Do what you love and the money will follow

Tips LIFESTYLE | 03. June 2019

Welcome to Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy, and property business.

ABOUT ME

Welcome to Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, insurance companies and as a qualified Independent Financial Adviser running his practice.

Do what you love and the money will follow

Tips LIFESTYLE | 03. June 2019

asdasdasd Welcome to Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy, and property business.

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ABOUT ME

Welcome to Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent Financial Adviser running his practice.

Latest podcasts.

UK Inflation rises again to the highest level for 30 years

Listen to UK Inflation rises again to the highest level for 30 yearsUK inflation has hit 5.4% mainly due to supply chain issues and soaring food and fuel prices, prompting fears that the Bank of England could raise interest rates again next month. Whilst central banks are saying inflation is transitory, others feel that inflation could run rampant in some economies – driven predominantly by supply chain issues rather than massive surges in market demand. Some could see their currencies being devalued by 10% or more while others accelerate into a deflationary spiral. Fiscal and economic uncertainty and a slowdown in business investment and housing markets could see countries like the US and UK set central bank base rates at 0.1% or lower in the first half of the year, with a maximum of 0.5% by year end. Prices in the shops for basic every day things have risen much faster than 5.4%. In some cases prices have risen by 50%, for basic items like bread, or package sizes have reduced by 10 to 20%. The UK is expected to grow faster than any other G7 economy as it comes out of the pandemic with more freedom than its European counterparts. Goldman Sachs reports that the UK economy will be larger than France and Germany by 2040, largely due to its younger demographics. Stock markets have been jittery this month, while property continues to boom in the UK and Ireland where demand outstrips supply of family homes. Agents in some parts of the country cannot get enough houses to cope with demand, but inventory is low and sellers are sticking to their sometimes unrealistic prices. Flats have not enjoyed the same growth. Can you buy property with ‘No Money Down’? Bitcoin languishes around $42,000, well off its high last year. Silver has been rising. How to save money on mobile phone contracts… NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON! I cover financial education and money mindset in my books, like Borrow and Grow Rich (available on Kindle now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon. In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich. Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss DOWNLOAD CHAPTER ONE AND TWO FREE https://charleskelly.clickfunnels.com/optin1639410805951 DISCOVER HOW THOUSANDS OF ORDINARY BRITS ARE QUIETLY GETTING RICH USING NONE OF THEIR OWN MONEY! The online ‘No Money Down Discovery’ training will reveal the many ways you can create a job replacing income from property using none of your own money. Skilled trainers will reveal proven, successful methods for you to cash in on right now, even if you have no previous experience and little to no finance. The knowledge you’ll be taught at this event will include creative and sustainable money-making systems, alongside rock-solid negotiation techniques to help you carve out the deals that will work best for you. When you join us you will discover: The No Money Down Matrix. A system of proven investment strategies guaranteed to secure property with none of your own cash. A Step-by-step guide on how to structure a property deal that’s right for you and the vendor. The 4 core investing principles you need to secure the perfect deal that creates a long-term cashflowing asset. How to cash in on the next big property strategy and control an empire of properties “Rent-To-Own.” For deals that do require cash, learn how you can use someone else’s money and quickly recycle it to give them all their money back, and you keep the property for free! How to recycle the money you have used to invest and give it back to the partners who gave it to you, leaving you with another cash-producing property to add to your portfolio What the Super-Rich do to make a fortune by controlling property without owning it, and how YOU can do the same. Donald Trump uses this very strategy! Learn how to do successful Joint Ventures - and become a Money Magnet, attracting more investment partners and more joint venture finance than you can handle Learn creative thinking, creative structures and master negotiation skills to make all deals the ultimate win-win The experienced trainers have all 'been there, done that’ and you can relax in the certainty that you are getting the expert help you deserve! Register your place here.   To register: https://bit.ly/3FLiyMm   See omnystudio.com/listener for privacy information.

Interest Rates Will Rise In 2022 – Time To Fix Your Mortgage Rate?

