Immigration Matters

How Will the New Labour Government Transform the UK Housing Market?

2024-07-05T11:56:00.000-07:00

How Will the New Labour Government Transform the UK Housing Market?

What will this mean for Landlords and Tenants?

The election of a new Labour government, and Prime Minister Sir Kier Starmer, brings a wave of anticipation and uncertainty, particularly regarding the UK housing market and the buy-to-let property sector. As Labour's policies start to unfold, both landlords and tenants are keen to understand the potential impacts.

Watch video version @charleskellymoneytips https://youtu.be/00ha4KkiCAw

Labour's Housing Policies

Labour has long championed affordable housing and tenant rights. Their manifesto includes ambitious plans to build 1.5 million new homes over the current parliament, introduce rent controls, and increase ‘protections’ for tenants. This could significantly shift the landscape for both homeowners and the buy-to-let market.

The Renters Reform Bill will be resurrected and will almost certainly include an end to Section 21 ‘no fault’ evictions and more ‘secure’ tenancies.

Impact on the Housing Market

1. Increased Housing Supply: Labour's pledge to build more homes aims to address the chronic housing shortage. This could stabilize or even reduce house prices, making it easier for first-time buyers to enter the market.

2. Affordability: By increasing housing supply, Labour hopes to make homes more affordable. This is particularly beneficial for young people and families currently priced out of the market.

Effects on the Buy-to-Let Market

1. Rent Controls: One of the most talked-about Labour policies is the introduction of rent controls. While this aims to protect tenants from excessive rent hikes, landlords might see a cap on their rental income, potentially reducing the profitability of buy-to-let investments.

2. Tenant Protections: Enhanced tenant protections could include longer tenancies and restrictions on eviction procedures. This provides tenants with greater security but might limit landlords' flexibility in managing their properties and will be a challenge to small landlords.

3. Tax Changes: Labour has suggested revisiting tax reliefs available to landlords. Possible reductions in tax incentives could discourage new buy-to-let investments and prompt some landlords to sell their properties.

What This Means for Landlords

Landlords might face increased regulation and potentially lower returns on their investments. It is crucial for landlords to stay informed about new policies and consider strategies to adapt, such as focusing on property quality and location to attract long-term tenants.

What This Means for Tenants

Tenants are likely to benefit from increased protections and potentially lower rents. Labour's policies aim to create a fairer rental market, offering tenants more stability and affordability.

Immigration

The new Prime Minister has promised to deal with the “small boats” illegal immigration, as well the “processing” the huge backlog of asylum cases. He refused to say what he means by “processing” applications, but it will probably involve some kind of an amnesty or “legacy” scheme as implemented by the Blair government.

In practice, hundreds of thousands of migrants will be granted leave to remain whether or not the arrived in the UK legally. This means asylum seekers will be able to work and could see an end to temporary housing and hotel accommodation.

Conclusion

Prime Minister Sir Kier Starmer’s Labour government’s policies are set to bring significant changes to the UK housing market and the buy-to-let sector. While tenants stand to gain from greater protections and affordability, landlords may need to navigate tighter regulations and potentially lower profits. Staying informed and adaptable will be key for all parties involved.

Understanding these potential changes is crucial for navigating the evolving landscape of the UK housing market. Stay tuned for more insights and expert advice on how to manage your property investments under the new Labour government.

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.

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Canada To Impose A 2 Year Cap On International Students To Curb Housing Shortage

2024-02-17T12:27:00.000-08:00

Canada is taking action to address housing and healthcare pressures by capping foreign student admissions for the next two years. This move aims to ensure system integrity and quality education for future students. Here's what you need to know:

· 35% Decrease in Approved Study Permits: The cap will lead to a significant reduction in approved study permits, impacting the influx of foreign students into Canada.

· Growing International Student Population: In 2022, Canada hosted over 800,000 foreign students, up from 214,000 a decade ago. These measures aim to manage this growth while maintaining educational standards.

· Allocation Across Provinces: Each province will receive a portion of the approved permits based on population and current student intake. Provinces will then decide how to distribute them among their universities and colleges.

· Impact on Undergraduate Programs: The cap applies only to students at the diploma or undergraduate level and will not affect permit renewals.

· Changes to Work Permits: Starting in September, work permits will no longer be granted to students graduating from colleges operating under a public-private partnership model, primarily found in Ontario.

· Addressing Housing Affordability: The announcement coincides with pressure on the government to tackle housing affordability issues, with rising home prices and rent posing challenges for Canadians.

· Long-Term Housing Needs: Canada faces a housing shortage, with estimates suggesting a need for 3.5 million more units by 2030. Population growth and other factors contribute to this demand.

· Impact on Immigration Policy: The cap marks a significant policy shift for Canada, known for its open immigration policy. It reflects efforts to balance immigration with housing and workforce needs.

If you are a dedicated nursing professional with at least two years of experience in the Philippines, this program is tailored to help you realize your dream of nursing in Canada. Don't miss this chance to embark on a fulfilling career path. For more information and to express your interest, please contact Charles Kelly via email at info@ukuniversityservices.com.

While these measures aim to address pressing challenges, concerns linger about the potential impact on universities and students. Stay tuned for updates as Canada navigates these changes in its immigration and education policies.

Despite the move from the government’s PBU (Business Prevention Unit), Canada remains a significant draw for international students seeking a secure route to settlement and Canadian citizenship.

Canada, like Australia, USA and UK, has a shortage of nurses, which they can only fill in the near future with international recruitment or postgraduate nursing students.

Live and Work in Canada - New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino, Asian and African Nurses Who Wish to Work as a Nurse and Gain Permanent Residence in Canada.

To help nursing professionals in the Philippines, as well as other Asian and African Countries, who are seeking opportunities in Canada, a prominent institution in Toronto, Canada has introduced an innovative program designed to bridge the gap. This new graduate nursing program is the solution many aspiring nurses have been waiting for.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

As the demand for Registered Nurses (RNs) continues to surge in both Canada and the United States, it has become increasingly challenging for nurses from abroad to meet the stringent prerequisites for practicing in these countries. This new initiative aims to empower Filipino and Vietnamese nurses by offering them a comprehensive route to achieving their Canadian nursing aspirations. Your nursing skills are highly transferable, and this program provides you with the opportunity to make the transition from nursing in the Philippines or Vietnam to becoming a certified nurse in Canada with the possibility of Permanent Residence (PR) status and a pathway to Canadian citizenship.

Earn While You Learn - A Unique Opportunity

One of the standout features of this program is that it allows you to earn while you learn. Enrolled students will receive a guaranteed 500 hours of paid work at an impressive rate of $40 CAD per hour. This equates to a substantial earnings potential of $20,000 Canadian Dollars while you study, providing a financial boost as you prepare for your nursing career in Canada.

Nursing Opportunities and Salaries in Canada

Canada is experiencing a nursing shortage, so salaries are competitive. Nursing in Canada offers an array of opportunities. Registered Nurses (RNs) can work in various settings, including hospitals, long-term care facilities, community health, mental health, and more. Nurse Practitioners (NPs) have advanced practice roles, including diagnosing, prescribing medications, and providing primary care. Specialized nurses, such as paediatric or critical care nurses, are in high demand as well.

In terms of salaries, nurses in Canada are well-compensated for their dedication. On average, a registered nurse in Canada can earn anywhere from $60,000 to $100,000 CAD annually, depending on factors such as location, experience, and specialization. The average RN in Canada earns $80,881 per year or $41.48 per hour, according to jobbank.gr.ca.

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Toronto, the dynamic capital city of Ontario, is a cosmopolitan metropolis with a population of 2.9 million. This thriving urban center offers an ideal backdrop for your academic and professional journey, ensuring an enriching and diverse experience throughout your studies.

Course Description - Your Pathway to Canadian Nursing

This program is specifically designed for graduate nurses with a minimum of 2 years of working experience in their home country, offering a clear route to Canadian nursing registration, successful completion of the NCLEX exam, and Permanent Residence in Canada. The comprehensive curriculum prepares students for the NCLEX examination and provides a thorough understanding of the Canadian nursing system.

