Money Tips Podcast – Details, episodes & analysis

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 confidence and jobs plummet. Where is she going to get the money from? Taxpayers and businesses, us! UK economy declined in April, as growth stagnates. Job vacancies and recruitment falling, as higher taxes drive business away.  See Smart Money Is Moving East – Is the UK Finished? - https://youtu.be/_5jK8oHuj8o What can you do to secure your financial future in this changing world?  Could Japan’s debt crisis cause a worldwide recession? The more money I made the less I had. Al Pacino, legendary Hollywood actor Despite earning millions from hit movies such as The Godfather trilogy, Scarface and The Scent of a Woman, Al Pacino was almost broke TWICE at the height of his fame and fortune. Living “high on the hog”, spending $3-400,000 per MONTH! Flying private jets and renting a huge house in Beverley Hills for 20 years! He once flew his family and nannies on a private Gulfstream 500 to London and took an entire floor at the Dorchester. He left his finances in the hands of a crooked accountant to the celebrities, who was later sentenced to seven years in jail for running a Ponzi scheme. Pacino loved acting but admits that he was not paying attention to his finances and failed to invest. In his book, Sonny Boy, he said, “I would give money away because I had it” and “it didn’t feel real, but it was, as I later found out”. “The amount of money I was spending was so f****** crazy, a montage of loss” the Godfather star added.  Pacino said when you make $10 million dollars for a movie you don’t get $10 million dollars. After lawyers, agents and the government take their share you end up with around $4 million. His living expenses alone were at least that amount before he put his own cash into arthouse films which made no money and in many cases were not even distributed.  Things were out of control as his staff and expenses expanded. He owned two cars, but was paying for sixteen, along with multiple cell phones, salaries and a $400,000 a year for a landscaper on a house he didn’t even own! The list goes on and the star wasn’t even signing his own cheques and his money was draining out faster than a leaking pipe. Hangers on took advantage of Pacino’s generosity as his staff and expenses eventually grew beyond his means.  He said, the more money he made the less he had! What can we learn from Pacino’s mistakes? You don’t have to be a movie star to experience the same issues. Managing your money is important whether you’re making $100,000 a year or $100 million! Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv  What can you do? As Warren Buffett said, financial education is the key to building wealth. It’s the stuff they don’t teach you in school.  Learn how to build and protect wealth. Learn how to manage your money. Learn how to invest in assets rather than losing money by lending it to the banks.  Learn about the invisible taxes like inflation which is eating up your savings.  Learn about Gold and Silver, the only real money. Property Stocks and Shares I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv #GlobalPowerShift, #UKEconomy #BritainInDecline, #MoneyTipsPodcast, #SmartInvesting2025 #gold #silver #goldsilverratio #japandebtcrisis #globalrecession

