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Christina Brady from Blacktower Financial Management 20-02-23 with Kal Sutherland | BayRadio
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Oct 29, 2024
The latest from the financial markets with Christina Brady from @blacktowerfinancialmanagem7049 For any enquiries contact info@blacktowerfm FAO Christina or get in touch through the website: www.blacktowerfm.com Be sure to Like and Subscribe to our YouTube channel for more insights from BayRadio Spain, and follow us on Social Media: Website: http://www.bayradio.fm/ Facebook: https://www.facebook.com/BayRadioInSpain Instagram: https://www.instagram.com/bayradiospain/
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0:00
we specialize in protecting preserving and growing your wealth Black Tower financial management the team you want
0:06
by your side visit blacktowerfm.com pleased to welcome back Christina Brady from Black Tower financial management
0:13
what about investing in energy companies then I wouldn't like the blue touch paper here we did hear the EDF obviously
0:20
didn't make as much money as some of the other companies but that was down to the
0:26
enforced closure of a number of its nuclear power plants and uh and a price cap on energy for French consumers
0:33
meanwhile everybody else has been raking it in go on name names I'm not going to
0:38
you know there's the normal suspect shell BP um it's really annoying because if you
0:44
look European gas prices have plunged to their lowest level in 18 months they are
0:49
now at the level they were before anything started with Ukraine but households are unlikely to get lower
0:56
bills why how can that be happening do you know what I mean is it ridiculous as
1:01
I said if the market just goes up a tiny bit they put the prices up instantaneously it's like if interest
1:07
rates go up the banks put their rates up on mortgages actually instantaneously but they don't pay Savers anymore it's
1:13
like petrol and Diesel as well isn't it as soon as there's a champion it takes ages to come back down again if it ever
1:18
does make a rule
1:24
if prices go up and you put your prices up instantaneously as soon as they come down your prices need to fall straight
1:31
away that's for energy companies that for petrol companies that's for everybody and I think the same with the
1:37
banks you know if they're going to put their interest rates up on their mortgages they should then pay Savers more but they're not going to I was
1:43
coming to Banks yeah but today we're hearing from the evening standard that household energy bills in Britain are
1:49
said to sold despite that one thousand pound drop in the price Gap I know it's absolutely ludicrous and it's complete
1:57
this whole thing about what's the point of off-chem yeah you know yeah what is the point of these regulatory bodies
2:03
when they can basically be bought I'm sorry but they are they've got no uh
2:08
b-a-l-l-s I can't say it at all they've got they're just weak feeble uh usually
2:15
Public School people who haven't got any any backbone at all to stand up to anyone but what we're talking about
2:21
energy everyone's going on about this green energy about how we need to use uh
2:27
sustainable renewable energy um but here I don't know if any of you
2:33
know this but these are the facts right wind farms this is just in Scotland alone okay this is going to shock people
2:39
because we're all going to be told wind is the future you know all these solar is the future in Scotland in 2020 they
2:47
paid uh the Scottish government paid Wind Farm operators
2:53
243 million not to produce any energy in 21 they paid uh the Scottish government
3:00
paid 107 million against them not to produce any energy and in 2022 they paid
3:08
them 227 million to switch off their turbines
3:14
because the system that transmits the power doesn't have the capacity so in all the Scottish government in three
3:20
years has paid out over half a billion pounds to renewable energy companies not
3:27
to produce energy to turn off their turbines and that equates to 1700 pounds
3:33
a year more you could pay every single nurse in the NHS in the UK now come on
3:39
who is believing this whole green uh you know fast that's Bonkers is that just
3:45
because it's unable to can't store it or I don't I don't get it I'm just saying that they cannot it doesn't have the
3:51
capacity capacity to transmit this energy now surely when you're giving these wind subsidy uh companies subsidy
3:59
to build worm farms they're proposing loads more in Scotland before you do this you make sure that you have the
4:05
infrastructure in place to be able to transmit this energy they're making all of us suffer for increased taxes through
4:11
this and the other under the name of climate green and it's a complete Force
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that's probably just and then one of the other number of things that are slightly gone wrong uh in Scotland that have been
4:23
highlighted since um since we saw just Scotland I'm sure if we look into it the British have done the same you know in
4:30
the UK in Wales it's happened as well it's just other parts of Britain have come out yeah in Spain we've got like 1
4:37
298 wind farms uh with that's 21 and a half thousand wind turbines seem to make
4:42
it work don't they uh we're I don't know we haven't had any figures from Spain
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um but this is just one example and I think if you dig into all of it and I was listening to a
4:54
um a web uh webcast about this woman talking about one of the big uh
5:00
conferences has gone on about energy power and she was saying that what they're looking forward to and everyone
5:06
should take note of it that if there is an energy in crisis and people are using in electric cars or they have these
5:14
smart meters in the future what they're going to do without any warning is turn off the energy that we use to to to to
5:22
heat our homes to run these cars if there is a peak in the demand for energy
5:28
they're just going to cut it off without a minute's notice because they can because the technology has been built
5:33
into electric cars there's a kill switch and into uh the smart meters which means they can stop the energy coming into
5:40
your home and they can stop your car workers they get stuck somewhere between here in the UK for instance you know if
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you were driving back yeah well also if you looked in Switzerland I think there was um they
5:52
