I'm a web developer turned full time trader back in 2017. I've studied with some of the best traders from Goldman Sachs and learned to correct ways to trade after years of struggle. Now I wanted to share some of what I am doing and the web based tools I am building to help pro traders analyse the market conditions, find and select great trades more easily.
You can see all my main links here on Linktree: linktr.ee/moocharoo
I am always open to new opportunities, video sponsors, product reviews etc. just ask. and the best place to ask is the contact form on my main site moocharoo.com
Hi. So im currently in a job that i am extremely tired of. And im seriously looking at a change in employment circumstances. I have been thinking a lot about going back to the trades. When i left school, i did an electrical course at college and earned a level 3 NVQ in electrical installations. But never followed it up to become qualified and never did an apprenticeship. Im now 39, and i wish id followed it up. Have i left it too long? I would rather be a handyman and be able to do all kinds of different work. Im naturally well rounded in terms of skill, im good at woodwork/joinery. I can lay bricks, i can do small bits of plastering. All kinds of things. But really only have experience which I've picked up myself through doing jobs for myself and a few other people. I dunno what to do really. My current job pays fairly well and i get 36.5k a year. But like ive said, i really am not happy doing it anymore. I get 0% satisfaction out of it and feel sick when i know i have to go to that job the next day. Advice is welcome. Because im struggling to figure out what i should do. I need to save my sanity somehow.
If you have the option to you should go part-time at your current job for 3-6 months that should give you long enough to get in a few trade jobs and see how you manage with it without completely losing all your income and putting yourself in financial stress. I did this but found after just 4-6 weeks (I can't remember exactly) I ended up quitting my previous job as I just had too much work coming in. The truth is, there is a ton of semi-skilled, lazy and down right rude obnoxious tradesman out-there making a living somehow every day. If you have just an ounce of respect and common sense alongside whatever skills you have, you'll find it is not that hard to find work. We help people start-up and run there businesses. We started out as an "Ex-Forces Handyman", but found that was too much of a restrictive niche. Now we just help out anyone that is interested.
Yeah the system is a scam to keep people poor and having to continue to chase the dream of freedom but most people don't realise they are working for nearly halve a year for free becouse they are giving away to a government that don't give use a say to how they spend our collective money so we are basically slaves at this pint becouse the money we earn isn't enough to buy houses , land , time or freedom no different to the slaves of roaman empire
So you're looking on the 'professional gardeners guild' to find salary rates, but you're cutting grass. It's not comparable. Cutting grass isn't 'gardening', there's no qualification for grass cutting 😅
True, there's no degree for cutting grass-just like there's none for being a barber. But skill and a good eye in both jobs keep clients coming back and the money flowing!
@@CoachingNomad my point is that if you're only cutting grass and hedges, it's not really a 'gardening' business. Those websites you referenced are for gardeners, which is why they refer to 'unqualified/qualified' rates. Grass cutting isn't gardening,it's almost zero skill. I was doing it as a child, I certainly couldn't cut people's hair as a child/young teen
@@waynelewis5656 I did, I was about 13 when I cut a family members hair with clippers and forgetting to put the plastic grade on the front chopped a bald patch on the back of his head. Thank goodness he was a family member and just wore a hat to work for a month 😂 But as for the gardening business, customers from time to time want all kinds of things doing from hedges cut or planted to weeding and flower beds planted. It is just that cutting lawns is the bread and butter week in week out regular work.
Thanks so glad to hear it has helped, being in business costs money. Too many start out charging what they would expect to get if they did it as a job and go out of business pretty quick 👍
I started my handyperson business August 23'. Currently my day rates are £180 due to the fact that I am from Newcastle and this is a side-gig with me being an full-time employee as well. Even though my day rate is £180 which I mainly use on Saturday's and Sunday's I would only work up to 6 hours per-day which still gives me a hourly wage of £30 before tax. But my day rate can be flexible depending on what the scope of the project is and like you said if I need to hire a van or equipment for the job. To this day I am always nervous when giving the client the cost of the job as there isn't really much guidance and the last thing I want is to over charge but also have the money come out of my pocket. So I have learned to add a percentage to every quote that seems reasonable as a financial safety net. I also do enticements such as if there are multiple little jobs that may take a 2-3 hours to do I would charge per-projects on one invoice and give a 15% discount on my labour fees. With the justification of me being at the premises longer, I am not having to drive around or have another expenses come out of my pocket. Let me now if this seems reasonable.
