Episodes

  • Property COLLAPSE in the UK and the Fall of Flats!
    Sep 3 2026
    Property Collapse As Flat Prices Dive Is the UK property market crashing? Westminster down 27% Kensington down 20% Flats down in most parts of the UK Where is the market going and why are flats selling for less than people bought them for 5 years ago? Property prices are also dropping in the Middle East and Australia as the effects of Trumps war spreads across the globe. Watch video - https://youtu.be/T6BiYvW8zIk Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #trump #evergrande #Chinalaw
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    30 mins
  • Smoking Could Cost You £2 million Over Your Lifetime
    Jul 10 2026
    Smoking a pack of 20 cigarettes a day costs over £5,300 annually according to stop smoking charities. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care. Personal Cost Breakdown On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices: 10 cigarettes a day: Approx. £2,646 to £3,000 per year 20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year 40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised. To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages. Smoking a pack of 20 cigarettes a day costs over £5,300 annually. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care. Personal Cost Breakdown On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices: 10 cigarettes a day: Approx. £2,646 to £3,000 per year 20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year 40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised. To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages. See also: What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026 to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, in person, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt or acknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices being served on tenants prior to the deadline when ‘no fault evictions’ will no longer apply, according to the Guardian. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost #indexfunds #pensionfunds #investing
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    13 mins
  • Gold, Silver and UK Residential Property Price Drop
    Jun 25 2026
    Assets like Gold and Silver and UK residential property have all suffered sharp price drops this year. Watch video: https://youtu.be/Zupx5H-8xfk See also: Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUST Do NOW To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026 to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #gold #silver
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    19 mins
  • Property Falls
    Jun 5 2026
    UK property prices fall for the first time this year, according to the Nationwide Building Society. The lender reports that prices fell by 0.6%, slowing the annual growth rate to 1.7%, citing the Iran war as a factor. Property prices are also dropping in the Middle East and Australia as the effects of Trumps war spreads across the globe. Watch video - https://youtu.be/T6BiYvW8zIk Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUST Do NOW To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026 to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #trump
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    12 mins
  • Renters Rights Act In Force Today – What Landlords MUST Do To Avoid A £7000 Fine
    May 7 2026
    The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026 to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, in person, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt or acknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices being served on tenants prior to the deadline when ‘no fault evictions’ will no longer apply, according to the Guardian. #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026
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    23 mins
  • John Lewis Pulls Out Of Residential Property Market
    May 1 2026
    In this podcast we discuss the decision by the major retailer John Lewis to withdraw from developing thousands of residential properties. Meanwhile, as thousands of small private lands quit the buy-to-let property, private equity firms and hedge funds continue to invest billions of pounds into the housing market. Watch full video: https://youtu.be/m5Aoqr4hquU New Tax Rise For Landlords In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag’. This is in addition to the hike in the stamp duty surcharge on second property purchases to 5%, which is having a detrimental effect on property development and flipping. Watch full video here - https://youtu.be/O38dvXPp22k Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. #johnlewisproperty #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord
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    37 mins
  • Where To Invest
    Apr 24 2026
    Do THIS and Become a Millionaire: The Simple Habit That Changes Everything What if becoming a millionaire wasn’t about luck, high income, or risky bets—but consistency? On the Money Tips Podcast, I break down a simple but powerful strategy: save 20% of your income and invest it into a low-cost index or global tracker fund, such as those following the S&P 500. Watch full video - https://youtu.be/20Ixol8Ppgw Global stock markets may be at an all-time high and due for a correction with the world in turmoil, but that doesn’t matter if you rigorously stick to this plan. This approach is backed by decades of market performance. By consistently investing and reinvesting returns, you harness the power of compound growth. Over time, even modest contributions can snowball into significant wealth. The real challenge isn’t the math—it’s behaviour. You must delay gratification, avoid lifestyle inflation, and stay disciplined. That means resisting consumer debt for big TV’s and expensive cars, cutting unnecessary spending, and sticking to your plan month after month, year after year. I first heard a powerful example from Tony Robbins: a man on a below-average income who saved and invested 20% consistently for over 40 years. The result? A fund worth around $70 million. Not because he earned more—but because he stayed committed. This strategy is simple, but not easy. It requires patience, discipline, and long-term thinking. The earlier you start, the more time compounding has to work in your favour. Always remember: this content is for educational purposes only. You should seek independent financial advice before making any investment decisions, as I am not your financial advisor. Your results may vary. Start today. Stay consistent. Your future self will thank you. 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 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. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies. Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #goldandsilver #SandP500, #trackerfunds #vanguardindexfund #tonyrobbins
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    14 mins
  • Pensions Stocks Oil
    Apr 10 2026
    His Pension LOST £20,000 Since The Start of Iran War Ex-Teacher’s SIPP lost 15%! Learn how to protect your pension and investments from a stock market crash. Watch video version - https://youtu.be/fc3NXqqWgAw 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 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. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies. Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #Trump #oilprices #goldandsilver
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    21 mins