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates:

- 12-month course - $16,500 CAD

- 18-month course - $21,599 CAD

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enrol Today!

https://ukuniversityservices.com

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Canada Announce Cap On International Student Visas

2024-01-24T18:49:00.000-08:00

Canada has introduced a surprise cap on student visas in an apparent U-turn on previous policies to welcome international students.

The Honourable Marc Miller, Minister of Immigration, Refugees and Citizenship announced this week that the Government of Canada will set an intake cap on international student permit applications - approximately 360,000 approved study permits, a decrease of 35% from 2023 - to “stabilize” new growth for a period of two years.

Study permit renewals will not be impacted and existing study permit holders will not be affected by the new cap.

The government said:

“In recent years, the integrity of the international student system has been threatened. Some institutions have significantly increased their intakes to drive revenues, and more students have been arriving in Canada without the proper supports they need to succeed.

“Rapid increases in the number of international students arriving in Canada also puts pressure on housing, health care and other services. As we work to better protect international students from bad actors and support sustainable population growth in Canada, the government is moving forward with measures to stabilize the number of international students in Canada.”

Individual provincial and territorial caps have been established, weighted by population, which will result in much more significant decreases in provinces where the international student population has seen the most unsustainable growth.

Master’s and doctoral degrees, and elementary and secondary education are not included in the cap.

IRCC will allocate a portion of the cap to each province and territory, who will then distribute the allocation among their designated learning institutions. To implement the cap, as of January 22, 2024, every study permit application submitted to IRCC will also require an attestation letter from a province or territory. Provinces and territories are expected to establish a process for issuing attestation letters to students by no later than March 31, 2024.

The new “temporary measures” are expected to run for two years, with the number of new study permit applications accepted in 2025 will be re-assessed at the end of this year.

In order to better align the Post-Graduation Work Permit Program, the government also published the following changes to the eligibility criteria:

Starting September 1, 2024, international students who begin a study program that is part of a curriculum licensing arrangement will no longer be eligible for a postgraduation work permit upon graduation. Under curriculum licensing agreements, students physically attend a private college that has been licensed to deliver the curriculum of an associated public college. These programs have seen significant growth in attracting international students in recent years, though they have less oversight than public colleges and they act as a loophole with regards to post-graduation work permit eligibility.
Graduates of master’s degree programs will soon be eligible to apply for a 3-year work permit. Under current criteria, the length of a postgraduation work permit is based solely on the length of an individual’s study program, hindering master’s graduates by limiting the amount of time they have to gain work experience and potentially transition to permanent residence.

Open work permits will only be available to spouses of international students in master’s and doctoral programs. Spouses of international students in other levels of study, including undergraduate and college programs, will no longer be eligible.

The government said the important measures announced “complement” other recent reforms to the International Student Program.

New cost-of-living requirement for international students coming to study in Canada

In December, the Immigration, the IRCC doubled the cost-of-living requirement for international students from CAD 10,000 to CAD 20,635. Inflation and financial challenges faced by many international students were blamed for the sudden move, with the government claiming the change aims to ensure students are better prepared for the actual cost of living in Canada.

The backlash against international students should be seen in the context of a housing crisis, an upcoming election for the Trudeau government and an ongoing diplomatic row between Canada and India.

There is still a shortage of nurses and healthcare workers in Canada, and many other western countries such as Australia, UK and the US, and student schemes help to alleviate the recruitment issues.

The Worldwide Health Organisation, World Economic Forum (WEF) and the UK’s Nursing and Midwifery Council (NMC) all report that there is a huge global shortage of nurses expected to reach 13 million by 2030, according to the WEF.

Reasons for the nursing staff shortage range from ‘burnout’ of western nurses to an aging population in countries like the US, UK, Japan and Canada.

According to the Canadian Nurses Association (CNA), there is a current shortage of nurses in Canada estimated at more than 50,000 and this shortage is expected to increase to 139,700 by 2026.

The CNA also reports that the nursing workforce in Canada is aging, with nearly one-third of nurses aged 55 or older.

As these nurses retire, the demand for nursing services will continue to grow. In addition, the aging population in Canada will also increase the demand for healthcare services.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates:

- 12-month course - $16,500 CAD

- 18-month course - $21,599 CAD

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enrol Today!

https://ukuniversityservices.com

Regards,

Charles Kelly

#nurse #jobopportunity #studentvisa #canadastudentvisa #nursing #NCLEX #WorkAboard #workcanada #permanentresidencecanada #candiancitizenship #workasanursecanada

UK Immigration Figures Soar to 745,000 Forcing Government to Cut Working and Student Visa Numbers in the “Biggest Ever Cut in Net Migration”

2023-12-05T05:57:00.000-08:00

UK Immigration Figures Soar to 745,000 Forcing Government to Cut Working and Student Visa Numbers in the “Biggest Ever Cut in Net Migration”

The British Home Secretary, James Cleverly has announced sweeping changes to the UK Immigration Rules in a bid to bring in the ‘biggest ever cut in net immigration’ which reached the ‘biggest ever’ 745,000 in 2022 – after 1.2 million came in to the country.

Working visas and student numbers will curbed, with new rules on minimum salaries and dependents to prevent what he described as ‘abuse’.

New immigration rules

Most migrants wanting to work in the UK will still have to apply for a visa through a points-based system (PBS).

Starting spring 2024, applicants will need to have a job offer with a revised higher salary in order to get a work visa.

The new minimum salary will be at least £38,700 - increased by nearly 50% from the current minimum £26,200.

Health and social care jobs will be exempt as there are still shortages of care workers I the UK.

However, overseas care workers will no longer be able to bring in family dependants.

The points system was introduced by the Labour government in 2008 – as part of a previous immigration overhaul - non-EU migrants. The system overhauled by the Conservatives after the Brexit vote.

The 2020 version of the PBS covers EU and non-EU migrants.

The UK has "shortage occupation list" to help employers fill certain job vacancies.

Shortage jobs have a lower salary requirement, so applicants to obtain the required number of points to get a working visa.

Shortage Occupation Jobs include:

· jobs in health and education

· care workers

· graphic designers

· construction workers

· vets

Employers are allowed to pay foreign workers 80% of the job's usual "going rate" to fill vacancies, which will be abolished from next spring.

Basic level international students will be prevented from bringing their dependents to the UK after figures reached 153,000 last year.

The UK will become a tougher places for students ad workers with higher NHS fees and minimum salaries above the national average. Meanwhile, other countries, such as Australia and Canada are welcoming students and workers with open arms with an easier route to permanent residence (PR) and citizenship than the UK.

Nursing in Canada watch full video - https://youtu.be/kMu8Znb6QDI

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates, with paid employment.

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enrol Today!

https://ukuniversityservices.com

#nurse #jobopportunity #studentvisa #canadastudentvisa #nursing #NCLEX #WorkAboard #workcanada #permanentresidencecanada #canadiancitizenship #workasanursecanada #nurseshortage #nursejobcanada #netmigration #ukworkpermit #ukstudentvisa #workingvisa #ukimmigrationrules

UK Net Migration Figures Soar to 750,000 Forcing Government to Cut Worki...

2023-12-04T04:35:00.000-08:00

UK Net Migration Figures Soar to 750,000 Forcing Government to Cut Working and Student Visa Numbers

The UK government will announce changes to the Immigration Rules in a bid to control soaring net migration, which reached 750,000 in 2022.

Working visas and student numbers are expected to be curbed, with new rules on minimum salaries and dependents.

Watch full video - https://youtu.be/kMu8Znb6QDI

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates, with paid employment.