Hi Kelvin seems you have actually gone ahead and done the exact same thing i have been planning for a while, i am in essex and think £180 a day is a very reasonable rate, down here would propably need to charge £200, ar you busy most weekends ?
I do like your idea of adding enticements but personal feel it could be a little hard to comprehend for some customers. I offer something much easier that encourages customers to bundle as many jobs in as possible so that I stay at one house longer and works out cheaper for the customers in the long run. say something like: £50 per hour (minimum call out charge) £150 for a half day ( 4 hous ) £250 for a FULL DAY These are example figures but I'm sure you can see that the customer is much better off lumping all jobs into a full day rather than calling you up once a month for an occasional 30-60 minute job 👍
This is an excellent video comparing changes over time using ratios, rather than nominal figures. This guy know's what he's talking about. One key factor that not many people have addressed is affordability. House prices in real terms (after inflation) are the same today 2024 as they were in 2013. However, the problem is wages have not kept up with inflation, this means affordability is stretched not due to soaring house prices (as quoted by the main stream media because they always talk about house prices in nominal terms not real terms), the problem is real wages have not kept up, thus the affordability issues. We need wage growth in the UK.
Bingo! You are correct. Back in 2008 when real estate had gone up way ahead of wages people lost there jobs and wages stagnated. However so did house prices... House prices never came down to align again with wages, foreign investors from China and the middle-east were buying up all the properties, especially in London. This kept house prices high and now they have been rising again, prices are more expensive than ever for tenants as well as landlords. The average house price should be 3-4 times the average salary. Not 7x average salary!
In the video you asked what we would do with a house that doesnt earn profit... ID F*CKIN LIVE IN IT. i have nothing against land lords but the way i and many renters see things is we are paying your mortgage and after 25-30 years or what ever the mortgage length is you will own that house that is fully payed off and your retirement plan can be ither sell it or continue to rent it. renters on the other hand after 25-30 years will have nothing. im sure most renters like me would prefer to pay £800 to a 25 year mortgage and own a house worth £150k than pay rent. I have nothing against landlords that own 1-2 extra houses to rent out thats fine but when landlords have 10+ houses and keep buying the cheaper houses to "flip" so they can rent them out for more money and are pricing people that want a house to own and live in thats when i have a problem with land lords there just isnt enough supply
In my line of work I've gotten to know many local landlords. Almost all of them buy their properties below market value from flyers and internet marketing campaigns. Mostly only first time buyers and foreign investors buy from estate agents. We do have a lack of houses in this country, especially as the population is growing at an unnatural rate. But the main issue has been the number of foreign investors from China and the middle-east that buy up huge property portfolio's in trusts and limited companies. They don't live in this country, they never even see the houses, they just buy them as investments.
People forget that a good amount of landlords were renters also. The logic also goes both ways, if landlords are buying cheap houses and paying with their own money and possibly labour to make the house nice, there's nothing to stop renters from doing the same if those properties are really as cheap as they say. Also supply and demand for buying and rentals go both ways. Less rentals means higher rents and higher chances for advanced rent offers in order to be competitive with lower stock. This automatically connects to lack of affordability for buying a home. You need a balance of both. But when we are supposed to build 300 thousand plus houses every year and only build half of that since 2000, you tend to get this problem
What about the extremely low birthrate or fertility rate in this country. Maybe monopolising housing for the old is sacrificing the countries future as young people cannot afford housing. UK fertility rate is 1.56 (2021), so without immigration you’d soon have a country full of old people and an economy that stagnates, then slowly crashes.. wait that’s familiar?
yeah I know it is a sad fact of western ideology after WWII. Who would have thought that encouraging women to join the workforce and promoting the idea that they need to work and be 'equal' to men would contribute to a decrease in birth rates? Nowadays, many women are too preoccupied with their careers and financial responsibilities to focus on having children.