Listen to Interest Rates Will Rise In 2022 – Time To Fix Your Mortgage Rate?Interest rates in the UK have already risen last year to 0.25% to curb soaring inflation, but the Bank of England may have to raise rates further this year as the cost of living continues to go up for millions of consumers.  Are you prepared for interest rate hikes? Do you have a fixed rate mortgage?  In the UK, HSBC are offering deals as low as 1.29% fixed for 2 years and Halifax will fix your mortgage at 1.43% for 5 years. We may not see deals like this for a long time if base rates rise this year. When will stock markets fall? Many pundits are predicting a crash between now and April, but it is extremely difficult to time the market, especially when governments are doing all they can to prop them up or keep them on ‘life support’! I would not be putting all my money or pension fund cash into the markets right now, but I could be wrong, and stocks could continue to go ever higher.  However, what I might gain on an upward swing will be a lot less than I’d lose on a downturn or full-blown crash. You have to make up your own mind or seek financial advice.  Will property prices go down? People will always need somewhere to live and wealth, life expectancy and population has increased significantly over the last 50 years. China has taken a billion people out of poverty and become the second largest economy in the world. However, affordability and interest rates could slow the market down this year. Property prices generally go up and sometimes fall for a few years, but in the long term they move in an upward trajectory. If you have a low fixed rate and income, personal or rental, then you should be safe in the long term. Crypto currencies have taken a hit in the last few weeks, but Bitcoin and Ethereum recovered this week despite Pakistan becoming the latest country to ban all Crypto. SPECIAL APPEAL We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of some of our favourite food supplies, millions of people around the world are starving. You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/ Financial education in investing is the key to building and keeping wealth. Never stop learning!  Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.  Can you get rich by saving alone? NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON! I cover financial education and money mindset in my books, like Borrow and Grow Rich (available on Kindle now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon. In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich. Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss DOWNLOAD CHAPTER ONE AND TWO FREE https://charleskelly.clickfunnels.com/optin1639410805951 We know exactly what the millionaire and billionaire habits and traits are, as success leaves tracks. All you need to do is follow their tracks to become wealthy and financially free! If you would like to learn more about investing and managing your money, become a professional property investor, or would like tobe financially free without working any harder, watch this free on demand training. I will give a special free gift which can help you to immediately transform your finances when you attend the online training. Click on this link to watch the free training now https://bit.ly/3wLWqx2  Book now as spaces fill up fast... #cryptocurrency #crypto #buytoletproperty #property #stockmarketcrash #inflation #financialeducation #freetraining #propetyinvestor #stockmarketinvestment #retirement #stockmarketwarning #Interestrates See omnystudio.com/listener for privacy information.

Interview With Stocks, Commodities, Futures Trader Of 40 Years KD Angle

Listen to Interview With Stocks, Commodities, Futures Trader Of 40 Years KD AngleHappy New Year! How are your resolutions and plans going? Do you want to lose weight, get fit, lead a healthier life or do something to improve your finances? Maybe you’re on a ‘Dry January’ programme? My gym was full this month of new members hoping to get fit and lose weight, but experience shows that many of them will sadly drop out within a few months. Keep on target with your goals by making them realistic, achievable and measurable. Make 2022 your best year ever! See: How will you prosper in 2022? - https://moneytipsdaily.com/how-to-prosper-and-make-your-dreams-become-reality-in-2022 I have just published my new book – Borrow and Grow Rich :-  https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss   In this episode I want to introduce a very special guest. KD Angle is a successful market trader with experience in both futures and stocks who started  trading in 1979 during the last inflationary period.  Some of his accomplishments include:  Starting his own market letter which gave specific trading advice in the early 80’s and was featured in Forbes Magazine.  In the 1990s, KD began managing money using his own ‘rules-based’ strategies and later went on to earn more than 60 performance awards from a respected performance reporting company known as BarclayHedge. He retired that career after managing assets of up to 200 million dollars but continues to trade his own capital.  Angle has been featured as an expert in his field in two books, the ‘Four Cardinal Principles of Trading’ by Bruce Babcock and ‘The Mental Edge in Trading’ written by Jason Williams MD.  Angle’s father turned $2 million into $100 million in the great gold bull market of 1979. KD recently authored what he considers to be his legacy book entitled ‘Guillotine Investing – Keeping Your Head While Others are Losing Theirs’ where he shares many of his valuable insights that have helped contribute to his own success with the markets. His book is only available at the book’s website which is called: www.Guillotineinvesting.com SPECIAL APPEAL We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of some of our favourite food supplies, millions of people around the world are starving. You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/ Financial education in investing is the key to building and keeping wealth. Never stop learning!  Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.  Can you get rich by saving alone? NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON! I cover financial education and money mindset in my books, like Borrow and Grow Rich (available on Kindle now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon. In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich. Borrow and Grow Rich is available for Kindle order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss DOWNLOAD CHAPTER ONE AND TWO FREE https://charleskelly.clickfunnels.com/optin1639410805951 See omnystudio.com/listener for privacy information.

