Saturday, May 24, 2025

Forget Spain and Portugal – Malaysia is the Best Place to Live and Inves...

Forget Spain and Portugal – Malaysia is the Best Place to Invest in 2025

Why I'm Quitting UK Buy-to-Let Property – From Buy-to-Let to Bye-Bye UK: My Property Investment Shift to Malaysia

After years in the UK buy-to-let property market, I’ve made the difficult decision to step away. While British property was once a reliable path to wealth, it’s no longer what it used to be. Increasing taxes, endless regulations, and government pressure on landlords have made the market unattractive. With Labour pushing for more restrictions and potential rent controls, landlords are squeezed more than ever.

So, where else can you go to invest and live well?

Some investors are turning to EU countries like Spain and Portugal. However, Spain has slapped a controversial tax on foreign buyers, and Portugal recently pulled the plug on parts of its golden visa scheme. Add bureaucracy and high costs, and Europe is looking less inviting.

But here's the good news: there are better alternatives.

One of my top recommendations is Malaysia—specifically Kuala Lumpur. Compared to other Southeast Asian destinations like Thailand, Vietnam, or the Philippines, Malaysia offers far better value. Property prices in KL are surprisingly affordable, often cheaper than its neighbours, and the cost of living is about half that of the UK.

Malaysia also stands out for its MM2H (Malaysia My Second Home) visa program. This relatively low-cost golden visa allows you to live long-term, invest in property, and enjoy a warm climate year-round. English is widely spoken, the infrastructure is excellent, and crime levels are notably lower than in the UK.

What’s more, Malaysia is a hub for travel across Asia, with great connections to Thailand, Singapore, Indonesia, and beyond. You’ll enjoy an amazing lifestyle, rich culture, fantastic cuisine, and excellent value—whether you're retiring, investing, or working remotely.

In short, I'm moving on from UK property and choosing freedom, lifestyle, and opportunity in Malaysia.

Finally, I used an amazing visa agent for the MM2H and estate agent (who is a British Ex-Pat) to help me on my journey. Beware of the sharks and a few scammers. If you are considering Malaysia or Kuala Lumpur, and would like an introduction drop me an email charles@charleskelly.net

#UKPropertyCrisis #BuyToLetExodus #MalaysiaMM2H #OverseasInvestment #PropertyAbroad #RetireInAsia #MoveToMalaysia #GlobalInvestor #PropertyTips #CharlesKellyMoneyTips


Sunday, May 18, 2025

Part 2 Why I’m Quitting Buy-to-let Property Market – Update

Part 2 Why I’m Quitting Buy-to-let Property Market – Update


The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121

Watch video -  https://youtu.be/pA2Co2zk4zM

Why I’m quitting buy-to-let but not property - Part 2 Update

 

Thanks for the amazing comments from first video!

 

Lots of positive comments from landlords. Some of them agree with me others do not.

 

Several landlords, one who had 60 buy-to-let properties, have already started selling and getting out completely.

 

Many of the comments indicated that there was a general sentiment that the UK, as well as buy-to-let, is finished.

 

Many are planning to leave and quite a few have left already.

 

We already know that a substantial amount of wealth as left the UK and more capital will be transferred out of the country in the coming years. 

 

Billions in tax revenue will be lost to the exchequer.

 

Jobs are also being affected by labour’s ‘jobs tax’ with unemployment up and recruiting slowing as employers lose confidence. 

 

This comes at a time when jobs are already being lost to outsourcing and AI!

 

What labour don’t get

 

·        Businesses create wealth – not governments!

·        Businesses create jobs

·        The wealthy already pay more tax than the poor

·        When the wealthy leave, the middle classes and the poor will all have to pay more tax to pay for running the country and servicing the debts and will suffer a lower standard of living.

 

I’ve seen it before in my life under a previous labour government who put up the highest rate of tax to 98% and caused a brain drain. 

 

Clarification

 

I’m not getting out of Property just standard buy-to-let AST’s under the new Labour government’s socialist republic.

 

Alternative property strategies

 

·        Leasing to local authorities or housing providers

·        Rent-to-rent – little or no capital required to start

·        Furnished holiday lets, AIRBNB, Booking.Com etc

·        BRR by refurbish and refinance using other people’s money

 

There are many more strategies you can learn about by studying under experts who been there and done it before. 

 

If you’d like to find out more than link below to join a free seminar or course to enhance your property knowledge:

 

charles@charleskelly.net

 

Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail.  


Despite warnings of our demise, the UK will also survive the fools in power.  