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enrol Today!

https://ukuniversityservices.com

Global Health Emergency Due To Acute Shortage of Nurses In Western Countries Like Canada, But Also In Africa, India And The Philippines

2023-11-13T11:52:00.000-08:00

The Nursing Times goes even further claiming a shortage of 30 million nurses across the world, including in countries that provide nurses for international recruitment, leading to a global health emergency, according to the latest report from the International Council of Nurses.

The shortage of nurses across the world now extends to countries that provide nurses for international recruitment, such as India and The Philippines.

The latest ICN report reveals that countries that have a tradition of training nurses in order for them to emigrate to work in higher income countries, such as Australia, Canada, US and the UK, are experiencing their own nursing shortage.

The government in the Philippines has now acknowledged a shortage of up to 350,000 nurses, but thousands of nursing degree graduates end up working in call centres due to a lack of training and job opportunities, while private universities churn out hundreds of thousands more graduates each year.

Nurse recruitment from India and The Philippines accounted for 67% of all internationally trained staff that joined the NMC register in 2021-22.

Low pay and opportunities to migrate to the West continues to fuel a strong demand from Indian and Filipino nurses. Thousands are applying for nursing jobs or nurse conversion courses in Canada Australia, Middle East, UK and the US.

The report, Recover to Rebuild: Investing in the Nursing Workforce for Health System Effectiveness, lays out the devastating impact that the Covid-19 pandemic has had on nurses around the world.

“The worldwide shortage of nurses needs to be considered as a global health emergency"

Reasons for the nursing staff shortage range from ‘burnout’ of western nurses to an aging population in countries like the US, UK, Japan and Canada.

According to the Canadian Nurses Association (CNA), there is a current shortage of nurses in Canada estimated at more than 50,000 and this shortage is expected to increase to 139,700 by 2026.

The CNA also reports that the nursing workforce in Canada is aging, with nearly one-third of nurses aged 55 or older.

As these nurses retire, the demand for nursing services will continue to grow. In addition, the aging population in Canada will also increase the demand for healthcare services.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates:

- 12-month course - $16,500 CAD

- 18-month course - $21,500 CAD

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enroll Today!

https://ukuniversityservices.com

#nurse #jobopportunity #studentvisa #canadastudentvisa #nursing #NCLEX #WorkAboard #workcanada #permanentresidencecanada #canadiancitizenship #workasanursecanada #nurseshortage #nursejobcanada

HOW TO BECOME A NURSE IN CANADA (step-by-step process)

2023-10-31T02:30:00.002-07:00

BECOMING A NURSE IN CANADA (step-by-step process)

Initial Assessment Get your qualifications, experience and licensing assessed by National Nursing Assessment Service (NNAS).
English Language Proficiency You must prove your English proficiency by completing an approved proficiency test, such as IELTS or CELBAN.
Registration with the College of Nurses of Ontario (CNO) You must apply for nursing registration with CNO.
Competency Assessment A competency assessment is needed to ensure you have the knowledge, skills, and judgment required to practice safely and effectively.
Depending on the assessment results, additional training may be required for registration. Registration Exam.
You must successfully complete the registration examination approved by CNO for the type of nursing (RN or RPN) you want to practise.
Jurisprudence Exam The exam is designed to ensure that nurses understand their legal and ethical obligations and are able to apply this knowledge to their practice.

New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino, Asian and African Nurses

In an effort to address the challenges faced by nursing professionals in the Philippines, as well as other Asian and African Countries, seeking opportunities in Canada, a prominent institution in Toronto, Canada has introduced an innovative program designed to bridge the gap. This new graduate nursing program is the solution many aspiring nurses have been waiting for.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates:

- 12-month course - $16,500 CAD

- 18-month course - $21,500 CAD

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enroll Today!

https://ukuniversityservices.com

Exciting New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino, Asian and African Nurses

2023-10-29T01:50:00.012-07:00

Exciting New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino Nurses

In an effort to address the challenges faced by nursing professionals in the Philippines and other asian and African coutries seeking opportunities in Canada, a prominent institution in Toronto, Canada has introduced an innovative program designed to bridge the gap. This new graduate nursing program is the solution many aspiring nurses have been waiting for.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme

Earn While You Learn - A Unique Opportunity

Nursing Opportunities and Salaries in Canada

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles.

The Vibrant City of Toronto, Ontario

Course Description - Your Pathway to Canadian Nursing

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency.

Invest in Your Future with Competitive Fees

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates:

- 12-month course - $16,500 CAD

- 18-month course - $21,500 CAD

Requirements for Enrolment

To be eligible for this exciting opportunity, candidates are required to meet the following criteria:

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5

Ready to Begin Your Journey as a Nurse in Canada?

Embark on a Rewarding Nursing Career in Canada - Enroll Today!

https://ukuniversityservices.com

Is Your Money Safe In Metro Bank?

2023-10-06T13:21:00.001-07:00

Is Your Money Safe In Metro Bank?

In this week’s Money Tips Podcast:

· Should you worry about Metro Bank’s finances, as they struggle to raise £600 million to maintain its ambitious expansion programme.

· Property prices fall for sixth month in a row according the Halifax who say the slump will continue into 2024.

Watch video

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

• 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?

· Develop a millionaire mindset

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

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

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

#mortgage #fixedratemortgage #landlord #property #metrobank #houseprices

Good News And Opportunities For Landlords As Fixed Mortgage Rates Fall A...

2023-09-30T11:01:00.005-07:00

Good News And Opportunities For Buy-to-Let Landlords As Mortgage Interest Rates Finally Start To Fall And EPC Changes Dropped

In this week’s Money Tips Podcast edition:

· Fixed mortgage rates ease following Bank of England’s rate hold.

· Opportunities for landlords to increase rental returns and/or reduce management time and costs through leasing, holiday lets and rent-to-rent.

· EPC Changes Dropped

The Bank of England held rate this month, as inflation starts to ease, and the economy slows. Lenders have responded with lower fixed rates.

Watch full video here: https://youtu.be/Y5nEzLl9wmw

Banks are in the business of lending, which means they must make mortgage deals more attractive for borrowers.

However, headline fixed rates are not always the best deal when fees and charges are taken into account.

For instance, SBI are offering a market leading fixed rate mortgage at 3.9%! Sounds great until you realise that the arrangement fee is a whopping 5%! This would amount to £10,000 on a £200,000 loan.

You could be better off paying a higher rate with a lower fee, which is why it pays to use an experience independent adviser. A good independent mortgage broker can guide you through the minefield of mortgage deals.

Higher interest rates have forced landlords to look for better returns and yields on their properties.

The rent-to-rent and holiday let market has grown in the last few years and there are many established and reputable companies offering a variety of solutions for landlords seeking higher returns or less management.

Some offer guaranteed rents for periods ranging from 2 – 5 years, while others will share profits with the landlord on holiday lets, which could be higher but has no guarantee.

The property must be in a “habitable” condition, but in the case of holiday lets must also be fully furnished to a high standard at the landlord’s expense – this can involve spending up to £10,000 to get the property in showroom condition.

There is a huge demand for properties for contractors, homeless families and asylum seekers.

Do your own due diligence and stick to establish, reputable companies with a good track record.

If you have a mortgage, check that your lender will allow a company let or lease and obtain their permission to avoid being in breach of your mortgage terms. This could result in your mortgage being cancelled or “called in” = i.e., we want our money back in 30 days!

Your buildings insurer will also need to be informed, otherwise you risk having any claims, for instance a fire, refused.

See also:

· Transfer Property to A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

· Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

• 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?

· Develop a millionaire mindset.

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

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I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

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

Have a great weekend and week ahead.

#mortgage #fixedratemortgage #landlord #property #renttorent #butoletlandlord #rentalproperty #asylum #EPC #Netzero

NEW THREAT To Landlords And Employers As Home Office Tripple Fines For S...

2023-08-18T10:08:00.001-07:00

NEW THREAT To Landlords And Employers As Home Office Tripple Fines For Supporting Illegal Immigrants

Just when landlords thought they’d suffered enough red tape a new threat is looming.

If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).

