Tuesday, December 22, 2020

7 ways to beat the Christmas lockdown blues


7 ways to beat the Christmas lockdown blues

 

The UK and most of the rest of the world are affectively in Christmas lockdown and some of us are effectively living under virtual martial law.

 

We know that mental health issues, depression and even suicides are on the increase.

 

What can we do to overcome this? Here are seven quick tips to help you through this period:

 

Firstly, put things into perspective.

 

Christmas is a religious holiday, one of many “holy” days in the Christian calendar. Christmas can be celebrated quietly by attending a church service or joining one of the thousands of online services.

 

Perhaps it’s time to get back to basics and forget about all of the hype and overeating!

 

Secondly, get out and exercise.

 

Thank goodness we are still allowed to go out for a walk and get some fresh air and sunlight. Yes, there is sunlight behind the clouds, otherwise would be in darkness! Sunlight is very important to our physical and mental health, which is why the government even recommended giving vitamin D tablets to elderly people who have been caged in all summer.

 

Get back to nature. According to the mental health charity Mind.org, Just being around nature and green spaces, has numerous physical and mental benefits and can literally lift our spirits.

 

Mind advises that a simple walk in your local park, planting flowers, gardening or being around animals can:

 

·        improve your mood

·        reduce feelings of stress or anger

·        help you take time out and feel more relaxed

·        improve your physical health

·        improve your confidence and self-esteem

·        help you be more active

·        help you make new connections

·        provide peer support.

 

 

You can also ask your local council about taking on an allotment for a very small rental in order to grow your own fruit and vegetables. If you can’t get to the gym, a simple 30 minute walk every day will do wonders for your health.

 

We can also do many other exercises or physical activities at home, which includes housework, decorating or clearing out some junks and donating unwanted stuff to charity.

 

Thirdly, use this time to reflect and revisit your goals.

 

I’ve been listening to a podcast by Mark Victor Hansen, the co-author of the chicken soup for the soul series which has sold 500 million copies.

 

Mark has as many as 200 goals that he is working on at any one time. They are also big audacious goals such as providing education and scholarship for millions of children. At 72 he is still going strong and writing more books and setting new goals. He reminds us that if you don’t have a goal, you are not going anywhere in life.

 

Fourthly, read and listen to inspirational books and audios.

 

As Mark Victor Hansen said, the ability to read sets us free and opens our minds. For thousands of years, most people were not taught to read and were kept in servitude. Reading and writing were preserved for leaders and scribes. I know there are some great shows on TV and Netflix, but don’t spend all your time taking in “passive” entertainment. You also need to actively use your mind.

 

Fifth, keep learning and exercising your brain!

 

Your brain is like a muscle and needs exercise so do something every day to learn or stretch your mind. The author and TV personality, Giles Brandreth, tries to learn a new poem every day. He said that people often say that as we get older our memories fade, but it’s not a memory that’s fading but our power of recall. Research is now showing that you can fend off the effects of Alzheimer’s by using your brain more actively. It seems more people are getting dementia and Alzheimer’s in this TV age where we sit in front of a screen and expect entertainment to be fed to us.

 

Sixth, look UP and look ahead!

 

Did you knowing up, instead of down, can literally change our mood? You’ve heard the expression, “things are looking up” or you look a bit “down” my friend.

 

Looking up at the sky makes you realise that we live in a vast universe. Look up at the stars at night and the beauty of the ever-changing clouds during the day. Look up at the sun rising in the morning or setting at night.

 

Seventh, count your blessings.

 

Use this downtime to look up and reflect on the many blessings you have in your life. If you feel down and depressed remember that there are always people worse off than us. There are millions of people who were going to sleep hungry or have no shelter. The fact that you can listen to this podcast or watch it on Facebook and YouTube means you are better off than millions of people.

 

The best way to stop feeling depressed is to do something for somebody else. Volunteer or join organisations like Rotary, your local Foodbank or the thousands of charities. You could even just call up a few people on the phone to help them with loneliness.

 

In my experience, people who volunteer and help others are happier and seldom depressed even when they face their own challenges in life.

 

Have a safe, happy Christmas and a successful 2021!

 

Shops closed? Looking for a last-minute stocking filler?

 

There are more examples and practical steps being happy and getting rich in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Order now on Amazon http://bit.ly/2MoneyBook or contact me direct for a PDF version.

