Your IMPORTANT Weekly Briefing: (7th November 2025)

The Neil McCoy-Ward Newsletter

November 07, 2025

Opening Note…

Welcome back to this week’s newsletter!

From a personal perspective, I’ve been writing all week… and you know what that means… yes, I'll be launching a new program before you know it.

And like all of my programs, they come from student feedback and usually build upon a previous course or bridge the gap between two previous courses. The idea is that eventually - I'll have left no stone unturned. This will result in any question you could ever have on making, growing and securing your MONEY will have been answered via the programs.

The next program will bridge the gap between the ‘Rapid Cashflow Builder’ and the ‘Stock Market Investment’ program. I haven’t settled on a name yet, but the idea will be around creating Passive Income, via Digital Products and Services that you can make and sell from pretty much anywhere in the world on autopilot.

And not only that, I'll also show you how to both market and sell the products too!

But I won't get ahead of myself here, the programs are still a good way off yet… just know that I’m working on them for at least 2-3 hours every day.

Now let's break down the latest...

Table of Contents

1. Weekly Spotlight

New York’s New Mayor

I’m sure like me, you’ve been following the news on the New York mayoral election this week, and honestly, despite suspecting that he was going to win, I’m still surprised by the result. If you don't know, New York just picked Zohran Mamdani, a 34-year-old self-proclaimed socialist (borderline communist?), to run one of the world’s wealthy cities.

I mean, what could go wrong? A socialist running Wall Street, ha! Wall St may be called something else in time, like ‘Palm Street’ … (when it leaves NY).

Mamdani is promising free public transport, rent freezes, taxes on the rich, city-run grocery stores, and universal childcare. It sounds like a wish list for many. No wonder he got in.

Mamdani won by just over 50%, mostly by turning out younger voters and progressive groups, while the rest of the field split the moderate vote. Like most left wing politicians, his campaign leaned heavily on emotion, stories about inequality, evictions, and the 1% hoarding wealth. He positioned himself as the anti-establishment saviour at a time when voters are angry and exhausted. He played it well, I’ll give him that.

However, New York isn’t a blank slate. It’s a city with one of the biggest municipal debts in the U.S., enormous pension costs, and an unstable post-lockdowns tax base. The people and companies he wants to tax, are already the ones most able to move elsewhere, and many are doing just that.

If he really pushes his plans, here’s what I suspect might happen next:

  • Big employers could freeze hiring or relocate, decreasing the city’s revenue.

  • Property investment could dry up if rent freezes return.

  • His promises could end up being funded by even more borrowing, setting up a future crisis that someone else has to clean up.

Trump made no secret of his disapproval of Zohran Mamdani. He publicly labelled Mamdani a “communist” and warned that if Mamdani won the mayor’s office, federal funding to New York City would be minimal under his watch. 

I’d say to get your favourite comfy seat ready for this one with a bucket of popcorn…

2. Quick Takes

Here are the top stories shaping the week:

  • UN Lifts Sanctions On New Syrian Leader Ahead Of Trump Meeting

    The UN Security Council just dropped sanctions on Syria’s President Ahmed al-Sharaa and his interior minister, clearing the way for Sharaa’s meeting with Trump at the White House on Monday. The U.S. pushed hard for this, and the vote passed 14–0 with China sitting out. It’s part of Trump’s recent pivot; he’s already lifted U.S. sanctions, calling Sharaa a “tough guy” who’s making “progress.” China abstained, stating Uyghur extremists in Syria, while Russia backed the move as long-overdue support for Syrians to rebuild. 

  • Electric Car Drivers Face 3p-Per-Mile Tax From 2028

    EV owners could soon be billed for every mile they drive, with Rachel Reeves planning a 3p-per-mile charge to plug the fuel duty gap. The scheme would cost the average electric driver around £279 a year. Ministers call it “fair,” arguing petrol drivers already pay roughly £600 in fuel duty. The new tax would be rolled into VED payments under a “VED+” model, where drivers estimate mileage upfront and top up later if needed. The Treasury says there’ll be no live tracking, but odometer checks may come later. With fuel duty raising £25bn a year and billions vanishing as EV sales surge, the policy could bring in £1.8bn by 2031. - yet another rug pull by the government, and no doubt the odometer will be for more than tracking mileage. I made a very detailed video on this only yesterday if you would care to watch it - even an 87 year old subscriber named ‘Marge’ said it was a ‘good video’ - so there we go… !

