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

Should You Buy Gold or Silver NOW? Most Investors Get This WrongSilver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.Watch video - https://youtu.be/4A9QzSla6_oGold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.FOMOSo should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.Don’t get carried away by FOMO– fear of missing out.Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.Silver coins are also sold with a significant mark up making short termgains difficult.As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips 

Should You Buy Gold or Silver NOW? Most Investors Get This WrongSilver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.Watch video - https://youtu.be/4A9QzSla6_oGold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.FOMOSo should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.Don’t get carried away by FOMO– fear of missing out.Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.Silver coins are also sold with a significant mark up making short termgains difficult.As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips 

How To ‘Shop Away’ YourMortgage and Save Thousands On Interest And Become Debt FreeJinesh Vohra, founder of Sprive.com explains how using hisapp while doing your weekly shop can save your thousands of pounds and help youpay your mortgage off years earlier.Watch video - https://youtu.be/TfC85fdkCvMHouse Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa3 Steps To Success Money Management!I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHUSE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5towards the mortgage)#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast#TaxPlanning #sprive.com #savemoney

How To ‘Shop Away’ Your Mortgage and Save Thousands On Interest And Become Debt FreeJinesh Vohra, founder of Sprive.com explains how using hisapp while doing your weekly shop can save your thousands of pounds and help youpay your mortgage off years earlier.Watch video - https://youtu.be/TfC85fdkCvMHouse Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa3 Steps To Success Money Management!I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHUSE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5towards the mortgage)#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast#TaxPlanning #sprive.com #savemoney

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport inWest 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 a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampWatch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-FoaProperty prices in London and parts of theSouth East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport inWest 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 a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampDuty increase in April and uncertainty over the budget which saw theintroduction of a mansion tax.Overseas buyers have dried up, non-doms andthe rich are leaving the UK in droves and property landlords have been sellingup partly due to the Renters Rights Act and the abolition of Section 21 ‘nofault evictions’. Chancellor Rachel Reeves announced a new tax surchargeon rental income profits in her budget, which sees the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Watch fullvideo here - https://youtu.be/O38dvXPp22kAlthough successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc.), they still need 2.8 million private buy-to-letproperty landlords. OpportunitiesInvestors will be sitting on cash and watching the housingand stock markets for opportunities to snap up assets at bargain prices, buttiming the market can be tricky.House prices are already being discounted by sellers. Propertyprices are overpriced when compared to incomes. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sGold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble.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 (seebelow for more details). You can also buy funds which hold precious metals, as well as mining companies, directly on stock markets or through your ISA, SIPP and SSAS pensions (IRAs). Seek professional advice before investing.  See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHTime for reflectionHas 2025 been a good year for you?Did you reach your goals and targets?What goals have you set for 2026?I wish you a Happy and Prosperous New Year and hope you achieve yourdreams.

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued 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 a2.4% 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 theintroduction of a mansion tax.Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-FoaProperty 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 inWest 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 a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampDuty increase in April and uncertainty over the budget which saw theintroduction of a mansion tax.Overseas buyers have dried up, non-doms andthe rich are leaving the UK in droves and property landlords have been sellingup partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions’. Chancellor Rachel Reeves announced a new tax surchargeon 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 higherthan the basic and higher rates of tax from April 2027.Watch fullvideo - https://youtu.be/O38dvXPp22k 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 2.8 million private buy-to-let property landlords. Opportunities Investors will be sitting on cash and watching the housingand stock markets for opportunities to snap up assets at bargain prices.House prices are already being discounted by sellers. Property prices are overpriced when compared to incomes.See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sGold and silver outperformed the markets and investors and central bankspiled 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). You can also buy funds which hold precious metals, as well as mining companies, directly on stock markets or through your ISA, SIPP and SSASpensions (IRAs). 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-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHTime for reflectionHas 2025 been a good year for you?Did you reach your goals and targets?What goals have you set for 2026?I wish you a Happy and Prosperous New Year and hope you achieve yourdreams.

