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

Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – interview with Josh Saul, gold expert discussing precious metals in your portfolio. Click here for a free gold, investment report.   In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. 1. Historical Stability: Gold and silver have stood the test of time as reliable stores of value. Throughout history, these precious metals have retained their purchasing power, acting as a hedge against inflation and economic uncertainties. Unlike cryptocurrencies, which can be highly volatile, and stocks, which are subject to market fluctuations, gold and silver have maintain

Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest. His remarks in a BBC interview have caused outrage, especially among the ‘generation rent’ who are struggling to save for a deposit while rental prices reach record highs and the cost of living crises continues. This week, the average two-year fixed rate is 5.83%, while a five-year deal was 5.43%, according to Moneyfacts. He Halifax Mortgages say mortgage rates are easing and buyers' confidence could increase in the coming months. They added that house prices rose for the third month in a row to average £287,105 in December, but it forecast a fall this year with buyers perhaps becoming more cautious due to economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1% month-on-month rise in December. Halifax is the UK's biggest mortgage lender, but its own lending figures only take into account buyers with mortgages - about two-thirds of all sales - and do not i

Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest. His remarks in a BBC interview have caused outrage, especially among the ‘generation rent’ who are struggling to save for a deposit while rental prices reach record highs and the cost of living crises continues. This week, the average two-year fixed rate is 5.83%, while a five-year deal was 5.43%, according to Moneyfacts. He Halifax Mortgages say mortgage rates are easing and buyers' confidence could increase in the coming months. They added that house prices rose for the third month in a row to average £287,105 in December, but it forecast a fall this year with buyers perhaps becoming more cautious due to economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1% month-on-month rise in December. Halifax is the UK's biggest mortgage lender, but its own lending figures only take into account buyers with mortgages - about two-thirds of all sales - and do not i

Hey, everyone! As we step into a brand new year, it's the perfect time to set the stage for an amazing year ahead. I've compiled 7 things you can do to make 2024 your best ever.   1. Set Clear Goals: Start by defining your objectives for the year. Whether it's personal growth, career milestones, health, or financial aspirations, setting clear, achievable goals gives you direction and motivation.   2. Create a Vision Board: Visualization is key to manifesting your dreams. Craft a vision board with images and affirmations that represent your goals. This will keep you focused and inspired throughout the year.   3. Practice Gratitude Daily: Gratitude shifts your mindset towards positivity. Make it a habit to jot down or reflect on things you're grateful for each day. It's a simple practice that can have a profound impact on your overall happiness.   4. Embrace Learning and Growth: Commit to continuous learning. Whether it's acquiring new skills, reading books, taking courses, or seeking me

Hey, everyone! As we step into a brand new year, it's the perfect time to set the stage for an amazing year ahead. I've compiled 7 things you can do to make 2024 your best ever.   1. Set Clear Goals: Start by defining your objectives for the year. Whether it's personal growth, career milestones, health, or financial aspirations, setting clear, achievable goals gives you direction and motivation.   2. Create a Vision Board: Visualization is key to manifesting your dreams. Craft a vision board with images and affirmations that represent your goals. This will keep you focused and inspired throughout the year.   3. Practice Gratitude Daily: Gratitude shifts your mindset towards positivity. Make it a habit to jot down or reflect on things you're grateful for each day. It's a simple practice that can have a profound impact on your overall happiness.   4. Embrace Learning and Growth: Commit to continuous learning. Whether it's acquiring new skills, reading books, taking courses, or seeking me

What’s in Store in 2024? Stock Markets, Property and Gold.   Reflection on 2023   Inflation got into double figures, and then come down again last week to 3.9%,   Are we heading into recession in 2024?   Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q   Mortgage rates reached 6% and  7% forcing millions into arrears which are 40% up on the previous year.    Mortgage rates have since come down to just over 4% for a fixed rate as lender’s business dries up.    Property prices have fallen in some areas by up to 20%.   Domestic rents have reached record levels, while the commercial sector is struggling.   Gold broke through the $2000 ceiling and reached over $2100 at one point before falling back, as people sought a safe haven for their money.   What’s in store for 24?   When will the Bank of England finally start cutting interest rates?   Will the UK officially enter a technical recession after negative growth in the third quarter of 2023?   For how long will house price

