For more tips and money-making ideas see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. 

Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax.

Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden.

It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch’. 

The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs.

With the right advice you can legally create a tax-free pot of money!

If you are a landlord or property investor with three or more properties in your own name and would like to save tax email or message me. 

Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ 

Personal Debt Soaring Citizens Advice warns

Half Citizens Advice clients are falling behind with debt payments and budget.

With lending interest rates rising, unlike savings rates, and soaring inflation more and more people are using expensive credit card debt to pay for food.

Citizens Advice guide to dealing with debts

1. Work out how much you owe, who to, and how much you need to pay each month
2. Identify your most urgent debts. Rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you do not pay them, and so they should be paid first
3. Calculate how much you can cover in debt repayments. Create a budget by adding up your essential living costs like food and housing, and taking these away from any income such as your wage or benefits you receive
4. See how you could boost your income, primarily by checking what benefits you are entitled to, and whether you are eligible for a council tax reduction or a lower tariff on your broadband or TV package
5. If you think you cannot pay your debts or are finding dealing with them overwhelming, seek support straightaway. You are not alone and there is help available. A trained debt adviser can talk you through the options available

Source: Citizens Advice

See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU

The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women.

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Pensions fall by up to 40%! Time to learn how to manage your own money. Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr

UK house prices saw their worst monthly drop for over two years in November as rising interest rates slowed down the property market, the Nationwide has said.

• Prices fell by 1.4% from October 2022 - the largest month-on-month fall since June 2020.
• Annual house price growth saw a "sharp slowdown", the Nationwide building society figures revealed, plummeting to 4.4% from 7.2% in October.
• The lender added the housing market will "remain subdued" in the coming months.

The UK government's own official forecaster predicted that house prices will fall by 9% over the next two years as affordability issues weigh on demand, and the Bank of England said we are entering the worst recession on record.

Watch video on YouTube channel - https://youtu.be/oCJIAiYcbyU

The average property price fell to £263,788 last month from £268,282 in October, the Nationwide said.

WARNING - Spray foam insulation can render your property WORTHLESS – according to RICS surveyors.

Government giving out billions in grants to homeowners to insulate and cut energy costs – including solar panels.

Pension pots lose up to 40% following bond market crisis.

The financial services industry has let us down with poor advice and products, low fund performance and high charges and fees.

Don’t rely on the financial services industry, financial advisers or the government to fund your retirement.

• 3 million people have lost track of their pension pots.
• £27 billion in pensions lies unclaimed in insurance company coffers…visit the ‘gov.uk website to track your old pensions.

Educate yourself to manage your own money, build wealth and row your own boat.

Start with the basics. Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #marketing #onlinemarketing #pensions #propertyprices #propertymarket #houseprices

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Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr

Online marketing expert, Chadesh Parekh of NERO Digital Labs explains how to grow your online business reviews and customer feedback.

• Get more genuine customer reviews
• Use customer feedback to grow your online reputation
• Make more money online organically through reputational marketing

Chandesh Parekh is website accessibility and inclusivity consultant, web developer and online reputation marketer.

Chandesh has been professionally immersed in the world wide web for over 20 years and helps businesses with their online marketing strategies, particularly focussing on customer feedback, ratings and reviews.

You can connect with Chandesh on LinkedIn on at his website.

NERO Digital Labs Link: https://nerodigital.co.uk/services/reputation-marketing/

Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

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UK net migration reached a record 504,000 in the year to June, The Office for National Statistics (ONS) reports. 

Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr 

At the same time, the ONS also reports that rents are rising by the fastest rate since records began, despite a slowdown in property sales. Rents in the private sector have increased by 3.8pc in the 12 months to October 2022 - the biggest annual percentage change since records began in January 2016, according to the ONS rent inflation index. Business demand more migrants However, business leaders have called for higher immigration to boost growth and fill millions of job vacancies in the UK. 

The number of recorded Asylum applications which includes illegal migrants trafficked in small boats across the English Channel, hit 73,000 in the year to September, around 15% of all those who arrive in the country in any given period. Migration figures reveal that a large numbers coming here from outside the European Union - 170,000 from Ukraine and 76,000 from Hong Kong under a scheme to resettle people who count as British citizens. International students Included in the net migration figures, 277,000 overseas students came to the UK study, double the number of student visas from the previous year – possibly influenced by the lifting of travel restrictions, according to the ONS. 

The increase in immigration coincides with soaring rents at a time when the property sales market has slowed and thousands of landlords quit the buy-to-let property market - https://youtu.be/NME3nEu8dAQNationwide providers like Serco have earned millions housing asylum seekers and will work with private landlords. 

If you live or work in the North London, Watford or Herts area you might be interested in a face-to-face networking meeting at the Beech House, 49 High Street, Watford, England, WD17 1LJ, Thursday 1 December 10am-12. For more information see: https://www.business-buzz.org/hertfordshire/business-networking-watford

With the UK entering the worst recession since records began, there’s never been a more important time to get your own finances in order and learn how to manage your money and increase your wealth. 

Check out my new free training to help you get control of your finances in 28 days! Free to join: https://bit.ly/3isugCr

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