Property And Share Prices At Record Levels Despite Poor Economic Outlook As 2021 Draws To A Close

Listen to Property And Share Prices At Record Levels Despite Poor Economic Outlook As 2021 Draws To A CloseUK house prices have reached an all-time average record of £254,822 in December, according to lender Nationwide. While most stock markets around the world have continued to rise to new highs despite the gloomy economic outlook and a growing new variant  The average price of a typical house in the UK is now £23,902 more than it was in January, making it the strongest year for price rises since 2006. Nationwide and the Halifax have predicted the market would slow next year because the stamp duty holiday, which ended in September, forced buyers to bring purchases forward. Nationwide also said the slowdown could be made worse by the spread of Omicron. Interest rate factor Nationwide's chief economist Robert Gardner said that even if the economy remains strong in spite the virus, higher interest rates were likely have a "cooling influence" on the housing market. "House price growth has outpaced income growth by a significant margin over the past 18 months and, as a result, housing affordability is already less favourable than before the pandemic struck," Mr Gardner added. The lender could be anticipating further increases to interest rates in the new year. Earlier this month, the Bank of England hiked base interest rates to 0.25% from their historic lows of 0.1% in a bid to curb the threat of rising inflation. The US is expected to raise rates three times next year to tackle the highest price rises in nearly 40 years. But the central banks cannot raise rates too high as this will mean higher payments on the trillions in debt they owe to lenders. Increases in the cost of borrowing will be bad news for people trying to get on the property ladder and could herald the end of the decade long property and stock market boom. Wales saw the highest growth with prices increasing 15.8% compared to the same time last year. Meanwhile, price increases in London slowed compared to last year, climbing just 4.2%. In an interview with BBC's Today programme, Andrew Harvey, a senior economist at Nationwide, said the pandemic had caused a change in the behaviour of buyers who had been looking to leave large cities in favour or suburban and rural areas. "I think London probably has suffered as a result of that," he said. Average prices change across the UK Wales: Up 15.8% to £196,759 Northern Ireland: Up 12.1% to £167,479 South West: Up 11.5% to £294,845 Outer South East: Up 11.3% to £329,869 North West: Up 11.2% to £196,806 Yorkshire and Humberside: Up 10.8% to £190,855 East Anglia: Up 10.4% to £268,146 East Midlands: Up 10.4% to £221,813 Scotland: Up 10.1% to £172,605 West Midlands: Up 9.4% to £227,031 Outer metropolitan area of London: Up 8.8% to £410,992 North: Up 7.7% to £148,105 London: Up 4.2% to £507,230 Source: BBC. Mr Gardner said it was the first time since 1973, when Nationwide began publishing house price data, that the largest price rises had been seen in Wales. "Price growth remained elevated in Northern Ireland at 12.1%, the strongest end to the year for the region since 2007," he said. "Annual house price growth in Scotland was 10.1%, in line with the wider UK." The year has been dominated by Covid lockdowns and restrictions which saw international flights to the UK slump by 71%, retail giants such as Debenhams go bust and thousands of small businesses and hospitality firms suffer losses. Other businesses prospered during the last two years. Not just the likes of Amazon, but any business that adapted to the new world of online transactions and Zoom! I want to thank all my viewers, listeners and readers for all your support this year, and wish you all a prosperous New Year. See also: How will you prosper in 2022? – Make 2022 your best year ever! SPECIAL APPEAL We have witnessed major climate disasters, such as the recent typhoon which has destroyed 90% of homes in the southern islands of the Philippines. While we in the west worry and fret over a shortage of some of our favourite food supplies, millions of people around the world are starving. You can donate to my Rotary Fundraiser – to provide food, clean water and shelter to the people who have lost their homes and will not be enjoying a merry Christmas. https://www.facebook.com/groups/174851346196950/permalink/1621462918202445/ Money also migrated so-called safe property havens in the UK, Canada, US and Australia. Wealthy people have sought second and third passports and residency in countries offering citizenship for cash or property investment.  Financial education in investing is the key to building and keeping wealth. Never stop learning!  Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.  Can you get rich by saving alone? NEW BOOK LAUNCH – BORROW AND GROW RICH – SPECIAL OFFER ENDS SOON! I cover financial education and money mindset in my books, like Borrow and Grow Rich (available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss), which you can order on Amazon. In this book, you will learn how the power of leverage and inflation can make you rich without working any harder than the average employee. You will also learn the difference between good debt and bad debt and why saving alone will not make you rich. Pre-order BORROW AND GROW RICH before 31 December and I will send you a FREE PDF copy of Yes, Money Can Buy You Happiness. Borrow and Grow Rich is available for Kindle pre-order now - https://www.amazon.co.uk/s?k=borrow+and+grow+rich&ref=nb_sb_noss DOWNLOAD CHAPTER ONE AND TWO FREE https://charleskelly.clickfunnels.com/optin1639410805951 Wishing you a happy prosperous New Year! See omnystudio.com/listener for privacy information.

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Welcome to Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy and property business. Money Tips will help you save, make and accumulate more money whether you are a business owner, entrepreneur, employee or still searching for your vocation. For more tips and information visit Mondeytipsdaily.com. The Information given in this podcast is for your entertainment and should not be construed as financial advice. As always, take independent financial advice before making any investment decisions.

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