Money Tips Daily by Charles Kelly, former IFA and author of

12 Simple Steps 8 Get Out Of Debt Fast And For Good

An episode of Money Tips Daily by Charles Kelly, former IFA and author of

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By Charles Kelly
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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6 Trump Tweets Wipes $500 Billion off U.S. Stocks in one day
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.
11:08
August 24, 2019
Landlords Reject Benefit Tenants
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.
07:31
August 23, 2019
Don’t Let The Grass Grow Under Your Feet
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.
11:17
August 22, 2019
UK attracts £5 billion in tech investments this year
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.
10:56
August 21, 2019
Kylie Jenner – The Entrepreneur Turning Economics on its Head
 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.
09:12
August 20, 2019
UK Chancellor will not change Stamp Duty
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.
12:05
August 19, 2019
Stock market is in "TURMOIL", recession looms?
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?
12:14
August 18, 2019
7 ‘no money down’ property strategies using other people’s money
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 1. JV – joint venture with someone who has cash to invest but not the time. 2. Rent to Rent – control property and rent out for a profit. 3. Refinance – draw off equity by remortgaging your, or someone else’s, property. 4. Crowdfunding – sourcing funds from groups of investors. 5. Lease Options – buy now, pay later with option, but not the obligation to buy. 6. Rent to buy – rent now, buy later. 7. 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.
20:21
August 17, 2019
Is debt a liability or an asset?
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.
04:00
August 16, 2019
Signs of Recession as World Markets Tumble
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
13:36
August 15, 2019
Big stores demand Government Business Rates reforms to save the high street
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.
06:06
August 14, 2019
30 Years of Worldwide Web has changed everything and is destroying the High Street
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.
09:48
August 13, 2019
Are 100% Mortgages back?
 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.
09:29
August 12, 2019
Weekly News Roundup 11 August 2019
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.
08:12
August 11, 2019
UK Economy Shrinks in 2nd Quarter as 1 Million More Young Adults Still Living With Parents than a Decade ago
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.
14:00
August 10, 2019
Where are nervous investors putting their money?
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.
11:37
August 9, 2019
Currency Wars And What You Can Do To Prepare For A Recession
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.
08:40
August 8, 2019
5 Reasons Why A Stockmarket Crash Could Affect You Even IF You Don't Invest In Shares
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.   1. 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. 2. 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?  3. 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.   4. 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. 5. 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.
13:30
August 7, 2019
Dow Jones Plummets As Trump-China Trade War Escalates
Dow Jones closes down 767 points or 2.9% wiping billions off the value of companies after US China trade war escalates.
07:21
August 5, 2019
Beware of “Unlocking” Your Pension
Take independent financial advice before “unlocking” or cashing in your defined benefit pension.
12:37
August 5, 2019
Weekly News Roundup 4 August 2019
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
08:10
August 4, 2019
By-Pass the Car-Hire Insurance Scam
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.
02:45
August 2, 2019
UK Base Rates Held as Bank of England Downgrade Growth Forecasts
UK Base Rates Held as Bank of England Downgrade Growth Forecasts Is this the time to consider a fixed rate mortgage?
07:45
August 2, 2019
Have You Been Ripped Off By Your Bank?
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
09:09
August 1, 2019
Virgin Money Announce 15 Year Fixed Rate Mortgage Deal
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.
07:24
July 31, 2019
Primark Demands 30% Rent Reduction
Leading UK retailer is asking landlords to reduce its rents by up to 30% in return for extended leases.
08:10
July 30, 2019
Weekly News Roundup - 15-year-old millionaire e-gamer from Essex runner-up in world e-sports final
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.
10:08
July 29, 2019
3 Quick Money Travel Tips Before You Take Your Holiday
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.
07:05
July 27, 2019
Worst Property Market Since 2009 says leading Estate Agent
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
09:30
July 27, 2019
Sports Direct, Mike Ashley, House of Fraser and High Street Demise
Sports Direct Chairman regrets buying House of Fraser for £90m.
07:27
July 26, 2019
Learn No Money Down Property Secrets to Acquire and Control Property
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
03:03
July 25, 2019
Metro Bank Profits Plunge 84% as Boris Johnson Moves into No. 10
Metro Bank Profits Plunge 84% as Boris Johnson Moves into No. 10.
