Money Tips Podcast

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag’. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Watch video here - https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Overseas buyers have dried up, non-doms and the rich are leaving the UK in droves and property landlords have been selling up partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions’. Chancellor Rachel Reeves announced a new tax surcharge on rental income profits in her budget, which sees the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc.), they still need the estimated 2.8 million private buy-to-let property landlords. Opportunities in 2026 Experienced investors will be sitting on cash and watching the housing and stock markets for opportunities to snap up assets at bargain prices, but timing the market can be tricky. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s Gold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble. How to Invest in Gold and Silver? There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (see below for more details). Always seek professional advice before investing. See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Did you reach your goals and targets in 2025? What goals have you set for 2026? I wish you a Happy and Prosperous New Year and hope you achieve your dreams. #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag’. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

What to Expect in the November UK Budget — And 5 Tax Hikes Rachel Reeves Might Impose to fill her ‘BLACK HOLE’ As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters) Despite Labour’s manifesto pledges not to increase income tax, National Insurance (NI), or VAT, Reeves has already hinted that taxes on the wealthy will “be part of the story.” (The Guardian) The Institute for Fiscal Studies warns against a “dash for revenue,” urging her to use smart, targeted reforms. (The Guardian). Below are 5 likely tax rises she might deploy: Capital Gains Tax (CGT) Increase or Removal of ReliefsReeves may bring CGT rates closer to income tax levels or abolish favourable reliefs, especially for high-value assets. (The Guardian) National Insurance on Rental Income / Professional ProfitsApplying NI contributions to landlord earnings or profits from legal firms and consultancies is under consideration to broaden the tax base. (The Guardian) Inheritance Tax (IHT) ReformsProposals include removing the residence nil-rate band, narrowing exemptions, and taxing agricultural estates more heavily. (The Guardian) Cash ISA Allowance ReducedReeves could cut the tax-free cash ISA limit from £20,000 to £10,000 or restructure cushions to funnel savings into investments. (MoneyWeek) Council Tax Surcharges & Higher BandsIntroducing surcharges on high-value properties or adding new bands (G/H) is on the table to raise billions without touching core rates. (Institute for Fiscal Studies) What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo The Chancellor could also tinker with pension allowances and the tax free cash element of pension pots, which would be disastrous for savers approaching retirement age. Watch our upcoming episode on the Charles Kelly Money Tips Podcast where I break down each tax move, what it means for you, and how to legally protect your wealth. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

The long-debated Renters’ Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault’ evictions, and introduces stricter rules on property standards and rent increases.  Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.  Watch full video - https://youtu.be/L6j4EXV1_Cs Other new rules coming in because of the Act include:  Introduction of 15 new offences that can see landlords issued with civil penalties.  Increase in the maximum civil penalty fine that can be imposed of up to £40,000.  Six new offences that can result in landlords facing a rent repayment order.  Increase in the maximum claim period for such orders, with tenants now able to claim back up to two years of rent payments for breaches.  Key Implementation Dates: Investigatory rights for local authorities  From 27th December 2025  Part 1 – changes include, end of fixed terms and Section 21, new possession grounds From 1st May 2026 PRS Database and Ombudsman Late 2026 estimated Decent Homes Standard Date to be confirmed Here are 5 things landlords can do to survive the Renters Rights Act: Review Your Tenant Agreements – Ensure all tenancy contracts comply with the new legal framework. Outdated clauses could make you non-compliant and exposed to penalties. Focus on Quality Tenants – With longer tenancies likely, good tenant relationships are vital. Screen tenants carefully and maintain communication. Incorporate Your Property Business – Many landlords are now using limited companies for tax efficiency, expense flexibility, and better mortgage options. Diversify Your Portfolio – Consider shifting into HMOs, serviced accommodation, leasing to a company or local authority or commercial units for stronger returns and lower regulatory impact. Seek Professional Advice – For instance by joining the NRLA. Stay informed. Property tax planning and compliance advice can save thousands each year under the new regime. Is the buy-to-let rental property sector dead? Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s See also: Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025 These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo If you are stuck in the Section 24 trap and need professional advice, email Charles@CharlesKelly.net #RentersRightsBill #RentersReformAct #UKLandlords #BuyToLet #PropertyInvesting #LandlordTips #PropertyTax #Section21 #UKHousingMarket #CharlesKellyPodcast #MoneyTips #rentersrightsact2025

Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold. This imbalance often creates opportunities. When the ratio is this high, savvy investors see it as a buy signal for silver, expecting the gap to close over time — either through silver rising in price, gold falling, or both adjusting. Silver also has strong industrial demand — it’s used in solar panels, electric vehicles, electronics, and medical tech — all sectors expected to expand in the coming decade. Combine that with limited new mine supply and rising investment interest, and silver looks like a compelling long-term play. While gold remains the ultimate safe-haven asset, silver offers more upside potential during economic recoveries or inflationary periods. If you’ve been considering diversifying into precious metals, now could be the perfect time to accumulate silver while it remains cheap relative to gold. Always consult your financial adviser before making investment decisions. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals #SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection #MoneyTipsPodcast #CharlesKelly

The Conservative Party leader Kemi Badenoch surprised her part conference by announcing a bold pledge: to abolish Stamp Duty on residential property purchases. For decades, Stamp Duty has been one of the biggest frustrations for buyers in the UK housing market. Whether you’re a first-time buyer scraping together a deposit, or a property investor looking to expand, Stamp Duty has always added thousands to the cost of moving. Watch video - https://youtu.be/HkatdJ4Cryo The Conservatives argue that scrapping it will: Make housing more affordable for families Encourage mobility in the market Stimulate property transactions and economic growth But critics warn that it could push up house prices, as buyers with extra cash bid higher, and may not solve the deeper issues of affordability. For landlords and second-home buyers, it could be a major tax saving — but will it mean more competition for first-time buyers? From a UK perspective, this promise could reshape the housing market. If delivered, it would mark one of the most significant changes to property taxation in decades. The policy does not include the Stamp Duty Surcharge on second and buy-to-let properties, introduced by the then Conservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’. Whilst the Conservatives are lagging in the polls, and would still have to win the next general election in three or four years’ time, the shock announcement could prompt Labour to adopt the plan to revive the flagging housing market as well as reversing Sir Kier Starmer’s declining popularity. In today’s Money Tips Podcast, I’ll break down: Who benefits most from this pledge What it could mean for homeowners, landlords, and investors And whether this is a genuine fix, or just another election headline Watch now to find out how this promise could impact your finances. See also: Labour’s Coming for Your House? Rachel Reeves’ Shocking Tax Plan! https://youtu.be/h8zYPlicIAU Is this the right time to buy? Watch full video: https://youtu.be/72J6Bo0sG2Q See also: Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #StampDuty #UKProperty #Conservatives #UKHousingMarket #MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly #PropertyTax #UKFinance

Matteo Turi is a finance leader, investor, and board advisor who has spent nearly two decades working with businesses at pivotal moments of growth. A former CFO across biotech, SaaS, and renewable energy, he now brings the perspective of an M&A investor, currently overseeing $480M in acquisitions. Having sat on both sides of the table — scaling ventures as an operator and evaluating deals as a buyer — Matteo helps founders understand what makes a business truly attractive to investors. Watch video - https://youtu.be/YLg51IeHLvI In 2017, he created the Global Growth Blueprint to address a gap in entrepreneurial education: wealth creation. While much financial training focuses on managing capital, Matteo emphasizes building it — through monetizing intellectual property, succession and leadership planning, and global expansion. This approach has since evolved into The High Valuation Triangle, a model he applies to the five stages of business: startup, scale-up, stagnation, crisis, and exit. He shares these insights through The Exponential Blueprint newsletter, followed by over 22,000 founders, investors, and executives. In September 2025, he will launch its premium counterpart, The High Valuation Code, alongside his forthcoming book, Fail. Pivot. Scale.: Your High Valuation Code Revealed. Drawing on 21 case studies from household names like Amazon, Netflix, Tesla, and Airbnb, the book shows how the most iconic companies turned failure into fuel, pivots into turning points, and scaling into unstoppable momentum. With lessons on recognizing the right kind of failure, pivoting without losing investors, and pulling the levers that accelerate valuation, Matteo equips entrepreneurs with a practical playbook for breaking through growth barriers. See also: Labour’s Coming for Your House? Rachel Reeves’ Shocking CGT ON PRIVATE HOMES Tax Plan! https://youtu.be/h8zYPlicIAU Is this the right time to buy? Watch full video: https://youtu.be/72J6Bo0sG2Q See also: Property or Stocks – Which Is The Best Investment For You?  “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH See also: Property or Stocks – Which Is The Best Investment For You?  “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact:  Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk #propertyinvestment #buytoletproperty #moneytips #rentersrightsbill  #angelarayner #stampduty #taxavoidance

