The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper. For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant more?Check out Claer’s column, Why do we think we can beat the market?Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing.Want more?Check out Claer’s column: Why do we think we can beat the market?For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Introducing Untold, a new podcast from the special investigations team at the Financial Times. In its first series, The Retreat, host Madison Marriage examines the world of the Goenka network, which promotes a type of intensive meditation known as Vipassana. Thousands of people go on Goenka retreats every year. People rave about them. But some people go to these meditation retreats, and they suffer. They might feel a deep sense of terror, or a break with reality. And on the other side, they’re not themselves anymore. Untold: The Retreat launches Jan. 24.Subscribe and listen on: Apple Podcasts, Spotify or wherever you get your podcasts. Hosted on Acast. See acast.com/privacy for more information.

Mortgage lenders are cutting their rates. That’s good news for anyone thinking of buying or remortgaging a property. Presenter Claer Barrett and a panel of experts answer questions from listeners looking to switch, lock in a new rate, or wondering whether to go from fixed to variable rate deals. With Andrew Montlake, managing director of Coreco mortgage brokers, mortgage advisor Dan Knott, aka Dan Does Mortgages, and Rachael Sinclair, managing director for mortgages at Nationwide.Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant more?Read Claer’s column: Why it pays to be picky about mortgage brokersBarclays and Santader announce cuts to UK mortgage ratesHow far will UK mortgage rates fall?Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

First aired in September 2022, Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find yellow sticker bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.Follow Laura Gaga on instagram @reduction_raider1And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourseMore information on Morgan Housel and his books: https://www.morganhousel.com/Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

With the bills rolling in after Christmas, this week’s episode is devoted to helping listeners tackle their credit card debts on a practical and emotional level - no matter how big or small they might be. Host Claer Barrett hears from experienced debt adviser Sara Williams of the popular Debt Camel blog and Instagram account, Helen Saxon, deputy editor of Money Saving Expert, and Dr Pamela Roberts, a shopping addiction specialist at the Priory Clinic. They give tips on balance transfers and on how to resist the urge to splurge. To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourseLinks: Business Debtline here  Citizens Advice here Stepchange hereDebt Camel Blog hereFor the MSE Credit card eligibility calculator, go here To listen to the Money Clinic episode about shopping addiction, go hereFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

If you’re looking for inspiration for managing your money more effectively in 2024, this episode is for you! Claer Barrett is joined in the FT studio by popular financial experts Bola Sol, Timi Merriman-Johnson aka Mr MoneyJar, and Damien Jordan. Between them they offer a wealth of tips for navigating next year’s expected financial challenges and share their own money stories and strategies.To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourseIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. You can follow Claer on X and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors’ Chronicle, and Algy reveals his unusual polymathic side-gig.If you would like to sign up to the FT’s new money newsletter course Sort Your Financial Life Out with Claer Barrett, please click hereFind out more about Algy’s book Four Ways to Beat the Market hereYou can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on X and Instagram @ClaerbPresented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. This is another chance to hear him in conversation with presenter Claer Barrett, explaining his investment strategy and how he chooses stocks.To sign up for Claer's Sort Your Financial Life Out email series, visit this link Want more?My Isa has suffered - but I’m still a firm believerHow to make ISAs even nicerInvestment masterclass: ISA investing is changingIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Global equity funds are a mainstay in most investors’ portfolios, but few peer under the bonnet to examine the gigantic, global companies included in these investments. Host Claer Barrett speaks to veteran investor and FT columnist Simon Edelsten about the ‘Magnificent Seven’ US tech stocks that comprise up to a quarter of the weighting in some global trackers. Can their impressive performance in 2023 continue? Simon considers the potential impact of big global trends including higher inflation, AI and climate change, and answers questions from listeners. Free articlesMicrosoft will have observer role on Open AI's new boardTech turkeys and picking AI winnersIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Tax cuts were the centrepiece of the Autumn Statement last week – with national insurance bills set to drop in January for 27mn UK workers – but these savings stand to be wiped out by ‘stealth taxes’. Host Claer Barrett crunches through the numbers and explores the Autumn Statement’s impact on pensions, Isas and other investments, with Katie Martin, the FT’s markets editor and co-presenter of the Unhedged podcast, Sam Fleming, the FT’s economics editor, and Rafe Uddin, the FT’s UK politics reporter. Clips: UK Parliament TVFree links:Tell Sid all you like - but he might not buy NatWestThe Autumn Statement and your moneyQ&A: How will the Autumn Statement affect me?For related FT podcasts:UK equity markets have had a torrid time, as our recent Investment Masterclass with UK fund manager Nick Train explores, listen hereHear Claer and FT editors chat to Political Fix podcast host Lucy Fisher about the speed of tax cuts and the likely timing of the next general election, here If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Sean Kovacs McGarrity, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Inflation, interest rates, growth and taxes - they’re terms we hear on the news every day, but what impact do they have on our everyday financial lives? In a Money Clinic episode recorded in front of a live audience at the Bristol Economics Festival, host Claer Barrett hears from Sarah O’Connor, FT columnist and associate editor, and Susannah Streeter, head of money and markets at Hargreaves Lansdown. Plus, the audience pitches in with questions about property, mortgages, student debt and getting started as an investor.For more information about the Bristol Festival of Economics, go hereFor more about the FT’s Financial Literacy campaign, go hereFree links to FT articles:AI shakes up the way we work in three key industriesStagnation nation: governing the UK when ‘there is no money’Low income borrowers hit hardest by Bank of England rate risesUK households still under pressure despite lowest inflation in 2 yearsIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich, Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.With thanks to Zoe Steadman-Milne of the Bristol Festival of EconomicsRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Exchange traded funds, or ETFs, have been growing in popularity recently, but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. In an episode first aired earlier in 2023 presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.Want more?Top 50 ETFs 2023: The best ETFs to buy If you live near Bristol, there’s still time to grab a ticket to Money Clinic’s LIVE recording at the Bristol Festival of Economics on Thursday, November 16th, where Claer will be talking inflation, money and markets with Sarah O’Connor, the FT columnist, and Susannah Streeter, financial expert from Hargreaves Lansdown. Get your ticket hereIf you'd like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. You can follow Claer on Instagram and X @ClaerbPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

Are UK shares a bargain or a basket case? Nick Train has been an investment manager for more than 40 years and is renowned for sticking with his choices even if markets go against him. The man who’s been dubbed the UK’s answer to Warren Buffett tells host Claer Barrett why he has faith that shares in unloved UK companies will bounce back, even after years of underwhelming performance. Plus, he reveals why he seized the chance to secure a significant stake in Manchester United and why he’d like more young people to ditch sports betting in favour of having a flutter on the stock market.Free links:Nick Train says UK equities could stay cheap ‘for a very long time’ Lindsell Train suffers as consumer bets fall flat Nick Train ups his stakes in Pearson and Manchester United And if you’d like to join our live recording in Bristol on November 16:https://www.bristolideas.co.uk/attend/money-clinic-with-claer-barrett/If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. Follow Claer on Instagram and X @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich and Mischa Frankl-Duval. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Back in 2010, Money Clinic listener Kalyan bought an iPad with a monthly 3G subscription. Thirteen years later, that long-forgotten purchase might stop him from getting a decent rate on his mortgage. It’s a story that shines a light on how credit rating agencies score you and how things can easily go wrong. Host Claer Barrett hears from Sara Williams, who runs Debt Camel, a blog and popular Instagram account, as well as James Jones, head of consumer affairs at Experian, one of the UK's main credit reference agencies. Want more? Free links:UK watchdog calls for reform of credit rating marketHow to improve your credit score If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Deborah Meaden, star of the hit BBC show Dragon's Den, is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. She speaks to presenter Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and about her new book, Why Money Matters, which explains money and finance to children. Want more? Free links:What Rishi Sunak’s net zero overhaul means for UK emissionsESG ratings: whose interest do they serve?And mentioned in the show:https://makemymoneymatter.co.uk/https://ftflic.com/Clip: BBCIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Isas, or individual savings accounts, in the UK are tax-free vehicles that have made millions of investors richer since their launch in 1999. The government is now considering a shake-up that would simplify “a complex landscape” of Isa products - but questions have been raised about fractional shares, which are traded by tens of thousands of younger investors. Host Claer Barrett discusses the basics of using Isas to save and invest, as well as what the government might have in store, with Jason Hollands, managing director of the online investment platform Bestinvest, Sarah Coles, head of personal finance at Hargreaves Lansdown and Brian Byrnes, head of personal finance at the savings and investment app, Moneybox.The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.Want more? Free links:HMRC clashes with young investors over Isa rules Don’t lose the exponential benefits of fractional share tradingJeremy Hunt plans Isa overhaul to boost share ownershipHow to make Isas even nicerTime for Isa investors to hold fractional sharesIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