No it's worse for landlords but even worse for renters. Wage stagnation means that whilst landlords are still making money. Renters however are screwed. In part because landlords have been buying up of all the houses and forcing people into renting. Couple the scarcity/ house prices forcing them into renting, wage stagnation and rents rising faster than inflation and you can see as a proportion of income renters have less and less money to save to jump on the property ladder. Its almost if its by design.
In this video I added wages to the chart: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7ESVmHnzCR0.html The results are not quite what you might expect. The price to rent ratio is so high and rental yields so low for landlords because house prices are far too high for the average wage in the UK. The data suggests that the main problem especially in London and other big cities is foreign investors in China and the middle-east buying up UK properties as investment portfolio as in their currency the property is cheap and a good stable place to store their wealth. Local UK based landlords are not really the problem, most are just average joe investors looking to supplement their retirement, but a poor 10% gross yield ain't going to do it for all the hassle that comes along with renting out property. What we could do with would be banning non-residents from buying properties in the UK.
Anyone can get a BTL property and have "the asset paid for by someone else", BTL mortgages not based on the lenders finances but the properties earning potential. See more data on wages and more added in the next video along with the reason why we are in this bad situation: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7ESVmHnzCR0.html
Prices are too high for everyone, renters, those looking for a home mortgage and those from for a BTL investment to supplement their retirement. See the further data in the next video and you'll see the problem is not the poor UK based landlords but foreign investors from China and the middle-east that are buying up the UK real estate not allowing prices to fall back down to come inline with UK wages. This problem is not helping anyone living, working or retiring here in the UK: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7ESVmHnzCR0.html
@@CoachingNomad Renters arent faced with homelessness if they can't afford the rent in a market that is inflated by their behaviours. They are just trying to exist. The market is like this because of landlords specifically people that own more than one property.
It’s just a thought, but landlords have two ways to earn money from properties, yes rent being paid is one, but capital appreciation also needs to be considered, as house prices also go up.
Honestly the UK based landlords would prefer the house prices to come down inline with UK wages. That would mean it would be easier to find tenants that can afford the rent and less likely to default, not to mention cheaper to buy more houses and enjoy a much higher Gross Annual Yield. In this next video I go into the data on why the prices never dropped in the 2008 crash, the problem is international investors from China and the middle-east buying up real estate portfolio's in the UK: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7ESVmHnzCR0.html All the rules the UK keep coming out with for landlords never apply to foreign investors, they aren't going to send the Police to China to go and arrest a rouge Chinese based landlord, and tax law changes also have no impact as they pay taxes in their own country!
The problem is obvious - fiat currency has inflation built in by design. The level of that inflation is a policy choice, and that choice is made by central banks/government. It didn’t have to be this way…
Problem for us, benefit to them. This, incidentally, is why Fiat currency was created to begin with. So that it could be made sure wealth remained in the hands of those who traditionally had it.
Problem is that although the British pound used to be gold, we sold the vast majority of our Nations gold to America during WWII in exchange for bombs, tanks, planes etc. (bit like what they are doing with Ukraine) 😳 What little we had left after the war was sold off by Gordon Brown in 1999 when he was chancellor. Right now we have nothing of any value left to back a currency of our own, all we really have is Monopoly money and some wishful thinking 😅
I would love to see the same graphs for take home pay, and 'occupation' of property - i.e. how much has just been bought by overseas people and is held empty (anecdotally, the block of flats I live in in London is barely 50% occupied), or simply "Air BnB'd". In terms of solutions, well they need to be driven by this information - find out where the problem actually lies before making too many knee jerk reactions. But one thing I would consider is making it much simpler to convert commercial property into residential property - not be too afraid to tear up zoning restrictions in this regard, and bring people back into city centres.