Tax dodging Labour Housing Minister and deputy Prime Minister forced to resign after being found guilty of misconduct under the ministerial code by the Ethics Watchdog. Why are mortgage rates rising despite falling base rates. China, India and Russia’s show of strength defying Trumps sanctions and the dominance of the Dollar. See also: Labour’s Coming for Your House? Rachel Reeves’ Shocking Tax Plan! https://youtu.be/h8zYPlicIAU Is this the right time to buy? Watch full video: https://youtu.be/72J6Bo0sG2Q See also: Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH See also: Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk #propertyinvestment #buytoletproperty #moneytips #rentersrightsbill #angelarayner #stampduty #taxavoidance

Now they want your main residence and wealth – what Rachel Reeves’ latest tax proposals mean for YOU… Labour’s Chancellor, Rachel Reeves, has sparked controversy with proposals that could hit UK homeowners and investors hard. She’s considering a new wealth tax and extending Capital Gains Tax (CGT) to residential homes, something that has never been done before for main residences. On top of that, she’s looking to reform Stamp Duty and replace it with wealth and CGT on main residences. Having f@cked the economy, the government’s finances are in a mess, with the national debt standing at £2.7 trillion and rising by £5,000 every second, so Reeves is desperately scratching around to find ways to tax us even more without raising the basic income tax rate. What does this mean for property owners, landlords, and anyone planning to buy or sell? Could your family home now be seen as a taxable asset? And what impact will this have on house prices and the property market as a whole? In this episode of the Money Tips Podcast, I break down: What these tax changes could look like Who will be affected the most How you can prepare and protect your wealth before it’s too late Watch now to stay ahead and avoid nasty surprises https://youtu.be/h8zYPlicIAU Subscribe and like for more UK-focused financial insights. What is your biggest money goal? We are living in challenging economic times. I want to show you how can you: Not only survive, but thrive in a recession or depression? Get control of your finances and spending? Save and invest for your future? Learn about money and finance? To help you, I am running a free training webinar. 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #UKProperty #RachelReeves #CapitalGainsTax #WealthTaxUK #StampDuty #UKHousingMarket #MoneyTipsPodcast #FinancialFreedomUK #CharlesKelly #PropertyInvestmentUK

UK house prices fell again last month, as the property website Rightmove reports a summer drop of £10,000. Watch video - https://youtu.be/v4Er9PW8ns4 What is your biggest money worry? We are living in challenging economic times. I want to show you how can you: Not only survive, but thrive in a recession or depression? Get control of your finances and spending? Save and invest for your future? Learn about money and finance? To help you, I am running a free training webinar. 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #tax #section24 #landlordtax #interestrates #property #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth

You couldn’t make it up! Former homelessness Minister Rushanara Ali, MP, had to resign from her government job last week after it was revealed that she had evicted her tenants claiming that she was selling the property, but later listed it for rent at £700 per month more, a rental hike of 20%! In other words, she did the very thing her own Labour government will ban under the Tenant’s Rights Bill. She has not apologised, only stated that she had not broken any laws. Whilst she is factually correct under the current rules, what she did will be outlawed next year. She is part of the government that has drafted the new rules which will end Section 21 eviction notices and ban landlords from re-listing their properties for rent if they have previously stated they were selling it for up to 12 months. Rank hypocrisy of government ministers who tell us to do as I say as I do. The Bank of England have cut interest rates from 4.25% to 4%, the lowest level for two years. Watch full video… https://youtu.be/8Z6-x99Wu9Y If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk #propertyinvestment #buytoletproperty #moneytips #rentersrightsbill #section21