The renowned economist and investor Mohamed El-Erian is chief economic adviser at Allianz, the parent company of Pimco, one of the world's leading providers of bonds and fixed-income investments. He’s also a contributing editor at the Financial Times, but his smiling byline photo on his weekly columns about the global economy is often at odds with the warnings and predictions he makes. He tells host Claer Barrett why he’s taking a wait-and-see approach to equities and gives his take on investment strategies in a high-inflation environment. Revealing some of the solutions to world problems in his latest book, Permacrisis, he also explains how a telling-off from his daughter was behind his decision to quit a top job. The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser. Want more? Free links: For the FT’s review of Mohamed El-Erian’s book, Permacrisis, see hereThe plight of the ‘permacrisis’ and what to do about itInvestors should still expect a bumpy road ahead If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

It's hard enough sorting out the personal finances of a loved one who’s died. It’s even more painful when you suspect they’ve been targeted for their vulnerability. In the second of Money Clinic’s two-part series about what’s been called ‘sadmin’, the FT’s Miranda Green tells host Claer Barrett about the nasty surprises that she uncovered in her father’s personal finances after he died. Miranda found her Dad had been targeted by brokers selling him pointless insurance products, while her Mum had become the victim of several fraud attempts. So what are regulators and campaigners doing to protect vulnerable people from predatory selling tactics and scams?Want more? Free link:Sadmin - the side hustle nobody wantsServices mentioned in this 2-part series:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://www.mylostaccount.org.uk/https://www.deathnotificationservice.co.uk/Telephone preference service: www.tpsonline.org.ukInformation commissioner’s office: https://ico.org.uk/https://www.ageuk.org.uk/information-advice/money-legal/scams-fraud/If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utilities. She tells presenter Claer Barrett about her experience of inconsiderate call handlers and poor processes in the private sector and Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?Want more? Free link:Sadmin - the side hustle nobody wantsServices mentioned in the podcast:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://www.mylostaccount.org.uk/https://www.deathnotificationservice.co.uk/If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

It’s a year since Liz Truss and Kwasi Kwarteng’s mini-Budget sent the property market into a tailspin. No sooner had house prices begun to recover than they were dealt another blow by higher-than-expected inflation figures. At the recent FT Weekend Festival, the FT’s House and Home editor Nathan Brooker asked Yolande Barnes of the Bartlett Real Estate Institute, Andrew Montlake, boss of mortgage broker Coreco and buying agent Henry Pryor for their predictions on where prices will go next. Money Clinic dropped in on the discussion to hear what the experts had to say.Free links:UK mortgage lenders push through further rate cutsFestival panel sounds death knell on the housing ladderBonuses, Brexit and Airbnb: impacts on house pricesHas London’s property market reached the bottom?If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Money Clinic is presented by Claer Barrett and produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of podcasts.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

We all want to feel properly rewarded for the work we do, but getting a pay rise is a tough nut to crack. How do you even start the conversation? At the recent FT Weekend Festival in London, presenter Claer Barrett put listeners’ questions to Isabel Berwick, host of the FT’s Working It podcast and Jonathan Black, FT columnist and director of the careers advice service at Oxford university. If you want more:FLIC, the FT’s financial literacy charity: https://ftflic.com/Working It newsletter and podcast: https://www.ft.com/working-itJonathan Black’s careers advice column: https://www.ft.com/dear-jonathanIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. The FT’s global head of audio is Cheryl Brumley.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Sports betting is a relatively young industry in the US, in effect launching after a 2018 US Supreme Court ruling struck down a federal ban. Before then, those who wanted to gamble on sports legally had to travel to casinos in Nevada, or three other states that were exempt from the ban. Lifting the federal ban has led to a US sports-betting boom. How will regulators respond? It’s a subject that Oliver Barnes, the FT’s leisure industries correspondent, has investigated and he spoke to Brooke Masters, the FT’s US finance editor, about what he found.Want more?The dark side of the US sports betting boomDisney turns to gamblingUK sets out biggest shake-up of gambling industry since 2005If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Last year was one of the worst ever for the bond market. Fast forward to today and many people in finance say that despite the volatility, it is time for investors to get reacquainted with bonds. But what exactly are bonds, how do you go about investing in them and what are the risks? Brooke Masters, the FT’s US financial editor, stands in for Claer Barrett to discuss those questions and more with Edward Al-Hussainy, a senior analyst at Columbia Threadneedle Investments.Want more? Click on these free-to-read FT articles:Investors pile into bondsBonds are no longer the safe optionThe appeal of longer bondsHow bonds ate the entire financial systemIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Zero day options are now almost 50 percent of the options market. But what are they? And why would anyone take these bets? Today on the show, host Ethan Wu and Alphaville’s Robin Wigglesworth discuss the latest way to gamble on the markets and address concerns that it all might blow up. Also we go short the Republican debate and long the Bloomberg terminal. For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedofferFollow Claer Barret on Twitter and Instagram. Hosted on Acast. See acast.com/privacy for more information.

China’s economy has been growing faster than almost any other for a generation, so a slowdown is unfamiliar territory. Today on the show we look at three indicators — the CPI, exports and property sales — and try to understand why growth in China is finally slowing, and what it means for the rest of the world. Also, we go short cable news and long Argentina as a perpetual lesson in economics. For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedofferFollow Claer Barret on Twitter and Instagram. Hosted on Acast. See acast.com/privacy for more information.

Introducing Unhedged, a new podcast from the FT. Ethan Wu, Katie Martin and other markets nerds at the Financial Times explain the big ideas behind what’s happening in finance right now. Every Tuesday and Thursday. Subscribe wherever you get your podcasts. Hosted on Acast. See acast.com/privacy for more information.

Listen and subscribe to Tech Tonic here.Even after the crypto markets crashed this year, there are still a number of people who believe there’s a future for digital assets and blockchain technology. FT columnist and avowed crypto sceptic, Jemima Kelly, isn’t so sure. On this season’s Tech Tonic, she takes a trip deep into cryptoland to hear from critics, converts and hardcore believers to find out whether crypto technology has a future.Check out stories and up-to-the-minute news from the Technology team at ft.com/technologyPresented by Jemima Kelly. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley. Hosted on Acast. See acast.com/privacy for more information.