Click here to register: https://buy.stripe.com/00g01E92W4R8cfebII

The UK Home Secretary, Suella Braverman, announced this week that fines will to be more than tripled for employers and landlords who allow illegal migrants to work for them or rent their properties.

The civil or non-criminal penalty for employers, last raised in 2014, will be increased to up to £45,000 per illegal worker for a first breach from £15,000, and up to £60,000 for repeat breaches from £20,000.

Fines will rise from £80 per lodger and £1,000 per occupier for a first breach to up to £5,000 per lodger and £10,000 per occupier.

Repeat offenders will face fines of £10,000 per lodger and £20,000 per occupier, up from £500 and £3,000 respectively.

The higher penalties, which require a lower burden of proof than a criminal prosecution, will be introduced in 2024.

The Home Office will consult on options to strengthen action against licensed businesses who are employing illegal workers later this year.

Almost 5,000 civil penalties have been issued to employers with a total value of £88.4m since 2018.

In the same period, buy-to-let landlords have been hit with over 320 civil penalties valued at £215,500.

Minister for Immigration Robert Jenrick said that employers and landlords should already be checking the eligibility of anyone they employ or let a property to. There are a number of ways to do this, which are not changing, including via a manual check of original documentation and a Home Office online checking system. The online check takes only 5 minutes.

Over 17,000 people have entered the UK illegally this year on small boats from France.

UK inflation fell to 6.8% (from 7.9) this week raising hopes that the Bank of England will hold interest rates at 5,25% - the highest for 15 years - next month.

However, with core inflation unchanged at 6.9% interest rates could rise to 5.5% adding further pressure on the housing market and driving the UK further towards a recession.

We are not out the economic woods yet, so learning how to mange your money has never been so crucial.

See also:

Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs

https://youtu.be/5uJcr7YoPso

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.

Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.

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On this interactive workshop I’ll be taking you through the following in more detail:

· Millionaire mindset

· Your money personality

· Your money blueprint

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· Saving tax

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UK Illegal Migration Bill Becomes Law

2023-07-20T13:30:00.006-07:00

The controversial Illegal Migration Bill has become law as the government prevailed over strong opposition in the Lords and figures show the number of migrants crossing the English Channel this year exceeded 14,000.

The asylum reforms form a major part of Prime Minister Rishi Sunak's promise to "stop the boats” and will prevent migrants from claiming asylum in the UK if they have arrived here illegally.

The disputed Bill became an Act of Parliament on Thursday after receiving Royal Assent, the same day it was revealed that 14,701 Channel illegal boat crossings have been made so far this year.

The government are hoping the new law will see detained people removed without delay, to their home country or a safe third country.

The Home Office is locked in a legal battle with the Supreme Court which will decide whether migrants can legally be deported to Rwanda, following a Court of Appeal ruling the plan unlawful.

Although there are details yet to be ironed out, this week, "people who arrive illegally under the new laws will be banned from re-entering the UK and will not be eligible for settlement or citizenship, except in limited circumstances," the Home Office said.

The Prime Minister and the Home Secretary Suella Braverman argue that taxpayers are shouldering the £6 million daily bill for migrants to be accommodated in luxury hotels.

This week a huge barge planned to house 500 asylum seekers was met by protesters as it arrived in Dorset's Portland Port.

With a general election looming, Rishi Sunak is desperate to reduce net migration, which exceeded 1 million last year.

The Office for National Statistics (ONS) reports that in 2022: 1.2 million people migrated into the UK and 557,000 people emigrated, a net migration figure of 606,000 as of the end of June 2022.

International students could be targeted in a bid to slash immigration by the end of the current parliament.

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

The recent restrictions imposed by the UK Home Office on overseas students have sparked a need for alternative avenues to pursue higher education. While these restrictions may limit options for international students in the UK, it's important to recognize the wealth of opportunities that exist in other countries. In this article, we explore some countries that offer excellent education systems, welcoming environments, and promising career prospects for students seeking to broaden their horizons.

1. Canada: Known for its diverse and inclusive society, Canada has become a popular destination for international students. With top-ranked universities, affordable tuition fees, and numerous scholarship opportunities, Canada offers a welcoming environment and high-quality education across various fields.

2. Germany: Renowned for its strong engineering and technical programs, Germany offers tuition-free or low-cost education at its public universities. The country's emphasis on research and innovation, combined with a rich cultural experience, makes it an attractive choice for aspiring students.

3. Australia: With its stunning landscapes and world-class universities, Australia has long been a favourite study destination. Boasting a multicultural society and a reputation for academic excellence, Australia offers a wide range of courses and ample opportunities for international students to thrive.

4. Italy: Studying in Italy offers a unique cultural experience and access to renowned educational institutions. By following the necessary steps and preparing your application diligently, you can embark on a memorable educational journey in Italy.

Conclusion:

While the UK Home Office restrictions may limit opportunities for overseas students and their dependents, it's important to view this as an opportunity to explore other countries that offer exceptional educational experiences. Countries like Canada, Germany, Australia and Italy provide a wealth of options for students seeking high-quality education, cultural diversity, and promising career prospects. By embracing these alternatives, students can unlock a world of opportunities to broaden their horizons, acquire new skills, and make lifelong connections in global educational environments.

Want to study abroad?

If you would like to study abroad in the UK, Australia, Canada, Italy or other country, click here to leave your details.

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

2023-06-15T09:39:00.006-07:00

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

Introduction:

Conclusion:

Want to study abroad?

If you would like to study abroad in the UK, Australia, Canada, Italy or other country, click here to leave your details.

Banking Crisis And UK 2023 Budget Summary, What You Need To Know

2023-03-20T07:09:00.003-07:00

Banking Crisis And UK 2023 Budget Summary, What You Need To Know

Another US bank bailed while Paris burns.

3 Steps To Success Money Management! Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH

As expected, Jeremy Hunt’s first budget did little to excite investors and the property industry.

With the country still recovering from the events of the last two years and massive Government debt there was not much money to give away in this budget. Chancellors usually save that for a pre-election budget!

Jeremy Hunt highlighted concerns about the banking sector, following the collapse of America’s Silicon Valley Bank, Signature Bank and a further bailout by the US banks, but reassured us that the UK banking industry is safe.

European Central Bank supervisors see no contagion for euro zone banks from recent sector turmoil, a source said on Friday, after U.S. lenders threw First Republic Bank a $30 billion lifeline and tapped record amounts from the Federal Reserve.

Large U.S. banks on Thursday were forced to rescue the San Francisco-based lender, which was caught up in market volatility triggered by the collapse of two other mid-size U.S. banks.

This week, Credit Suisse went ‘cap in hand’ to the central for an emergency bank loan of up to $54 billion to shore up its liquidity – banking terms for having no money!

The National Residential Landlords Association described it as missed opportunity to tackle the supply crisis in the private rented sector and the Royal Institution of Chartered Surveyors (RICS) said it was disappointed by the lack of housing ambition in the budget.

However, the Chancellor did announce 12 new Investment Zones across the UK and relaxed Immigration Rules to help the construction industry cope with staff shortages.

Most of us will be paying more tax in the coming years due to the ‘fiscal drag’ caused by tax allowances not rising in line with inflation each year.

Here’s a summary of the main points, but you can read the full budget speech at the commons library - https://commonslibrary.parliament.uk/research-briefings/cbp-9748/

Budget main points

· Energy cap limiting typical household energy bills to £2,500 a year extended to June

· £200m to bring energy charges for prepayment meters into line with prices for customers paying by direct debit - affects 4m households

· Lifetime Allowance – the cap on amount workers can accumulate in pensions savings over their lifetime before having to pay extra tax (currently £1.07m) to be abolished

· Tax-free yearly allowance for pension pot to rise from £40,000 to £60,000

· The 5p cut to fuel duty on petrol and diesel, due to end in April, kept for another year

· Office for Budget Responsibility (OBR) predicts the UK will avoid recession in 2023, but the economy will shrink by 0.2%? Economy shrinking but not in recession!