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 to secure your financial future in this changing world? Has Britain lost the plot? Let’s find out. Watch full video at Charles Kelly Money Tips Podcast - https://youtu.be/_5jK8oHuj8o China’s multi-billion dollar ‘Belt and Road Initiative’ project is linking three quarters of the world’s countries - 150 nations through Road and Maritime former silk routes.  Linking countries like Malaysia, Thailand, Cambodia, Laos, Pakistan, Uzbekistan, Kazakhstan and more.  They are building it, not talking about it for 30 years like we do in the UK. Successive governments have been debating expanding London’s Heathrow Airport by one runway since the Beatles were together.  Take That and Taylor Swift were not even born!  Rail links across Laos and Cambodia to China allow farmers to deliver produce to the vast Chinese market in 6 days. Trade has exploded in SE Asia from car manufacturing, industry to education and agriculture. What can you do to secure your financial future in this changing world?  Check out my SMART MONEY COURSE - https://bit.ly/4klq0mv  As China expands its influence, where do you think countries in Southeast Asia and the Middle East will look to for its future? America or China?  Who do they see as their friend when China is building trading links while America is ‘weaponizing’ the dollar and telling them what to do? Why are more countries applying to join BRICS? Chinese overtook the US as Africa’s largest trading partner in 2009. The West (Europe and America) has been asleep at the wheel for decades.  UK previously had strong links with African nations, (many of whom were given Independence after the Second World War as the empire declined), through the commonwealth. But with all due respect to the Royal Family, wheeling out the Queen to wave at the crowds every few years is not enough.  China is running rings around the west.  Unlike western democracies who can only plan as far as the next election, China has a long term vision and strategy.  Look what’s happening in the Middle East in countries like Dubai, Qatar and Saudi which are all embarking on massive multibillion-dollar projects to reinvest their oil wealth for their future. They also attracting the brightest and the best entrepreneurs, engineers, scientists and IT people, while the UK is taxing them out of existence.  New World Order?  What do you think? China and many other Southeast Asian countries have a plan. The Middle East has a plan. What is the UK’s plan? Tax and spend our money! Tax and spend our savings! Tax and spend our pensions! (Rachel Reeves is doing a Gordon Brown tax raid on pensions.  He bankrupted Britain). Tax business and landlords Tax jobs and employment Tax motorists Tax parents who send their children to private schools! The government is coming after YOUR money! They have already borrowed billions and can’t afford to fund their fantasy schemes.  Where is the big thinking and long term vision? Where is the growth, green energy? Really? While they lurch from one crisis to the next, smart people, educated professionals, businesses and entrepreneurs are leaving the UK to go where they are appreciated. Have any of the top ministers ever run a large business? I wouldn’t trust them with a market stall? What can you do? As Warren Buffett said, financial education is the key to building wealth. It’s the stuff they don’t teach you in school.  Learn how to build and protect wealth. Learn how to manage your money. Learn how to invest in assets rather than losing money by lending it to the banks.  Learn about the invisible taxes like inflation which is eating up your savings.  Learn about Gold and Silver, the only real money. Property Stocks and Shares I teach this and much more in my SMART MONEY COURSE – check out the link below: Join my SMART MONEY COURSE - - https://bit.ly/4klq0mv #GlobalPowerShift, #UKEconomy, #RiseOfTheEast, #ChinaStrategy, #MalaysiaMM2H, #InvestInAsia,  #BritainInDecline, #Geopolitics2025, #EastVsWest, #EmergingMarkets, #EconomicShift, #MoneyTipsPodcast, #SmartInvesting2025

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. 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. 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. 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. 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. 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. 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

The UK rental market is set to undergo a significant transformation with the recent publication of the Renters Reform Bill. This proposed legislation aims to strengthen the rights of tenants while limiting the power wielded by landlords. With the increasing demand for affordable and secure housing, the bill seeks to create a fairer and more balanced rental sector.  Let's summarise some of the key provisions outlined in the bill that will impact both tenants and landlords: Section 21 ‘no fault’ evictions to be abolished. The end of section 21 “no fault” evictions, meaning a landlord will only be ‘allowed’ to evict a tenant if they have a “reason”, e.g. antisocial behaviour, unpaid rent, or a need to sell the property A new ombudsman to resolve disputes between tenants and landlords A new property portal that landlords MUST register with, allowing tenants to view information about their landlord before signing a tenancy agreement Tenants to be given the legal right to request a pet, such as a dog or cat, in “their” home A new Decent Homes Standard that will set minimum standards for the quality of housing Blanket ban on benefit tenants to be abolished. Will be illegal for landlords and agents to have blanket bans on renting to tenants in receipt of state benefits.  The Bill will become law after passing through the commons and House of Lords where it will be debated and scrutinised by MP’s and Lords. The opposition Labour Party largely support the tougher legislation and the also government has majority in parliament. See also:  Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up  Misery For Mortgage Holders As UK Interest Rates Rise AGAIN - https://youtu.be/BNe5eV37iiM What is your biggest money worry? 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 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 #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth

This week the price of gold reached an all time high of $2081, amid US bank failures and quarter percent interest rate hikes from the Federal Reserve and ECB. Join me online on my free live money management training. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Investors sought safety as another US bank faces collapse following the rescues of First Republic Bank by JP Morgan. Shares in California-based PacWest bank tumbled by 50% and Western Alliance also plunged by almost 40%, as depositors lost confidence.  Watch video version - https://youtu.be/Glb75nkR0rw Shares in several US regional banks have plummeted causing the collapse of Silicon Valley Bank, while the regulators appeared to limit support to the major banks. This has caused a mass transfer of depositor funds to the safety of a big banks putting the whole regional bank system at risk. The Bank of England is expected to follow the Fed and ECB and raise UK base rates this month pouring more misery on borrower and driving the economy into official recession. See: Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s Is gold a safe investment? Will property prices fall? 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 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 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth #blackstone

Bank of England follow Fed and ECB with twelfth successive interest rate rise by 0.25% to 4.5%. Mortgage rates are of much higher than the base rate with some borrowers seeing their payments double after their fixed-rate deals have expired. Average inflation recently jumped back over 10%, but mortgage costs, rent, food and energy costs have risen by far more. The Banks’ governor Andrew Bailey expects inflation to start going down this year as wholesale energy costs filter through to consumers. Will property prices keep falling? Should you get out of stocks? Official inflation rate stands at 10.1% - five times the target rate. Food inflation is 19% according to official figures. Watch full video - https://youtu.be/BNe5eV37iiM See also:  Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up  What is your biggest money worry? 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 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 #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth   #bankofengland #inflation #money #FED #ECB 

This week the price of gold reached an all time high of $2081, amid US bank failures and quarter percent interest rate hikes from the Federal Reserve and ECB. Join me online on my free live money management training. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Investors sought safety as another US bank faces collapse following the rescues of First Republic Bank by JP Morgan. Shares in California-based PacWest bank tumbled by 50% and Western Alliance also plunged by almost 40%, as depositors lost confidence.  Shares in several US regional banks have plummeted causing the collapse of Silicon Valley Bank, while the regulators appeared to limit support to the major banks. This has caused a mass transfer of depositor funds to the safety of a big banks putting the whole regional bank system at risk. The Bank of England is expected to follow the Fed and ECB and raise UK base rates this month pouring more misery on borrower and driving the economy into official recession. See: Interest Rates Will Rise, Property Prices Will Fall And Opportunities Will Open Up - https://www.youtube.com/watch?v=ziTf2jOagB8&t=179s Is gold a safe investment? Will property prices fall? What is your biggest money worry? Watch video version https://youtu.be/ziTf2jOagB8 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 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth #blackstone #bankofengland #fed #money #gold #goldprice 

The Bank of England (BoE) and Federal Reserve have hinted that further rate rises are on the cards in order to tame rising inflation. Join me online on my free live money management training. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Today’s Podcast Summary Wholesale market rates point to a rate rise.  Inflation in the UK is currently 10.1%. The BoE inflation target rate is 2%! What do you think the BoE are going to do? This will officially put the economy into recession, cause property prices to fall and more homeowners lose their houses through repossession. Do they care? RICS report predicts a fall in property prices of around 5%. Opportunities for first time buyers and property investors as prices fall. Blackstone have just raised $30 billion to buy property. What is your biggest money worry? Watch video version https://youtu.be/ziTf2jOagB8 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 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth #blackstone #bankofengland #fed #rich #money