 

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


7 Steps to Transform Your Finances in 2021


7 Steps to Transform Your Finances in 2021

Whatever New Year’s resolutions you make, set realistic, achievable goals and write them down!

Here are my 7 steps to transform your 2021:

1.      Review your finances and start saving

2.      Review your consumer debts and credit cards

3.      Review you spending habits – Use the 3 R’s

4.      Review your utility suppliers – energy and mobile phone

5.      Review ISA and Pensions and use tax allowance

6.      Review your Will and inheritance tax liability

7.      Review Tax – have you submitted your tax return yet?

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        Coronavirus lockdown financial lesson

·        What changes should you make in 2021?

·        Tourist tax plan will wipe out jobs

·        Wealth-tax planned on middle class

·        Will stamp duty holiday be extended?

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


Monday, December 14, 2020

The major financial lesson coronavirus lockdown has taught us


The major financial lesson coronavirus lockdown has taught us

What changes should you make in 2021?

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        London goes in Tier 3

·        Tourist tax plan will wipe out jobs

·        Wealth-tax planned on middle class

·        Will stamp duty holiday be extended?

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


Sunday, December 13, 2020

Which drug companies will benefit from Covid vaccine?


Which drug companies will benefit from Covid vaccine?

As the vaccine rollout starts, will the drug companies make huge profits and should you follow Warren Buffett by investing in big pharma shares?

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        Tourist tax plan will wipe out jobs

·        Wealth-tax planned on middle class

·        Will stamp duty holiday be extended?

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


Rishi Sunak urged to ditch tourist tax as Harrods looks very quiet two w...


UK Chancellor warned that ‘tourist tax’ risks thousands of hospitality jobs

Luxury goods and hospitality urge Rishi Sunak to drop planned tourist tax

Harrods look dead just two weeks before Christmas

Brexit negotiations in deadlock as deadline looms

GDP slows prompting more recession fears

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        Wealth-tax planned on middle class

·        Will stamp duty holiday be extended?

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


Wednesday, December 9, 2020

UK government planning emergency wealth tax grab to pay for coronavirus ...


In case you’re wondering how we are going to pay back all of this money that the government have printed and borrowed this year, take a look in the mirror.

A one-off tax grab on wealth above £500,000 could recover much of the £280 billion the government has spent fighting coronavirus this year, according to a group of experts.

A commission was set up led by assistant Professor Arun Advani at Warwick University last April to look into a wealth tax in Britain.

Measures being considered include a 5% levy on:

·        housing

·        pensions

·        business

·        equity and

·        savings wealth.

At £500,000, around 8 million Britons, or one and six adults, would be hit by the wealth tax.

Setting the threshold at £1 million would raise roughly half this amount and at £10 million would raise just £43 billion from 22,000 people.

The average three-bedroom house in most of the south-east cost the best part of half a million.

Stealing people’s money is not uncommon in Europe. Let’s not forget Cyprus where the government stole its citizens bank balances to pay for their mess.

Phasing out cash for digital currency would obviously make this much easier. Currently there is around £50 billion of cash in circulation.

An Economist I know told me recently that he was looking into the average person’s bank balance and found it had gone up by £8000 this year due to reduced spending.

There is further bad news on the horizon for property owners as the government steps up measures to meet climate control targets.

The average bill for householders could be as high as £8000 to make their homes more energy efficient.

Fossil burning boilers will be phased out by 2028 and gas boilers by 2030.

The government is expected to bring forward the ban gas boilers on new homes from 2025 to 2023.

The government are also expecting us to eat 9% less meat by 2025 and 20% less by 2030 and also to reduce our consumption of dairy products by 20% over the next 10 years.

We will also be forced into exchanging our old petrol cars for overpriced electric vehicles, that’s assuming their will be any road space left on which to drive them!

This week, Boris Johnson is making last ditched attempt to secure a deal with the European Union. Personally, I think we will end up with a watered down, fudge of a deal we concessions being made on both sides.

The stock market went up on use of the vaccine but the pound went down on fears of a no deal Brexit!

The shops are booming it again following the end of the lockdown and supermarkets had the best month ever in November.

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        Will stamp duty holiday be extended?

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com


Tuesday, December 1, 2020

Should the government extend Stamp Duty holiday?


Should the government extend Stamp Duty holiday?

Pressure is mounting on the UK government Chancellor Rishi Sunak to extend the stamp duty holiday in order to avoid thousands of property purchases falling out of bed because they cannot meet the 31 March deadline.

