Rob Moore @RobInsightss

Council tax bands in England and Wales are still based on property valuations from April 1991 That means millions of homes across the UK are currently placed in the wrong council tax band because of outdated, rushed assessments made over 30 years ago If your home is in a higher band than similar properties on your street, you can challenge your band with the Valuation Office Agency (VOA) If successful, you get your monthly bill reduced and a tax refund backdated to the day you moved in. But be careful: if you get it wrong, you can accidentally increase your neighbours' bands too

Why do you pay 20% tax on a new car Then up to £5,490 road tax for the privilege of driving it Then 59% fuel duty & 20% VAT which is £41.46 out of a £70 tank in tax AND there’s STILL potholes everywhere

We have been setting up people’s entire businesses  in 20 minutes or less with AI

I have Claude sat on my board as a non exec with more  experience than 10 billionaires It does all my outbound sales outreach It has replaced 24 staff in 6 months 

But perhaps the most important thing you can use AI for is all your admin, operations, day to day that takes hours a day but doesn’t actually make money  See first comment below 👇🏻

That’s why we’re hosting
a one off live zoom class on:

“How to Build Your own AI Exec Assistant” (in 45 Minutes, LIVE):

This is brand new content specifically to build your own AI PA 
whether you have no staff/business, or a bigger one 

No recordings or replays. Agenda on the below link us02web.zoom.us/webinar/regist…

The lottery is an absolute disgrace for these 4 reasons  1. The gateway drug to gambling addictions  
 2. The illusion of chance & the selling of false hope to BROKE people to make them more broke  3. The outrageous amounts of tax the govt. literally steal straight off the winner  4. Absolute monopoly control… …which is why no one can do anything about it or break this legal scam Except you can Boycott the lottery. It’s called ‘lottery’. NEVER, ever buy tickets  Instead, invest the money; invest in yourself  Do not enable the system any more at your own expense

A £35K salary sounds fine until you break down your actual time & cost It’s not just the 8 hour work day. It’s the hour to & from work & the lunch break. It’s 3 extra hours a day of time cost When you factor this your hourly rate is more like £10. And that’s BEFORE tax And that’s 2 coffees in the morning, & the barista probably earned more per hour than you  That’s the new reality unless you do something about it

The UK student loan system isn't a traditional loan It functions as a lifetime graduate tax. If you're on Plan 2 or Plan 5, you pay 9% of everything you earn above the threshold With high interest rates applied from the day you start university, most average earners will NEVER clear the principal before it gets written off Overpaying a Plan 2 or Plan 5 student loan early is usually financial suicide unless you are an exceptionally high earner who can clear the entire balance in a few years Otherwise, you are just throwing away extra cash to clear a debt that disappears automatically after 30 to 40 years anyway

London property prices are falling and the numbers are wild In prime central London the drops are heavy 15 years ago London was booming & global buyers were fighting to get in Now millionaires & billionaires are leaving, prices are falling & local businesses are shutting Mayfair sales down 50 to 60 per cent year on year Kensington & Chelsea down 40 to 50 per cent Belgravia & Westminster seeing over 10% drops each year London used to be one of the strongest property markets in the world, now it’s leading the decline Yes it’s rough, but it also means prime London is becoming more affordable Will you invest or leave London/the UK like many others?

If you’re applying for a mortgage in the UK, banks do not just look at your income They evaluate your "stress test" capacity and monthly outgoings. Subscriptions, buy-now-pay-later schemes, & high credit card limits, even with a zero balance, reduce your borrowing capacity If you have a credit card with a £10,000 limit, the bank views that as £10,000 of potential debt you could run up tomorrow Lowering your credit limits and clearing Klarna/Clearpay accounts 6 months before applying for a mortgage can instantly boost the amount a bank is willing to lend you

Billionaires lose millions to become billionaires Millionaires lose thousands to become millionaires Poor people don’t want to lose anything to become rich

Going to University in the UK could be a financial trap We tell 18-year-olds to sign up for £50,000+ of debt for a degree in ‘Business Management’ that leads to a £24k admin job Meanwhile, the 18-year-old who started a plumbing or electrics apprenticeship is making £50k+ by the time they’re 23 With zero debt & a skill that Claude can’t replace The university obsession was a trap pushed to keep unemployment numbers looking low

The UK state pension age is rising, & if you are under 40, you should assume it won't exist in its current form when you retire Currently, the state pension requires 35 qualifying years of National Insurance contributions, but the payout barely covers basic utilities/food Relying on the state to fund your old age is a high-risk strategy. If you don't build a private pension or a Stocks & Shares ISA/property portfolio alongside your work contributions, you are locking yourself into forced labour well into your late 60s

There are 3 ways to ‘retire’ & never work again: 1: Make enough money to stop working one day, for life 2: Love your work, that you don’t do it for the money 3: Cut your expenses & live within your means All 3 are viable, simply choose your path  I choose 2. What about you?

If you have a £300,000 mortgage, making one extra full monthly payment per year cuts your overall mortgage term by roughly 4 to 5 years You don't need a massive windfall to pull this off Dividing your monthly payment by 12 & adding that exact amount to your standing order every month achieves the exact same result automatically Instead of paying 12 payments a year, you pay the equivalent of 13. It’s the simplest, most consistent wealth-building hack available to UK homeowners, & almost nobody uses

5 hobbies that can make you rich:
 1: Golf. Million pound deals are done on the course 2: Watch collecting. The right watch gets you noticed & opens doors  3: Art collecting. Billionaires store their money in art  4: Flying. Flying clubs have secret millionaires  5: Car Meets. Shared passion that connects all types of people

A cashless society means… No buying anything with privacy
No piggy banks for your kids
No market sales or car boots
No ability to budget for millions of people
No tips directly to waitresses & hard workers
No selling second hand items for cash
No giving money to the homeless
No cash in birthday & xmas cards
 A cashless society means FULL control of ALL your money And your freedom

I know someone who put more than £5m into crypto; pretty much lost it all 
 Know someone who was £20m+ into co-working property; lost it all 
 Know someone who had a £3bn business, lost it all The key to surviving & thriving through booms & busts is diversification
 Spreading your money across different types of assets, even if you are really good at one

Inflation isn’t ‘fair’ & doesn’t affect everyone equally It punishes savers, wage earning employees & fixed-income retirees It actually rewards asset holders, those in (good) debt) & the banks & governments

US National debt has just passed $40 trillion And it’s more than doubled in the last decade That’s $5.48 billion per day Or $228 million per hour The interest (only) on this debt costs $1.2 trillion a year (taxpayer money) And it’s projected to climb to c.$64tn by 2036 This is pushing up interest rates AND inflation Your borrowing costs are higher & the goods you buy are more expensive But the money you earn & save is worth less and less Surely this will trigger ‘something worse than a recession’ & ‘the biggest crash in history’ (as predicted by Ray Dalio & Robert Kiyosaki)

How to get rich quick: 1. Pay off all bad debt 2. Spend 75% or less of what you earn 3. Save 3 to 6 months living expenses 
4. Invest in S&P/FTSE every month 
5. Buy a rental property every 2-3 years 
6. Max out your tax free investments  Then just wait 10–15 years If you want to speed it up, earn more, spend less & invest faster

That’s the proven system