· Growth of 1.8% predicted for next year, with 2.5% in 2025 and 2.1% in 2026

· UK's inflation rate predicted to fall to 2.9% by the end of this year, down from 10.7% in the last three months of 2022

· Underlying debt forecast to be 92.4% of GDP this year, rising to 93.7% in 2024

· Corporation tax, paid by businesses on taxable profits over £250,000, confirmed to increase from 19% to 25% making the UK a less competitive place to invest

· Companies with profits between £50,000 and £250,000 to pay between 19% and 25%

· Companies able to deduct investment in new machinery and technology to lower their taxable profits

· Tax breaks and other benefits for 12 new Investment Zones across the UK, funded by £80m each over the next five years

· £200m this year to help local councils in England repair potholes

· £900m for new super computer facility, to help UK's AI industry

· 30 hours of free childcare for working parents in England expanded to cover one and two-year-olds, to be rolled out in stages from April 2024

· A £600 "incentive payments" for those becoming childminders, and relaxed rules in England to let childminders look after more children

· New fitness-to-work testing regime to qualify for health-related benefits

· New voluntary employment scheme for disabled people in England and Wales, called Universal Support

· Tougher requirements to look for work and increased job support for lead child carers on universal credit

· £63m for programmes to encourage retirees over 50 back to work, "returnerships" and skills boot camps

· Immigration rules to be relaxed for five roles in construction sector, to ease labour shortages

Source: BBC News

We are living in turbulent times. Need more help with your money, finances, or debt?

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 training Wednesday at 8.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #mortgage #interestrates #property #budget #franceriots #parisriots #pension

Toronto Property Market Explained By Luc Lising One Of Canada’s Top 1% R...

2023-01-05T14:46:00.006-08:00

Toronto Property Market Explained By Luc Lising One Of Canada’s Top Realtors

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

In this exclusive interview with 22-year-old Canadian-Filipino Luc covers:

· Why buying in a property downturn is the best time for opportunities.

· The advantages of buying off-plan new build condos in the GTA.

· Government ban foreign property investors.

· What you MUST do to be successful.

· The importance of having a mentor.

· Don’t meditate on work, just work!

· Simple businesses that work!

Watch full video interview - https://youtu.be/lldv5gL1GaQ

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg

#property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian

Immigration News – New Rules To Deter Illegal Immigration Suella Braverman Promises

2023-01-02T07:41:00.001-08:00

In a recent speech to parliament, Home Secretary Suella Braverman vowed to crack down on illegal immigration.

People who came to the UK illegally could “expect to be detained and swiftly returned” to a safe country, she announced to MPs hours after four migrants drowned when their boat got into trouble in the English Channel.

The latest “crackdown” has not been helped by a strike by one thousand UK Border officers and news that the number of migrants arriving in Britain on small boats will top 45,000 by the year end – 60% up on 2021.

With hotel bills for housing asylum seekers running at £7 million a day and her party lagging behind labour in the polls, the Home Secretary is under pressure to solve the migrant crisis.

Net migration figures now exceed half a million prompting the Home Secretary to rethink how the Immigration Rules could be applied to make it harder to bring family members, students and workers to come to the UK. Details of tougher measures are expected to be announced in the near future.

Millions of students are taking advantage on online degree courses saving thousands of dollars on fees, accommodation – with no need for a student visa.

UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg

Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.

As the downturn intensifies the Bank of England is expected to raise interest rates into 2023 from 3.5% now to 4.75%, but there are signs that the rate of inflation is slowing.

Higher interest rates will hit buy-to-let landlords and investors, as deals fail to stack up.

Move from cities to the country is slowing, as more people move back to the office.

Property experts forecast property price declines of 5% - 12% next year, although some warn of a crash by 15% to 20%.

Mortgage rates have since fallen back since the disastrous mini-budget in September to an average five-year fix at 5.6% according to Moneyfacts – still far higher than a year ago.

UK Finance forecast gross mortgage lending for house purchases to decline to £131bn in 2023 from £171bn in 2022 and a peak of £189bn in 2021.

Leading UK lenders have met with government officials to discuss measures to ease the burden on around 90,000 people in mortgage arrears, the FT reports. Property sales are set to drop to 1.01m next year from 1.27m in 2022.

Savills warns of a severe drop in transactions, to 870,000, and a 10% fall in house prices in 2023. Estate agents Jones Lang LaSalle forecasts a 6% drop in house prices next year. Both firms expect a 1% price growth in 2024, as interest rates fall back and inflation cools.

The Bank of England said 4m households face higher mortgage payments next year.

Typical payments could rise by £250 to £1,000 a month causing severe financial difficulties for 220,000 households.

Rent prices meanwhile have surged to record levels due to a shortage of properties to rent and growing demand, as well as a slowing buy-to-let market and many first-time buyers are opting to rent in the hope of lower mortgage rates in 2023/24. Some 85,000 landlords have quit the buy-to-let market in the last 5 years.

See my Money Tips Podcast video - https://youtu.be/NME3nEu8dAQ

UK private rents jumped by 4% in November, the highest since records began in 2016, official figures showed.

Globally, many markets seem overheated and, in a bubble – Toronto, Sydney and Auckland for instance.

China’s property market boom appears to be over with a 20% decline.

As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!

Your goals for 2023

· How was 2022 for you?

· Did you achieve your goals?

· What are your financial goals for 2023 and how do you plan to achieve them?

I wish you a happy and successful new year!

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UK Property Predictions For 2023 – Where Is The Housing And Rental Marke...

2022-12-29T14:20:00.006-08:00

UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.

As the downturn intensifies, housing indicators are showing red with rates expected to go even higher and the UK goes into a long recession.

The Bank of England is expected to raise interest rates into 2023 from 3.5% now to 4.75%, but there are signs that the rate of inflation is slowing.

Higher interest rates will hit buy-to-let landlords and investors, as deals fail to stack up.

Move from cities to the country is slowing, as more people move back to the office.

Property experts forecast property price declines of 5% - 12% next year, although some warn of a crash by 15% to 20%.

Mortgage rates have since fallen back since the disastrous mini-budget in September to an average five-year fix at 5.6% according to Moneyfacts – still far higher than a year ago.

UK mortgage lenders expect to lend 23% less to homebuyers in 2023 following a two-year boom.

UK Finance forecast gross mortgage lending for house purchases to decline to £131bn in 2023 from £171bn in 2022 and a peak of £189bn in 2021.

Leading UK lenders have met with government officials to discuss measures to ease the burden on around 90,000 people in mortgage arrears, the FT reports.

Property sales are set to drop to 1.01m next year from 1.27m in 2022.

Savills warns of a severe drop in transactions, to 870,000, and a 10% fall in house prices in 2023.

Estate agents Jones Lang LaSalle forecasts a 6% drop in house prices next year.

Both firms expect a 1% price growth in 2024, as interest rates fall back and inflation cools.

The Nationwide expects a “modest decline” or “soft landing” in house prices next year, but lenders seldom talk of a property crash. The lender said 85% of mortgage balances are currently on fixed interest rates.

The Bank of England said 4m households face higher mortgage payments next year.

Typical payments could rise by £250 to £1,000 a month causing severe financial difficulties for 220,000 households.

Capital Economics’ central forecast is for house prices to fall by 12% by the end of 2023, but Andrew Wishart, senior economist at the consultancy, said in a worst-case scenario prices could plummet by up to 20%. “The initial drop in house prices has been sharper than in the financial crisis or the early 90s, “For affordability to return to a sustainable level by the end of 2023, when we think mortgage rates will still be around 5%, the average house price would have to drop by 20%.

On the other hand, were market and mortgage interest rates to drop faster than we expect, that would limit the fall in prices.”

Rent prices have surged to record levels due to a shortage of properties to rent and growing demand, as well as a slowing buy-to-let market and many first-time buyers are opting to rent in the hope of lower mortgage rates in 2023/24. Some 85,000 landlords have quit the buy-to-let market in the last 5 years.

