Immigration Matters: Exciting New Graduate Nursing Programme Launched i...

Immigration Matters: Exciting New Graduate Nursing Programme Launched i...: Exciting New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino Nurses   In an effort to address the challenges ...

What Triggers Us To Buy Top Brands And Products?

What Triggers Us To Buy Brands And Products?

Is price always the deciding factor when we make a buying decision?

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3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest, and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM - register now below to avoid disappointment.

https://bit.ly/3QPp8IH

Brand Loyalty Doesn’t Always Pay

People buy market-leading brands for a variety of reasons including comfort, peace of mind and safety and status.  

However, brand leaders, such as Heinz beans or Coca Cola can sell their products for a substantial premium over similar generic equivalents.

Watch YouTube Video - https://youtu.be/MnbR5AYXmYQ

Tip – Avoid brand loyalty where possible and only buy favourite brands when on sale.

Advertisers and supermarkets manipulate us to buy products which pay for the best positions and even height in the aisles.

Tip – Always check the ‘price per kilo’ (not sticker price) when buying meat or fish.

Poorer households in the West can spend up to 30% of their disposable income on food and essentials and as much a half their income in developing countries.

Engel’s Law

The 19^th Century German statistician, Ernst Engel, observed that the percentage of income allocated for food purchases decreases as a household's income rises, while the percentage spent on other things (such as education and recreation) increases.

Right now, food inflation is hitting poor and middle-class families hard.

Tip – Buy fresh produce, and cook, rather than prepackaged and processed food.

Brand Value

The brand value of tops brands, like Apple, Coca Cola Amazon and McDonalds are worth around $300.

Legendary investor Warren Buffett buys companies which have a brand or competitive ‘moat’.

Did you know that up to 85% of Berkshire Hathaway’s stock holding are in leading brands such as Apple, Bank or America, Coca Cola and American Express? Warren and his partner Charlie Munger pick winners and stay investing in them for years.

Tip – Warren Buffett waits for the right time to buy stocks which are ‘on sale’.

It’s coming…Prepare yourself for the coming downturn in the economy and stock market and property prices.

Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps

Discover the keys to prosperous money management that won't compromise your quality of life. Register here - https://bit.ly/3QPp8IH

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

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

 

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset.

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

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

https://bit.ly/3QPp8IH

#mindet #money #wealth #landlord #property #financialfreedom #stockmarket #warrenbuffett #invest #pensions #millionairemindset #apple #amazon #macdonalds #engelslaw

Mortgage & Property Update - Money Tips Podcast

Mortgage & Property Update Money Tips Podcast

·        Property prices decline

·        Rents soar

·        Fixed rates fall

Join me online on my free live money management training Wednesday at 8.00PM. Register now below https://bit.ly/3QPp8IH

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

Your belief system and mindset can seriously affect your wealth and the quality of your life.

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps

Discover the keys to prosperous money management that won't compromise your quality of life. Register here - https://bit.ly/3QPp8IH

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

Watch full video on YouTube - https://youtu.be/lE2q5J-TcCM

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

 

Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

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

https://bit.ly/3QPp8IH

#mindet #money #wealth #landlord 

Door Number 13 Can Knock £5,000 Off The Value Of Your Property, Say Righ...

Door Number 13 Can Knock £5,000 Off The Value Of Your Property, Say Rightmove

Welcome to Friday 13^th!

Did you know that a house number 13 can be worth up to £5,000 LESS that the property next door, according to a survey by the property website Rightmove.

Join me online on my free live money management training, Register now https://bit.ly/3QPp8IH

Developers often omit 13 for a row of houses or flats.

Is 13 really an unlucky number or just a belief system?

Other so-called unluck numbers include number 4 in Chinese, Japanese and Korean cultures. Chinese building will frequently not have a fourth floor, instead jumping from floor 3 to 5!

Your belief system and mindset can seriously affect your wealth and the quality of your life.

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps

Discover the keys to prosperous money management that won't compromise your quality of life. Register here - https://bit.ly/3QPp8IH

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

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

 

Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

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

https://bit.ly/3QPp8IH

#mindet #money #wealth #landlord #property #financialfreedom #rightmove

Is Your Money Safe In Metro Bank?