The cost of living is rising at its fastest pace for 40 years, and economists warn prices will increase further this autumn — with some fearing annual inflation could hit 15 per cent.On this week’s episode, presenter Claer Barrett hears how the soaring cost of fuel, energy bills and food is causing podcast listeners to cut back in other areas in order to balance their budgets. Chris Giles, the FT’s economics editor, explains what’s causing the price rises and why this in turn is pushing up interest rates — and how effective this might be in getting inflation under control.Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, notes how all of these pressures are being reflected on world stock markets, as well as looking at strategies people are taking with cash savings and mortgages on their homes.If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.Follow Chris Giles on Twitter @ChrisGiles_Follow Sarah Coles on Twitter @SaraheColesTo listen to our previous episode “How to get a pay rise” https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

The FT just launched a new podcast on porn, power and profit. When FT reporter Patricia Nilsson started digging into the porn industry, she made a shocking discovery: nobody knew who controlled the biggest porn company in the world. Now, she and her editor, Alex Barker, reveal who is behind it and much more. This eight-part investigative podcast reveals the secret history of the adult business and the billionaires and financial institutions who shape it. Brought to you by the Financial Times and Pushkin. To listen to new episodes, search ‘Hot Money’ wherever you listen. Hosted on Acast. See acast.com/privacy for more information.

Introducing Behind the Money. This is part 1 of 2 in a mini-series on crypto. Part 2 is available now here: https://link.chtbl.com/BTMMCFirst up, we're wondering: is a crypto vibe shift underway? Bitcoin’s price has been dropping for weeks and earlier this month, a popular stablecoin collapsed. FT reporter Ethan Wu explains how the effects of that rippled into other areas of the crypto universe. Michela and Ethan will talk about what stablecoins are and why they matter — even for people who aren’t crypto investors. Hosted on Acast. See acast.com/privacy for more information.

Behind the Money is back with all-new episodes! From hostile takeovers to C-suite intrigue, Behind the Money takes you inside the business and financial stories of the moment with reporting from Financial Times journalists around the world. The podcast returns May 25. You can follow the show now! Hosted on Acast. See acast.com/privacy for more information.

Ashley dreams of owning his own home, but is well aware that the cash he is saving for a deposit is at the mercy of rising inflation. Would he be better off investing his money in his pension, in stocks and shares, or should he stay focused on getting on the property ladder?Expert guests Paul Johnson, director of the Institute for Fiscal Studies, and Jason Butler, financial guru and FT columnist, have lots to say about the challenges facing younger investors, and offer tips for devising a long-term financial strategy.If you would like to be a future guest on Money Clinic podcast, please email the team via money@ft.com or follow Claer on social media @Claerb. To read Claer’s FT column about how 20-somethings are being forced to choose between targeting property or pensions, click on this link: https://www.ft.com/content/2815d35d-2297-4712-a4c5-0178de343eb1 To hear Claer chatting to Paul Johnson in-depth about the pensions challenges facing young people on the IFS podcast, click here: https://ifs.org.uk/podcast/should-people-be-saving-more-for-retirement To listen to our previous episode ‘How to get a pay rise’, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d You may also be interested to hear our previous episode about using the Lifetime Isa or Help to Buy Isa to save up for a property: https://www.ft.com/content/bf08da37-7901-4446-811b-ceef108824b4 Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

REPEAT: This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job. With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss. Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner. Hosted on Acast. See acast.com/privacy for more information.

With nearly 11m people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? In this bonus episode of Money Clinic, we answer all of the questions about tax returns that you wanted to ask. With more people starting side-hustles and small businesses during the pandemic, how much extra income do you need to earn before you have to submit a return?Presenter Claer Barrett discusses how apps can make the whole process easier, and whether it pays to get an accountant. Plus, she explores how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay. Jacquetta Brown, tax specialist at HM Revenue & Customs, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance, are on hand to demystify the jargon and pinpoint sources of help.If you would like to be a guest on the next season of the show, email the podcast team money@ft.com or follow Claer on Twitter and Instagram @Claerb.You can follow Deborah on Instagram @raisedup.finance Further reading: To find out more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: Financial Tips for the self-employed https://www.ft.com/content/3462f359-8a1d-4a1e-9098- a14bded3f00dTo claim the working from home allowance, follow this link to the Gov.uk website: https://www.gov.uk/tax-relief-for-employees/working-at-homeTo check out the HMRC YouTube channel, click here https://www.youtube.com/user/HMRCgovuk/playlists Hosted on Acast. See acast.com/privacy for more information.

This is the podcast about doing work differently. Join host Isabel Berwick every Wednesday for expert analysis and watercooler chat about ahead-of-the-curve workplace trends, the big ideas shaping work today — and the old habits we need to leave behind. Subscribe on Apple https://podcasts.apple.com/gb/podcast/working-it/id1591925469 - On Spotify https://open.spotify.com/show/5vNDHxEOc1pI1acJS7He5e Or wherever you get your podcasts.The wellness industry is a trillion-dollar business, and the pandemic has turbo-charged it. One of the biggest trends has been the rise in employers buying their staff access to meditation and fitness apps. But does this ‘quick fix’ approach work? And are there better ways to boost wellbeing ? Isabel talks to Lorna Borenstein, chief executive of Grokker, a corporate wellness app about the reasons why she set up the platform and how clients and her own staff use it. It’s all part of a culture of taking care of employees - a topic Lorna has explored more deeply in her book It’s Personal, offering advice to other managers on how to help staff feel better [tl;dr: talk less, listen more].We also speak to FT colleague Emma Jacobs, about the corporate care culture. She is a little more skeptical. We would love to hear from you - email us at workingit@ft.com. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: isabel.berwick@ft.com. Thanks. Mentioned in the podcast and other interesting reading:Emma Jacobs’ prophetic pre-pandemic guide to workplace wellness by app: https://www.ft.com/content/d1d58aae-437c-11ea-abea-0c7a29cd66feFT series, Burnout: https://www.ft.com/burnoutDeloitte report [2020] on employee mental health showing £5 benefit for every £1 spent: https://www2.deloitte.com/uk/en/pages/consulting/articles/mental-health-and-employers-refreshing-the-case-for-investment.html  Video, Emma Jacobs on how to detox from your smartphone: https://www-ft-com.newman.richmond.edu/video/b4115321-b915-3a42-9814-ad0be4c0e7f5?playlist-name=section-0b83bc44-4a55-4958-882e-73ba6b2b0aa6&playlist-offset=206Presented by Isabel Berwick. Editorial direction from Renée Kaplan. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel. Hosted on Acast. See acast.com/privacy for more information.

Peter McCormack, bitcoin bull and voice of the hugely popular 'What Bitcoin Did' podcast, joins Claer for a Money Clinic Investment Masterclass about cryptocurrencies. Recently back from a trip to El Salvador, the first country to make bitcoin legal tender, Peter tells Claer why he believes the cryptocurrency is the 'best form of money' and why regulatory crackdowns, volatile pricing swings and the divergent opinions of professional investors have failed to dampen his enthusiasm. An investor with a long-term view, Peter shares the highs and lows of his personal investment journey, and sets out the risks younger investors should know about before risking a single satoshi. With insight from Katie Martin, the FT’s market’s editor.Further reading:Check out Peter’s podcast 'What Bitcoin Did' Have you heard this Money Clinic episode? “Bitcoin: I’ll either be rich, or wrong”There’s a free-to-read column from Claer: Why young investors bet the farm on cryptocurrencies Here’s Vijay Boyapati’s The Bullish Case for Bitcoin Presented by Claer Barrett. Produced by Clare Williamson. Edited by Persis Love. Sound design by Breen Turner. Hosted on Acast. See acast.com/privacy for more information.

REPEAT: Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading:-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension? -This free-to-read FT piece reviews the apps that can help the self-employed manage their finances-And this Money Clinic from the New Year has the lowdown on wills Hosted on Acast. See acast.com/privacy for more information.

