Money Tips Podcast
Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy and property business. Money Tips will help you save, make and accumulate more money whether you are a business owner, entrepreneur, employee or still searching for your vocation. For more tips and information visit Mondeytipsdaily.com. The Information given in this podcast is for your entertainment and should not be construed as financial advice. As always, take independent financial adv...
Property COLLAPSE in the UK and the Fall of Flats!
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 Avo...
Smoking Could Cost You £2 million Over Your Lifetime
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
...Gold, Silver and UK Residential Property Price Drop
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...
Property Falls
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...
Renters Rights Act In Force Today – 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 -
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 ten...
John Lewis Pulls Out Of Residential Property Market
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...
Where To Invest
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 does...
Pensions Stocks Oil
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...
Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!
Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed business owners and landlords who own residential property in their personal name. If you currently submit a Self-Assessment tax return once a year, these new rules will change how and when you report income to HM Revenue & Customs (HMRC).
Starting 6 April 2026, under the new Making Tax Digital for Income Tax (MTD for IT) rules, millions of UK taxpayers must keep digital records and submit quarterly updates using approved accounting software apps listed on the...
Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War
Watch video - https://youtu.be/mIMuSm7JoLg
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 8.00PM.
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 wi...
Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release
Home Equity Release Mortgages Explained
If you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage.
Watch full video: https://youtu.be/eNmhqQmthNw
In this Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explains that a lifetime mortgage allows you to borrow money secured against your home while retaining ownership. Unlike a traditional mortgage, you don’t have to make monthly repayments unless you choose to. Instead, the interest typically “rolls up” and is added to t...
Why Silver Could Explode in 2025/6!
Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver
The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold.
Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7
This imbalance often creates opportunities. When the ratio is this high, savvy investors see it a...
New Tax Rise For Landlords Announced In Budget
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’.
Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION.
Watch full video here - htt...
House Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!
Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%!
Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank.
The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the bud...
New Tax Rise For Landlords Announced In Budget
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’.
Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION.
Watch full video here - htt...
Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025
What to Expect in the November UK Budget — And 5 Tax Hikes Rachel Reeves Might Impose to fill her ‘BLACK HOLE’
As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters) Despite Labour’s manifesto pledges not to increase income tax, National Insurance (NI), or VAT, Reeves has already hinted that taxes on the wealthy will “be part of the story.” (The Guardian) The Institute for Fiscal Studies warns against a “dash for revenue,” urging her to use smart, targeted...
RENTERS' RIGHTS BILL IS NOW LAW – 5 Things Landlords Can Do to Survive the Renters' Rights ACT
The long-debated Renters’ Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault’ evictions, and introduces stricter rules on property standards and rent increases.
Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.
Watch full video - https...
Why Silver Could Explode in 2025/6!
Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver
The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold.
This imbalance often creates opportunities. When the ratio is this high, savvy investors see it as a buy signal for silver, expecting the gap to close over time...
Stamp Duty to Be Scrapped? What the Conservatives’ Promise Means for UK Homebuyers
The Conservative Party leader Kemi Badenoch surprised her part conference by announcing a bold pledge: to abolish Stamp Duty on residential property purchases.
For decades, Stamp Duty has been one of the biggest frustrations for buyers in the UK housing market. Whether you’re a first-time buyer scraping together a deposit, or a property investor looking to expand, Stamp Duty has always added thousands to the cost of moving.
Watch video - https://youtu.be/HkatdJ4Cryo
The Conservatives argue that scrapping it will:
Make housing more affordable for families
...
Why Businesses Fail - Interview With Investor And Finance Expert Matteo Turi
Matteo Turi is a finance leader, investor, and board advisor who has spent nearly two decades working with businesses at pivotal moments of growth. A former CFO across biotech, SaaS, and renewable energy, he now brings the perspective of an M&A investor, currently overseeing $480M in acquisitions. Having sat on both sides of the table — scaling ventures as an operator and evaluating deals as a buyer — Matteo helps founders understand what makes a business truly attractive to investors.
Watch video - https://youtu.be/YLg51IeHLvI
In 2017, he created the Global Growth Blueprint to addr...
Housing Minister Angela Rayner Admits Avoiding £40,000 Stamp Duty Tax On Her Third Home
Tax dodging Labour Housing Minister and deputy Prime Minister forced to resign after being found guilty of misconduct under the ministerial code by the Ethics Watchdog.
Why are mortgage rates rising despite falling base rates.
China, India and Russia’s show of strength defying Trumps sanctions and the dominance of the Dollar.
See also:
Labour’s Coming for Your House? Rachel Reeves’ Shocking Tax Plan!
https://youtu.be/h8zYPlicIAU
Is this the right time to buy?
Watch full video: https://youtu.be/72J6Bo0sG2Q<...
Labour’s Coming for Your House? Rachel Reeves’ Shocking Tax Plan!
Now they want your main residence and wealth – what Rachel Reeves’ latest tax proposals mean for YOU…
Labour’s Chancellor, Rachel Reeves, has sparked controversy with proposals that could hit UK homeowners and investors hard.