Is Your Money Safe In Metro Bank?

In this week’s Money Tips Podcast:

·        Should you worry about Metro Bank’s finances, as they struggle to raise £600 million to maintain its ambitious expansion programme.

·        Property prices fall for sixth month in a row according the Halifax who say the slump will continue into 2024.

·        Help to Buy Scheme sees return of ‘Negative Equity’.

Watch full YouTube video -  https://youtu.be/hCLidk13PP4?si=fwM1e5xV6O6nR1vi

 

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

 

Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

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

https://bit.ly/3QPp8IH

#mortgage #fixedratemortgage #landlord #property #metrobank #houseprices

Better News And Opportunities For Landlords As Fixed Mortgage Rates Fall And EPC Changed Parked

Good News And Opportunities For Buy-to-Let Landlords As Mortgage Interest Rates Finally Start To Fall And EPC Changes Dropped

In this week’s Money Tips Podcast edition:

·        Fixed mortgage rates ease following Bank of England’s rate hold.

·        Opportunities for landlords to increase rental returns and/or reduce management time and costs through leasing, holiday lets and rent-to-rent.

·        EPC Changes Dropped

The Bank of England held rate this month, as inflation starts to ease, and the economy slows. Lenders have responded with lower fixed rates.

Watch full video here: https://youtu.be/Y5nEzLl9wmw

Banks are in the business of lending, which means they must make mortgage deals more attractive for borrowers.

However, headline fixed rates are not always the best deal when fees and charges are taken into account.

For instance, SBI are offering a market leading fixed rate mortgage at 3.9%! Sounds great until you realise that the arrangement fee is a whopping 5%! This would amount to £10,000 on a £200,000 loan.

You could be better off paying a higher rate with a lower fee, which is why it pays to use an experience independent adviser. A good independent mortgage broker can guide you through the minefield of mortgage deals.

Higher interest rates have forced landlords to look for better returns and yields on their properties.

The rent-to-rent and holiday let market has grown in the last few years and there are many established and reputable companies offering a variety of solutions for landlords seeking higher returns or less management.

Some offer guaranteed rents for periods ranging from 2 – 5 years, while others will share profits with the landlord on holiday lets, which could be higher but has no guarantee.

The property must be in a “habitable” condition, but in the case of holiday lets must also be fully furnished to a high standard at the landlord’s expense – this can involve spending up to £10,000 to get the property in showroom condition.

There is a huge demand for properties for contractors, homeless families and asylum seekers.

Do your own due diligence and stick to establish, reputable companies with a good track record.

If you have a mortgage, check that your lender will allow a company let or lease and obtain their permission to avoid being in breach of your mortgage terms. This could result in your mortgage being cancelled or “called in” = i.e., we want our money back in 30 days!

Your buildings insurer will also need to be informed, otherwise you risk having any claims, for instance a fire, refused.

See also:

 

·        Transfer Property to A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

 

·        Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset.

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

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

https://bit.ly/3QPp8IH

Have a great weekend and week ahead.

 

#mortgage #fixedratemortgage #landlord #property #renttorent #butoletlandlord #rentalproperty #asylum #EPC #Netzero

What is the UK 'Pensions Triple Lock' and why the State Pension Scheme i...

What is the UK Pensions Triple Lock?

What can you expect from a bankrupt state pension scheme when you retire?

Unlock Financial Freedom: Master the Art of Money Management in 3 Simple Steps

Discover the keys to prosperous money management that won't compromise your quality of life.

**Join the training**: Register Now   

https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

About Charles Kelly:

Speaker, Podcaster, Author, Property Investor, Digital Marketing, Former Immigration Adviser and International Recruiter and Business Consultant.

Charles has been featured as an expert guest on prestigious platforms such as BBC News, Radio 5, and more. He is committed to helping individuals achieve financial freedom through education, effective money management, and the acquisition of valuable money-making skills.

Don't miss this opportunity to take charge of your financial future.

**Register now for this free online training**: Secure Your Spot https://us02web.zoom.us/meeting/register/tZUpc-mhpzgrG9xJNvCuCklVcOPpk82yMMKx

 

#money #financialfreedom #pensions