didn't have enough electricity so what they did was they banned people from charging their cars or using their
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electric cars so if that's the only car you had you were basically
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um well you're under house arrest weren't you unless you're going to walk or cycle anywhere you couldn't go anywhere and I was supposed to stick to
6:10
a hybrid for now I guess then yeah I think hybrids you know hybrid yes you've got the flexibility of both if there is
6:17
a limit on the electricity then you can always go back to traditional powers and most petrol engines now that they've
6:23
developed I know Mazda have developed one that is actually cleaner and more environmentally friendly than having an
6:29
electrical vehicle because of the amount of um damage it's doing to the environment
6:35
getting the batteries for the electrical cars the amount of weight these electrical cars hold you know the the
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tires are a lot bigger than normal you know if you look at all that it the ecological damage caused by electric
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vehicles usually outweighs the positives and I think a hybrid with these good uh
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petrol engines is the way to go of course the thing we've heard a lot about us is disposal of the batteries isn't it
6:58
as well yeah the battery yeah exactly they can't dispose of the batteries and there is no second hand Market in
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electric vehicles or it's very limited because no one wants to buy them because once the battery is gone it the whole
7:11
value of the car is in the battery so if you need to replace a battery you're talking not a few hundred euros as now
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you're talking thousands and thousands of Euros to replace your battery
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um so you know people have to think about this it's just something to consider and you know the companies as
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you said are making a killing out of all this falling for all of this you've got the oil companies yeah I did want to
7:35
return to that oil and gas companies they're already being subject to windfall taxes but there's got to be
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more with these well it's exorbitant the amount of money that they're making I think as I said you've the governments
7:47
have got to get stronger say to these companies right you want to put your prices up that's fine but like now gas
7:53
prices are lower than they were before the Ukraine will we want to see those Energy prices passed onto the clients
7:59
immediately to bring their bills down and if you don't we will calculate how
8:04
much money these people need to be compensated for and you will have compensation claims at your door just
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like PPP Etc you know when they had to pay out all that money these elect these
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electrical these gas companies whatever have got to pay out compensation if they don't lie their prices I would say
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within 24 hours of the price falling and that's what I would do if I was a
8:26
government and that's how I would help the people I'm fed up with governments just being lobbied by these big
8:31
corporations and helping these big corporations at the expense of normal everyday people and we're not just
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talking poor people we're talking middle classes of those that are more likely to suffer and so we need to stand up to
8:44
these companies and governments need to come down on our side are we likely to see this I I just don't think we are
8:51
because why haven't we so you know yet no because they haven't they're not strong enough they're used to these companies lobbying them these big
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companies have so many lobbyists lobbying the EU the American governments the UK governments they have people you
9:03
know who help them along get things passed and people will not stand up to these they're too scared
9:10
um they're threatened by big corporations by the power they hold and they're too scared to stand up to them
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but I think if someone like Russia sunak whatever his name is wants to get voted in again he could immediately make the
9:22
British people come on his side by passing this room he's standing up he's standing up for
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old Dahl today he can stand up for the average consumer can't see yeah well he
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stands up for that because that's not going to cost him anything but if he's a lack is a listening and the people who
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advise him if they happen to get a listen to Bay radio put a word in his ear tell him if he wants to be seen as a
9:44
good prime minister Minister start sending up for the people pass a law that says energy companies need to pass
9:49
these reductions onto people as quickly as they pass the price Rises on and if they don't they will be liable for
9:56
compensation why don't you tell them it's going to hurt them in the pocket and the conversation should be double what they've lost out through the price
10:02
is not being lowered and that will soon make them take action let's just do the figures then shell 32.2 billion pounds
10:09
in 2022 the highest in its 115 year history BP 23 billion pounds up from
10:16
12.8 billion dollars so that's 27.7 billion dollars last year up from 12.8
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billion in 2021 and uh centrica British gas owner full year profits of 3.3
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billion for 2022 more than triple the 948 million it made the year before we
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mentioned EDF who somehow managed to say that they had a miserable year uh record annual losses of 17.9 billion euros some
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16 billion pounds and as I mentioned that they were blaming that on uh the price cap on energy of French consumers
10:49
but also the enforced closure of its nuclear power stations for repairs and I just don't have any sympathy at all no I