  • US Layoffs Hit 22-Year High As AI Cuts Deep

    October saw 153,000 job cuts across the US, the worst for that month in over two decades. Nearly 1.1 million layoffs have been announced this year, as companies slash costs and swap people for AI. Firms that over hired during the lockdowns are now reversing course amid weaker consumer spending and rising costs. The Fed has already trimmed interest rates twice, worried about the cooling jobs market, but the government shutdown has paused official employment data. With new roles harder to find, analysts warn the slowdown could snowball into 2026.

  • Scottish Extremism Referrals Jump 42% In A Year
    Scotland’s ‘counter-terror prevent scheme’ logged a record 162 referrals last year, up 42% from 114 the year before. Most cases involved young men aged 15–20, and nearly four in ten were children under 15. Police Scotland says reports spiked after the Southport child murders by Axel Rudakubana, whose earlier warnings were missed. Schools made dozens of referrals, mainly from secondary pupils. The west of Scotland saw the most reports.

  • China Orders State-Funded Data Centres To Ditch Foreign AI Chips

    Beijing has told all state-backed data centre projects to use only Chinese-made AI chips, effectively banning Nvidia, AMD, and Intel from future builds. Any sites less than 30% complete must rip out foreign hardware or cancel orders entirely. The order could freeze billions in planned projects and kill Nvidia’s hopes of regaining its China market share after holding 95% of it just three years ago. The move comes days after Beijing handed Trump a list of “red lines,” virtually daring him to retaliate. China’s new rule cements its drive for AI chip self-sufficiency, but it also risks deepening its tech lag, with U.S. firms racing ahead under looser restrictions. 

  • US To Slash Flights As Shutdown Cripples Air Traffic Control

    The FAA will cut flights by 10% at 40 major US airports from TODAY, citing a growing shortage of air traffic controllers during the record-breaking government shutdown. Transportation Secretary Sean Duffy said the move is about “safety, not politics,” with staffing down by roughly 2,000 and absences climbing as unpaid workers stay home. The agency is dangling bonuses to keep senior controllers on duty and fast-tracking trainees, but Duffy warned more cuts could follow if “the data goes the wrong way.”

  • Trump Team Weighs Military Strikes And Regime Change In Venezuela

    Trump’s White House is reportedly reviewing plans for military action in Venezuela. From airstrikes on military sites to seizing oil fields or even targeting President Nicolás Maduro himself. The DOJ is said to be drafting legal cover under a “narcoterrorism” pretext, arguing Maduro works with the Cartel de los Soles. Secretary of State Marco Rubio is leading the hawkish push, joined by Stephen Miller, while Trump appears hesitant, wary of U.S. casualties and political blowback. The Pentagon has already amassed over 16,000 troops and sailors in the Caribbean, with the USS Gerald R. Ford carrier group on standby. Russia, Maduro’s main ally, says it’s watching closely as tensions mount - Another escalation point for us to keep an eye on. It could be nothing, or it could be a new front.

  • First-Time Homebuyer Age Hits 40 As Market Locks Out The Young
    The median first-time homebuyer in America is now 40 years old, the oldest on record, as housing affordability hits rock bottom. The National Association of Realtors says first-time buyers make up just 21% of sales, the lowest share since tracking began in 1981. A generation ago, most first-timers were in their late 20s; now they’re competing with cash-flush investors and older repeat buyers. The shift means younger Americans are missing out on years of home equity, roughly $150,000 lost - if buying at 40 instead of 30, according to NAR. The average repeat buyer is now 62, with 76% of buyers child-free, showing how far the family-home ideal has slipped.

  • Christmas Market Axed In Overath Amid Soaring Security Costs

    The Christmas market in Overath, near Cologne, has been cancelled after organisers said they couldn’t afford the rising cost of terror protection. The town refused to cover the bill, effectively ending a long-standing local tradition. Officials say the security measures, concrete barriers, police patrols, and anti-vehicle defences pushed costs beyond reach. The decision follows a string of attacks at German festivals over the past decade, leaving many smaller markets struggling to open safely. - If you’d read the MSM take on this, you would have thought it was all misinformation and that it's because market stalls couldn't afford to open.