REPEAT: In this week's episode of the Money Clinic, Claer chats to Naureen about getting started in investing. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. But with so much information out there on investing, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:Even if you are not a fan of 90s rapper Vanilla Ice, Claer’s free primer on the tax advantages of investing through a stocks and shares Isa is a must-read for UK listeners: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aeceIf you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PPA more serious read for investors to get their teeth into is this piece by John Kay - How to build your own investment portfolio with £10,000: https://www.ft.com/content/24b98a82-b55e-11e6-961e-a1acd97f622dWe also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".Say hello on social media: You can follow Claer on Twitter and Instagram @ClaerbYou can follow Jason Butler on Twitter and Instagram @JBtheWealthMan You can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.

Would you fall for a £17,000 scam? You might think you are too smart to be duped by fraudsters, but under lockdown, criminals have come up with frighteningly convincing ways of parting us from our hard-earned cash. Claer Barrett talks to 31-year-old listener Jenny about how professional scammers conned her out of £17,000 after she clicked on a text message - and the battle she’s fighting with her bank to get the money back. Bank fraud expert Steven McMillan provides practical advice about spotting scams and how criminals use ‘phished’ data to fool victims, and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim.  Hosted on Acast. See acast.com/privacy for more information.

When 29-year-old Sam found out that his younger brother had made £30,000 trading bitcoin, he couldn’t believe what he was hearing. The self-employed musician decided to put the last £2,000 of his savings into various cryptocurrencies, hoping he could double his money. However, wild swings in crypto valuations are proving a test of his strategy. Presenter Claer Barrett explores the highs and lows of investing in cryptocurrencies with experts Abhishek Sachdev, a professional investor who has personally invested £20,000, and Eva Szalay, the FT’s currencies correspondent. They discuss crypto’s long-term potential as an asset class and the risks that investors such as Sam need to be aware of, as well as the allure of investing in highly volatile unregulated assets. Review clips: BBC Newsnight, CNBC.If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bothering you, get in touch — our email is money@ft.com -— and you can follow Claer on Twitter and Instagram @ClaerB. Further reading:-Read Eva Szalay’s article Bitcoin: too good to miss, or a bubble ready to burst?-Following Elon Musk’s tweets about the environmental impact of mining Bitcoin, check out this FT article Bitcoin’s growing energy problem: ‘It’s a dirty currency’ -Here is how the FT covered the story of the Bitcoin price crash last week -Check out our recent investment masterclass episode with FT columnist Merryn Somerset Webb, where she chats to Claer about Bitcoin and all kinds of other investment trends Hosted on Acast. See acast.com/privacy for more information.

It’s easy to create a budget to manage your spending - but can you stick to it? 32-year old project manager Rosie contacted Money Clinic as she kept making the same mistakes. Despite starting the month with good intentions, online shopping sprees frequently pushed her into the red. Battling with ‘buyer’s remorse’ as she returned her impulse purchases, Rosie asked Claer what psychological factors could be causing her to break the budget? Tim Harford, FT columnist and author, turns to behavioural economics to show how we can train our brains to resist the urge to splurge. Financial coach and blogger Ellie Austin-Williams, known online as This Girl Talks Money, encourages Rosie to explore her ‘money mindset’ and probe her emotional connections with money. If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com. Follow Claer on Twitter and Instagram @ClaerB.Further reading:Tim Harford writes the ‘Undercover Economist’ column in the Financial Times. His bestselling book How to Make the World Add Up is out now in paperback. Follow him on Twitter @TimHarfordRead Ellie Austin-Williams’s blog on exploring your ‘money mindset’ on her website This Girl Talks Money and follow her on Instagram @ThisGirlTalksMoneyIf like Rosie, you need some help working through maternity pay and pensions issues, check out our previous episodes Will having a baby break my finances? and Should I combine my pension pots?And if you’re after budgeting tips, check out Claer’s recent column: Lock down your budget before the economy opens up Hosted on Acast. See acast.com/privacy for more information.

Accountant Peter knows that to grow a business, you have to take on debt. But can he apply that same logic to his personal finances? He tells Claer how he is tempted to take out a bigger mortgage against his London flat and invest that money in a buy-to-let property - or even in the stock market. Has he come up with a brilliant shortcut to making some extra money, or is his plan to leverage up a recipe for disaster? Personal finance expert and FT columnist Jason Butler stresses that debt is no shortcut to wealth, while the FT’s European economics commentator Martin Sandbu looks at recent consumer debt trends.If you are a regular Money Clinic listener and want to be in with a chance of winning £250, then let us know what you think of the show at www.ft.com/moneyclinicsurvey If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.comClaer and Jason will be doing an Instagram Live on Tuesday 18th May at 7.30pm UK time discussing the issues raised on this episode. If you would like to take part and ask questions, follow Claer @ClaerB or Jason @JBtheWealthman on InstagramFurther readingHere’s our Money Clinic episode on how to get out of problem debt, and here’s the one about whether it's a good idea to pay off credit cards Follow Martin on Twitter and check out his book, The Economics of BelongingJason’s FT columns are available here. You can follow him on twitter and instagram and be sure to checkout his podcastJason recommends reading John Kenneth Galbraith’s The Great Crash 1929 and watching Capital in the Twenty-First CenturyFor the latest on market trends, follow the FT’s markets page. Hosted on Acast. See acast.com/privacy for more information.

Retail is not dead. Brexit could help UK companies. Take a small punt on bitcoin, keep your money invested in fossil fuel companies, and reassess your holdings in expensive tech stocks. These are pretty punchy opinions about the investment world — and they come from one of the FT’s top opinion writers, columnist Merryn Somerset Webb. In this special episode of the Money Clinic podcast, Merryn chats to presenter Claer Barrett about her personal investment strategy — and the forces she believes will shape the stock market in the years to come.Listeners should be aware that the discussion of investment trends on this podcast is for information only, aimed at people who feel confident making their own investment decisions. It doesn’t constitute an investment recommendation, or individual financial advice — if you want that, you’ll need to see an independent financial adviser.Find out more:- Both Merryn and Claer write a weekly column in the FT Weekend and you can follow them on Instagram and Twitter @MerrynSW @Claerb - Hear Merryn’s tips for 19-year-old investor Ross in a previous Money Clinic, Beyond GameStop: The day trader turned investor- For a different take on ESG investing, check out this episode Can ESG investing really change the world? And if you’re new to investing, listen to How can I get started as an investor?- If you would like to chat to Claer about a real-life money problem on a future episode of the podcast, then drop us an email: money@ft.com  Hosted on Acast. See acast.com/privacy for more information.

If I take a job outside the UK, what are the options for my investments, property and pension? After months spent in lockdown, 31-year-old finance professional Viktoria is longing for a change of scene, and is planning to relocate overseas.She talks to Claer about her desire to escape the corporate lifestyle in London and her concerns about what would happen to her property, pensions and investments if she were to uproot. David Denton, chartered financial planner at Quilter International, reveals the financial dilemmas commonly faced by Brits taking jobs overseas, and what someone in Viktoria’s position needs to consider. Theresa Wallace of property firm Savills talks through the pros and cons of renting out your home versus selling it when you move to another country. Useful links:For tips and guidance on investing in ISAs, listen to How can I get started as an investor? If you’re considering becoming a landlord and want to know more, check out Should I rent out my property?The FT’s Family Money columnist Lucy Warwick-Ching has some useful articles on the tax implications of working abroad during lockdown, and the need for sound financial advice when moving abroad. You can follow her on twitter here.Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com Hosted on Acast. See acast.com/privacy for more information.

