PyAudio Tutorial - Search Videos

Let’s normalise imperfection ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. | Chris Exley Money Geek

Let’s normalise imperfection ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. | Chris Exley Money Geek

7.9K views10 months ago

FacebookChris Exley Money Geek

Chris Exley • Financial Planning Expert on Instagram: "🇺🇸 The S&P 500 did 16.4% in 2025. Sounds decent… until you zoom out. Most developed markets outside the US beat it last year. Some absolutely SMASHED it. Now, bear in mind these numbers are based against USD which grew weaker in 2025 giving other indexes a boost… And yet most investors still put nearly everything into America. That absolutely makes sense given the US market has been the best performing for quite some time... It also makes

Chris Exley • Financial Planning Expert on Instagram: "🇺🇸 The S&P 500 did 16.4% in 2025. Sounds decent… until you zoom out. Most developed markets outside the US beat it last year. Some absolutely SMASHED it. Now, bear in mind these numbers are based against USD which grew weaker in 2025 giving other indexes a boost… And yet most investors still put nearly everything into America. That absolutely makes sense given the US market has been the best performing for quite some time... It also makes

748.9K views9 months ago

Instagramchris.moneygeek

Chris Exley • Financial Planning Expert on Instagram: "The average Brit will not be truly comfortable in retirement. That is the sad truth! But the longer you have, the more power is in your hands. At age 40, the level of contributions required based on this illustration are manageable for many with good management - especially when you consider employer contributions have to be factored in as well. How do you feel you’re getting on with your retirement plan? How are you working out whether you’

Chris Exley • Financial Planning Expert on Instagram: "The average Brit will not be truly comfortable in retirement. That is the sad truth! But the longer you have, the more power is in your hands. At age 40, the level of contributions required based on this illustration are manageable for many with good management - especially when you consider employer contributions have to be factored in as well. How do you feel you’re getting on with your retirement plan? How are you working out whether you’

500.8K views10 months ago

Instagramchris.moneygeek

Chris Exley • Financial Planning Expert on Instagram: "Is this surprising? Gold at number 3… Barely any active funds in this list… This is based on £ net inflows through AJ Bells DIY investing platform. There’re lots of reasons why funds could end up on this list - many of them have nothing to do with them being right. But what do you think. Do these align with your investment approach? Let me know in the comments. ⚠️ This content is not financial advice and should be used for educational purpos

Chris Exley • Financial Planning Expert on Instagram: "Is this surprising? Gold at number 3… Barely any active funds in this list… This is based on £ net inflows through AJ Bells DIY investing platform. There’re lots of reasons why funds could end up on this list - many of them have nothing to do with them being right. But what do you think. Do these align with your investment approach? Let me know in the comments. ⚠️ This content is not financial advice and should be used for educational purpos

271.6K views10 months ago

Instagramchris.moneygeek

Chris Exley • Financial Planning Expert on Instagram: "If you had £1m in a pension at age 60… How long could it last? I’ve done the modelling. Comment MAP and get your own modeller tool for free! *⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.* Investing over the long term typically outperforms cash savings, but values can fall as well as ris

Chris Exley • Financial Planning Expert on Instagram: "If you had £1m in a pension at age 60… How long could it last? I’ve done the modelling. Comment MAP and get your own modeller tool for free! *⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.* Investing over the long term typically outperforms cash savings, but values can fall as well as ris

150.6K views8 months ago

Instagramchris.moneygeek

Chris Exley on Instagram: "Most people don’t realise they effectively pay for their home twice. Once in capital. And again in interest. But a small change can make a big difference. A standard 30-year mortgage is front-loaded with interest. In year one, around half your payment goes straight to the bank. That’s why checking your overpayment allowance matters. Even £100/month can cut years off the term and save tens of thousands in interest. It’s not about throwing huge sums at the mortgage. It’s

Chris Exley on Instagram: "Most people don’t realise they effectively pay for their home twice. Once in capital. And again in interest. But a small change can make a big difference. A standard 30-year mortgage is front-loaded with interest. In year one, around half your payment goes straight to the bank. That’s why checking your overpayment allowance matters. Even £100/month can cut years off the term and save tens of thousands in interest. It’s not about throwing huge sums at the mortgage. It’s