She’s considering a new wealth tax and extending Capital Gains Tax (CGT) to residential homes, something that has never been done before for main residences. On top of that, she’s looking to reform Stamp Duty and replace it with wealth and CGT on main residences.
Having f@cked the economy, the government’s finances are in a mess, with t...
House Prices Falling Say Rightmove As Economy Slows and Inflation Rises
UK house prices fell again last month, as the property website Rightmove reports a summer drop of £10,000.
Watch video - https://youtu.be/v4Er9PW8ns4
What is your biggest money worry?
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 r...
Homelessness Minister Resigns After Her Own Tenant Eviction Backfires
You couldn’t make it up!
Former homelessness Minister Rushanara Ali, MP, had to resign from her government job last week after it was revealed that she had evicted her tenants claiming that she was selling the property, but later listed it for rent at £700 per month more, a rental hike of 20%!
In other words, she did the very thing her own Labour government will ban under the Tenant’s Rights Bill.
She has not apologised, only stated that she had not broken any laws. Whilst she is factually correct under the current rules...
Millionaires Are Leaving The UK
UK House Prices Biggest July Fall In 20 Years
London sees the biggest drop as average property prices suffer highest July fall in 20 years.
UK economy slides
Unemployment rises
Inflation rises
Watch full video: https://youtu.be/UjzOv8cOf1M
See also:
Should You Buy Property In The UK Right Now?
Property has long been the go-to for British investors and residential home owners. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the...
Should You Buy Property In The UK Right Now?
In today’s Money Tips Podcast, we’re diving into one of the most common questions:
Property has long been the go-to for British investors and residential home owners. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the game.
Is this the right time to buy?
Watch full video: https://youtu.be/72J6Bo0sG2Q
See also:
Property or Stocks – Which Is The Best Investment For You?
...
Buy-to-Let Propery vs Stock Market: What’s Really Better in the UK?
Property or Stocks – Which Is The Best Investment For You?
In today’s Money Tips Podcast, we’re diving into one of the most common questions UK investors ask:
“Should I invest in property or the stock market?”
Both have made millionaires — but which one is right for you?
🏠 Property has long been the go-to for British investors. With strong demand, rising rents, and the power of leverage, buy-to-let can deliver solid long-term returns. But rising interest rates, tougher mortgage rules, and new landlord regulations are changing the game.
Learn more abou...
More 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
#tax #section24 #landlordtax #higherratetax #millionairesleaveuk
Israel-Iran War & Trump Bombing Raid: What It Means for Your Money 💥💰
Tensions in the Middle East have reached a critical point. The recent escalation between Israel and Iran, combined with a surprise U.S. bombing raid reportedly ordered by former President Donald Trump, has sent shockwaves through global markets. In this episode, we break down what this means for your money, investments, and the global economy.
Watch video version - https://youtu.be/-0se6ml0Iyc
Whenever conflict erupts in the Middle East, one of the first indicators to spike is oil prices—and this time is no different. This rise affects everything from transportation co...
Silver Soars To 14 Year High As Central Banks Stockpile Gold
In this week’s Money Tips Podcast:
Silver reaches 14 year high amid global economic slowdown, wars and Trump tariffs.
Silver to Gold ratio narrows as nations like Turkey, China and India hoard more Gold.
Gold overtakes the Euro as preferred reserve currency.
Should you hold gold and silver as part of your portfolio? To learn more Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv
World Bank forecast lowest growth rate for the decade since 1960s.
Rachel Reeves on massive spending spree, while business con...
Smart Money Is Moving East – Is the UK Finished?
The Global Power Shift has begun – The East Has a plan has UK lost the plot?
As the West fumbles with political chaos, rising debt, and short-term thinking, the East powers ahead with vision and purpose. Countries like China, Malaysia, and the UAE are investing in infrastructure, education, and long-term strategy—while the UK seems stuck in a loop of tax hikes, red tape, and broken systems.
In this episode, I explore how global power is shifting fast—and why investors, entrepreneurs, and even families are looking East for opportunities, stability, and growth. What can you do...
Forget Spain and Portugal – Malaysia is the Best Place to Live and 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…
Watch video on YouTube - https://youtu.be/se1oFAKTNng?si=GVyI-CLWTVlu6uyf
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.
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 -
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...
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 m...
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 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 b...
Farage Slams HMOs: "Blaming Landlord for Housing Illegal Migrants and Wrecking Communities"
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—...
3 Simple 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...
US Stock Markets Fall 25% - Will Trump Crash the Stock Market?
Donald Trump’s return to the spotlight and renewed talk of tariffs and trade wars has investors wondering: Will this trigger a stock market crash in 2025? As Trump vows to impose tougher tariffs on China and other countries, fears of rising inflation, global trade tensions, and supply chain disruptions are resurfacing.
Historically, Trump’s tariff policies had mixed effects. Some U.S. industries benefited, but overall market volatility increased. The stock market reacted to trade war headlines with sharp dips and recoveries. If a new Trump trade war begins, sectors like tech, automotive, and manufacturing could feel the p...
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 in the White House Rose Garden. 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.