09:37
July 24, 2019
Boris Johnson Elected Tory Leader and will be the next UK Prime Minister
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?
07:11
July 23, 2019
Just because an asset is priced low doesn’t mean it’s cheap – look at value not price
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 
15:36
July 22, 2019
Weekly Money Tips News Roundup 210719
Weekly News Roundup 210719
03:51
July 21, 2019
Pensions Scams and Recessionary Indicators
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
18:34
July 20, 2019
You Can Get Rich in the Digital Economy
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.
13:02
July 19, 2019
Will Brexit, the slowing UK economy and increased taxes affect property the market?
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
13:55
July 18, 2019
London Property Prices Falling at Fastest Rate Since 2008/2009 Financial Crisis
  London Property Prices Falling at Fastest Rate Since 2008/2009 Financial Crisis.
18:26
July 17, 2019
Can You Acquire Property With No Money Down?
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.
07:21
July 16, 2019
PPI Claims Deadline Looming
You have until 29 August to submit your claim for mis-sold PPI insurance.
03:52
July 15, 2019
Weekend Money News Roundup
Weekend Moey News Roundup.
06:43
July 14, 2019
What’s the point of Amazon Prime day?
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 
09:01
July 13, 2019
Billions left in forgotten accounts go to charity
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.
08:47
July 12, 2019
4 in 10 people forget to cancel subscriptions
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
05:09
July 11, 2019
Should the British NHS Treat Anyone Free of Charge Regardless of their Residential Status?
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?
05:18
July 10, 2019
10 Tips on How to Survive and Thrive in a Recession
 10 Tips on How to Survive and Thrive in a Recession     1. Prepare for a recession because one always comes sooner or later. 2. Save and create an emergency fund. 3. Pay off and cut out consumer debt. 4. Create additional or multiple income streams. 5. Check on your investments and think about diversifying if you are heavily into equities or shares. 6. Talk to your family or friends.  7. Reduce expenses to live within your means.  8. Be that indispensable employee so that money still is keeps coming in. 9. Keep saving money as part of your budget.   10. Avoid recession depression and try to enjoy life 
17:07
July 9, 2019
Should you be worried about the US inverted yield curve?
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
13:01
July 8, 2019
Ignoring this simple tip could bankrupt you
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
11:53
July 7, 2019
Money Tips Daily Weekend News Roundup 6 July 2019
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
09:59
July 6, 2019
Amazon’s birthday, from scratch to $1 trillion in 25 years
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
16:18
July 5, 2019
Protect yourself against liabilities to preserve your wealth
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
09:06
July 4, 2019
Teaching Children About Money
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
12:36
July 3, 2019
8 Quick Tips to Start Your Day
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
16:39
July 2, 2019
The 3 R's of Money Management Extended Version
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
21:50
July 1, 2019
Is Your Money Safe in a Peer-to-Peer Lending Platform?
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. 
10:27
June 30, 2019
35 Year Mortgages Make Comeback To Help First-Time Buyers Borrow More
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. 
13:15
June 29, 2019
Landlords, important Update on the Repeal of Section 21 of the 1988 Housing Act
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. 
20:36
June 27, 2019
Breaking news for landlords which could prevent you gaining possession of your property under Section 21
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.
16:29
June 27, 2019
The Amazing Story of Reggie Nelson knocking on doors in London's wealthiest area to ask for advice on how to become rich
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
17:38
June 26, 2019
Why New Businesses Fail
Why do so many new businesses fail in the first few years?
14:57
June 25, 2019
Loyalty does NOT pay when it comes to utility providers such as broadband, gas and electricty
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
12:40
June 24, 2019
Cyber security and credit protection advice from the real Frank Abagnale featured in the Leonardo Di Caprio movie Catch Me if You Can
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
22:17
June 23, 2019
Is the welfare state system broken, and if so, what are you going to do to fund your retirement and elderly care?
