Mortgage rates are coming down despite the Bank of England holding the base rate at a 15 year high at 5.25%.

In this episode we discuss:

• Housing market and mortgage rates
• Section 24 Tax Trap for Landlords
• Money Management and Financial Freedom
• Gold and Silver Vs Cash Currency

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

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

3 Steps To Unlocking Financial Freedom!

Could you do more with your money and finances?

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

#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly

Interview with Theodore (T.J.) van Gerven CFP, as Boston-based Certified Financial Planner and podcaster covering the subject of “How to maintain financial independence and create growth and income streams from investments”.

In this episode we discuss:

• ‘F.I.R.E’ for Millennials
• Money Talks But Wealth Whispers
• How to financially plan for retirement or a sabbatical
• How to effectively manage finances for newly married couples
• Planning for an IPO: how to make the most of equity compensation

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

Theodore Joseph (T.J.) is the founder of Modern Wealth Builders, that aims to help maximize your resources and he is passionate about helping millennials to use money intentionally as a tool to build toward financial flexibility while accomplishing various goals on the path to independence.

Website: https://modernwealthbuilders.com

YouTube: https://www.youtube.com/channel/UCxejrzu3vF5dc9V3tb9uOoQ

Nectarine.com: https://hellonectarine.com/r/moneytips

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

3 Steps To Unlocking Financial Freedom!

Could you do more with your money and finances?

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

#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #FIRE #financialindependenceretireearly

The BRICS group, comprising Brazil, Russia, India, China, and South Africa, represents a formidable alliance in the global economic landscape. Formed in 2006, this coalition of emerging economies has steadily gained influence, shaping international trade and economic policies. Let's delve into the significance and impact of BRICS on the world stage.

Join me online on my free live money management training – 3 Steps To Financial Freedom - Wednesday at 7.00PM. Places are limited, so register now Click: https://bit.ly/3QPp8IH

BRICS: An Overview

BRICS stands for Brazil, Russia, India, China, and South Africa. These five countries together represent about 42% of the world's population, 23% of global GDP, and around 30% of the world's land area. The group's primary goal is to foster economic growth and development, facilitate trade, and promote peace and security among member states.

Watch YouTube Video - https://youtu.be/772wkB3pfBw

Economic Powerhouse

The BRICS nations are some of the fastest-growing economies globally. China and India, in particular, have witnessed unprecedented economic growth, becoming major players in the global market. Russia and Brazil, rich in natural resources, add significant value to the group's economic stability. South Africa, as the gateway to Africa, enhances the group's reach and influence across the continent.

Strategic Initiatives

BRICS is known for its strategic initiatives aimed at enhancing economic cooperation. The New Development Bank (NDB), established in 2014, is one such initiative. The NDB provides funding for infrastructure and sustainable development projects in member countries, reducing dependency on Western financial institutions. Additionally, BRICS has initiated the Contingent Reserve Arrangement (CRA) to offer financial support to members during economic crises.

Global Influence

The BRICS alliance seeks to create a multipolar world, reducing the dominance of traditional Western powers in global affairs. Through collaborative efforts in technology, energy, and infrastructure, BRICS nations are positioning themselves as key influencers in international policymaking.

Challenges and Future Prospects

While BRICS has made significant strides, it faces challenges such as economic disparities among members, geopolitical tensions, and varying political ideologies. However, the group's commitment to mutual growth and development continues to drive its agenda forward.

Stay tuned for more updates on BRICS and its evolving role in the global economy.

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

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

#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement #financialfreedom #section24tax #landlord #BRICS #GlobalEconomy #EmergingMarkets #EconomicGrowth #InternationalTrade #NewDevelopmentBank #SustainableDevelopment #Geopolitics #BRICSnations #WorldEconomy #EconomicCooperation #GlobalInfluence

Learn how to 10X Your Business Value And Cash Out TAX FREE

With Marc Adams, author of:

Secrets To 10Xing Your Business: And Cashing Out Tax-Free -

https://amzn.eu/d/ckG1SGB

Imagine reshaping the destiny of your business with strategies proven to not only multiply its worth but also to ensure a lucrative exit when the time is ripe. "Secrets to 10Xing Your Business and Cashing Out Tax-Free" is your guide through this transformative journey. This book doesn't just promise exponential growth; it hands you the roadmap to a destination that many entrepreneurs only dream of but never reach.

Dive into the critical first steps with the Introduction: Laying the Groundwork for a 10X Exit.

Watch interview on YouTube video: https://youtu.be/M78MxnL-I6g?si=b2vtvavWPGYt1_3Q

Visit Marc’s website: www.acquisitions4you.com

Email: hello@acquisitions4you.com

Ever wonder why you never seem to have enough money?

We are living in challenging economic times.

I want to show you how can you:

• 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?

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

See also:

Leasehold Scandal: The Biggest Property Scam in UK History? - https://youtu.be/b-wlBMTtmhg

Renters and Leasehold Reform Bills Update - https://youtu.be/Lxs0wTR3ejQ

3 Steps To Success Money Management!

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

#finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal #moneymanagement #financialfreedom #business #marcadams

See also: Leasehold SCAM - https://youtu.be/b-wlBMTtmhg?si=K71E-JNDBsfi3UFM

References: - "Leasehold Reform (Ground Rent) Bill" – UK Parliament: [Link](https://services.parliament.uk/bills/2021-22/leaseholdreformgroundrent.html) –

The Guardian on Leasehold Abuses: [Link](https://www.theguardian.com/money/leasehold-scandal) - BBC News on

Leasehold Reforms: [Link](https://www.bbc.com/news/business-leasehold-reform)

Ever wonder why you never seem to have enough money? We are living in challenging economic times.