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.Watch fullvideo here - https://youtu.be/O38dvXPp22kThere were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVsAlthough successive governments seem to be doing their best to encouragethe 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-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sWhat This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #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 rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.Watch fullvideo here - https://youtu.be/O38dvXPp22kThere were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVsAlthough successive governments seem to be doing their best to encouragethe 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-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sWhat This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow 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 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 standardsand rent increases. Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA. Watch video - ⁠https://youtu.be/L6j4EXV1_Cs⁠The far reaching Act will introduce: ·       A standard tenancy for private renting.  ·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  ·       New changes to advertising and letting practices.  ·       New limits on when and how much rent can be taken in advance.  ·       The abolition of ‘Section 21’ notices for possession or eviction.  ·       New grounds Section 8 for possession.  ·       New changes to rent increases.  ·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  ·       Further offences and civil penalties forlandlords who don't comply with these rules. Other new rulescoming in because of the Act include: ·       Introduction of 15 new offences that can seelandlords issued with civil penalties. ·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. ·       Six new offences that can result in landlordsfacing a rent repayment order. ·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. When will the Actbe fully implemented?Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  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 groundsFrom 1st May 2026PRS Database and OmbudsmanLate 2026 estimatedDecent Homes StandardDate to be confirmedHere are 5 things landlords can do to survive the Renters Rights Act: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 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - ⁠https://youtu.be/aMuGs_ek17s⁠See:⁠Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025⁠These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - ⁠https://youtu.be/jITL4nOmBEo⁠If you are stuck in the Section 24 trap and needprofessional advice, email ⁠Charles@CharlesKelly.net⁠#RentersRightsBill

The new Renters Rights Act 2025, which received the Royal Assent on27 October 2025, gives tenants stronger protections, abolishes Section 21‘no-fault’ evictions, and introduces stricter rules on property standardsand rent increases. Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA. Watch video - https://youtu.be/L6j4EXV1_CsThe far reaching Act will introduce: ·       A standard tenancy for private renting.  ·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  ·       New changes to advertising and letting practices.  ·       New limits on when and how much rent can be taken in advance.  ·       The abolition of ‘Section 21’ notices for possession or eviction.  ·       New grounds Section 8 for possession.  ·       New changes to rent increases.  ·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  ·       Further offences and civil penalties forlandlords who don't comply with these rules. Other new rulescoming in because of the Act include: ·       Introduction of 15 new offences that can seelandlords issued with civil penalties. ·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. ·       Six new offences that can result in landlordsfacing a rent repayment order. ·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. When will the Actbe fully implemented?Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  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 groundsFrom 1st May 2026PRS Database and OmbudsmanLate 2026 estimatedDecent Homes StandardDate to be confirmedHere are 5 things landlords can do to survive the Renters Rights Act: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 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sSee:Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - https://youtu.be/jITL4nOmBEoIf you are stuck in the Section 24 trap and needprofessional advice, email Charles@CharlesKelly.net#RentersRightsBill

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, NationalInsurance (NI), or VAT, Reeves has already hinted that taxes on thewealthy will “be part of the story.” (TheGuardian) The Institute for Fiscal Studies warns against a “dash forrevenue,” urging her to use smart, targeted reforms. (TheGuardian).Below are 5 likely tax rises she might deploy:  What This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - https://youtu.be/jITL4nOmBEoThe Chancellor could also tinker with pension allowances and the taxfree cash element of pension pots, which would be disastrous for savers approachingretirement age.Watch our upcoming episode on the Charles Kelly Money Tips Podcastwhere I break down each tax move, what it means for you, and how to legally protectyour 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement 

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, NationalInsurance (NI), or VAT, Reeves has already hinted that taxes on thewealthy will “be part of the story.” (TheGuardian) The Institute for Fiscal Studies warns against a “dash forrevenue,” urging her to use smart, targeted reforms. (TheGuardian).Below are 5 likely tax rises she might deploy:  What This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - https://youtu.be/jITL4nOmBEoThe Chancellor could also tinker with pension allowances and the taxfree cash element of pension pots, which would be disastrous for savers approachingretirement age.Watch our upcoming episode on the Charles Kelly Money Tips Podcastwhere I break down each tax move, what it means for you, and how to legally protectyour 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow 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 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 typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.Always consult your financial adviser before making investmentdecisions.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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals#SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection#MoneyTipsPodcast #CharlesKelly  

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 typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.Always consult your financial adviser before making investmentdecisions.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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn: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 byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.Watch video https://youtu.be/OHdOUeZ9zRgTheConservatives argue that scrapping it will:Make housing more affordable for familiesEncourage mobility in the marketStimulate property transactions and economic growthButcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.In today’s MoneyTips 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 electionheadlineWatch now to find out how thispromise could impact your finances.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #StampDuty #UKProperty #Conservatives #UKHousingMarket#MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly#PropertyTax #UKFinance