See other videos:

Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0

Nigel Farage SLAMS HMO BUY-to-Let Landlords

In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw

Better property strategies are needed - Learn property strategies from experts

There are so many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property.

For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net


Saturday, May 10, 2025

Why I’m Quitting Buy-to-let Property Market

Why I’m Quitting Buy-to-let Property Market


The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121

Brief history of the buy to Let market

Watch video - https://youtu.be/Vy6NTf38uR8

My story of finding a rental property before BTL and pre-ASTs - It was worse than now.

No council house building since the 1970s and the introduction of right to buy

The BTL model has worked well since the 1990’s.

Properties were relatively cheap
Returns were good, even with higher mortgage rates
With higher interest rates so you could just about break-even, but enjoy fast capital growth

Now the government thinks the pendulum swung too far in favour of landlords. Tenants are unhappy about high rents and insecurity. But is that the fault of landlords or a symptom of 50 years of short-term thinking government policy?

The buy-to-let boom has led to a massive transfer of wealth into property, as well as the banks, and it seems the ‘powers that be’ want to apply the brakes with legislation and taxes,


We are now living in a new socialist regime after 30 years of relatively business friendly government, which includes the Blair labour government.


My personal experience

30 years dealing with tenants - nothing against tenants, I just haven’t got the patience for it anymore!
New threats from various BPU’s (business prevention units)
Lack of social housing being built for 50 years
Mass immigration from all governments since the Blair years leading to an unprecedented population explosion
Swinging from unrestrictive to tighter lending
Planning hold-ups leading to housing shortage
Anti-landlord policy starting with Conservative Chancellor George Osbourne and his Section 24 landlord tax
Renters rights bill, which was born out of a conservative policy
End of section 21 no fault of evictions and a ban on so-called “back door” evictions
Open end of tenancies – how is that going to work in practice?
New minimum housing standards and more red tape - many councils and large housing associations would fail these standards but only private landlords will be hit
Ban on Advanced rent payments, often used where tenants fail referencing or are from overseas.  
Even more rights for tenants
Less security for property owners
Ban “discrimination”
Right to request adaptation of Properties in the case of disabilities
Restrictions on rent increases
Rent repayment orders
More powers for local councils to sanction landlords
New digital Landlord database, but no rouge tenant database  
County court backlogs, meaning that enforced evictions will take up to a year

 

Renters rights was mentioned in parliament recently during PM’s questions after a labour MP raised the point that tenants were being priced out by landlords.

Prime Minister Sir Keir Starmer said that his new renter’s rights bill will help 11 million tenants.  

He said they will end no fault of action something which the Conservatives had failed to do. . 

Landlords could be obliged to take pets and tenants on benefits


Over the past year, only 6.6% of room-offered ads on SpareRoom explicitly welcomed pets, while a striking 93.4% did not.

One third of people in the UK have pets and 29% own a cat.  

On a Spare room survey 93% of landlords display that they are unwilling to accept pets, this will be banned under the future law.

If a tenant wants to keep a pet at home, landlords will not be able to unreasonably withhold their consent.

If a tenant feels you’ve made an unfair decision they can challenge it by taking their complaint to the Private Rented Sector Ombudsman or even to court.

Falling returns


Soaring house prices means it’s difficult to get a positive yield on straightforward buy-to-let property
Landlords have turned to HMO strategies, but local authorities are introducing more article 4 areas.
 
The yields on properties in London and the Southeast have been driven down by high prices.

Landlords are increasingly buying in the Midlands and the north of England, but who wants to drive 300 miles to find and manage property?


Many have adapted and move into furnished Holiday lettings in order to avoid section 24 and the end of section 21 notices, but now the BPU are heading them off at the pass!


Tax changes abolishing the advantages of furnished holiday Lettings , brought in by Jeremy “Hunt” the left leaning former Chancellor under the last ‘high tax’ conservative government.

 

I know some landlord I’ve spoken to are happy to stay in the market and feel that they can adapt to the new laws. That’s fine there’s still a profit (sorry if that’s a dirty word, but without profit there is no service) to be made and in a long-term it’s still a good investment, but not for me and thousands of other landlords anymore. As the TV Dragons say, I’m out!

Am I quitting property altogether? No!


Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail.  


Despite warnings of our demise, the UK will also survive the fools in power.  

See other videos:

Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0

Nigel Farage SLAMS HMO BUY-to-Let Landlords

In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw

Better property strategies are needed.

Learn property strategies from experts

There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property.