See my Money Tips Podcast video - https://youtu.be/NME3nEu8dAQ

UK private rents jumped by 4% in November, the highest since records began in 2016, official figures showed.

Savills forecasts rental growth rising to 6.5% before slowing to 4% in 2024.

Globally, many markets seem overheated and, in a bubble, – Sydney and Auckland for instance.

China’s property market boom appears to be over with a 20% decline.

In my next episode, I will be talking to one of Toronto’s leading realtors about his housing predictions for 2023.

As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!

Your goals for 2023

· How was 2022 for you?

· Did you achieve your goals?

· What are your financial goals for 2023 and how do you plan to achieve them?

I wish you a happy and successful new year!

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.

Check it out for free - https://bit.ly/3isugCr.

#property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #bankofengland

How To Make 2023 Your Best Year Ever!

2022-12-23T08:54:00.006-08:00

How To Make 2023 Your Best Year Ever!

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

As we enter the Christmas season and that break for most people between Christmas and New Year, it’s a perfect time to sit back and reflect on the year gone by.

· How was 2022 for you?

· Did you reach your goals?

· If not, did you reach milestones?

· Did your wealth go up or down?

· Has your income increased?

It’s also a good time to think about what you can do to make 2023 your most successful year ever.

Watch YouTube video: https://youtu.be/MtjrNNXHM5k

Despite all the doom and gloom, recession and inflation, there are always opportunities.

Falling house prices, potential stock market crash and a shortage of labour are just three of the many opportunities there right now to increase your wealth.

Think about your goals, aims and ambitions for the coming year and write them down.

· How can you improve your life and happiness?

· How can you increase your income?

· How can you save more money?

· How can you manage your budget?

· How can you increase your financial knowledge to make better investment choices?

It’s never too late to learn how to make more money, save and invest to increase your wealth over time.

That’s why I’m including a link to my free training to help you manage your money the smart way.

Make 2023 your best year ever!

Remember this moment as the moment you decided to change your life forever. Make the rest of your life the best of your life

Charles Kelly Money Tips Podcast wishing you a Merry Christmas and a happy New Year to you and all your family.

See also:

The rich and successful have coaches and mentors, and never stop learning.

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.

#tax #property #capitalgainstax #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #makingtaxdigital #richhabits #successhabits #richpeople #wealth #debt #goals #plans #interestrates

Spray Foam Loft Insulation Could Render Your Home “Worthless”

2022-12-09T12:30:00.000-08:00

Spray Foam Loft Insulation Could Render Your Home “Worthless”

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

The UK government giving out billions in grants to homeowners to cut energy costs – including installing insulation and even solar panels.

But one type of insulation, spray foam, could make your home value go to “zero”, according to surveyors and property valuers for mortgages.

BBC reported that one couple had their property valued at “zero” by a lender’s surveyor due to spray foam in the loft.

DO NOT instal Spray Foam Insulation!

House Prices Saw Biggest Drop In 14 Years, Halifax Report Reveals

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

UK house prices suffered their biggest drop in 14 years in November, falling by 2.3%, according to the largest mortgage lender The Halifax.

At the same time, London rental prices have soared 17% or £273 per month in the last year, according to Zoopla.

Other large regional cities have seen similar increases, including Manchester, up 15.6%, Birmingham (12.3%), Glasgow (14.1%), Bristol (12.9%) and Sheffield (2.4%).

The average rent for new lets soared by £117 per month since last year, reaching £1,078 per calendar month.

Rental growth now stands at 12% per year, twice the growth in earnings and accounting for over a third of average earnings for a single person.

People Out Spending Despite Recession

London has been packed with shoppers and visitors splashing their cash.

More Money Tips Episodes:

Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVxLA

Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords - https://youtu.be/mYhJSCbOGLE

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation #tax #section24 #buytoletlandlrd #propertyinvestor #Zoopla #rents

Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax ...

2022-12-06T13:48:00.002-08:00

Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax

For more tips and money-making ideas see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax.

Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden.

Watch video version on my YouTube channel - https://youtu.be/mtGq7WaVxLA

It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch’.

The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs.

With the right advice you can legally create a tax-free pot of money!

If you are a landlord or property investor with three or more properties in your own name and would like to save tax email or message me.

Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ

Personal Debt Soaring Citizens Advice warns

Half Citizens Advice clients are falling behind with debt payments and budget.

With lending interest rates rising, unlike savings rates, and soaring inflation more and more people are using expensive credit card debt to pay for food.

Citizens Advice guide to dealing with debts

1. Work out how much you owe, who to, and how much you need to pay each month

2. Identify your most urgent debts. Rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you do not pay them, and so they should be paid first

3. Calculate how much you can cover in debt repayments. Create a budget by adding up your essential living costs like food and housing, and taking these away from any income such as your wage or benefits you receive

4. See how you could boost your income, primarily by checking what benefits you are entitled to, and whether you are eligible for a council tax reduction or a lower tariff on your broadband or TV package

5. If you think you cannot pay your debts or are finding dealing with them overwhelming, seek support straightaway. You are not alone and there is help available. A trained debt adviser can talk you through the options available

Source: Citizens Advice

See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU

The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women.

The credit report company Clearscore reports data which shows a 7.1% increase in the use of expensive overdrafts since 2021.

National Energy Action expects the number of UK households in fuel poverty to increase from 4.5 million last October to 8.4 million in April.

If you are struggling with debt there is help available through charities like Citizens Advice and Stepchange: See - https://www.stepchange.org

You may also be able to reduce debt repayments or even write off all or most of your debts with the right professional advice. Email or message me.

Recessions create opportunities to make money and build a fortune if you have the correct mindset.

For more ideas and tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

What Does The UK Autumn Budget Statement Mean For You, As Inflation Hits...

2022-11-17T15:25:00.003-08:00

What Does The UK Autumn Budget Statement Mean For You, As Inflation Hits 11.1%?

One third of countries will be in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money.

In his first major speech as Chancellor, Jeremy Hunt announced £55 billion ‘fiscal squeeze’ tax changes and measures to cut the national debt whilst stimulating growth including the “biggest programme of public works for 40 years” and a plan to make the UK the world’s next Silicon Valley.

Watch video version - https://youtu.be/9Y6FcXo22jQ

Markets were reassured by a steady and responsible budget. Highlights:

· Social rents capped at 7% next year, saving tenants an average of “£200 a year”.

· Social rents should increase for private landlords housing social rent tenants by 5%.

· National Living Wage increased and more help poorer pensions and families on Universal Credit benefits.

· Pensions ‘Triple Lock’ retained meaning the largest ‘inflation-linked’ increase to state pensions.

· Hunt wants to bring down national debt as a percentage of national debt over 5 years.

· Extra energy costs reach £150 billion this year – more pain for consumers next year.

· Corporation tax and stamp duty changes to be implemented.

· Capital Gains Tax (CGT) thresholds halved – another tax rise.

· New nuclear power station announced at Sizewell, Suffolk.

· Inflation is the “enemy” of growth. Jeremy Hunt.

· Lowering higher rate tax thresholds from £150,000 to £125,140.

· Freezing tax free allowances – effectively increasing taxes.

· ‘Fiscal drag’ means 3 million people will pay more tax.

· Windfall tax on energy companies increased to 35%.

· Electric vehicles will start paying car tax duty.

· OBR expects housing market to slow down – Stamp Duty reviewed.

· Big tech companies should pay more tax under a new international agreement.

· Review of “workforce participation” – get people on benefits to get a job!

· Crackdown on benefit fraud.

Reality check. World heading into recession

OBR predicts UK recession next year and low growth and 7.4% inflation next year - see 21 Money Saving Tips https://youtu.be/taJgXOqp9O0 – and negative inflation in 2025.

· UK inflation has hit 11.1%.

· Interest rates could rise again.

· £100 billion to service UK national debt.

· £177 billion more borrowing next year.