Anne Boden spent over three decades in the traditional banking sector, watching the world around her being transformed by technology. In 2014, she decided that the time had come for banking to undergo the same shift, and quit her job to found Starling Bank. Since then, Anne has built Starling from an idea into a digital bank with 2m customers. Claer talks to her about making the leap into fintech, the determination needed to turn an idea into a business and how she persuaded investors to back her. Budding business owners should sit tight as Anne shares some of the key lessons she learnt along the way - and why she thinks we should prepare for cash to completely disappear. Read Claer’s review of Anne Boden’s autobiography, ‘Banking On It: How I Disrupted an Industry’. If you want to know more about how Anne Boden set up Starling Bank, you can buy a copy here.Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com  Hosted on Acast. See acast.com/privacy for more information.

Making the ‘greener choice’ comes naturally to listener Ros. As more people become increasingly aware of how their daily decisions affect the environment, Ros is wondering if she can make a difference to the planet - and her pocket - through her bank account, pensions and plans for investing. Claer talks to the FT’s Alice Ross, author of 'Investing to Save the Planet' and Bevis Watts, chief executive of Triodos Bank UK. Review clip: Global Ethical Finance Initiative.If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerBFurther reading:-Follow Alice Ross on Twitter and check out her book here-To read further about greening your money, check out Ethical Consumer Magazine, Good with Money or Make My Money Matter-You can read an FT interview with Bevis here or check out the FT’s climate hub for the latest on climate change-For a deep dive into ESG investing, listen to this episode of Money Clinic -Here’s some further reading on Danone’s sustainability credentials and on Natwest’s climate pledge Hosted on Acast. See acast.com/privacy for more information.

Jenny and her partner are planning to have a baby but, beyond forking out for nappies and a pushchair, she has no idea how much becoming a parent will cost. How big a budget will the couple need to cover parental leave, childcare costs, and other unexpected expenses? Claer talks to Tobi Asare, founder of parental finance blog My Bump Pay, and Maike Currie, FT columnist and investment director at Fidelity International.If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerBFurther reading:-Tobi’s blog My Bump Pay can be found here and has a wealth of resources for soon-to-be parents and she is on instagram @mybumppay You can download her baby equipment spreadsheet here, or use her planner to calculate how to spread out the ‘income shock’ of parental leave-Follow Maike Currie on Twitter @MaikeCurrie and check out her FT columns here-Check if you are eligible for the UK government’s Tax-Free Childcare account-Hiring a nanny: what I wish I’d known. Click here to read -More than one million parents in the UK are estimated to have lost state pension credits by mistakenly not registering for Child Benefit. This free article explains what to do Hosted on Acast. See acast.com/privacy for more information.

Last October Claer spoke to listener Lucy who was on the cusp of buying a shared ownership flat with her partner — but was getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. Lucy was hoping that this would be her first step towards being able to afford to own 100 per cent of her home, but worried about how much it would cost. Six months later, is she comfortably settled in the flat or did the couple stay renting? Claer hears from experts, independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco.  If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading: -Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route Hosted on Acast. See acast.com/privacy for more information.

In this special ‘What happened next’ Money Clinic episode, Claer catches up with US financial services worker Josh. When they spoke last October, he was hiding thousands of dollars in credit card debt from his wife. Under lockdown, the couple had managed to save up enough money to pay them off - but she wanted to use this cash for a deposit on their first home. The podcast experts had plenty of advice about dealing with credit card debt, and what could happen if Josh took on even more debt with a mortgage. Six months later, has he paid off his debt and cut up his cards, did he buy a property, and are he and his wife still talking openly about money? The experts were Sara Williams aka The Debt Camel, and the FT’s US finance editor Robert Armstrong. The original podcast was released on October 20 2020.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com, with a brief description of your story. Follow Claer @Claerb and read her Serious Money column. Further reading:-Free UK sources of debt advice include StepChange and Citizens Advice -In the US the government’s Dealing with Debt has plenty of pointers-Read, for free, Claer’s article on the UK’s biggest debt helpline and advisers’ tips, and her column Six ways to manage money - and not fall out with your partner-For a different take on debt, listen to this previous episode: Starting your debt free journey Hosted on Acast. See acast.com/privacy for more information.

Claer catches up with 30-year-old jewellery designer Roseanna Croft. When they spoke last October, her small business was reeling from the impact of coronavirus and cancelled weddings. Money Clinic experts advised Roseanna on accessing financial support, and finding a new direction for her business under lockdown. Five months on, has she managed to hammer out her financial issues? The experts were Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business podcast, and Andy Chamberlain, head of policy at the Association of Independent Professionals and the Self Employed. The original podcast was released on Nov 10th 2020.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com, with a brief description of your story. Follow Claer @Claerb and read her Serious Money column. Further reading:-Claer has written extensively about issues facing small business owners during the pandemic, and has more advice in this recent Money Clinic-Follow Suli @SuliBreaks  and Andy @AndyChamberlain-The IPSE website has lots on the help available for the self-employed and limited company directors Hosted on Acast. See acast.com/privacy for more information.

Young investors have rushed to open day trading accounts under lockdown, using tips gleaned from chat rooms and social media as they attempt to make a fast buck. But betting on short-term market movements carries a high risk of losing money — something that 19-year-old Ross has found out the hard way trading stocks like GameStop and AMC. If he invested his money for a matter of years instead of a matter of minutes, would he get a better return? Claer Barrett hears from experts Merryn Somerset Webb, the FT columnist and editor-in-chief of MoneyWeek, and Damien Fahy, founder of investment website Money to the Masses.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Read more:-Claer’s thoughts about good investment habits to build for the future: Where do the next generation of investors go from here? -Merryn Somerset Webb’s column every Saturday in the Weekend FT. Follow her @MerrynSW -Damien Fahy’s website Money to the Masses for information about investing, including a blog about his own £50,000 portfolio and a podcast. Follow him @Money2theMasses -And finally… those book recommendations. From Merryn: Investing for Growth by veteran fund manager Terry Smith; Effective Investing by former Hargreaves Lansdown research director Mark Dampier, and The Anatomy of the Bear by Russell Napier, the equity market strategist (disclaimer: Merryn wrote the introduction to the new edition). From Damien: How to own the world by Andrew Craig, adding that this book “explores the whole concept of why you’d want to invest” Hosted on Acast. See acast.com/privacy for more information.

Gina Miller’s campaigning spirit has made her front-page news — but what’s less well known is the personal story behind her own financial journey.As one of the highest profile women working in the City of London, the anti-Brexit campaigner has raised awareness of unfair investment charges, the impact of the gender pay gap and the need for women to embrace investing. Her latest fear? That the pandemic has set back women's’ careers and earnings prospects.In honour of International Women’s Day next week, the co-founder of wealth management firm SCM Direct chats to Claer for a special edition of Money Clinic.Aptly, the theme of IWD this year is Choose to Challenge. Follow the hashtags #ChoosetoChallenge and #MoneyClinic on social media, and follow Claer and Gina @Claerb and @ThatGinaMiller.If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch - our email is money@ft.com If the podcast has left you wanting to learn more about managing your money, this free to read column by Claer is a great place to start - Six financial mistakes that women need to avoid. Finally, we promised to link to some sources of support for who are experiencing domestic abuse or seeking to leave abusive relationships. Here are links to the websites of UK charities Refuge, Women’s Aid and Respect Men’s Advice Line (for male victims of domestic violence). For listeners in the US, this website has links to charities and organisations.Acknowledgements: Brass in Pocket by The Pretenders. Hipgnosis. Hosted on Acast. See acast.com/privacy for more information.

Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading:-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension? -This free-to-read FT piece reviews the apps that can help the self-employed manage their finances-And this Money Clinic from the New Year has the lowdown on wills Hosted on Acast. See acast.com/privacy for more information.