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
23:15
June 22, 2019
Money is everywhere in abundance if you have the right money mindset to 'see' it
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
16:04
June 21, 2019
5 Money Tips Plus Grant Cardone's Secret Of Building A Fortune
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  Facebook  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
18:00
June 20, 2019
Facebook’s Libra Currency Worries Banking World And G7
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
20:20
June 19, 2019
5 Tips To Increase Your Network And Net Worth!
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
20:15
June 19, 2019
120,000 UK buy-to-let investors quit market since government’s anti-landlord legislation announced
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
23:28
June 18, 2019
Is UK property still a good investment?
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.
23:16
June 17, 2019
Money News – Mortgages, Monza Bank, FTSE100 and MLM Scams
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
23:52
June 16, 2019
Making and keeping money are two different skills, as TV chef Jamie Oliver discovered
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
18:27
June 15, 2019
3 Tips To Avoid Post Christmas Financial Hangover
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.
12:54
September 25, 2018
Will house prices crash after Brexit?
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.
14:39
September 24, 2018
Will You Be Able To Retire?
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
20:22
July 11, 2018
It’s Not Brexit But Your U’Conomy Determines Your Success
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!
12:47
July 10, 2018
Get Back 30 Hours A Week And Follow Paris Lees Advice
Learn how Paris Lees turned her life around and went from prison to huge success.
14:50
July 3, 2018
The 4 D’s Of Getting Things Done And Feeling Better
This simple, 4 step process will help you stay on top of things and feel better about yourself what ever the outcome.
25:58
June 22, 2018
What You Should Focus On When Starting A Business
Most new business people focus on long-term goals instead of short-term activities to gain new clients.
11:09
June 20, 2018
Student Visa Rule Change Boost To Property Lettings
Changes to student Visa rules announced by the Home Secretary this week could provide a much-needed boost for landlords and property investors.
06:57
June 18, 2018
London £1 million Property Glut As Market Stagnates
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.
15:40
June 16, 2018
UK To Relax Visa Rules For Nurse’s And Doctors
More opportunities for overseas doctors and nurses could open up this week as UK Home Office is set to relax Working Visa rules.
07:51
June 15, 2018
How To Protect Your Valuables And Save Money On Insurance
Your valuables may not be fully insured and your household policy. In this episode we look at household insurance and safety deposit boxes.
15:38
June 13, 2018
Do Banks Make Life Difficult For The Poor?
How to avoid being caught in the banking poverty trap.
08:54
June 11, 2018
Will The World Be A Better Place For You Having Been Here?
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.
11:56
June 9, 2018
3 Marketing Tips To Build Your Social Media Audience
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
14:23
June 8, 2018
4 Quick Tips To Overcome Procrastination
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.
13:33
June 8, 2018
70 Years To Make A Decision
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.
14:59
June 5, 2018
12 Simple Steps 8 Get Out Of Debt Fast And For Good
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.
28:18
June 4, 2018
Innovate And Improve But No Need To Reinvent The Wheel
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.
19:14
June 1, 2018
Do This If You Want To Be Broke All Your Life
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.
14:08
June 1, 2018
Take Action And Find The Opportunities
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.
24:16
May 30, 2018
You Don’t Need Money To Make Money
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
13:45
May 27, 2018
My 3 Golden Rules Of Investment
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.
22:59
May 25, 2018
Weekly Financial and Business Roundup
Money Tips weekly quick summary of the UK financial and business news.
16:21
May 20, 2018
Meghan And Harry Boost UK Economy
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.
05:42
May 20, 2018
Can You Afford To Retire? If Not, What Can You Do About It?
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
26:13
May 16, 2018
Richest Man In UK Started Life In Council House
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.
12:21
May 14, 2018
More Millionaires And Investors Than Ever
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.
07:36
May 13, 2018
Workers March For More Money But Are They Right?
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.
13:30
May 13, 2018
Financial News This Week Interest Rates Held
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.
11:57
May 11, 2018
Insurance Company Goes Bust How To Avoid Losses
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.
05:36
May 9, 2018
You Have Won The Jackpot In The Lottery Of Life
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!
11:28
May 8, 2018
Warren Buffettt's No 1 Investment Tip
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
05:41
May 6, 2018
Disruptive Companies Good For Consumers
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!
13:27
May 6, 2018
Regulators Offer Lifeline To Mortgage Prisoners
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.
11:17
May 4, 2018
Is Elon Musk Arrogant To Dismiss Analyst Questions
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?