London sees the biggest drop as average property prices suffer highest July fall in 20 years. UK economy slides Unemployment rises Inflation rises Watch full video: https://youtu.be/UjzOv8cOf1M See also: Should You Buy Property In The UK Right Now? Property has long been the go-to for British investors and residential home owners. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the game. Is this the right time to buy? Watch full video: https://youtu.be/72J6Bo0sG2Q Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk #propertyinvestment #buytoletproperty #moneytips #rentersrightsbill

In today’s Money Tips Podcast, we’re diving into one of the most common questions: Property has long been the go-to for British investors and residential home owners. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the game. Is this the right time to buy? Watch full video: https://youtu.be/72J6Bo0sG2Q See also: Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH See also: Property or Stocks – Which Is The Best Investment For You? “Should I invest in property or the stock market?” Watch video - https://youtu.be/M6kWFPs8HPw If you are a buy-to-let property landlord and help with Section 24, or would like to attend a free property course on 'No Money Down' Property Investing, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk #propertyinvestment #buytoletproperty #moneytips #rentersrightsbill

Property or Stocks – Which Is The Best Investment For You? In today’s Money Tips Podcast, we’re diving into one of the most common questions UK investors ask: “Should I invest in property or the stock market?” Both have made millionaires — but which one is right for you? 🏠 Property has long been the go-to for British investors. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the game. Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH 📈 Stocks and shares, on the other hand, offer easy diversification, liquidity, and tax-efficient options like ISAs and pensions. With global exposure and lower entry points, investing in the FTSE 100 or global ETFs might give you more flexibility — and fewer headaches than tenants and repairs. 💡 In this episode, I compare the pros and cons of both — from risk and returns to tax, time commitment, and long-term potential. I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv 👉 Watch now and decide for yourself which investment suits your goals best. 🔗 Subscribe for more UK-focused financial tips every week! Learn more about property investing in this free webinar: https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH #PropertyInvestmentUK #StockMarketUK #BuyToLet #InvestingTips #MoneyTipsPodcast #UKFinance #StocksVsProperty #PassiveIncomeUK #FinancialFreedomUK #CharlesKelly

As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies. Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #millionairesleaveuk

Tensions in the Middle East have reached a critical point. The recent escalation between Israel and Iran, combined with a surprise U.S. bombing raid reportedly ordered by former President Donald Trump, has sent shockwaves through global markets. In this episode, we break down what this means for your money, investments, and the global economy. Watch video version - https://youtu.be/-0se6ml0Iyc Whenever conflict erupts in the Middle East, one of the first indicators to spike is oil prices—and this time is no different. This rise affects everything from transportation costs to food prices, meaning inflation could once again creep into your monthly budget. Managing your money is important especially in uncertain times. Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv Brent Crude could reach $120 or even $130 a barrel if the war escalates or the Hormuz Straights close, according to JP Morgan, which would be disastrous for the world economy. Stock markets have also reacted. Defence stocks rallied, while airline, travel, and tech sectors took a hit. Investors are shifting towards "safe havens" like gold, which jumped 5% in just 24 hours. Meanwhile, the U.S. dollar strengthened slightly amid uncertainty, and cryptocurrencies saw mixed movements, with Bitcoin showing volatility as traders assess global risk. UK defence shares, such as BAE (up 30% this year), Babcock (50% rise) and Rolls Royce (41%) following the West’s promise to increase defence spending in the wake of the Ukraine war. Beyond markets, the long-term consequences could be even more serious. Rising global tensions may lead to further military spending, reduced investor confidence, and slower economic growth—especially in already fragile economies. What does this mean for everyday people? Expect higher fuel costs, more expensive imports, and potentially increased taxes if governments shift more funding to defence. For investors, diversification and risk management are more important than ever. In this episode of the Money Tips Podcast, I’ll explore the broader implications of this geopolitical crisis and offer practical advice on how to protect your finances. 👉 Watch now and subscribe for clear, calm financial insight during turbulent times. Managing your money is important especially in uncertain times. Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv What can you do? As Warren Buffett said, financial education is the key to building wealth. It’s the stuff they don’t teach you in school. Learn how to build and protect wealth. Learn how to manage your money. Learn how to invest in assets rather than losing money by lending it to the banks. Learn about the invisible taxes like inflation which is eating up your savings. Learn about Gold and Silver, the only real money. Property Stocks and Shares I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv #IsraelIranConflict #TrumpBombingRaid #OilPrices #GlobalMarkets #FinancialCrisis #StockMarketNews #Geopolitics #MiddleEastWar #GoldPrices #BitcoinNews #Recession2025 #MoneyTips #CharlesKelly #FinancialFreedom #InvestingTips