28.7K views11 months ago

Instagramchris.moneygeek

Chris Exley on Instagram: "We’re so used to getting immediate feedback - a dopamine rush when we spend money or complete a task. With compound growth - first it’s not guaranteed and will not work in a linear fashion like depicted here. Some years may be higher, other years will be losses. But compounding means the greater returns come later on as your pot builds. If you want me to send you over the Google Sheet I used to make the graph here - just comment COMPOUND CALC and i’ll send it over. No

Chris Exley on Instagram: "We’re so used to getting immediate feedback - a dopamine rush when we spend money or complete a task. With compound growth - first it’s not guaranteed and will not work in a linear fashion like depicted here. Some years may be higher, other years will be losses. But compounding means the greater returns come later on as your pot builds. If you want me to send you over the Google Sheet I used to make the graph here - just comment COMPOUND CALC and i’ll send it over. No

103.6K views10 months ago

Instagramchris.moneygeek

Chris Exley on Instagram: "I’ve seen so much heartbreak. So much wasted energy. On house purchases that have fallen through. It’s happened to almost everyone at least once. When I sold my last house a few years back, the reason given for the buyer pulling out 4 months down the road was that they wanted a bungalow… Which my house was not. That cost us around £20k all in since we then had to accept a lower sale price in order to hold on to the house we were buying. What was your experience of a fa

20.7K views9 months ago

Instagramchris.moneygeek

It’s all well and good having that £100k pension. But how long could it ACTUALLY last… That’s a very personal question. But we can crunch the numbers and look at it mathematically. Of course reality is different - defining a sustainable and passive income strategy is incredibly bespoke and personal - which is why it’s so important to either do your own maths using a reliable calculator, or seek personal and professional advice. Does this tally with what you’d expect based on the assumptions? *⚠️

145.5K viewsOct 9, 2025

FacebookChris Exley Money Geek

So before you jump in an question the £60k figure... It’s not mine! Its base on the retirement living standards survey. Here’s a breakdown: £600/yr property maintenance and £300/yr contingency. £134/wk on food. £85/wk meals out. £32/wk on takeaways. £105/mo to take others out to eat. 3 year old small car replaced every 5 years. £22/mo on taxis. £208/yr on rail fares. A fortnight 4* holiday in the med every year with £100/day spending per person. 3x long weekend breaks in the UK with £400 spendin

140.8K views11 months ago

FacebookChris Exley Money Geek

This is what it looks like... £50k after tax and pensions is about £3,100 per month. Take these illustrative costs of a single person within commuting distance to London... Do these numbers seem accurate? £50k is an above average income, with the national average being somewhere between £35-£40k. What am I missing on the list? Does it ring true for you? And what happens if we include kids? Surely then it’s unsustainable... ⚠️ This content is not financial advice and should be used for educationa

693.2K views11 months ago

FacebookChris Exley Money Geek

There’s a lot of talk about the triple lock… But is the state pension really enough? It’s said the average state pension in Spain is closer to £15,000. In Norway the average is £22,000… Whatever your opinion, I think it’s reasonable to say if anything the state pension could get smaller. It’s up to us to figure out if an how we fill the gap. ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal

115.4K viewsSep 29, 2025

FacebookChris Exley Money Geek

You’ve just got a £20k bonus… What would you do with it. These are the options I can think of - have I missed anything? This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. HMRC tax rules and practice are complex and subject to change. Figures are for illustrative purposes only. Your home may be repossessed if you do not keep up repayments on your mor

29.2K views10 months ago

FacebookChris Exley Money Geek

If you want to retire early… Your SIPP or workplace pension isn’t enough. Regardless of its size! Because from 2028, you can’t get your hands on it until age 57! That’s where the ISA bridge comes in. ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. | Chris Exley Money Geek

26K views9 months ago

FacebookChris Exley Money Geek

The UK has a productivity problem. I read an article recently on the BBC that said for every 0.1 percentage point downgrade in productivity forecasts, govt borrowing would increase by £7bn by 2029. And the plan is to plug that gap by rising taxes even more. Probably on small businesses. Is this expected to improve productivity, or is it just a sticking plaster? ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and cons

148.1K views11 months ago

FacebookChris Exley Money Geek

I’m not here to judge. I personally know someone who won £1m on a scratch card - it changed their life. And of course I dabble in the occasional scratch card or lottery ticket... But for most of us, the big win will never happen. We’re so trained to chase short term wins, but it’s the long term sustained habits that based on historical data are more likely to deliver long term wealth. And bad habits can be just as damaging as good habits are transformative over a long time horizon. ⚠️ This conte