09:08
May 4, 2018
The 3 R’s Of Money Management
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
11:19
May 2, 2018
How Will You Provide For Your Retirement?
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
43:27
May 2, 2018
What Do Baby Boomers Fear Most? It’s Not Death!
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?
23:24
April 30, 2018
Shopping Trends Changing As UK Supermarkets Merge
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!
07:21
April 29, 2018
Why Is The Grass Always Greener On The Other Side?
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
13:43
April 29, 2018
5 Tips To Survive In A Start-Up Business
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.
16:51
April 28, 2018
Follow Oprah Winfrey’s Advice And Do This
Millionaires and multi-millionaires like Oprah Winfrey recommend doing this one thing every day.
04:40
April 27, 2018
How To Unlock The Equity In Your Home In Retirement
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.
15:30
April 25, 2018
Pensions Cold Calling To Be Banned To Protect Consumers
The UK government is taking action to ban cold calling on pensions and other financial products.
11:24
April 24, 2018
What Do You Stand For?
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.
12:14
April 23, 2018
What’s Your USP And Why Should Anyone Buy From You?
I’ve just returned from a trip to Ireland and flew with Ryanair. Their motto is Low Fares Made Simple. What’s yours?
09:33
April 22, 2018
Teach Your Children About Money
Educating your children about money it’s not any good for them, it’s good for you also!
04:19
April 20, 2018
Don’t Get Caught With Your Pants Down
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.
26:21
April 20, 2018
10 Things You Probably Don’t Know About Banks
Any successful economy needs a robust banking system, however, most people do not realise how banks really work and how they make their money.
15:52
April 19, 2018
Good News For UK And World Economy
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.
09:33
April 17, 2018
Has Brexit And Stamp Duty Killed The London Property Market
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?
20:37
April 16, 2018
What Money Language Do You Speak?
Your words and money language have a great influence over your bank balance than you think. Find out more on this Money Tips podcast.
07:05
April 16, 2018
Show Gratitude For What You Have To Attract More!
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.
06:41
April 14, 2018
5 Tips To Help You Get A Pay Rise
Before you ask you boss for a raise, listen to this Podcast!
15:37
April 13, 2018
5 Tips To Help You Get A Pay Rise
Listen to the tips before you ask your boss for a pay rise.
15:37
April 13, 2018
Learning To Say “No” Could Save You A Fortune
Learning to say “no”more often than you say “yes” could save you a lot of time money and heartache.
04:17
April 12, 2018
How To Stay On Target And Reach Your Goals
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.
10:34
April 10, 2018
You Can Be Wealthy And Spiritual
Can you be both wealthy and spiritual? Can you be rich and good? I love the story of John Lennon...
09:14
April 9, 2018
What’s Your Plan Today?
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.
09:24
April 9, 2018
How To Save Mobile Data Wastage By Changing One Setting
Change in this one setting will save your mobile iPhone data usage and stop you running out halfway through the month.
11:13
April 7, 2018
To Achieve Anything Meaningful In Your Life Set Goals
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!
17:27
April 7, 2018
Start Saving Now As New Tax Year Begins
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.
12:03
April 6, 2018
Landlords Risk £5000 Fine On Low Energy Rated Properties
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.
05:40
April 6, 2018
Last Chance To Claim UK Tax Allowances Tax Year Ends 05/04
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!
12:56
April 4, 2018
Do You Really Need That Car?
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.
07:51
April 1, 2018
3 Ways Of Making Money That Didn’t Exist 10 Years Ago
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.
06:32
April 1, 2018
What Is Crowdfunding And How Can You Benefit?
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!
06:04
March 31, 2018
Get Ready For GDPR Data Protection Rules Or Face Heavy Fines
New data protection regulations (GDPR) come into force on 25 May 2018. Make sure you’re compliant or face a heavy penalty.
05:23
March 30, 2018
UK House Prices Up 5.2% 2017
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.
10:36
March 27, 2018
How safe is your job? Three strategies to protect yourself
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!
06:03
March 27, 2018
When Is The Best Time To Shop For Supermarket Reductions?
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
05:37
March 26, 2018
Does Facebook Influence Democracy?
Despite the negative press, Facebook is still an excellent platform for advertising , especially if you are small business.