All superb questions and very much inline with what I shared in this "sort of" follow up video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7ESVmHnzCR0.html Much of what you have mentioned I have talked about in this video as well as adding average wages to the chart 😬 I'll be honest it does paint a pretty grim picture for the UK. Not a problem that is going to sort itself out over time without massive reform...
I work in London and I charge £90 each for flush and tilt mount so £180 for 2. If full motion, anywhere between £120 to £200 each depending on if the wall need to be reinforced.
Just stumbled onto this video. We do property maintenance and wouldn’t entertain that job for anything less than £75. The time it takes to drive there, to do the job and what not. £50 is low. How any business is surviving charging that is beyond me. We charge £60 for the 1st hour and then £45 an hour thereafter.
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Hi, You are making amazing videos! Loved your recent video on your RU-vid channel! I am an exclusive viewer of your channel and try to, watch every video you make. What is your goal for your channel? Your videos are incredibly insightful and entertaining. Keep up the great work.
Under pricing yourself and being the cheap guy isn't the way forward. You'll always be known as the cheap guy rather than the guy that provides a quality assured finish. I would want to be paid for the skill set I offer rather than to be paid for being cheap. If the customer doesn't like the price, you will always find another job to do and they can find themselves another trader who is happy to be called the cheap guy lol
Totally think you are undercutting yourself at even £50. I'd be charging at least £35 to £40 each TV and bracket. No way would I be travelling that far for £11+ an hour.
Hello and good afternoon. I hope that you are well. I reached out on RU-vid asking about a side hustle. I would be super grateful for some help as I am really struggling with living costs in England Uk. Please don't lie though, as a lot of people have been wasting my time to add me on WhatsApp, and they tell me to deposit money. I am a genuine guy who is just struggling with living costs and would be very grateful for some help. Thank You
I paid a fella £75 7 years ago to fit a coaxial cable from the TV to the wall socket😅 The next day he came back to fit the wall bracket and he charged me another 75.
I'm professional handyman in Birmingham, running my business for 3+ years. I was as cheap during my first year, when I still was employed as a maintenance manager in the hotel. It was a covid time, furloughs etc. Basically I had a very smooth transition, ideal i'd say. And yes, cheap rates in beginning, was touching the grounds, understanding what it is to run a business - customer service, taxes, insurances, advertising, web presence, van stocks etc. Now my minimum call out is £100, it includes up to 2 hours of labour. During these 3 years I have invested shit loads of money into my tools for bigger projects - mitre saws, table saws, compressors, compactor plates, nail guns etc; I always have in the van stuff like all kinds of screws, all sorts of fixings, nails, bolts, metal washers, plumbing washers, tap glands, isolators, sockets, switches, hinges, cables, drain rods, ladders, mixers. You name it. And I have absolutely clear idea where everything is, you wake me up 3am i'll find it in a minute, because every week max two I take all the shit out from the van and reset it - clean up, vacuum, blow, sharpen, put everything back in order. So that I can be EFFICIENT in these 2 hours. I consider myself as a professional handyman as I'm pretty much ready for any case scenario. Yes it may be steep. But let's be honest - what is 100 quid now ? to go restaurant with your missus? Weekly shopping ? Just about full tank for a van? Call out a handyman to hang a TV and couple of floating shelves ? hm. If you are running a small business as Handyman, then you are the one who is dealing with keeping up all your admin stuff up to date - insurances/MOTs/accounts/advert analytics/social media presence/work scheduling/van stock, you are the one who's taking the phone calls, processing the enquiries, making quotes, generating invoices and being stressed about what if there will be no job tomorrow. Hm, by the way man, there's no one to pay your holidays and sick pays. So your rates gotta include some part that you should save for time off unless you want to burn out in a year/two. Also, you are the one who is gonna be carrying out the actual work. And