when you retire? 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? 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-

What is the UK Pensions Triple Lock? What can you expect from a bankrupt state pension scheme when you retire? 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? 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-

Fixed mortgage rates ease following Bank of England’s rate hold. Plus opportunities for landlords to increase rental returns. 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? 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 r

Fixed mortgage rates ease following Bank of England’s rate hold. Plus opportunities for landlords to increase rental returns. 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? 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 r

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 Money Management 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 full interview - https://youtu.be/R7ujUB-7k9o Serviced Accommodation 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

You can turn your property into your pension, or provide a gift house deposit to your children with an Equity Release Mortgage. Laurence Silver, independent equity release adviser. Unlock Financial Freedom: Master the Art of Money Management 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 full interview - https://youtu.be/R7ujUB-7k9o Serviced Accommodation 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 eco

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 difficu

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 dif

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

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

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 prope

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 prope

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 transac

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 transac

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

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 ·  

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@local