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

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 propert

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 mu

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

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: 1. Use an inventory company 2. Make sure your property is clean and presentable from the start 3. Maintain your property to a high standard throughout the tenancy 4. Tenants Fees Act came into force in 2019 so follow the rule or risk a fine. 5. Deposits must be registered with the government-backed Tenancy Deposit Scheme 6. Student letting is a specialised area and you should learn how to do it properly and professionally 7. Corporate landlords are out to eat your lunch and will take the

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 strategie

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

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

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 i

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 th

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 th

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

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

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, co

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: 1. Use a photo to help visualise your goal 2. Make saving money more fun 3. Keep it simple 4. Rainy day money 5. Save more without reducing your income See full article text at www.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 mana

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 1

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

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,

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

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,

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