also don't forget about your family, you probably have a wife and kids and maybe parents, who would love to see you also. My business running costs are about 10k/year. Honestly, for all this hustle that is included by running your own business - I don't even want to think about having less than 50k/year. Why?! If with all these experience, knowledge and set of tools I can get myself a job in pretty much same field - ie kitchen fitter for 35k/year. Without any of this admin, customer service, and other hustle also you can complain about your working conditions if you feel you're being mistreated, if you are self employed and you are mistreated normally you just eat it. Work monday-friday, 8 to 4 f*ck off - clear head. working weekends or overtime - higher rate. bingo. When someone says he doesn't mind to exchange 2 hours of his life for 40 quids... lets even calculate you are a robot and everything goes smooth, no holidays, no time off due to sickness, just weekends to relax. 2 hrs, you can potentially do 4x jobs a day that's £160/day. 5 days a week, 52 weeks. £160*5*52=£41600 that's your IDEAL outcome. However it will NEVER happen as practice shows. realistically your billable time will be good IF 60%, even let's say you are a genius and somehow managed to bring this figure to 80%, you'll have £33280, pay about 4 grands taxes out of it, 1k accounts, 1.5k adverts, 1,5k van fuel, 1,5k tools and consumables, about 700 for MOT and services. 33280-4000-1000-1500-1500-1500-700 and you are left with 23k. You'll get less if you'll plan to go holidays. with this setup - forget about getting a new van anytime soon. actually never. Idk what kind of education you can afford your kids with such income man. So my question now. Why someone is supposed to have a headache of running a business If he's literally doing pretty much bare minimum wage ? It's just doesn't make any sense. Seriously. I want to shout out - WTF!?
In all honesty it has nothing to do with the coin but the country you have tax residence in and whether or not they have capital gains tax. The coins saying "no tax man" is really just a joke haha... In you US, UK, Canada etc you will find the tax man will be hunting you down pretty quick if you fail to declare your crypto earnings 😳
law cops? I imagine you mean low caps... I track the average true range percentage changes of the mega, high, mid, low and micro caps over at: moocharoo.ninja/fundamental-analysis.html You can see the stats for yourself, there are an awful lot of low/micro caps and they never get anywhere as not enough of a community behind them to get them off the ground. In most cases the expected returns are no better than the high and mid cap coins.
Hey, thanks! Nice to be remembered. I thought I would never do another crypto video after the shadow ban but just been enjoying this too much not to share. From now on though I will be nolonger making crypto only content but a mix of investment adventures as don't fancy getting a second channel destroyed 😎👍
Not really as I copied the numbers over to make the slides by hand, I may well have made a typo. The original numbers came direct from coinmarketcap API data. It was 9,900% ROI, but only if it makes it, nothing is guaranteed in crypto
I could perhaps do an entire video on that, maybe boring though haha... basically just by calculating the averages of all other meme coins during their first bullrun cycle and weighting them towards meme coins that came out towards the start of a cycle rather than the ones that come late closer to the bear market.
When coins get popular scammers create a ton of alt-coins using the similar names and images to make a quick buck, just like Doge, then came babydoge, elondoge, dogecoin etc. There are many more Pepe fakes out there feeding off the Pepe brand right now.
Trump with Hat haha... that is a new one on me 😝 The problem I find with these types of coins is that they are very time limited. Like who would invest in clintoncoin today. Boden did well for awhile but if he loses the election the coin would be dead over night. Personally I think it is best to not invest in coins where the value to tied to a personality.
Yeah many shit platforms out there that stock a limited number of coins. Its always a good idea to go to the Markets section on coinmarketcap and find out which exchange has a good amount of liquidity (volume being traded each day). coinmarketcap.com/currencies/pepe/#Markets
@@CoachingNomad same thing with a few other coins that are out and that are not being traded on Kraken... i'm debating going to an ATM... they kind of scare me