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don't have any sympathy you've got fuel poverty across the world uh you know in the UK in the US in Europe and yet these
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companies are just really they're just they're just they've got no regard for Humanity it's all about money and they
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don't care who's suffering and as I said if there's any prime minister there's any leaders listening please just get a
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backbone just stand up to them and just put in a law that says what I've said you know if you don't pass the price uh
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the lowering prices onto consumers they will be liable for compensation at Double what you haven't paid let them
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off you know give them a reduction in and that will soon scare the bajeebies
11:36
out of them Christina is with us from Black Tower financial management been talking to Francis who lives in Geneva
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uh Christine she said in the and that's not actually what happened the government didn't stop people using
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their electric cars with having a search about to see what actually happened and it was basically if the proposal were to
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be finalized during a worst case Energy emergency drivers would be allowed to use their electric vehicles only for
12:03
essential Journeys but um there was quite a lot of course across the social medias and everything about this
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perspective bands it's still frightening isn't it it is scary if you do have electric car and they say it's an
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emergency they can cut you off and you can't use them as you said if you have a hybrid you've still got that flexibility
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you can still go out got to be the way to go at the moment so to Banks them
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um NatWest chief executive Alison Rose paid 5.25 million pounds in the year the
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lender's 2022 full-year Financial results said not since 2008 as the head of the bank received an annual bonus why
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now record profit say no I know and actually I think what they did that they they sit
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they raised this bonus pool to so this is for it to give out bonuses
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to people to between 350 and 400 million pounds for this year
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to give to staff well the bank got profits of 5.1 billion and the chief
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executive gets 5.25 so there's some kind of bonus performance bonus related thing
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going on I think oh yes there is in the banks I've worked there so the trading floor are going to be very very happy
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the city is going to be a very busy place um with them out spending their money
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um but I don't think that's right because if you remember it's the taxpayer that bailed out indeed NatWest
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okay and all right they may have paid the money back
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but still I'm sure they weren't charged interest I still don't think they should be
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getting these large bonuses especially when the rest of the world is teacher and on recession and people are finding
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things so hard there was almost there I know I used to
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work on the trading floor and it is very stressful and they do work very long hours you know if you're in the public
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sector you would not understand the hours they were they sometimes you're expected to work not just 12-hour days
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20 hour days you're expected to come in the work has to come before anything
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else if you are to survive and most people wouldn't do that so I can
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understand them getting bonuses don't get me wrong but some of them will not be getting like a million pound bonus or
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even a five million pound bonus some of them will be getting tens of millions in bonuses and I don't know how you can
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justify that yeah remember higher interest rates which were put in by the bank of England after that mini budget
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up which is the only word word for it um also led to lower inflation which
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have benefited the banks yep so the banks the banks are on a win-win situation at the moment you know
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they and even if you look at no this is most probably International banking the you know NatWest is a big bank but even
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if you look at retail banking as I said mortgage rates have gone up substantially but they're not paying
15:00
that money to the Savers the interest rates haven't gone up that much so there's a huge as what we call spread
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between what they're paying uh Savers and what they are getting from uh
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mortgage um yeah from their mortgages and what people have got to remember is it's your money they're lending out when you put
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your money in a deposit account with the bank if you keep it in your current account you're basically giving that money to the bank and they then lend it
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out so they are making themselves mega mega rich off your back off your money and that's why it makes me really really