144K views11 months ago

FacebookChris Exley Money Geek

Another tax rise incoming? It’s inevitable given the rhetoric… The govt is looking at adding National Insurance on all rental income. The sad thing is this is bound to impact tenants and smaller landlords if it goes through (which I doubt it will…) Small landlords with leveraged properties already pay more tax than most Brits due to the way mortgage interest is treated. ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research

116.1K viewsSep 30, 2025

FacebookChris Exley Money Geek

Loads of people get this wrong. But actually - it’s quite simple. With your standard defined contribution pension, you’ve broadly got 4 options: Tax free cash Fixed income for life Flexible Access A combination of the above Bear in mind - the pension and annuity market is constantly changing and evolving - for example variable annuities are often available with complex income structures and guarantee options. ⚠️ This content is not financial advice and should be used for educational purposes onl

108.6K views10 months ago

FacebookChris Exley Money Geek

Real wealth is all about getting to a point where you stop trading time for money. Save this post and comment “START” to get instant access to the MoneyGeek Notion Dashboard for 10 Tools, Budgeting and Asset Management Dashboards PLUS we’ll sign up to my weekly Digest... 2026 is going to be a BIG YEAR. Make sure you follow @chris.moneygeek for more saving, investing and planning tips. ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do yo

105.2K views10 months ago

FacebookChris Exley Money Geek

You see the 6 figure salary... But you don’t see the £1000s spent in tax and national insurance. The 100s of hours spent working for someone else. Here’s the thing though: Sometimes, Brits end up with a tax bill bigger than it needs to be. There are responsible ways to reduce this liability: - Filing your returns properly - Claiming any benefits or allowances you’re entitled to. - Tax efficient planning using tools like pensions and ISAs etc. The system isn’t built for high earners on PAYE right

89.3K viewsOct 3, 2025

FacebookChris Exley Money Geek

Tax free allowances for 25/26 tax year. Use them or lose them (notwithstanding pension carry forward - but that’s another post!) ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. Taxation can be complex and individual circumstances vary significantly. Factors such as existing tax codes, other sources of income, pension arrangements, and specific

85.5K views8 months ago

FacebookChris Exley Money Geek

I get it... No one actually does this - partly because of the punishing progressive tax system we have in the UK. But something to get you thinking... Have you heard of ‘Hedonic adaption’? It’s the idea that as someone makes more money, their expectations rise - they buy more and more stuff and meanwhile they don’t actually get any happier. The same follows for spending less. If this family was to live on £100k, they’d still be ahead of the majority of households. Would they be any less happy? |

8.8K viewsOct 22, 2025

FacebookChris Exley Money Geek

Starbucks paid £0 UK corporation tax. After £525m in revenue. This isn’t conspiracy. It isn’t illegal. It’s how the system works. Meanwhile, PAYE earners are told to “do their bit” and small businesses don’t get the same levers. I’m not saying boycott anyone. I am saying understand the rules. Because if you don’t understand how money, tax and incentives actually work — you always end up paying more. Support local. Buy independent. (Source: The Guardian & Companies House) ⚠️ This content is not f

3.6K views9 months ago

FacebookChris Exley Money Geek

Most people think retirement saving is only about your income. It isn’t. Yes - tax relief is limited by your income, but contributions do not strictly have to be funded from your earned income. When it comes to gifting: A few important points worth understanding > The £3,000 gift uses the annual IHT exemption – completely outside the estate immediately. > Larger or regular gifts could also fall outside the estate under “normal expenditure out of income” rules, if they’re affordable and don’t red

176.4K views9 months ago

FacebookChris Exley Money Geek

People just aren’t told this. You can typically take up to 25% of your defined contribution pension tax free after age 55 (57 from 2028). Now, historically pension tax free cash was generally taken as one big chunk. But that no longer has to be the case. It’s now possible to take chunks of that tax free cash as needed. This is especially important with frozen tax allowances. Any questions - pop them in the comments. ⚠️ This content is not financial advice and should be used for educational purpo

59.4K views9 months ago

FacebookChris Exley Money Geek

This is the fear… The JISA allowance is £9k/yr and it enables kids to save and invest. But the money is locked away until they’re 18, at which point they get full control. For parents who have their own ISA allowance available - is there something to be said for just using this instead? ⚠️ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions. Investing