  • Britons Losing Pride As Culture Wars Deepen

    Less than half of Britons now say they feel proud of their country, dropping from 56% to 46% in five years, according to new KCL research. Nearly nine in ten think Britain is divided, and tension between migrants and UK-born citizens has hit a record 86%. Half say British culture is changing too fast, and almost half want the country “the way it used to be.”

NEIL’S TAKEAWAYS:

The New York Fed just reported that U.S. household debt has hit a record $18.6 trillion, that’s nearly $200 billion added in just three months. Most of that, as usual, sits in mortgages, at around $13.5 trillion. But it’s the credit cards that are flashing red right now. Balances have jumped past $1.23 trillion, and delinquencies are the highest we’ve seen since 2011.

And it doesn’t stop there. Bankruptcies have climbed to their highest level since 2020. Think back to 2020 for a moment. We had stimulus money, payment pauses, and record-low interest rates. Those things helped keep families above water when everything shut down. But those supports are no longer in place. Living costs have climbed, wages haven’t really kept up, and there’s not much of a safety net left. So when bankruptcies start rising again, it’s a clear sign that people have run out of debt capacity.

Meanwhile, on the policy front, the Supreme Court is reviewing the legality of President Trump’s new tariff plan, which aims to reassert trade control under emergency powers. The administration has hinted that if the court blocks it, they’ll find “other authorities” to enforce the tariffs.

Prepare: Watch credit trends closely. Rising delinquencies tend to lead to spending slowdowns and job losses for several months. As delinquencies are higher, it's a good idea to avoid over-leveraged sectors. Retail, autos, and housing are most vulnerable to a pullback in consumer credit. As for the policy change, we will have to keep an eye on what happens.

If you haven’t watched my monthly macro investment video yet this month (1hr 10 mins long), it’s a MUST. I posted it just a couple of days ago. In it, I break down the risks as well as the opportunities I see for you… Oh, and Patreon members get my monthly stock picks too… so… yeah, it’s a good deal - check it out HERE

Across Europe
The IMF has warned that Europe is “living beyond its means.” Both public and private debt are climbing quickly, yet growth remains sluggish. If nothing changes, total debt across the continent could reach 130% of GDP by 2040, a level that simply isn’t sustainable without real productivity gains. The problem is, governments keep spending as if the boom never ended - on green initiatives, defence, and welfare programs, but the output just isn’t keeping up. 

The latest vote at the Bank of England kept rates steady at 4%. It was a close vote of five to four. Governor Andrew Bailey admitted inflation progress looks more balanced, but said it’s still not stable enough to risk a cut. And in a moment that caught markets off guard, he even warned about a potential “AI bubble,” suggesting that tech valuations might already be drifting away from economic reality. He’s also concerned about the shadow banking sector too… which is something I warned about on YouTube recently.

Prepare: Focus on quality. The BoE’s “AI bubble” warning echoes the early signs of past corrections. Stick with companies generating real earnings and dividends are a bonus too.

On the Global Stage

This week, the World Economic Forum issued another warning: the world may be inflating three simultaneous bubbles: artificial intelligence, cryptocurrencies, and debt. Each on its own could strain financial markets. Together, they represent what one analyst called “a synchronised mispricing of risk on a global scale.” Now the alarm bells should start ringing as we are hearing multiple organisations (Bank of England) saying similar things about market bubbles, they are starting to pivot from their previous ‘things are booming’ outlook.

Prepare: Avoid concentration in high-beta AI, tech, or speculative digital assets. Add instead balance with defensive holdings and real assets. Focus on earnings, balance sheets, and cash flow.

If you just said to yourself, ‘what’s a Beta?’ Then you shouldn’t be buying stocks without training as this is one of my fundamental buying principles when buying stocks.

3. Opportunity Of The Week…

Have you looked into Monetary Metals yet? And I know, I know… it's not for everyone.

For those of you who only want to physically hold your gold, hidden at home, then you should definitely stick with that strategy. I'm not here to change your mind on that!

But for those of you who perhaps already own gold and it's not in your possession anyway (stored elsewhere), then I would suggest having a conversation with these guys.

And no, I don't get paid a ‘bonus’ if you take their service (over and above them sponsoring my channel). The reason I accepted the sponsor, is that I interviewed the CEO for my gold & silver course. And I really do think it would be a good solution for some of you who want to own precious metals, but don't like the fact that you can't make a return on them. This solves that challenge.