07:42
March 25, 2018
Pensions Vs Property Investment
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.
19:29
March 24, 2018
Pension Plans Vs Property Investment
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.
19:29
March 24, 2018
Pay Yourself First And Get Into The Habit of Saving
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.
14:12
March 23, 2018
Pay Yourself First And Get Into The Habit of Saving
Paying yourself first means putting money aside before you spend it and pay everybody else.
14:15
March 23, 2018
Never Stop Learming And Embrace Digital Marketing
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
13:16
March 21, 2018
If you will change, everything will change for you
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.
04:44
March 21, 2018
Top 10 Tips To Save Money On Your Heating Bill And Surviving The Cold
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.
09:37
March 20, 2018
New Mortgage Rule Leaves Buy-to-Let Investors Confused
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.
06:18
March 19, 2018
A Simple Shopping Tip That Will Save You A Fortune
Follow the simple tip and save hundreds on your shopping bill.
04:17
March 18, 2018
10 Tips To Avoid Financial Ruin
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
15:00
March 16, 2018
Leasehold Property Is A Legal Landmine So Be Wary
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.
12:23
March 16, 2018
Your Health Is Your Real Wealth So Look After It!
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.
06:20
March 15, 2018
Get A Cashback When You Switch Banks
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:
03:57
March 14, 2018
How To Avoid Unnecessary Data Roaming Charges
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....
04:43
March 13, 2018
The Rich Don’t Need You To Be Poor For Them To Be Rich
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
04:30
March 12, 2018
Avoid Litigation Be A Mediator Not A Litigator
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
05:05
March 11, 2018
The Reason Why Property Is The Best Investment
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.
14:04
March 10, 2018
What’s all the fuss about property and why should you care?
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.
10:13
March 9, 2018
UK House Prices Fall, What Does This Mean For You?
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
06:42
March 8, 2018
Your Network is Your Net Worth
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
08:37
March 7, 2018
How to Monetise your Knowledge and Turn Passion into Profits
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
06:33
March 6, 2018
Your MONEY B.E.L.I.E.F SYSTEM
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
05:04
March 4, 2018
The 5 C’s to Avoid Wasting Food and Money
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
05:30
March 4, 2018
New HMO Rules May Force Landlords Out Of The Rental Market
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
07:19
March 2, 2018
What You May Not Know About Insurance Policies Can Hurt You
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
09:48
March 2, 2018
Leverage Your Time and Change Your Life
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.
09:25
March 1, 2018
Time Management is Life Management
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.
05:34
February 28, 2018
Financial Education is the Key to Wealth
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
04:54
February 27, 2018
Live Long and Prosper
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.
05:10
February 26, 2018
Get A Good Nights Sleep
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
07:10
February 25, 2018
Never Borrow On Cards For Consumer Goods That Depreciate
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
04:36
February 23, 2018
Model The Rich And Successful
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.
04:48
February 23, 2018
Slash Your Tax Bill Legally
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
04:59
February 21, 2018
2 Tips to Save And Make Money
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
02:27
February 21, 2018
3 Steps To Build Credit Rating
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: 1. 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. 2. 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
04:13
February 20, 2018
Money Tip Check Credit Rating
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
04:56
February 19, 2018
Money Tips- Negotiate!
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
04:31
February 18, 2018
Money Tips Make Money Online
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
04:09
February 17, 2018
Money Tips Generate Extra Cash
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
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February 16, 2018
Penny Saved is a Penny Earned
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
04:59
February 15, 2018
Inner world reflects outer...
Money Tips Daily Your Inner World Reflects Your Outer World.
04:36
February 13, 2018
Your Money Philos
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
03:00
February 13, 2018
Money Tips Daily Tax Returns!
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
03:44
February 11, 2018
Money Tips Daily Mobile Phone
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
04:17
February 10, 2018
Money Tips Review Utilities
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. Listen to the short episode from Money Tips Daily.
02:44
February 9, 2018
Money Tip Review Your Mortgage
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.
04:41
February 9, 2018
Interest Rates Set to Rise So Review Your Mortgage Deal NOW! 9 February 2018
Money Tips Daily - Interest Rates Set to Rise So Review Your Mortgage Deal NOW!
04:41
February 9, 2018
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