· Rishi gave away billions, Jeremy is taking it back, as he said, “it has to be paid for”.

· The UK always pays its debts, he reassured the markets.

I have space now for a small group of people I can work with to mentor them to success in any economy.

To help you get through this and come out stronger at the other end I am offering subscribers a Free Wealth Discovery Accelerator Call.

If you are struggling to grow your income and reduce costs in the economic winter, I will personally speak to you to help you accelerate your wealth building journey.

If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call

#recession #money #economy #freetraining #moneytraining #coaching #mentor #positive #makemoney #managemoney #budget #jeremyhunt #inflation #tax #fiscaldrag

21 SMART Money and Energy Saving Tips

2022-10-28T15:26:00.006-07:00

21 SMART Money And Energy Saving Tips

With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

Please LIKE and SHARE

Here are some tips to help you save and accumulate more money.

1 Pay yourself and save first, spend what’s left

Pay yourself first is the golden rule and money mindset the rich and well-off follow. Do this and you’re on your way towards financial freedom. Try the 50/30/20 formula and have your salary automatically paid in separate accounts:

50% of your take home pay for your needs (bills, food, minimum debt payments),

30% for fun, play, eating out and entertainment

20% saved for your future, extra debt payments, saving for emergencies and investing.

2 Avoid credit card debt interest

Plan a strategy to get rid of it credit card balances with cash or by transferring the debt to a 0% balance credit card to avoid paying interest for a fixed time (up to 30 months) COMBINED with paying off the balance every month.

Another useful tip set up a direct debit to avoid missing minimum payments and being stung with high charges and bad credit report history. You can also move to another deal if you don’t manage to clear the balance. Pay off purchase balance every month.

3 Track your income and expenditure

‘T’ for ‘track’ is included in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. Set up a tracking system and also try challenger digital banks like Monzo, which allows you to transfer a set amount of spending money to your card and informs you every time it is used, ore prepaid cards – like Monese and Transferwise – where you can only spend what you load.

You can also do this manually and set your account up by allocating your income into different ‘jars’ for different needs.

4 Start saving and investing

Whatever you are earning or how much you have in the bank, you can start saving a percentage of your income. Apps such as Moneybox let you start with a few pennies by rounding up loose change every time you spend.

You can legally shelter your savings from tax by maximising your £20,000 tax free ISA allowance and using other tax shelters. Pension schemes also enjoy a favourable tax treatment. You can either put money into a cash or investment ISA, which carries more risk. Interest rates have been low for a decade but are now rising, which is good news for saver but bad for borrowers.

Check out www.gov.uk/individual-savings-accounts for more information. Check for the best cash ISA rates at Moneyfacts. Shop around and be prepared to move your money to obtain the best rates.

5 Emergency or contingency funds

Everyone needs a rainy-day fund. You should aim to have three months’ income saved for emergencies, ideally six if you have a mortgage.

6 Loyalty doesn’t always pay - switch suppliers

If you check out any good comparison site, you are sure to discover cheaper deals on your household bills, as well as savings accounts and insurance. Ofgem calculates that the average household can save £300 a year by switching to a better energy and gas deal. This might not always be possible in the current climate.

Check your latest utility statements and check out comparison sites, such as uswitch or moneysupermarket.

7 Reduce your car insurance

Some of us are using our cars less as a result of working from home, so check your car insurance is still the right fit and inform your insurer. Don’t auto renew, and check for better deals via your existing supplier and comparison websites like CompareTheMarket and MoneySupermarket.

8 Review your mortgage

Over 100,000 people reach the end of a fixed term fixed rate mortgage every month, according to a BBC report. Staying with the same lender could mean paying a ‘loyalty’ penalty of higher interest of up to £1000 a year. Consult an independent mortgage broker about remortgaging to the best deal for you even if your current deal is expiring in 6-12 months’ time.

‘R’ for ‘review’ is part of my programme, Master Your Money the S.M.A.R.T Way training. Check it out - https://bit.ly/3isugCr.

9 Check your tax code to pay less to HMRC

Make sure you’re not paying too much tax. You could even get a nice rebate from HMRC.

Working from home could entitle you to tax relief and you could claim some money back for working from home expenses in the form of tax relief paid by HMRC.

10 Look for old bank accounts and pension policies

Billions is waiting to be claimed in forgotten bank accounts, insurance policies and pension schemes. Have a root through your old papers or contact the ABI (Association of British Insurers).

You can also query your council tax band, check for discounts if you live alone or care for someone.

11 Check for any entitlements to benefits.

There are numerous benefits you can access even if you are working and earning a family income of up to £40,000.

12 Reduce your grocery bill

Buy only what you need and avoid ‘two for one’ offers, which lead to food waste and can cost you more.

Buy own brand food from supermarkets which have often scored higher in blind tests.

Plan your meals for the week ahead and use discount supermarkets and pound stores, which can be significantly cheaper that M&S, Waitrose and Tesco’s.

Explore the ‘world food; aisle in your supermarket which can have savings of up to 75% on cupboard staples including rice, lentils, beans, spices and sauces.

Shop in the late afternoons and evenings for yellow sticker discounts.

Don’t buy plastic bags and make your food, fruit and veg last longer.

13 Avoid wasting food

Use your common sense and avoid throwing away food which is still safe despite passing sell by dates.

14 Explore local charities for help – there is an abundance of food given away by supermarkets

If you are in need, use Foodbanks and the many other charities for help with food and other items including energy. They help everyone from the homeless to working people who just can’t make ends meet, and there is a lot of money and resources out there if you search. Nobody should go hungry in the west.

15 Check your workplace or private pension

Make sure you’re saving enough for retirement and you’re happy with how your pension is being invested according to your individual risk profile.

Checking whether your employer will match pound for pound any personal contributions you make – free money.

16 Check your state pension and NI contributions level

You have until next April 2023 to top-up National Insurance contributions to boost your old age state pension if you have not made sufficient contributions during your working life due to career breaks or time spent overseas. Topping up contributions can be a good investment. Check with a financial adviser.

Women in retirement may have been underpaid and could be entitled to back payments.

Go to the .gov website or Google the links.

17 Use loyalty cards, price match and vouchers and deal finders

Points, discounts and free stuff all add up on loyalty cards like Tesco’s Clubcard or Nectar.

Stores like John Lewis and Currys offer price matching policies, which are subject to change sot do your research and don’t be shy to ask.

Try hacks like VoucherCodes ‘DealFinder’ as a plug-in on Chrome to be alerted to the best deals while buying online.

There are hundreds of money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can get paid to walk and exchange your steps for store discounts and freebies.

18 Cut energy bills

Check out the Energy Saving Trust for some great energy and money saving hacks. For instance, charging gadgets overnight can cost you more than charging for a few hours during the day. And not filling your kettle up when boiling water for a cuppa and defrosting your freezer when iced up will also cut your bills.

Going paperless and paying by direct debit will save you money.

Insulating your home will keep you warm in the winter and cut energy bills. Check your local authority for tips grants on insulation and solar panels, even if you are a tenant.

19 Sell unwanted stuff on resale platforms

Did you know that the average British woman accumulates an estimated £22,000 of unworn clothes over a lifetime? You can turn unwanted clothes into cash using resale platforms such as Depop, Vinted and eBay.

You can also save money by buying through these sites for top-quality gifts and clothes instead of paying for new. Some items sold on these sites are brand new unused.

You can also clear your garage, loft and spare room of unwanted stuff by selling on sites like Facebook Marketplace and eBay.

20 Mindset – avoid emotional spending and blowing your salary on payday

In my programmes and YouTube Money Tips Podcast videos I talk about money mindset. A recent survey by Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half their spare monthly wages within 48 hours of payday! Shops, restaurants and online stores gear up offers for payday surges in expenditure. Ask yourself if you really need something before you buy and give yourself time to think before parting with your cash.