BUT, it's important that you do your own due diligence with them, read the contract, ask those tough questions like I did. And only then if you feel satisfied with those answers, take it to the next step.

Information Form LINK

4. Chart Of the Week: The American Dream Now Costs $5 Million

Owning a home, raising two kids, retiring, and doing it all “comfortably” now adds up to over $5 million for a U.S. household. Retirement alone eats $1.6 million, while buying a home averages nearly $1 million. Add $900k for two cars, $876k to raise kids through college, and another $400k in healthcare costs. Even a modest wedding runs $38k. With homebuyer age now 56, up from 31 in 1981, and fertility at record lows, the numbers speak volumes.

5. Market Overview

In the U.S., the S&P 500 fell, as concerns over stretched technology valuations and signs of a cooling labour market weighed on investor sentiment.

In the U.K., the FTSE 100 edged lower, with losses in banking and domestic sectors outweighing gains in commodity and mining shares.

In Canada, the S&P/TSX Composite declined, pressured by weakness in technology stocks even as resource and energy names provided some support.

In Australia, the ASX 200 slipped, with financials and property stocks underperforming while mining shares limited broader losses.

🇺🇸 United States – S&P 500

  • High: 6,868.65

  • Low: 6,644.78

🇬🇧 UK - FTSE 100

  • High: 9,785.65

  • Low: 9,575.75

🇨🇦 Canada – TSX Composite

  • High: 30,284.04

  • Low: 29,553.55

🇦🇺 Australia – ASX 200

  • High: 8,889.30

  • Low: 8,748.30

Cryptocurrency:

  • Bitcoin (BTC): -8.9%

  • Ethereum (ETH): -14.5%

  • Tether (USDT): -0.0%

  • XRP (XRP): -10.6%

  • BNB (BNB): -12.7%

  • Solana (SOL): -16.7%

  • USDC (USDC): 0.0%

  • Lido Staked Ether (STETH): -14.4%

  • TRON (TRX): -2.6%

  • Dogecoin (DOGE): -6.4%

Metals Market:

Gold Silver Ratio: 82 The ratio has not moved much this week as things have stabilised in the precious markets.

Gold & Silver:

  • Gold: has not been moving much this week, floating around just below the 4,000 mark.

  • Silver: Silver has also remained flat, staying around ~$49 - $47

6. Faith & Success

❝

“Do not let your hearts be troubled, and do not be afraid.”
— John 14:27

I realise that for many, this week has been a troubling one. There just seems to be something in the air this week. It's hard to put my finger on it, but the closest description I can give is a sense of fear and uncertainty.

It's a bit like if you ever take walks at night in rural areas like I do (I know, I know… don’t ask - I get lectures all the time about doing this, ha) - I just find it very peaceful. I like to look up at the sky and see the stars. Sometimes I’ll lay down a while (we have a lot of dark sky sites on the Isle Of Man) so the night sky is breathtaking. The first time I saw it with my own eyes, I was speechless and awestruck.

But other times when I'm walking at night, where I only have the moonlight illuminating my path… I get this weird feeling for a moment… it's almost as if I'm being watched, or there's just something in the air that makes my hair stand on the end… you know, when something gives you the creepy crawlies?

Yet after I've stood there for a moment with my body tensed up and my heart racing, while I’m listening and looking into the darkness, I start to loosen up. I carry on walking… and guess what? Nothing's ever happened. Now that's not to say that I would do this in bear or mountain lion country of course, ha! The Isle Of Man does have some pretty serious rabbits on the loose though… I tripped over one once; I don’t know who was more shocked, me or the rabbit!

But getting to the point and coming back to the verse above…

In its original context, it’s deeply spiritual: it’s about trusting that divine peace can hold you steady, even when everything around you feels uncertain.

And even for someone who isn’t religious, the verse carries a universal truth:
- It reminds us that peace doesn’t always come from control or certainty.
- Calm is something we cultivate within, not something we wait for the world to give us.
- And it’s a call to pause, breathe, and choose steadiness rather than fear.

See you next time,

God Bless,

Neil,

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DISCLAIMER
This newsletter is 100% FREE & is designed to help your thinking, not direct it. These newsletters shall NOT be construed as tax, legal, or financial advice and may be outdated or inaccurate; all decisions made as a result of this information are yours alone.

Trading/Liability: Neil McCoy-Ward operates/trades under a private Ltd company within the Isle of Man.