The Conservative Party leader Kemi Badenoch surprised her part conference byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.Watch video - https://youtu.be/HkatdJ4CryoTheConservatives argue that scrapping it will:Make housing more affordable for familiesEncourage mobility in the marketStimulate property transactions and economic growthButcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.In today’s MoneyTips 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 electionheadlineWatch now to find out how thispromise could impact your finances.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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 controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow 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 advisorwho has spent nearly two decades working with businesses at pivotal moments ofgrowth. A former CFO across biotech, SaaS, and renewable energy, he now bringsthe perspective of an M&A investor, currently overseeing $480M inacquisitions. Having sat on both sides of the table — scaling ventures as anoperator and evaluating deals as a buyer — Matteo helps founders understandwhat makes a business truly attractive to investors.Watch video - https://youtu.be/YLg51IeHLvIIn 2017, he created the Global Growth Blueprint to address agap in entrepreneurial education: wealth creation. While much financialtraining focuses on managing capital, Matteo emphasizes building it — throughmonetizing intellectual property, succession and leadership planning, andglobal expansion. This approach has since evolved into The High ValuationTriangle, a model he applies to the five stages of business: startup, scale-up,stagnation, crisis, and exit.He shares these insights through The Exponential Blueprintnewsletter, followed by over 22,000 founders, investors, and executives. InSeptember 2025, he will launch its premium counterpart, The High ValuationCode, alongside his forthcoming book, Fail. Pivot. Scale.: Your HighValuation Code Revealed. Drawing on 21 case studies from household names likeAmazon, Netflix, Tesla, and Airbnb, the book shows how the most iconiccompanies turned failure into fuel, pivots into turning points, and scalinginto unstoppable momentum. With lessons on recognizing the right kind offailure, pivoting without losing investors, and pulling the levers thataccelerate valuation, Matteo equips entrepreneurs with a practical playbook forbreaking through growth barriers.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking CGT ON PRIVATE HOMES Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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=JHSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwIf you are a buy-to-let property landlord and help withSection 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

Matteo Turi is a finance leader, investor, and board advisorwho has spent nearly two decades working with businesses at pivotal moments ofgrowth. A former CFO across biotech, SaaS, and renewable energy, he now bringsthe perspective of an M&A investor, currently overseeing $480M inacquisitions. Having sat on both sides of the table — scaling ventures as anoperator and evaluating deals as a buyer — Matteo helps founders understandwhat makes a business truly attractive to investors.Watch video - https://youtu.be/YLg51IeHLvIIn 2017, he created the Global Growth Blueprint to address agap in entrepreneurial education: wealth creation. While much financialtraining focuses on managing capital, Matteo emphasizes building it — throughmonetizing intellectual property, succession and leadership planning, andglobal expansion. This approach has since evolved into The High ValuationTriangle, a model he applies to the five stages of business: startup, scale-up,stagnation, crisis, and exit.He shares these insights through The Exponential Blueprintnewsletter, followed by over 22,000 founders, investors, and executives. InSeptember 2025, he will launch its premium counterpart, The High ValuationCode, alongside his forthcoming book, Fail. Pivot. Scale.: Your HighValuation Code Revealed. Drawing on 21 case studies from household names likeAmazon, Netflix, Tesla, and Airbnb, the book shows how the most iconiccompanies turned failure into fuel, pivots into turning points, and scalinginto unstoppable momentum. With lessons on recognizing the right kind offailure, pivoting without losing investors, and pulling the levers thataccelerate valuation, Matteo equips entrepreneurs with a practical playbook forbreaking through growth barriers.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking CGT ON PRIVATE HOMES Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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=JHSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwIf you are a buy-to-let property landlord and help withSection 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 PrimeMinister forced to resign after being found guilty of misconduct under the ministerialcode by the Ethics Watchdog.Why are mortgage rates rising despite falling base rates.China, India and Russia’s show of strength defying Trumpssanctions and the dominance of the Dollar.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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=JHSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwIf you are a buy-to-let property landlord and help withSection 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 PrimeMinister forced to resign after being found guilty of misconduct under the ministerialcode by the Ethics Watchdog.Why are mortgage rates rising despite falling base rates.China, India and Russia’s show of strength defying Trumpssanctions and the dominance of the Dollar.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty 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=JHSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwIf you are a buy-to-let property landlord and help withSection 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