Many people would like to move to a life with less or no debt, but taking the first step requires great courage. This week Claer hears from a couple in their 30s who have each run up large credit card debts. Duncan and his partner found that the pandemic made their debt problems worse. How can they get their finances back on track? Could a debt adviser help? Chris Browning, presenter of US podcast Popcorn Finance, has practical tips, and debt advice specialist Alan McIntosh explores different solutions.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading:-If you’re struggling with problem debt, this week’s experts say don’t wait for things to get worse before seeking advice. The earlier you seek help, the more options you’re likely to have-Free UK sources of debt advice include StepChange and Citizens Advice -In the US the government’s Dealing with Debt has plenty of pointers-For a different take on debt and budgeting, check out this previous episode: Should I pay off my credit cards, or buy a house? -Read, for free, Claer on the UK’s biggest debt helpline and advisers’ tips Hosted on Acast. See acast.com/privacy for more information.

With “Isa season” fast approaching in the UK, Claer explores how young people can use the popular tax-free accounts to invest or buy their first property. This week, she meets Ryan, a 22 year old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.  If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-If you’re new to investing, listen to this past Money Clinic episode on starting out -If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer-Harleigh Reid also hosts her own YouTube channel-Iona Bain shortly releases her second book on investing and features in the FT talking about her Lifetime Isa  Hosted on Acast. See acast.com/privacy for more information.

This week, Claer meets Lowri, who runs a small events business. She’s had no work for nearly a year, and as a director of her own limited company is one of an estimated 3m people in the UK who has fallen through the cracks of government support. Living on state benefits and reliant on her local food bank, Lowri’s previous experiences of business failure have prepared her for what she fears is to come. Legal and insolvency experts provide practical tips for small business owners in a similar situation, and we have the latest on the growing political campaign for directors to be included in UK government grants. If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Thanks to podcast experts Rebecca Seeley Harris, founder of Re Legal Consulting, and Peter Sargent, insolvency expert and consultant at Quantuma Further reading:Read the FT story about how 262 MPs have backed Rebecca’s campaign to reform coronavirus support measuresIf your business is in financial trouble, here are links to some free sources of support mentioned in the podcast: Business DebtlineForgotten LtdExcluded UK The charity Turn2Us has a very user friendly benefits calculator If you are looking for more information about finding an insolvency practitioner, please see: The Insolvency Service R3 (the trade body for insolvency practitioners)  Hosted on Acast. See acast.com/privacy for more information.

Disruption from the pandemic has created plenty of ‘accidental landlords’ - homeowners with an empty property they could potentially let out. This week’s guest, Jeremy, has relocated for work - he’s renting a room in a shared house, but wants to make some cash renting out his former home. He asks Claer what taxes he’d have to pay, the rules he’d have to comply with, whether or not to use a letting agent, and how to assess whether becoming a landlord makes sense financially. Expert guidance is provided by professional landlords Ayesha Ofori, founder of the PropElle network for female property investors, and David Lawrenson, author of the bestselling book Successful Property Letting.  If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further information:-David Lawrenson took part in a live Q&A with FT readers last year on renting property-Read this FT Money article on ways landlords are tackling the effects of the pandemic  Hosted on Acast. See acast.com/privacy for more information.

Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer, A lunchtime lesson about pensions for millennials. Also Claer has written on the pandemic and pensions planningTina’s first task was to work out what she had in which pensions, and where. To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firmsTo check how many years’ worth of UK state pension contributions you’ve made, what you could receive in retirement and if you have any missing years, use the government’s free Check your State Pension serviceThe UK government page Your State Pension Explained contains more information on what counts as a qualifying year Read this UK government advice page about making extra National Insurance contributions to your UK state pensionContact the Future Pension Centre to find out if you would benefit from voluntary NI contributions The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseasWant to talk to someone about your pensions options? If you’re over 50, then you can use the UK government’s free Pension Wise service to get detailed guidance from an adviser on your retirement optionsEmma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions areFinally, if you need some further pensions inspiration on social media, you can follow Catherine Morgan on Instagram Hosted on Acast. See acast.com/privacy for more information.

2020 was a turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some ‘financial resolutions’. The guests on the first podcast of the New Year, couple Toby and Siobhan, are looking for some ‘fin-spiration’ to get their money working harder in 2021. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash: overpay the mortgage, or put more into pensions or other investments? There’s also one financial to-do that they’re been putting off for a long time: making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide some useful tips.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-You can follow Ken Okoroafor on Instagram -If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s Resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more.-Here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a ‘digital will’ online. Read this FT Money piece to find out how-For a more general grounding on wills, read this FT article - 10 things you need to know before making a will -And here’s a useful Money Clinic podcast on credit card debt. Claer finds how to keep credit card spending under control Hosted on Acast. See acast.com/privacy for more information.

Money Clinic is taking a break until December 31st, so why not delve into our back catalogue of podcasts to find useful discussions on how to manage your money during the pandemic, from starting in investing and shared ownership to the dangers of 'money mules' and moving into a second career. Our next episode focuses on how best to plan your finances in the New Year while Covid-19 continues to affect all our lives.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper. Hosted on Acast. See acast.com/privacy for more information.

She earns a six-figure salary working an 80-hour week on Wall Street but 20-something Anna spends her spare moments dreaming about starting her own business. She chats to presenter Claer Barrett about the challenge of resisting “lifestyle creep” - the pressure to spend more as you earn more - in New York City. But how much will she need to save up to support herself if she pursues her passion project? Experts Bola Sokunbi, the founder of Clever Girl Finance, and Emilie Bellet, founder of Vestpod, share stories of how they quit high-flying jobs to launch their own personal finance platforms - and have plenty of tips for listeners who are tempted to go it alone. If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-If all this talk of ‘lifestyle creep’ has inspired you to take a closer look at your spending habits, check out this free to read FT column by Claer which is packed with budgeting tips: Simple rules for managing your money-Clever Girl Finance, the personal finance platform founded by podcast guest Bola Sokunbi, is full of free content, courses and resources covering all kinds of financial issues. You can hear more from Bola on her Clever Girls Know podcast, follow her on Instagram @CleverGirlFinance and check out her book, Clever Girl Finance: Ditch debt, save money and build real wealth-Emilie Bellet quit her City of London career to found Vestpod, a platform dedicated to empowering women on their investing journey where you can sign up to her free weekly newsletter. Follow Emilie on Twitter and Instagram, and check out the Vestpod Facebook group. She also presents a weekly podcast The Wallet and her first book is called You’re not broke, you’re pre-rich-Anna's project is Young Money Plans Hosted on Acast. See acast.com/privacy for more information.

If you’re offered the chance to make some easy money during the pandemic, what should you do? Money Clinic was emailed by 19-year-old student Henry who, along with many of his friends, had been contacted on Snapchat and Instagram and asked: ‘Do you want to make money working from home?’ To earn a few hundred pounds, students are being asked to open bank accounts, then receive and transfer money. This may sound innocuous. But as presenter Claer Barrett reveals, acting as a ‘money mule’ is a criminal offence, and could involve money laundering. Reformed fraudster Tony Sales and anti-fraud expert Mike Nathan explain how it works and how to stay safe online. If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-If you have been a victim of cyber crime, or want to report a scam attempt, here are the agencies to contact, depending on where you’re based, in the UK, the US or Europe -Claer’s FT column this week goes into much greater detail about money muling, and how parents can spot the signs-Claer won a Wincott Award for this 2018 column exposing “Modern Day Bank Robbery”, which highlights the techniques criminals use to steal money from the unwary online-You can also read Claer’s column: Don’t fall for these 10 financial scams -And Tony Sales, the reformed criminal we heard from on today’s show, will shortly be releasing his autobiography - The Big Con: How I stole £30m and got away with it, published by Mirror Books Hosted on Acast. See acast.com/privacy for more information.