For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net

 

#NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips


Monday, May 5, 2025

Farage SLAMS HMOs: "Blaming Landlord for Housing Illegal Migrants and Wr...


Nigel Farage has once again ignited controversy, this time turning his sights on the UK’s House in Multiple Occupation (HMO) sector. Speaking out this week at a Reform press conference in Dover, Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense.

Watch video - https://youtu.be/NKaPZj-APgw

Farage, who could become the next UK Prime Minister according to the polls and recent local election results, argued that the rapid growth of HMOs—particularly in urban areas—is "a symptom of a failed immigration and housing policy." He criticised how private landlords and government contracts are turning residential streets into overcrowded multi-let properties, undermining local cohesion and public services.

While HMOs can be a profitable property strategy, especially for landlords seeking higher yields, they’ve become controversial. Local residents often complain about noise, rubbish, overcrowding, parking and falling property values. Councils have responded with Article 4 directions and tougher licensing schemes.

Is this another nail in the coffin for buy-to-let property investment, and further reasons for landlords to get out of the UK property market?

In recent years, landlords have had to contend with:

·        Section 24 landlord tax – watch accountant explain tax and solutions - https://youtu.be/aMuGs_ek17s

·        Increased tax and

·        Increased red tape and regulation.

Now, landlords are facing Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’. See full episode - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s

The latest episode of the Charles Kelly Money Tips Podcast explores the truth behind these claims, what it means for property investors, and the future of HMO investments in the UK. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121

In the next Charles Kelly Money Tips Podcast episode, I will tell you why I’m getting out of buy-to-let property after 30 years!

There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property.

For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net

 

#NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips


Sunday, April 27, 2025

PENSION PANIC AS STOCK MARKETS CRASH

Pension Panic As Stock Markets Crash

US stock markets have crashed 20% in the last three months and trillions has been wiped off the value of companies worldwide since Donald Trump’s election and his recent tariffs on US imports.

Watch full story - https://youtu.be/XJlQ2cAzG3I

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#WealthBuilding #SaveMoney #InvestWisely  #PersonalFinance  #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis   #money #businessnews   #china   #kierstarmer #USEconomy #UKEconomy #GlobalMarkets #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar


Sunday, April 20, 2025

3 Steps to Early Retirement

3 Steps to Early Retirement

Three simple steps to retiring early and financially free.

Interview with top Broker and Financial Planner Tim Smith.

Watch full interview - https://youtu.be/zgwmtnADPyE

Links inks to Tim's website and online profiles:

Website: https://www.aurorapw.com/

Facebook: https://www.facebook.com/auroraprivatewealth

IG: https://www.instagram.com/thefinancialdad_/

LinkedIn: https://www.linkedin.com/in/timothy-l-smith-cfp-r-b1293443/

US stock markets have crashed 20% to 25% since their highs in February and $10 trillion has been wiped off the value of companies worldwide in the last five days since Donald Trump announced his tariffs on US imports.

Watch video - https://youtu.be/8U9drRMpf2M

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#WealthBuilding #SaveMoney #InvestWisely  #PersonalFinance  #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis   #money #businessnews   #china   #kierstarmer #USEconomy #UKEconomy #GlobalMarkets #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar


Tuesday, April 8, 2025

US STOCKS CRASH 25%


US stock markets have crashed 20% to 25% since their highs in February and $10 Trillion has been wiped the value of companies worldwide in the last five days since Donald Trump announced his tariffs on US imports. Trumps measures have prompted fears of a trade war between China and America, as well as a global economic slowdown, according to the OECD. The UK Prime Minister Sir Kier Starmer has yet to react to the “reciprocal” 10% tariff imposed on goods and 25% tariff on cars, saying a trade war is in nobody’s interest. Stock markets have been falling around the world putting millions of people’s savings and pension pots at risk of a crash.

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis   #money #businessnews   #china   #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips #Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar

Wednesday, April 2, 2025

Trump’s Trade War Will Make Us All Worse Off As Stocks Tumble

US Tariffs could lead to a trade war and a global economic slowdown, according to the OECD.

China, Mexico, Canada and the EU have said they will be imposing reciprocal tariffs on America. The UK has yet to react to a “reciprocal” 10% Tariff announced by Donald Trump today. Prime Minister Sir Kier Starmer said a trade war is in nobody’s interest.

Stock markets have been falling around the world putting millions of people’s savings and pension pots at risk of a correction or even a crash.

The S&P 500 had its worse quarter since 2022.

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis   #money #businessnews   #china   #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips #Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar

 


Monday, March 31, 2025

Furnished Holiday Let Changes From April 2005 And More Tax Tips From Acc...


Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/VRexfc258N4

Interview with Chartered Tax Adviser and Accountant on changes to Furnished Holiday Lettings tax regime, IHT, Trusts and Wills, SDLT, pensions, ISA, Non-Dom tax status and end of year tips.

High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this.

As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money.

1. Maximize Your ISA Allowance

You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up.

2. Utilize Pension Contributions

Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last.

3. Claim Allowable Expenses

Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit.

4. Use Capital Gains Allowance

Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year.

5. Gift Money IHT Tax-Free

Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it.

6. Use your accountant, tax specialist, financial adviser and other professionals to save you money.

Good advice can save you a fortune. Invest in yourself.

Don’t miss out on these end-of-tax-year strategies—watch the full video now!

7 Powerful Steps to Transform Your Finances in 2025

As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth.

Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

 

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #furnishedholidaylet #IHT #SDLT #ISA


Friday, March 21, 2025

Buy-to-Let UK Property Companies SOAR After Section 24 Tax on Landlords

Buy-to-Let UK Property Companies Soar After Section 24 Tax on Landlords

The number of UK buy-to-let property companies listed at Companies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell on landlords.

If you are stuck in the Section 24 tax trap contact me at charles@charleskelly.net to arrange a free consultation with a property tax specialist.

There are now over 400,000 limited property companies registered, more than any other businesses and four times as many as fast food firms. Since 2016 there has been a fourfold rise in incorporated buy-to-let businesses, much of which is due to George Osbourne’s ‘Section 24’ tax hike on landlords.

The change in the law meant that buy-to-let landlords with properties held in their own names could no longer offset mortgage interest against their rent (pre-profit gross income).

Almost 700,000 properties are now held in limited companies, rather than in individual names, which has become the standard method used to buy investment property in the UK.

Watch full video version - https://youtu.be/tdcdZDdu7qY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

 

#section24 #TaxSavingTips #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips # #property #propertycompany #investmentproperty #buytoletlandlord

 


Friday, March 14, 2025

What's the Future of Global Business, Finance, BRICS, Crypto and AI


The Future of Global Business, Finance, BRICS, Crypto and AI

As one of the top global influencers in the future of finance, Emmanuel David is renowned for his ability to illuminate how finance is being transformed through a combination of geopolitics, cutting-edge technologies and decentralised finance. 

His work covers the full range of topics including:

 the future of the dollar as a reserve currency, 

 the BRICS payment system,

 the failure of CBDCs and the rise of stablecoins 

 when the U.S. embraces crypto,

 the impact of AI on finance, 

 traditional banking and DeFi,

 APIs and the cloud in finance

 The personalization of finance

Emmanuel is the founder of TAB Global, which encompasses platforms like The Asian Banker, Wealth and Society, and The Banking Academy. These platforms have been instrumental in building vital connections within the financial industry, fostering collaboration, and driving innovation on a global scale.

End of tax year tips

As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities.

Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

 

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #emmanueldavid #globalfinace #property


Thursday, March 6, 2025

Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut

Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut

The Bank of England cut base interest rates from 4.75% to 4.5% in February, their lowest level for 18 months and raising hopes of further cuts in 2025.

But now inflation has reared its ugly head again with an unexpected rise to 3%, largely driven by higher government borrowing and spending, as well as public sector pay rises.

See video version - https://youtu.be/7Sc0oL4BHdM

Mortgage holders and property buyers were hoping that the Bank of England would continue cutting rates this year and whilst this could still happen there is unlikely to be a further cut when the bank’s monetary committee meets on 20 March.

Higher interest rates have a direct impact on how much you can borrow to buy a property, as the banks apply strict affordability criteria. However, the government has talked about easing mortgage lending to stimulate the flagging market and help first time buyers.

Higher stamp duty does NOTHING to help people who want to buy their own home.

End of tax year tips

As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities.

Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

 

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips

 


Thursday, February 27, 2025

6 End of Tax Year Tips: Maximize Savings and Reduce Your Bill

6 End of Tax Year Tips: Maximize Savings and Reduce Your Bill

UK Chancellor Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

The government wants your money…

Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/uXcCqWj_xfs?si=o19GOrXrh3375WaV

They don’t produce wealth, they just tax those who do! They take from us to spend our money. High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this.

As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money.

1. Maximize Your ISA Allowance

You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up.

2. Utilize Pension Contributions

Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last.

3. Claim Allowable Expenses

Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit.

4. Use Capital Gains Allowance

Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year.