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angry when people leave a large amount of money in the banks only no interest when the banks have
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been lenting it out some banks won't even take new customers at the moment
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no they won't um uh it's ridiculous um it's not fair
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um as I said but then it's like a big Corporation it's like BP and shell they have the power you know they run the
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markets we know they've been done for manipulating in interest rates uh the prices of Commodities uh various other
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things they're very very clever and they know what they're doing can we look at the euroboard because after more than
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six years uh the the with the Euro boring negative figures uh mortgage repayments have now risen at
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unprecedented speed within one calendar year it means that first time buyers or those seeking to upgrade are having to
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have a major rethink and uh this is something that um surely the Euro bought
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is meant to be relatively stable and and and keep interesting you know if they want to control
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inflation they're using interest rates to do it I don't think that's a good idea I don't think that is a good idea
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at all as I said I've always considered that lowering taxis stimulating spending is a better way to you know come out of
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the doldrums and beat inflation and it to beat inflation they need to cap prices on the you know the raw materials
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we use the energy prices you know BP shell Etc um so it has a big effect if you think
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most people that took out mortgages most probably fix if they took out fixed rate mortgage it mostly was only for a two
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three or five years those terms are coming to an end now so people are used to playing practically nothing for a
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mortgage are now having to find 400 a thousand maybe two thousand more a month
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it's a huge amount and that then impact impacts on their standard of living that
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along with the rise in prices for energy Etc people some people are below Break
17:33
Even they just cannot without food banks some people would not even be eating and I think that's when you've got the rich
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throwing their money in your faces every day when you look at award ceremonies when you look at what BP and Sheila do
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what you're looking at NatWest are doing how much they pay for adverts in the middle of the Super Bowl
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they have John reality they're out of touch
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and I think they have no Humanity they have no compassion and they have no empathy and it's a very difficult world
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at the moment Spanish mortgages as we know are based on the Euro ball they've never risen so quickly and dramatically
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at any point in its 24 year history as it has in the past six months how how
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what's your advice to the people what do they do how can they cope well they what if they'd listened I
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think I said a year or two years ago even that people needed to fix their mortgages for a long term for 10 15 20
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years because rates were so low I hope some people did listen and they went to their Banks and did that if they didn't
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I'm afraid you're just gonna have to ride this out what you can do is if you're on a repayment mortgage say you
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pay back part Capital part interest you can approach your bank and also if you can go to an interest-only mortgage it
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may they only let you do it for two years um sometimes you know it may be a bit longer but then at least you're cutting
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down what you're paying but what you have to remember is then you're paying you're not paying back any of your Capital your own you're only paying back
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the interest and as soon as rates start to come down again or if you start to earn more money you need to switch back
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so you're starting to pay back some of your capital and in Spain the government have got involved trying to limit the
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damage to homeowners this Royal Decree which which is establishing a banking
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code and it's voluntary for banks but it does make commercial sense 50 banks have adopted it a worldwide Banks and
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building societies so there is something that is there to try and help people at a time like this
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yeah and what you've got to think is people bought houses expecting them to always increase in value if you look in
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the UK the average house price in the UK only Rose by 14 pounds unheard of that really isn't it all this
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rise in 20 years so people that bought houses at the peak of the market have
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got large mortgages they haven't got much equity in them and that's the problem if house prices start to fall
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most people have remortgaged to the hill or don't have much Equity that means then you've got negative equity it means