21 Plan, organise and forecast

The key is in planning and organising your expenditure, work, goals, relationships and life! As in the first tip, prioritise essential expenditure and your savings pot, before spending. That way, you’ll know how much disposable income you really have to last the rest of the month. Use a spreadsheet, app or notebook to map out or forecast your finances and expenditure just like a business does. You should know exactly how much money you have in your account right now and how much is coming in and going out tomorrow.

Finally, searching for the best deals, tracking and reviewing your finances and being mindful of spending money on things to don’t really need will not only help you get through the current crises but help you form lifelong habits that will enable to build wealth.

For more ideas and tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals #foodbank #getcontroloffinances #money

Trouble ahead for UK Landlords

2022-08-13T06:04:00.004-07:00

Trouble Ahead For UK Landlords As Section 21 ‘No Fault Evictions Will Be Abolished

In this episode:

· Renters Reform Bill announced in Parliament.

· Planning reform

· Property prices

· Demand has jumped for properties where all the bills are included in the rent, according to Rightmove.

· The property website said inquiries for build-to-rent homes with bills included had risen by 36% over the past year.

· It comes as two students had to pay £27,000 up front to secure a Cardiff flat, due to rental market demand.

· The Welsh government plans to consult on rent control for private rentals.

· Rents are rising at the fastest rate for more than 13 years, according to property experts Zoopla. They said this is because of limited supply, caused by an "exodus" of private landlords.

· Last month, Wales had the biggest annual jump in rental prices outside of London - up 13.9% to £882 per month according to Rightmove.

Watch video version - https://youtu.be/_QpXWoYmG3U

The vast majority of 'buy-to-let' landlords are small investors with one or two properties, and many are accidental landlords. Landlords I have spoken to said they would pull out of the market if 'open tenancies' were forced upon them and would be too nervous to rent out a property to a tenant were they would not be sure about getting back possession at the end of the tenancy.

Open House South Herts is advertising cheap property deals in the north of England from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood

Banks not passing on interest rate rises to savers!

See: video - https://youtu.be/5Z1DVXkCcfo to see what can you do to make more of your savings.

Make your money work harder for you…See: 6 Tips to get on the property ladder - https://youtu.be/F4spqKpYZo4

Learn how to get started as a first-time property buyer.

A slowdown in the property market means more opportunities for buyers and investor!

Find out more about property investing.

You can learn the secrets of professional property investors who have built huge portfolios with other people’s money.

FREE TRAINING – BEGINNERS PROPERTY SECRETS

This Beginner Property Investing Secrets free training webinar is designed by the industry’s top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up.

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Thank you for your support!

#property #rentalproperty #firsttimehomebuyer #landlord #buytolet #propertyinvestment

Home Based Business Ideas UK: Interest rates rise again as Bank of England warn ...

2022-05-07T08:00:00.001-07:00

Home Based Business Ideas UK: Interest rates rise again as Bank of England warn ...: Interest rates rise as Bank of England warn of recession and 10% inflation The Bank of England has warned that the UK economy will shrink ...

Boris Johnson may relax UK Immigration Rules for India in exchange for a trade deal

2022-04-22T12:47:00.005-07:00

Following the launch of Britain's new post-Brexit immigration system, the Prime Minister said there is a 'massive shortage ' of IT and programming workers and immigration could be part of a trade deal, the Mirror reports.

UK Prime Minister Boris Johnson has opened the door to an offer on immigration to secure a trade deal with India.

During a visit to India this week, the Prime Minister hinted that the UK could make a visa offer as part of a future free trade agreement with Delhi.

Speaking to the press entourage during the flight to India, he said there was a “massive shortage” of skilled workers in fields like IT and programming in the UK.

"We are aiming for an FTA (free trade agreement) by the end of the year,” he said.

Asked if immigration could be part of the agreement, he said: "On immigration I've always been in favour of having people coming to this country.

"We have a massive shortage in the UK, not least in experts in IT and programmers. We're short to the tune of hundreds of thousands in our economy.

"We need to have a professional approach but it has to be controlled."

The Prime Minister arrived in Ahmedabad this week where he was greeted by Gujarati chief minister Bhupendrabhai Patel. He will take part in several business and cultural visits in Gujarat before travelling to Delhi for talks with India’s PM Narendra Modi on Friday.

Mr Johnson will use his visit to tout more than £1 billion in new investments and export deals, which will create nearly 11,000 jobs across the UK.

A major contract is British-backed space firm OneWeb for satellite launches with New Space India Limited, the commercial arm of the Indian Space Research Organisation.

The satellite company has already engaged with Elon Musk’s Space X after being prevented from using Russian rockets.

The UK needs hundreds of thousands of skilled workers including nurses and IT specialists.

Food Shortages on the way – time to act!

Food shortages and even rationing could be on the way as the Russia Ukraine war continues.

Sanctions against Russia are forcing up the price of everything from oil and gas to wheat and Fertiliser chemicals. This is adding to existing problems of inflation caused by ‘government money creation’, soaring shipping costs and supply chain issues in China.

Farmers are warning of coming food shortages, as items like cooking oil disappear from supermarket shelves.

“Over 36 countries depend on Russia or Ukraine for half their wheat imports”

Antonio Guterres, UN Secretary General

The UN Secretary General warned of rising poverty and added:

· Wheat up 30%

· Oil up 60%

· Natural Gas up 50%

· Fertiliser up 100%

The National Farmers Union (NFU) reports:

“Ukraine is a major supplier of wheat, barley, maize and oilseeds (particularly sunflower oil and meal) to the global market meeting the needs of an estimated 400 million people worldwide. The interruption of that supply with the closure of the Black Sea ports is being hardest felt in North African and the Middle East countries most reliant on Ukrainian wheat.

“The World Food Programme estimates that its operational costs of feeding food insecure people will increase by €26 million per month compared to current levels, €64 million per month compared to pre-pandemic levels.”

The NFU warns of “an acceleration in the rise of commodity prices”.

“Global commodity prices were already rising steeply as the world economy emerged from the pandemic – over the last 18 months wheat prices have risen nearly 110%, maize and vegetable oil prices are up 140%, and soybean prices are up 90%. The conflict in Ukraine has accelerated the rise in commodity prices, with wheat prices increasing 70% since the invasion.” Source: NFU

Signs of poverty are already being seen in the UK, a wealthy country.

$50 billion was wiped off the value of Netflix as its share price dropped 35% following reports that the company lost 200,000 subscribers in the first quarter of 2022.

Watch video version.

Economy is in winter season right now but…winters don’t last forever!

· Bulk buy non-perishable consumer goods and food as a hedge against inflation

· Buckle down, tighten your belts and get through this, you will survive!

· Consider spreading the cost on direct debit to cushion the blow.

· Build your credit lines and watch your credit rating like a hawk.

· Earn more cash by doing part-time jobs or a side-line business.

Watch my ‘5 Inflation-Busting Tips’ for money saving ideas to help you through this. -https://youtu.be/2jZCO4V7uX0

Make the most of your money and resources and learn how to get control and manage your finances.

Consider investing in real assets which tend to hold their value and act as a hedge during times of high inflation.

Assets like property, stock and shares and gold have long been held as a long-term inflation hedge.

Remember, you are not alone. Get help, take advice, and use debt counselling services like Citizens Advice if you are having trouble.

Can you take proactive steps to increase your wealth?

Do people get rich during recessions and depressions?

The answer is yes!

To help you get through this and come out stronger at the other end I am offering subscribers a free MONEY MASTERCLASS.

Join me for an intimate Money Masterclass this Wednesday

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With inflation at a 30-year high there has never been a better time to join me for this brand new Money Masterclass!

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3. HOW TO ACCUMULATE WEALTH

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P.S. There are limited places available. We’ve had a HUGE response already! Do not miss out - REGISTER YOUR SEAT NOW REGISTER HERE - and join me to discover how to build wealth, IMMEDIATELY GET CONTROL of your money and learn how you can become FINANCIALLY FREE in 28 days using my S.M.A.R.T MONEY FORMULA!