44K views10 months ago

FacebookChris Exley Money Geek

Here’s what you need to do instead: But you can elect not to claim it. This will ensure you qualify for National Insurance credits (towards the 35 years needed for a full state pension), even if you’re not working. The tax system in the UK can seem punitive to those earning 6 figures. Is it worth paying all that extra tax to have a parent at home? Once you’ve hit the £100k threshold, you’ll have an effective 60% tax bracket to look forward to up until £125,000 and 45% thereafter. If you want mor

31K viewsFeb 14, 2025

FacebookChris Exley Money Geek

Here is what they’ve said: The following rules will be introduced to avoid circumvention of the lower limit for cash ISAs: 1) No transfers from stocks and shares to cash ISAs 2) Tests to determine whether an investment is eligible to be held in a stocks and shares ISA or is ‘cash like’ 3) A charge on any interest paid on cash held in a Stocks and Shares ISA Consultation will go on for a year or so. More uncertainty over what should be long term investment vehicles. The issue with this is many we

130.3K views10 months ago

FacebookChris Exley Money Geek

Chris Exley on Instagram: "Salary sacrifice has been one of the few genuinely effective ways to help people build a decent pension. That’s now changing. The government has announced that from 2029, only £2,000 per year of salary sacrifice will be free from National Insurance. Anything above that will attract NI for both employees and employers. Right now, people can sacrifice far more – which is why strategies like the one in this video can save thousands each year. According to the OBR, the cha

1.2M views9 months ago

Instagramchris.moneygeek

I had to double take when I saw this reported. And these two figures lie on the extremity of our tax system. But is it fair that the £150k earner pays 17x more tax in addition to losing access to benefits such as free childcare and child benefit… The problem I have with this is there are single earner £150k households who work hard, have a good quality of life, but are still living month to month. With frozen tax bands, more and more people will get pulled into this punitive tax position. If the

40.2K views10 months ago

FacebookChris Exley Money Geek

See more

Short videos

How to Check Internet Speed Using Speedtest by Ookla 🌐 | Test Your WiFi & Mobile Data

9.4K views7 months ago

how to check your internet speed | speed test, internet speed, speedtest | real-time

1.7K views3 months ago

YouTubeTech vlog AK

Use This Free Microsoft App to Test Your Internet Speed!

91 views4 months ago

YouTubeDalDalPeppiTech

How to Check Internet Speed in Windows 11! #Shorts #windows11

148 views1 month ago

YouTubeMy Idea Tech

Smart Ping Test: Smart Omega vs ONIC PH Connection Check

324.8K views1 month ago

TikTokmplph_official

Free Internet Speed Meter & Test – WiFi, 4G, 5G

175 views2 months ago

YouTubeThành Nguyễn

⚡ Is Your Internet Really This Fast?

26 views3 months ago

YouTubeCode Corner News

The Truth About Internet Speed Tests

127 views2 months ago

YouTubeProBetSmart

🚀 Check Your REAL Internet Speed! #reels #shorts #internet

1.3K views3 months ago

YouTubeSharda Computer

Ping Test Explained in 30 Seconds Check Your Internet Speed Fast

522 views6 months ago

YouTubeTips Howto

Starlink Internet Speed Test 🚀 How Fast Is Starlink Really?

764 views1 month ago

YouTubeResearch Rocks

Upload vs Download Speed: What Actually Makes Home Internet Fast

4.7K views3 months ago

Starlink Internet Speed Test – Is It Really Fast? #starlink

172 views5 months ago

YouTubeIT Solutions Pro

Most Likely To — Twin Telepathy: Boss & Employee Edition

386.6K views1 month ago

TikTokallformimi

Check Internet Speed on Mobile: Easy Steps for Infinix & Ufone

334.4K views5 months ago

TikTokshahzad.umati

these are starting to pop up in random places and they always at least get a gig, so they are

16.8K views3 weeks ago

TikTokspeed.testing

herramientas Ti para técnicos 👷🏾‍♂️📡@networkspro1 🇨🇴#tecnicoleto

189K views4 weeks ago

TikToktecnicoleto

Internet Speed Test: Telenor, Zong, Jazz, Ufone Comparison

803.7K viewsJan 27, 2024

TikTokmr..mr007

SMART PING TEST: AP BREN VS TLPH Before the games begin, let’s see how AP Bren

314.9K views1 month ago

TikTokmplph_official

MAHAR NET WiFi 30–40 Mbps Unlimited — No Setup, No Contract

5.4K views2 weeks ago

TikTokmahar.net.wifi.sa24925