Money Tips Podcast Podcast Por Charles Kelly arte de portada

Money Tips Podcast

Money Tips Podcast

De: Charles Kelly
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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 advice before making any investment decisions.2025 Charles Kelly Economía Exito Profesional Finanzas Personales Política y Gobierno
Episodios
  • Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release

    Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release
    Feb 20 2026
    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 the loan. The balance is repaid when you die or move into long-term care, usually from the sale of the property. There are several types or variations of lifetime mortgages: 1. Roll-up Lifetime Mortgage – The most common option. No monthly payments are required; interest compounds over time, which can significantly increase the mortgage debt. 2. Interest-Paying Lifetime Mortgage – You pay some or all of the monthly interest to reduce the final balance. Early repayment penalties typically apply during the first seven years. 3. Drawdown Lifetime Mortgage – You release funds in stages, meaning you only pay interest on the money actually withdrawn. Another option is a Retirement Interest-Only (RIO) mortgage. With a RIO, you pay the interest each month, but the capital is repaid when the property is sold after death or entry into care. Because you’re servicing the interest, the debt does not grow. However, you must prove affordability, unlike most lifetime mortgages. There are a small number of lenders who will grant a fixed term Interest Only mortgage, subject to affordability. With an Interest Only mortgage or a RIO, your home may be repossessed if you do not keep up repayments. Equity release can provide tax-free cash for supplementing retirement income, home improvements, or helping family. But it will reduce the value of your estate and may affect means-tested benefits. Always seek independent financial advice and choose lenders approved by the Equity Release Council, which offers protections such as the “no negative equity guarantee.” Used wisely, equity release can be a powerful retirement and inheritance tax planning tool — but it must be understood properly first. If you are interested in exploring Equity Release, contact Darren Cohen at Right Homes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email charles@charleskelly.net. #EquityRelease #LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance #MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages
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    28 m
  • Why Silver Could Explode in 2025/6!

    Why Silver Could Explode in 2025/6!
    Jan 23 2026
    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 as a buy signal for silver, expecting the gap to close over time — either through silver rising in price, gold falling, or both adjusting. Silver also has strong industrial demand — it’s used in solar panels, electric vehicles, electronics, and medical tech — all sectors expected to expand in the coming decade. Combine that with limited new mine supply and rising investment interest, and silver looks like a compelling long-term play. While gold remains the ultimate safe-haven asset, silver offers more upside potential during economic recoveries or inflationary periods. If you’ve been considering diversifying into precious metals, now could be the perfect time to accumulate silver while it remains cheap relative to gold. Always consult your financial adviser before making investment decisions. 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 Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals #SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection #MoneyTipsPodcast #CharlesKelly
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    17 m
  • New Tax Rise For Landlords Announced In Budget

    New Tax Rise For Landlords Announced In Budget
    Jan 16 2026
    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 - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs 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. 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 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 #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement
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    43 m
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