Finding a side hustle that earns you  money alongside your main job is an attractive idea — but it can be hard to achieve as Jonny, this week’s guest, has found out, with his side hustles costing him time rather than earning much extra cash. He’s also looking to volunteer as a side hustle to further his ambition of campaigning on personal finance issues, but how can he find the right balance of money and time? Presenter Claer Barrett hears from experts Abadesi Osunsade, founder of Hustle Crew and presenter of the Techish podcast, and Juliet Tomlinson from the Oxford university’s careers service on “success metrics” and acquiring the right skills. If you would like to talk to Claer for a future podcast episode, she is very keen to find someone who is resolving to sort out their finances for the new year and could do with some expert help. If that sounds like you, please email the Money Clinic team with a brief description of your story to money@ft.com. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-If like Jonny, you’re seeking inspiration from how others are earning money on the side, check out this FT Magazine piece — How lockdown encouraged young people to develop their side hustles -If your side hustle is successful, there could be tax implications, but this piece from FT Money gives some useful tips about tax returns and the kinds of expenses you might be able to offset -Abadesi Osunsade is the founder of Hustle Crew, which runs workshops and events for people working within the tech space, and presents the Techish podcast which is focused on the intersection of tech, pop culture and life. Follow Abadesi @Abadesi Hosted on Acast. See acast.com/privacy for more information.

Since they moved in together at the start of the UK lockdown in March, Marijke and Danny’s relationship has gone from strength to strength. Marijke owns the flat they both live in — but Danny has recently come into an inheritance and wants to finance building an extension to their home. How can the cohabiting couple structure this arrangement in a way that will be fair to both of them if they later split up? Presenter Claer Barrett seeks guidance from experts, Michael Gouriet, partner in the family law team at Withers, the legal firm, and Angela Marson, chartered financial planner at Fairstone, the financial advisory business.If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-Our guests on this episode were shocked to find out that cohabitation is such a ‘grey area’ of the law in England and Wales.-This FT Money article by Lucy Warwick-Ching — Is my boyfriend entitled to a share of my flat if we split? — covers many of the legal options couples like Marijke and Danny could consider.-Of course, talking about money is a big issue for many couples. This FT column by Claer — Six ways to manage money and not fall out with your partner — is packed with practical tips and is currently free to read.-Michael Gouriet, the legal expert featured on this podcast, has also made a more in-depth podcast series with his firm Withers focusing on the issues arising from cohabitation agreements.Finally, this column by the FT’s economics correspondent Delphine Strauss — Unmarried couples in the UK pay the price of an outdated system — looks at repeated attempts to reform the laws concerning the rights of cohabiting couples. Hosted on Acast. See acast.com/privacy for more information.

For 61-year old Margaret, and millions of other women, being able to retire with a pension has become an unaffordable dream. She has relied on working as a supply teacher to pay the bills. But she says employers don’t want to hire older workers. After many unsuccessful job applications, Margaret has gone back to university to study creative writing and to seek a new career. Lindsay Cook, the FT’s Money Mentor columnist, suggests how women in Margaret’s situation can maximise their retirement income, and Stuart Lewis, the founder of over-50s online community Rest Less, has plenty of tips for older jobseekers.If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-The experts had plenty of practical tips for UK listeners looking to get on top of their retirement planning.-To track down lost pensions, Lindsay Cook suggested that Margaret uses the government’s Pensions Tracing Service, which is free to use. As we said on the show, please be careful of copycat websites run by commercial firms.-You can also check how many years’ worth of State Pension contributions you’ve made, and what you could receive in retirement-Looking for a job in your 50s and 60s can be a very challenging and lonely experience, as Margaret has found. Rest Less is an online community and recruitment website for older workers which is packed with all kinds of tips and advice. Membership is free, and has trebled since the start of lockdown.-Claer’s latest FT column is full of practical advice for job seekers, drawing on a live video Q&A with Jonathan Black, the FT’s “Dear Jonathan’ columnist and director of the careers service at Oxford University. This contains useful suggestions of how to reach out to contacts for help finding your next position, and the strange theory of why wearing smart shoes in Zoom interviews could boost your performance — even though your feet are out of shot!-Finally, if you’re considering going back to university in later life, you may be concerned about student loans. In the UK, these operate more like a graduate tax than a conventional loan, as this free to read column by Claer explains. Hosted on Acast. See acast.com/privacy for more information.

29-year-old jewellery designer Roseanna Croft is having her mettle tested by the pandemic. Wedding cancellations have dented her sales, and now the second UK lockdown threatens Christmas trading. As a limited company director, she has restricted access to government support and must rely on her own efforts to redesign her business plan. Claer finds creative inspiration for Roseanna from Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business Podcast, and financial tips from Andy Chamberlain, head of policy at IPSE (the Association of Independent Professionals and the Self Employed).Further reading:-Claer has written extensively about issues facing small business owners during the pandemic, and the problems of accessing government support schemes. Her recent FT column Help for the self-employed won’t save everyone is free to read -Suli presents the 7even Figures podcast, where he interviews an entrepreneur who has set up a business from scratch, finding out how they grew their passion into a million pound company-Watch Suli in action on his website and follow him on Twitter @SuliBreaks-Andy Chamberlain is head of policy at IPSE, and tweets @AndyChamberlain-The IPSE website has a hub full of advice and information for the self employed and limited company directors detailing the help available during the pandemic-You can follow Claer on Twitter and Instagram @Claerb  Hosted on Acast. See acast.com/privacy for more information.

Lucy is on the cusp of buying a shared ownership flat with her partner — but she’s getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. However, Lucy is worried this could be more expensive than she bargained for, and fears she will never be able to afford to own 100 per cent of her new home. Claer hears from independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco. Further reading:-Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers.-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here.-Claer’s recent column in FT Money tackled the pitfalls of shared ownership properties, the government’s Help to Buy scheme and a mad-sounding new idea to let young people borrow from their pensions to get on the property ladder.-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route. You can follow Claer on Twitter and Instagram @Claerb Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett chats to Harri about the challenges of building an ethical investment portfolio. The 29-year old is saving £1,000 a month into his retirement fund, and has noticed a growing array of ESG options (a label applied to investments that address environment, social and governance considerations). Are they genuinely doing good — or have they just done a good job on their marketing? And does investing ethically mean he has to sacrifice some investment returns? Experts Gillian Tett and Moira O’Neill offer their tips.If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:--Gillian Tett chairs the FT’s editorial board, and set up Moral Money, the FT’s online hub for all things ESG. Read the latest stories and sign up for the twice-weekly newsletter at FT.com/moralmoney (the newsletter is currently free for the first 30 days). You can follow Gillian on Twitter: @GillianTett.--Moira O’Neill is an investment columnist in FT Money, and the head of personal finance at Interactive Investor. Read Moira’s latest column about why it’s a myth that only the “young and woke” are interested in ESG investment at ft.com/goodmoneyweek. You can follow Moira on Twitter: @MoiraONeill.--The dilemmas of ESG investors are explored in a forthcoming book by Alice Ross, the FT’s deputy news editor. You can read an extract from Investing to Save the Planet via this link ft.com/investingtosavetheplanet and it will be published by Penguin Books in November 2020. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett chats to Josh, a high-earner living in New Jersey who has large credit card bills to settle. The 30-something finance worker has spent $20,000 paying for holidays and unexpected bills on his interest-free cards, but his wife is unaware of how much he now owes. Under lockdown, the couple have impressively managed to save more than $27,000. His wife wants to use their savings towards a deposit on a house, but should Josh come clean and pay off some of his card debt? Experts Robert Armstrong and Sara Williams (aka the Debt Camel) offer their tips.If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb. Further reading:--Sara Williams writes the independent Debt Camel blog, offering no-nonsense advice for people who want to get out of debt. Covering debt problems and debt solutions, she has won praise for answering common questions about debt without jargon, and has been a debt adviser in the UK for more than 15 years. --Robert Armstrong, the FT’s US Finance editor, recently bought a house in Brooklyn, and is already regretting his purchase, as he explains in this column: Was buying a Brooklyn townhouse just before lockdown the worst trade of my life?--He has also explored the topic of mounting consumer debt in this FT video: Will Covid-19 light the fuse on a debt bomb?--If, like Josh, you find it difficult to talk openly to your partner about your finances, check out Claer’s column, Six ways to manage money - and not fall out with your partner (which is free to read).--Last year, Claer spent a day inside one of the UK’s biggest debt helplines and spoke to advisers about how people of all income levels can and do suffer from debt problems — and heard practical tips on what to do about it.  Hosted on Acast. See acast.com/privacy for more information.