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that you owe more than your house is worth and that's when people have problems and
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that's when we see repossessions rise and they are rising at the moment and I think that is a worrying Trend and
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that's something that we've got to keep an eye on and that's something across Europe not just in Britain it is oh yeah
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it's happened in Sweden it's happening everywhere it's not just in Britain and in the US Christina Brady from Black
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Tower financial management with us this afternoon and on the subject of golden visas it's a year isn't it since the UK
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got rid of theirs trying to clamp down on dirty money from Russia uh Island
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have subsequently ended there's Portugal are ending there's how long before Spain
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and theirs do you think I don't think it's gonna be very very long at all because the EU voted over
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when wilmingly to demand a ban on all golden visas across the EU so Spain and
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mortar are going to be next and I reckon it won't be long at all so if anyone is thinking of moving to Spain and they're
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relying on a golden Visa spending your 500 000 Euros uh you need to do it ASAP
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because once they stop it it's stopped straight away so if you're in the process of applying gone okay
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um it's just that's it and the reason the Portuguese have said they've done it is to fight price speculation in real
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estate and there was a whole thing in Spain about people complaining about the uh
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golden Visa has made in certain areas price rises in houses and houses unaffordable and houses within certain
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price brackets you can't find any and I think that applies to Javier actually and surrounding areas there is a you
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know a huge demand for property and there isn't enough property around so they're thinking by doing this it will
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call the property Market which may not be a good thing for people trying to sell their houses
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so if you are thinking of moving here and you are coming on a golden Visa get
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that application in ASAP get it approved stamp if you're thinking of starting the process be warned that it may not happen
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um I don't know what happens if you started the process and you've bought yourself a house for 500 000 and they
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scrapped the scheme I don't know where you're left I don't know what's happening in Portugal I'll try and do
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some research on that we've seen haven't we with the unsettled political and
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social environment in America that U.S applications for gold and visas from
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Americans have been increasing their respected to increase more too yes well
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I think Valencia is actually one of the most popular places in Spain for American expats to move
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um yeah they are leaving I think California are seeing a huge huge Exodus
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of people living there not only overseas but also into other states in America so
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yes we are seeing influx of Americans however as I said it doesn't matter what nationality you are if you are not
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within the Eurozone and you haven't got that Freedom Movement if you're from Australia from New Zealand from South
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Africa anywhere if you're thinking of using the golden easel scheme to move to Spain you need to get that done ASAP or
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that option is going to be out the window and you're going to have to look at one of the other Visa options if you
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go into the non-loopacy of Visa option you have to prove that you have an income from savings and from your
23:38
pensions if it's a family of three of about 44 000 Euros a year and your Visa
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is only I think for a year or two years it has to be renewed whereas with the golden Visa that wasn't the the case so
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the goals and Visa gave you a lot more flexibility so just to warn people that that is coming to an end and I think it
23:56
could have an impact on the property markets as well and of course Black Tower financial management to spread
24:02
right across Europe in a number of different countries and and they're not just here for British expats are they no
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no we I've got uh some of my clients I've got Dutch I've got Norwegian I've got Australia New Zealand I've got
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German I've got French I've got Irish lots and lots of different nationalities
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we can deal with literally any nationality and and Spanish Nationals as well the only thing we have to make sure
24:27
is that they understand English you know they can converse in English they can read English and we can help any nationality and you know put them in tax
24:35
uh efficient Investments here in Spain and give them advice on how to be as tax efficient as possible and in Spain on
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the first of January they raised the saving tax rates um they've given us now five bands so
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the top savings tax rate now is 28 although it'd be very hard pressed to