I want to show you how can you:

• 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?

To help you, I am running a free training webinar. 3 Steps To Success Money Management!

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 #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal

Why leaseholds are ripping you off!

The UK leasehold system has long been a contentious issue, and many argue it’s one of the biggest scams in history. The current system, which dates back to feudal times, sees homeowners purchasing property but not the land it stands on. Instead, they lease the land from a freeholder, often for 99 years or more. This feudal relic is under scrutiny as the Leasehold Reform (Ground Rent) Bill moves through Parliament, aiming to address some of the system's inherent unfairness.

Leasehold ownership can feel like a trap for many. Despite buying their homes, leaseholders must pay ground rent to freeholders, which can increase significantly over time. Additionally, they often face hefty fees for minor alterations, high service charges, and exorbitant costs to extend their lease. Failure to comply with these terms can lead to severe penalties, including forfeiture of the property. This situation creates a financial burden and an ongoing dependency on freeholders, making it hard for homeowners to feel truly secure in their properties.

The Leasehold Reform Bill seeks to abolish ground rents for new residential leases, which is a step in the right direction. However, it does little to alleviate the burdens on existing leaseholders. The bill also does not address other controversial issues like high service charges or the complex and costly process of enfranchisement, where leaseholders attempt to buy the freehold of their property.

Critics argue that the current system is outdated and exploitative, designed to benefit freeholders at the expense of leaseholders. The feudal origins of leaseholds, meant to maintain control and extract wealth from tenants, seem archaic in the 21st century. With more than four million leasehold properties in the UK, the impact is widespread, affecting millions of homeowners.

Reform is crucial, not just to modernize property ownership but to ensure fairness and security for homeowners. The Leasehold Reform Bill is a start, but comprehensive change is needed. Abolishing leaseholds entirely or drastically reducing the power imbalance between freeholders and leaseholders would be a significant step toward justice for UK homeowners.

As the debate continues in Parliament, the hope is for a future where owning a home means true ownership without the strings of an outdated feudal system. Unfortunately, it looks like the legislation will be watered down and leaseholds will continue to plague flat owners in the UK. Will a future Labour government change this like they tried, and failed, before?

#LeaseholdReform #PropertyScam #Homeownership #UKHousingCrisis #FreeholderAbuse #LeaseholdScandal

**References:**

- "Leasehold Reform (Ground Rent) Bill" – UK Parliament: [Link](https://services.parliament.uk/bills/2021-22/leaseholdreformgroundrent.html)

- The Guardian on Leasehold Abuses: [Link](https://www.theguardian.com/money/leasehold-scandal)

- BBC News on Leasehold Reforms: [Link](https://www.bbc.com/news/business-leasehold-reform)

We are told that we get what we deserve, but is that true?

We get what we tolerate, accept and put up with.

People will put up with the most terrible situations in their lives including abusive relationships, bad jobs and low wages for years.

Have you noticed that there are people who seem to get treated better than others?

Have you heard the expression he or she is “nobody‘s fool”?

He or she just seems to demand respect and they get it! That doesn’t mean they are rude or arrogant.

Then there are those unfortunate people who just soak it up!

They are the person that gets all the crap jobs, the family member that’s bossed around and bullied!

And it goes through their whole life and never seems to change, unless they do. I’ve seen two elderly sisters where one of them is dominating the other to the extent that it’s almost an abusive relationship.

What unwanted things have you been tolerating in your life for years?

• Relationships
• Abusive boss
• Abusive family member
• Career or job you hate
• Money problems and lack
• Bad neighbourhood
• Bad neighbours!
• Economy flights! Ha ha!

Make your own list…

You don’t have to put up with it for the rest of the life, and don’t have to be a martyr!

Holding in that anger has been scientifically proven to cause physical health problems.

You’re not going to get that promotion if you allow yourself to be the butt of everyone’s jokes.

There’s no point in running away or changing jobs, because there is always an asshole or bully in every company!

Think of the bully as a teacher who has been sent to give you a lesson.

What are you going to do about it?

Here are some suggestions:

• Decide!
• Refuse to tolerate less than you deserve.
• Start slowly, pushing back.
• Be assertive and not aggressive.
• Take an assertiveness course if need be.
• Work on yourself and upgrade your skills.
• Write out your goals and expectations in your career, health, wealth and life.
• Start making plans to achieve your goals.
• Just get started! Do it!
• Start managing your money, time, health, energy, sleep, diet and life.

Make a decision today to expect the best in your life and rid yourself of all unwanted people and things that are not to your liking.

I regularly book business class flights or upgrade to business.

Why?

More comfort

Better sleep and

I feel better in myself

Less recovery time wasted

I enjoy rather than endure the flight.

I decided many years ago to work for myself rather than work for somebody else.

I made that lifechanging decision to work on myself more than I was working on my job, so I started a journey of self-improvement and mentoring to improve my wealth and health.

Do you ever wonder why you never seem to have enough money?

We are living in challenging economic times.

I want to show you how can you:

• 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?

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

3 Steps To Success Money Management!

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

#finance #moneytraining #moneymanagement #wealth #money #marketing #property #investment #assertive #businessclassflight #freemoneytraining #moneytips #relationships #health