In this week’s Money Tips Podcast: Silver reaches 14 year high amid global economic slowdown, wars and Trump tariffs. Silver to Gold ratio narrows as nations like Turkey, China and India hoard more Gold. Gold overtakes the Euro as preferred reserve currency. Should you hold gold and silver as part of your portfolio? To learn more Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv  World Bank forecast lowest growth rate for the decade since 1960s. Rachel Reeves on massive spending spree, while business confidence and jobs plummet. Where is she going to get the money from? Taxpayers and businesses, us! UK economy declined in April, as growth stagnates. Job vacancies and recruitment falling, as higher taxes drive business away.  See Smart Money Is Moving East – Is the UK Finished? - https://youtu.be/_5jK8oHuj8o What can you do to secure your financial future in this changing world?  Could Japan’s debt crisis cause a worldwide recession? The more money I made the less I had. Al Pacino, legendary Hollywood actor Despite earning millions from hit movies such as The Godfather trilogy, Scarface and The Scent of a Woman, Al Pacino was almost broke TWICE at the height of his fame and fortune. Living “high on the hog”, spending $3-400,000 per MONTH! Flying private jets and renting a huge house in Beverley Hills for 20 years! He once flew his family and nannies on a private Gulfstream 500 to London and took an entire floor at the Dorchester. He left his finances in the hands of a crooked accountant to the celebrities, who was later sentenced to seven years in jail for running a Ponzi scheme. Pacino loved acting but admits that he was not paying attention to his finances and failed to invest. In his book, Sonny Boy, he said, “I would give money away because I had it” and “it didn’t feel real, but it was, as I later found out”. “The amount of money I was spending was so f****** crazy, a montage of loss” the Godfather star added.  Pacino said when you make $10 million dollars for a movie you don’t get $10 million dollars. After lawyers, agents and the government take their share you end up with around $4 million. His living expenses alone were at least that amount before he put his own cash into arthouse films which made no money and in many cases were not even distributed.  Things were out of control as his staff and expenses expanded. He owned two cars, but was paying for sixteen, along with multiple cell phones, salaries and a $400,000 a year for a landscaper on a house he didn’t even own! The list goes on and the star wasn’t even signing his own cheques and his money was draining out faster than a leaking pipe. Hangers on took advantage of Pacino’s generosity as his staff and expenses eventually grew beyond his means.  He said, the more money he made the less he had! What can we learn from Pacino’s mistakes? You don’t have to be a movie star to experience the same issues. Managing your money is important whether you’re making $100,000 a year or $100 million! Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv  What can you do? As Warren Buffett said, financial education is the key to building wealth. It’s the stuff they don’t teach you in school.  Learn how to build and protect wealth. Learn how to manage your money. Learn how to invest in assets rather than losing money by lending it to the banks.  Learn about the invisible taxes like inflation which is eating up your savings.  Learn about Gold and Silver, the only real money. Property Stocks and Shares I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv #GlobalPowerShift, #UKEconomy #BritainInDecline, #MoneyTipsPodcast, #SmartInvesting2025 #gold #silver #goldsilverratio #japandebtcrisis #globalrecession