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get into that tax Band it means you'd have to make over three hundred thousand Euro housing gains each year on your
25:01
Investments so I don't think that's going to happen for most people but you have to think you know they are raising
25:07
tax rates in Spain countries are trying to increase their tax revenue so if you are thinking of moving to Spain no
25:13
matter what your nationality it is worth talking to a financial advisors to make sure that your house is in order before
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you move here and what you have is as tax efficient as possible here in Spain and we've got lots of people in Spain as
25:26
well downsizing I've had quite a few in the last month that have come to me to ask advice on what to do with the money
25:32
that they've got from downsizing where should they invest it to give them income either if they've gone into
25:37
rented accommodation or to give them income you know just to help with their daily expenses and we can help you do
25:44
that as well so we're here for people who want to move over people who've just moved over and people they've moved
25:50
lived here for a while and need to you know readdress their finances need to
25:56
understand what's best for them from a tax perspective perspective active in regards to income and regard to
26:02
investing there does seem to be a perception that a lot of people have returned certainly to Britain has that
26:07
been your experience no I think in the last year I've had two people actually
26:13
return to the UK and both of those were very elderly and one partner was quite
26:19
ill and they wanted to be with the family so I think at Blacktail and we can honestly say no we haven't seen that
26:25
happening at all glad to hear it now if you scan across the papers today then
26:32
Manchester United's that might be somewhere where you could put your money given that there's a lot of interest in
26:38
the Premier League club from various potential buyers I don't know whether a
26:44
football club is at the right place to put some of your money into shares if they're possible certainly not mine at
26:49
the moment because they're probably not going to be in the Premiership next season by the look of things today but would that be somewhere perhaps that you
26:57
know in one of the top five or top six clubs but maybe to invest I don't know it's up to you on that one there was
27:03
there is a football fund there was a fund that invested in that was doing something we fought called ball clubs
27:08
I'll have to look into that because being a woman although I do watch the football because my husband likes to watch it and I do enjoy it
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um and I do know what the football teams are and where they are in the league Etc
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um I think you know that could be a possibility but what's the safest investment then because that's what I
27:26
was leading to at the moment what's the what what are the what are the clever people doing that the moment there is no
27:32
safe investment everyone has to understand that well no matter what you do you take a risk all Investments can go up and down
27:39
and the main thing is you know people think cash is safe but it's not if
27:44
you've got inflation at 10 leaving your money in cash it's losing 10 of it so it's buying power anyway so I say to
27:51
people you do need to keep some money in cash everybody needs that as a rainy day fund if you have it but then consider
27:57
investing the rest the markets are down at the moment there's still some very good buyers out there and I think it is
28:03
going to be quite a volatile 2023 I don't think the ftse is going to continue to go up and never go down I
28:09
don't think that will happen in the markets I think we could see another correction where the footsie goes down to about seven five but that shouldn't
28:17
scare people because if you look at the long term investments do outperform and they do
28:23
give you money in the long term and I think that's what people need to bear in mind okay so how do people go about getting
28:30
in touch with you Christina right you can send an email to info at
28:35
Blacktail FM com that says financial management if you 've got Ray radio or Christina Brady
28:41
on it it will come through to me and I will deal with it or I'll pass it on to the best person to deal with it for you
28:47
um you can always go onto our website which is blacktowerfm.com there's a contact sheet there you can fill that in
28:53
again put black tail or Christina you can always call the office which is
28:59
965-05-8212 if we are busy you will go through to the answer machine but don't worry we'll get back to you as soon as
29:05
we can you can always contact Studio at bayradio.fm and they pass everything on
29:12
to me or you can go onto their website if you click onto where we advertise again it will take you through to our
29:18
website and you can fill in a form and we will come back to you usually within 24 hours okay and generally we're
29:25
expecting things to be on the up increase slightly we're not shouldn't be too worried about everything falling
29:32
down around us hey I mean I'm depending on major in current events like you know the the anniversary of the year of the
29:39
war in crying for instance I think we are going to have a volatile year I don't think we're going to have a steep
29:44
uh recovery you know quick recovery I think we are going to have a few more downturns
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um but as I said it is a good time to dip your toe in the market and it depends what amount of risk you want to
29:56
take if you're cautious you know there's some very good cautious Investments out there they're still going to give you quite a good rate of return with you
30:03
know there's always risk as I said but not a lot of risk um so you know I'm not saying 2023 is
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going to be the year of recovery I think we're going to have to wait till 2024 for that but I think you know there are
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opportunities and I think people should grasp those opportunities while they're around super great to talk to you
30:22
Christina thanks very much very much for having me listening and exceeding expectations for over 31 years Black
30:29
Tower financial management the team you want by your side visit blacktowerfm.com
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