What’s in Store in 2024? Stock Markets, Property and Gold.   Reflection on 2023   Inflation got into double figures, and then come down again last week to 3.9%,   Are we heading into recession in 2024?   Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q   Mortgage rates reached 6% and  7% forcing millions into arrears which are 40% up on the previous year.    Mortgage rates have since come down to just over 4% for a fixed rate as lender’s business dries up.    Property prices have fallen in some areas by up to 20%.   Domestic rents have reached record levels, while the commercial sector is struggling.   Gold broke through the $2000 ceiling and reached over $2100 at one point before falling back, as people sought a safe haven for their money.   What’s in store for 24?   When will the Bank of England finally start cutting interest rates?   Will the UK officially enter a technical recession after negative growth in the third quarter of 2023?   For how long will house price

New Property Opportunities Falling Property Prices And Higher Rents Make Buy-to-Let More Attractive In 2024 In recent years, the landscape for buy-to-let investors and property owners has posed significant challenges, marked by soaring interest rates and escalating energy expenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stamp duty, and increased regulatory measures have collectively burdened buy-to-let investors, necessitating adaptation to a shifting and demanding market environment. Property prices peaked, then fell back as interest rate rose, and this year rents have gone through the roof as demand exceeds supply.   Rents have reached record highs in most parts of the UK, and of course landlords are getting the blame.   In their defence, landlords have had to pass on the costs that the government have imposed on them with legislation such as section 24. The policies of the treasury and central banks have caused economic chaos, higher interest, rates, higher en

New Property Opportunities Falling Property Prices And Higher Rents Make Buy-to-Let More Attractive In 2024 In recent years, the landscape for buy-to-let investors and property owners has posed significant challenges, marked by soaring interest rates and escalating energy expenses. The introduction of Section 24, elimination of wear and tear allowances, heightened stamp duty, and increased regulatory measures have collectively burdened buy-to-let investors, necessitating adaptation to a shifting and demanding market environment. Property prices peaked, then fell back as interest rate rose, and this year rents have gone through the roof as demand exceeds supply.   Rents have reached record highs in most parts of the UK, and of course landlords are getting the blame.   Landlords have had to pass on the costs that the government have imposed on them with legislation such as section 24. The policies of the treasury and central banks have caused economic chaos, higher interest, rates, higher energy costs, and a

Stock up on CANDLES, Torches and Battery Powered Radios, Dep PM Warns   Deputy Prime Minister, Oliver Dowden MP has issued a warning to British people to prepared for power cuts and cyber attacks by keeping a supply of candles, flashlights and battery powered radios.   Announcing the formation of a ‘resilience academy’ he advised Brits  to prepare for communications blackouts and retain their ‘analogy capabilities’.   In this video podcast (https://youtu.be/cuoB1rA8Yhk):   ·        Prepare for disaster, government warms ·        What are ‘reverse ATM machines and why should you care? ·        Two year fixed rates fall below 6% as mortgage rates ease ·        Mobile phone companies overcharged 28 million customer ·        Why you should not be jealous of wealthy billionaires   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Prepare for w

Stock up on CANDLES, Torches and Battery Powered Radios, Dep PM Warns   Deputy Prime Minister, Oliver Dowden MP has issued a warning to British people to prepared for power cuts and cyber attacks by keeping a supply of candles, flashlights and battery powered radios.   Announcing the formation of a ‘resilience academy’ he advised Brits  to prepare for communications blackouts and retain their ‘analogy capabilities’.   In this video podcast (https://youtu.be/cuoB1rA8Yhk):   ·        Prepare for disaster, government warms ·        What are ‘reverse ATM machines and why should you care? ·        Two year fixed rates fall below 6% as mortgage rates ease ·        Mobile phone companies overcharged 28 million customer ·        Why you should not be jealous of wealthy billionaires   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Prepare for w

STOP WORKING FOR FREE!  - Why Do Small Businesses Work For Nothing? Join me online on my free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH Get paid for what you do in advance. Always agree terms and take part or full payment up front whenever possible. Are you using an accounting or invoicing system? Watch video version - https://youtu.be/1BO-ZigTkjA Systemise – the difference between a small business and large concern. You are not a bank, so why are you offering credit? My experience Do you have unrecovered debts and if so do you need help getting paid? Are you in debt and unable to pay creditors? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive,