5. Gift Money IHT Tax-Free

Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it.

6. Use your accountant, tax specialist, financial adviser and other professionals to save you money.

Good advice can save you a fortune. Invest in yourself.

Don’t miss out on these end-of-tax-year strategies—watch the full video now!

7 Powerful Steps to Transform Your Finances in 2025

As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth.

Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

 

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips


Friday, February 21, 2025

Gold and Silver Rises 40% in 12 months

Gold and Silver Rises 40% in 12 months!

The price of precious metals like gold, sliver and platinum have soared in price in the last 12 month amid market fears and rising inflation.

 

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 of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call.

 

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.

Watch YouTube video: https://youtu.be/woBQBtavLUM

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 maintained a reputation for stability.

2. Tangibility and Security:

One of the key advantages of investing in physical gold and silver is the tangible nature of these assets. Unlike cryptocurrencies, which exist only in the digital realm, and stocks, which represent ownership but lack a physical presence, gold and silver can be held in hand. This tangibility not only provides a sense of security but also ensures that investors have a physical asset they can access irrespective of economic conditions.

3. Diversification:

While stocks and real estate have their merits, they can be vulnerable to economic downturns. Gold and silver, on the other hand, often move inversely to other asset classes, providing an effective means of diversification. A well-diversified portfolio that includes precious metals can potentially mitigate risks and enhance overall stability.

4. Inherent Value:

Gold and silver derive their value from their intrinsic properties rather than relying on the perceived value assigned by market sentiment, as is often the case with stocks and cryptocurrencies. The industrial uses of silver, for example, contribute to its value beyond its role as a precious metal. This intrinsic value can offer a certain level of reassurance to investors, especially during times of economic uncertainty.

5. Inflation Hedge:

Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation.

While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio.

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/UC2tLUxod264Qy0gPntvx6Eg

Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)

 

#interestrates #inflation #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24 #Investing #FinancialDecisions #WealthManagement #assetbackedinvesting


Friday, February 14, 2025

Tech Stocks Jitters Causes Market Panic

Tech Stocks Jitters Causes Market Panic

Should you be worried about recent sharp falls in the US stock market?

See also:

10,000 Millionaires Leave The UK..

Why are millionaires quitting Britain at the rate of one every 45 minutes?

Watch full video - https://youtu.be/AcI6g-O3yxs?si=qCTDkB3p8MVsTOOU

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

UK Economy Is Flatlining

 

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.  

 

Watch video version - https://youtu.be/FgXuoDMFE3c

 

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis   #money #businessnews   #china   #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips #Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends

 


Thursday, January 30, 2025

10,000 Millionaires Leave the UK: What Does It Mean for the Economy?

In recent years, the UK has seen an exodus of high-net-worth individuals (HNWIs), with over 10,000 millionaires leaving the country in the past decade. This trend is raising concerns about its long-term impact on the economy and tax revenues.

Why Are Millionaires Leaving?

Factors driving this migration include high taxes, rising living costs, and stricter regulations. The UK’s top income tax rate of 45% on earnings above £125,140 is a significant burden for wealthy individuals. Add to this inheritance taxes, capital gains taxes, and the cost of living in cities like London, and the UK becomes less appealing compared to countries like the UAE, Monaco, or Singapore, which offer lower taxes and more favourable business conditions.

Watch full video - https://youtu.be/AcI6g-O3yxs

Economic Implications

This migration of wealth has broader consequences. High-net-worth individuals contribute significantly to tax revenue and economic activity through investments, business creation, and philanthropy. Their departure could lead to reduced economic growth and strain public finances.

What Can Be Done?

To reverse this trend, the UK must reconsider its tax policies, provide incentives for wealth retention, and create an environment that supports innovation and investment.

For more insights on managing your wealth and staying ahead financially, tune in to the Charles Kelly Money Tips Podcast on YouTube.

Join me for my free webinar, Three. Steps to money, management and financial freedom, Wednesday 7 pm. 

 

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

 

See also:

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

Section 24 Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

Make 2025 the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow.

For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today!

See also:

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

UK Economy Is Flatlining

 

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.  

 

Watch video version - https://youtu.be/FgXuoDMFE3c

 

3 Steps To Unlocking Financial Freedom!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis #rachelreeves #money #businessnews #bondcrisis #china #rachelreeves #kierstarmer #MillionairesLeavingUK #WealthExodus #UKEconomy #TaxPolicy #CharlesKellyMoneyTips #Podcast #FinancialFreedom #TaxPlanning #HNWIs