The Global Power Shift has begun – The East Has a plan has UK lost the plot? As the West fumbles with political chaos, rising debt, and short-term thinking, the East powers ahead with vision and purpose. Countries like China, Malaysia, and the UAE are investing in infrastructure, education, and long-term strategy—while the UK seems stuck in a loop of tax hikes, red tape, and broken systems.  In this episode, I explore how global power is shifting fast—and why investors, entrepreneurs, and even families are looking East for opportunities, stability, and growth. What can you do to secure your financial future in this changing world? Has Britain lost the plot? Let’s find out. Watch full video at Charles Kelly Money Tips Podcast - https://youtu.be/_5jK8oHuj8o China’s multi-billion dollar ‘Belt and Road Initiative’ project is linking three quarters of the world’s countries - 150 nations through Road and Maritime former silk routes.  Linking countries like Malaysia, Thailand, Cambodia, Laos, Pakistan, Uzbekistan, Kazakhstan and more.  They are building it, not talking about it for 30 years like we do in the UK. Successive governments have been debating expanding London’s Heathrow Airport by one runway since the Beatles were together.  Take That and Taylor Swift were not even born!  Rail links across Laos and Cambodia to China allow farmers to deliver produce to the vast Chinese market in 6 days. Trade has exploded in SE Asia from car manufacturing, industry to education and agriculture. What can you do to secure your financial future in this changing world?  Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv  As China expands its influence, where do you think countries in Southeast Asia and the Middle East will look to for its future? America or China?  Who do they see as their friend when China is building trading links while America is ‘weaponizing’ the dollar and telling them what to do? Why are more countries applying to join BRICS? Chinese overtook the US as Africa’s largest trading partner in 2009. The West (Europe and America) has been asleep at the wheel for decades.  UK previously had strong links with African nations, (many of whom were given Independence after the Second World War as the empire declined), through the commonwealth. But with all due respect to the Royal Family, wheeling out the Queen to wave at the crowds every few years is not enough.  China is running rings around the west.  Unlike western democracies who can only plan as far as the next election, China has a long term vision and strategy.  Look what’s happening in the Middle East in countries like Dubai, Qatar and Saudi which are all embarking on massive multibillion-dollar projects to reinvest their oil wealth for their future. They also attracting the brightest and the best entrepreneurs, engineers, scientists and IT people, while the UK is taxing them out of existence.  New World Order?  What do you think? China and many other Southeast Asian countries have a plan. The Middle East has a plan. What is the UK’s plan? Tax and spend our money! Tax and spend our savings! Tax and spend our pensions! (Rachel Reeves is doing a Gordon Brown tax raid on pensions.  He bankrupted Britain). Tax business and landlords Tax jobs and employment Tax motorists Tax parents who send their children to private schools! The government is coming after YOUR money! They have already borrowed billions and can’t afford to fund their fantasy schemes.  Where is the big thinking and long term vision? Where is the growth, green energy? Really? While they lurch from one crisis to the next, smart people, educated professionals, businesses and entrepreneurs are leaving the UK to go where they are appreciated. Have any of the top ministers ever run a large business? I wouldn’t trust them with a market stall? What can you do? As Warren Buffett said, financial education is the key to building wealth. It’s the stuff they don’t teach you in school.  Learn how to build and protect wealth. Learn how to manage your money. Learn how to invest in assets rather than losing money by lending it to the banks.  Learn about the invisible taxes like inflation which is eating up your savings.  Learn about Gold and Silver, the only real money. Property Stocks and Shares I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv #GlobalPowerShift, #UKEconomy, #RiseOfTheEast, #ChinaStrategy, #MalaysiaMM2H, #InvestInAsia,  #BritainInDecline, #Geopolitics2025, #EastVsWest, #EmergingMarkets, #EconomicShift, #MoneyTipsPodcast, #SmartInvesting2025