The Institute for Fiscal Studies (IFS) is planning a comprehensive pensions review following research which highlighted concerns about the "substantial risks" facing future generations of pensioners.  Watch video - https://youtu.be/_7_cd2UWUEg Summary The Institute for Fiscal Studies (IFS) has announced plans for a comprehensive pensions review. The multi-year review will examine the effects of changing economic conditions and public policies on the future of financial security in retirement, including how these effects differ by gender, ethnicity and across the UK. The review will also consider the impact of changing demographics and longevity trends, as well as the impact on self-employed workers. Reports will be shared over the next two years, with concrete recommendations and options for reform to be presented in Summer 2025. IFS research revealed that 60% of middle-earning private sector employees who are contributing to a pension are saving less than 8% of their earnings. Additionally, nearly 90% are saving less than the 15% of earnings previously recommended by Lord Turner’s Pensions Commission. The review will also consider the risk facing future generations of pensioners and the risk that too many are saving too little for retirement. The Pensions Regulator welcomed the plans for the review and will support the development of industry-led solutions to help ensure people have financial security in retirement. Here are seven ways to retire financially free: Start Saving Early: The earlier you start saving for retirement, the more time your money has to grow. You can use tax-advantaged retirement accounts/plans to maximize your savings potential. Live Below Your Means: Live a modest lifestyle and avoid overspending on unnecessary items. Create a budget and stick to it, and consider downsizing or relocating to a lower cost of living area. Invest Wisely: Invest your money wisely in a diversified portfolio of stocks, bonds, and other assets. Consider consulting with a financial advisor to help you create an investment strategy that aligns with your risk tolerance and goals. Maximize Your Income: Consider ways to increase your income, such as taking on a side job or starting a small business. Maximize your earning potential by developing new skills, pursuing advanced education, or seeking a higher-paying job. Pay Off Debt: Avoid carrying high-interest debt, such as credit card debt, into retirement. Pay off your debts as soon as possible to reduce your financial obligations and free up money for savings. Plan for Healthcare Costs: Healthcare costs can be a significant expense in retirement. Consider purchasing long-term care insurance or a supplemental health insurance policy to help cover these costs. Have a Retirement Plan: Develop a retirement plan that takes into account your goals, income, and savings. Monitor your plan regularly and make adjustments as needed to ensure that you stay on track to meet your retirement goals.   Millions of people have lost faith in the complex and muddled pensions system, preferring to do their own thing by investing in things like buy-to-let property, business or trading directly on the stock market. Whilst this can work for some, ignoring the many benefits of pension investing, such as tax relief, carries risk. Need help with your 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 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers  #housepricefall #finance #moneytraining #moneymanagement #wealth #money #buytolet #rentalproperty #pensions #IFSpensionreview #maxwell #definedcontributionpension

Residential rents in the capital soar by almost 20% as workers return to the city.     London Mayor Khan wants the government to give him powers to impose a cap on rents, but is that the answer or will more regulation exacerbate the shortage of available rental properties?   Tens of thousands of landlords are quitting the market and estate agents Knight Frank estimated that 144,000 landlords have retired in the last year.    See 85,000 UK Landlords have quit the rental market - https://youtu.be/NME3nEu8dAQ  Furthermore, higher interest rates and mortgage restrictions have rendered many buy-to-let property deals unviable.    Buy-to-let landlords have had to contend with higher taxes, and more red tape in the last few years, prompting many to look for alternative business opportunities.    There are signs that the government may be getting the message.   According to as yet unsubstantiated rumours, the government may be pushing back its planned introduction of tighter EPC requirements.    However, the abolition of Sec 21 no fault evictions looks like it is going ahead, despite the fact that there is no workable replacement.     With a pending recession and higher interest rates, house prices have slumped by more than 4% from that peak, according to March's figures from the Nationwide Building Society. Prices have fallen for five consecutive months as the Bank of England struggles to control inflation. Does this mean there will be a 2008-style crash? Much depends on government moves to balance the economy, as no Prime Minister wants to face a general election during a property crash. If you would like to know more about property, money, management and wealth building tips, I’m running a free webinar this week on Wednesday evening at 8 pm.    Need help with your money, finances or debt? 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 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers  #housepricefall #finance #moneytraining #moneymanagement #wealth #money #EPC #buytolet #rentalproperty #Section21