·        Experts warn thousands of property transactions will run out of time and collapse

·        Thousands of Mortgages approved on the basis that no stamp duty is payable 

·        Tens of thousands will miss the 31 March stamp duty holiday deadline

·        Borrowers could have to find up to £15,000 more to fund their purchase

·        Lenders were may withdraw mortgage offers, causing thousands of transactions to collapse

·        Not enough man power in the market to get these transactions through before 31 March 2021 

·        Mortgage processing delays, shortage of surveyors and solicitors available to complete legal work 

·        Bank of England figures published this morning reveal a spike mortgages approved in October

·        Mortgages up 5.9% on previous month to 97,532 and 51% up on the same period last year. 

·        HMRC figures showed housing transactions hit 105,630 last month, up 9.8% on September 2020

·        Transaction completions generally follow mortgage approvals by between three and five months

·        Zoopla is predicting transactions in December to hit 140,000, the highest December since 2006

·        Mortgage rates rising despite record low Bank of England base near zero lending rates

·        Mortgage lenders hiking rates amid the scramble taking advantage of borrowers’ panic

Anthony Codling of property analysis firm Twindig said: 'The average rate for a new 95 per cent 2 year-fixed rate mortgage was 4.09 per cent in October 2020, an increase of 35 per cent since the start of 2020, according to the Bank of England.

House prices shrugged off the Covid economic hit from Covid-19 have risen by about 6% this year.

Andrew Wishart, UK economist at the research house said: 'The usual channels through which a recession hits the housing market, of rising unemployment and mortgage payment difficulties, have been mitigated by the furlough scheme, mortgage payment holidays, and a moratorium on repossessions. 

'Meanwhile, the market has been boosted by pent up demand from the first lockdown, a revaluation of space needs due to working from home, and an extra kick from the stamp duty holiday. 

'But the policy support that has protected and boosted the market this year is due to be withdrawn in 2021, just when we expect the unemployment rate to peak at 7%.

'The housing market has never escaped unscathed from a drop in employment of the scale we forecast. 

'In fact, in isolation the historical relationship between employment and house prices suggests a 25 per cent house price crash is in the offing. Our view, however, is that an annual fall closer to 5 per cent in Q4 2021 is more likely.' 

Tombs added: 'The outlook remains exceptionally unclear, given that government policies might change; the stamp duty holiday could be extended, or the government might follow through on plans to introduce a new mortgage guarantee scheme.' Source: This is Money.co.uk

Other Financial News

·        25,000 retail jobs in jeopardy as Debenhams and Arcadia collapse

·        Businesses may force us to be coronavirus Covid 19 vaccinated says government minister

·        Growing divide between rich and poor and north and south of England

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        Philip Green’s Arcadia could go bust

·        He is in Monaco sitting on his billions

·        Buying Arcadia and BHS, a classic BRR

·        He bought businesses and got his cash out

·        Mike Ashley wants to buy the assets cheap

·        Business Buying Opportunity Webinar

·        UK introduces Tier system lockdowns

·        Biggest economic decline in 300 years

·        UK national debt now exceeds £2 Trillion

·        Government borrowing will reach £394bn

·        Average house prices reach an all time high

·        Property marketing slows down in London

·        How a crash will affect your pension plan

·        Why live in expensive town centres anymore?

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Self-employed, have you claimed your government grant?

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

Someone will make a fortune from the collapse of Debenhams and Arcadia…

The 2020 business buying opportunity webinar will reveal:

·        The 10 strategies and tactics which have CHANGED as a result of lockdown

·        Three compelling reasons why now is the right time to buy a business and why you just can’t miss out

·        Why the number of businesses coming to market over the next twelve months will at least triple - and it’s not just because of Coronavirus

·        How to, without insulting the seller, lower the price by at least 50%, with one simple sentence

·        The real secret of finding businesses to buy – and it’s not cold calling or LinkedIn

·        Why Business Brokers are now your friend – even though for years I’ve been saying that they are the enemy...

Your webinar host Jonathan Jay:

"During lockdown I completed the purchase of SIX business, without meeting anyone face to face and without leaving my home. And I have another three at exchange, about to complete.

But here’s the best part – because of the lockdown, the deal structure changed overnight and this combined £3m a year annual revenue became mine, WITHOUT any of my personal cash invested."

Join Jonathan on Wednesday, 2nd December to find out how to utilise his exact strategy.

Claim your spot now!

Click for more details - https://bit.ly/36dbTvS