STOP WORKING FOR FREE!  - Why Do Small Businesses Work For Nothing? Join me online on my free live money mindset training Wednesday 8.00PM. https://bit.ly/3QPp8IH Get paid for what you do in advance. Always agree terms and take part or full payment up front whenever possible. Are you using an accounting or invoicing system? Watch video version - https://youtu.be/1BO-ZigTkjA Systemise – the difference between a small business and large concern. You are not a bank, so why are you offering credit? My experience Do you have unrecovered debts and if so do you need help getting paid? Are you in debt and unable to pay creditors? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive,

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII Fixed mortgage interest rates have dipped below 5% after new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Lim

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII Fixed mortgage interest rates have dipped below 5% after new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Lim

Join me on my free webinar, three steps to financial freedom and successful money-management, Wednesday at 8 pm. Don’t miss it, click the link below. https://bit.ly/3QPp8IH 1.      Pay Yourself First 2.      Live on a Percentage of Income 3.      Don’t Just Save, Invest! 4.      Start Investing Early 5.      Manage and Organise Your Money 6.      Budget Your Spending 7.      Know Your Numbers 8.      Avoid Bad Debt and Credit 9.      Use Good Debt and Leverage 10.   Develop The Right Money Mindset 11.   Educate Yourself About Business, Money and Finance 12.   Get Around The Right People – Avoid Toxic People Watch video on YouTube - https://youtu.be/dfFGPIiqKWA   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exact

Join me on my free webinar, three steps to financial freedom and successful money-management, Wednesday at 8 pm. Don’t miss it, click the link below. https://bit.ly/3QPp8IH 1.      Pay Yourself First 2.      Live on a Percentage of Income 3.      Don’t Just Save, Invest! 4.      Start Investing Early 5.      Manage and Organise Your Money 6.      Budget Your Spending 7.      Know Your Numbers 8.      Avoid Bad Debt and Credit 9.      Use Good Debt and Leverage 10.   Develop The Right Money Mindset 11.   Educate Yourself About Business, Money and Finance 12.   Get Around The Right People – Avoid Toxic People Watch video on YouTube - https://youtu.be/dfFGPIiqKWA   See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exact

Join me online on my free live money management training Wednesday at 8.00PM. Register now https://bit.ly/3QPp8IH Have you even thought about it?   What are your plans, goals or dreams?   What actions are you taking towards getting where you want to be?   Do you have a mentor?   Who do you need to become to reach your goal?   Will you have enough money to retire or quit the rat race?   TIME TO GET SERIOUS There are 24 hours in every day.  We all have something in common. We have the same amount of time and every day. Other things may be differ between us but will have the same 24 hours in every day. If you put in enough time and effort there’s no limit to what you can achieve. Question is, how much of that time do you waste? How much time do you spend thinking about getting started instead of taking action and starting? How much time do you waste scrolling through social media or watching television? TV Guide How much time do you flush down the toilet playing video games, drinking and partying? In the tim

Join me online on my free live money management training Wednesday at 8.00PM. Register now https://bit.ly/3QPp8IH Have you even thought about it?   What are your plans, goals or dreams?   What actions are you taking towards getting where you want to be?   Do you have a mentor?   Who do you need to become to reach your goal?   Will you have enough money to retire or quit the rat race?   TIME TO GET SERIOUS There are 24 hours in every day.  We all have something in common. We have the same amount of time and every day. Other things may be differ between us but will have the same 24 hours in every day. If you put in enough time and effort there’s no limit to what you can achieve. Question is, how much of that time do you waste? How much time do you spend thinking about getting started instead of taking action and starting? How much time do you waste scrolling through social media or watching television? TV Guide How much time do you flush down the toilet playing video games, drinking and partying? In the tim

Do You Ever Wonder Why You Never Have Enough Money? Do you say: “I just don’t know where it all goes?” If you have answered “yes” to these questions you probably struggle with managing and investing your money. I want to help you Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps Discover the keys to prosperous money management that won't compromise your quality of life. Register here - https://bit.ly/3QPp8IH In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart? Bank of England hold rates at 5%...Find out why this affects all of us – even if you don’t have a mortgage. Watch YouTube Video Version - https://youtu.be/XQlNscx2Sgc Have you been hit by George Osborne’s Sec 24 Landlord TAX GRAB? See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   How To Manage Your Spending And Develop A Millio