Could there be a worse year than 2020 to graduate from university? Lockdown disrupted final exams, not to mention final goodbyes - and graduates face one of the toughest recruitment markets in recent times. Claer Barrett chats to 21-year-old graduate Olly. He’s landed a traineeship with a big City of London firm, but his start date has been delayed until January 2021. Other friends have had job offers withdrawn, ending their hopes of renting a London flat together. Olly also worries how Covid-19 could affect his job security and career progression. Can his love of spreadsheets help him budget for the unexpected? With experts Iona Bain and Jonathan Black.The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, Money Clinic features real life stories from FT readers around the world (on a first name only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Further ReadingIf you’re about to start your first job, read this column by Claer (she wrote it when her stepdaughter landed her first job). There are tips on setting a budget, and using workplace perks including the company pension and Save As You Earn schemes to maximise your savings: https://www.ft.com/content/4604c988-a7ad-11e9-984c-fac8325aaa04If you enjoyed hearing Jonathan Black’s careers advice, check out his regular column in the Financial Times where he answers readers’ dilemmas: https://www.ft.com/dear-jonathanThis column, How do I get my first graduate job in a tough economic climate? contains some useful insights from Jonathan and FT readers: https://www.ft.com/content/42ff5dc4-8976-11ea-a109-483c62d17528Iona Bain is a freelance writer who shot to fame with her hugely successful Young Money Blog, covering everything from budgeting hacks to the best money apps and non-nonsense advice on pensions and investing: https://www.youngmoneyblog.co.uk/Iona’s next book Own It! How our generation can invest our way to a better future comes out next year, and is available for pre-order now: https://www.amazon.com/Own-generation-invest-better-future-ebook/dp/B08JVFLFFRIona regularly writes in FT Money; one of her most recent pieces covers how she uses the Lifetime Isa for under-40s to invest for the future: https://www.ft.com/content/5d6eb1a8-f403-44c0-8ad6-1648460f7900You can follow Claer Barrett on Twitter and Instagram @ClaerbYou can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.

In this week's episode of the Money Clinic, presenter Claer Barrett chats to Naureen, a 37-year old Londoner who has been saving money under lockdown — and now wants to start investing it in the stock market. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. She is so keen to learn more about investing she has even started a vision board to inspire good financial habits - but with so much information out there, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, we feature real life stories from listeners around the world (on a first names only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:Even if you are not a fan of 90s rapper Vanilla Ice, Claer’s free primer on the tax advantages of investing through a stocks and shares Isa is a must-read for UK listeners: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aeceIf you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PPA more serious read for investors to get their teeth into is this piece by John Kay - How to build your own investment portfolio with £10,000: https://www.ft.com/content/24b98a82-b55e-11e6-961e-a1acd97f622dWe also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".Finally, Claer’s column for Mental Health Week - Worried about money? You are not alone - is free for anyone to read and share via this link: https://on.ft.com/2ZeMMWk.Say hello on social media: You can follow Claer on Twitter and Instagram @ClaerbYou can follow Jason Butler on Twitter and Instagram @JBtheWealthMan You can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.

If you’re thinking of taking early retirement - don’t. That’s the blunt assessment from financial advisers on both sides of the Atlantic, who fear that volatility on the stock markets - not to mention pressures within the jobs market - will be a toxic combination for those in their 50s and 60s who are planning to retire. FT Money Show presenter Claer Barrett and guests discuss the practical steps investors can take to secure a better future.  Hosted on Acast. See acast.com/privacy for more information.

Crisis? What crisis? On Monday, investors in the main US stock market index, would have been up on the year as the S&P 500, incredibly, regained the group lost to the coronavirus. FT Money show presenter Claer Barrett talks to special guest Merryn Somerset Webb about how globally, markets are getting their mojo back thanks to huge amounts of government stimulus, and big US tech companies like Amazon and Netflix have prospered under lockdown conditions - showing that yet again, investing for growth has trumped investing for value. But how long can it go on for - and should investors fear a second slump?    Hosted on Acast. See acast.com/privacy for more information.

There’s nothing like a global pandemic to remind people of their own mortality and coronavirus has sent individuals rushing to get their financial affairs in order. In this week's FT Money show presenter Lucy Warwick-Ching talks to guests - Julia Cox, partner at Charles Russell Speechlys and Ian Dyall, head of estate planning at Tilney - about how best to pass money down the generations. From trusts to family investment companies, or regular gifts out of income - how can you give your children or grandchildren money without being hit by high taxes? We discuss the issues. Hosted on Acast. See acast.com/privacy for more information.

FT Money presenter Claer Barrett talks to FT columnists Michael Skapinker and Lindsay Cook about the issues travellers are experiencing, which airlines appear to be the best and worst and how UK listeners can go directly to their credit or debit card provider to request a refund for cancelled flights and holidays. Hosted on Acast. See acast.com/privacy for more information.

Will UK taxes go up in the near future? A leaked Treasury document shows the government is pondering some taxing questions. In this week's FT Money Show podcast Claer Barrett and guests discuss what could happen - and when. Plus, financial planning is a topic we know many of you are turning to under lockdown - Michael Martin from Seven Investment Management gives some tips on what to prioritise. Hosted on Acast. See acast.com/privacy for more information.

As the chancellor commits to spending billions more on support packages for workers and companies, FT Money presenter Claer Barrett and experts explain what you could claim. Next up on the show, maths teacher and TV personality Bobby Seagull talks about this year’s National Numeracy Day - an opportunity for people of all ages to boost their numeracy and money management skills. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and Lucy Warwick-Ching discuss covert and overt ways to interest children in learning about money, and columnist James Max reveals that his biggest problem during the lockdown has been keeping his house clean without his regular cleaner.  Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett explores some of the biggest issues facing small investors with investment columnist Merryn Somerset Webb and Fidelity’s Maike Currie.  Hosted on Acast. See acast.com/privacy for more information.

There are lots of pressures on household budgets at the current time, but experts on the FT Money show are here to guide you through it. On this week's podcast we’re going to be talking about worker’s rights if companies want to cut their pay; whether you should take a ‘payment holiday on your mortgage’, and how to get a refund on a holiday you can no longer take - our Money Mentor Lindsay Cook is here to help. And with children at home, we’ve also got ideas to inspire them to learn more about money matters - and there’s even a competition parents can enter for sharing their best ideas. Hosted on Acast. See acast.com/privacy for more information.

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions.  Hosted on Acast. See acast.com/privacy for more information.

It's been a week of shock and awe for UK investors. Wednesday started with an emergency interest rate cut from the BoE. New chancellor Rishi Sunak then delivered a Budget full of emergency "first aid" measures to help workers, the self employed and small businesses survive the crisis - and some very unexpected news for wealthy pension savers. And in the meantime - stock markets around the world continue to experience deep falls as central banks work out how to respond to the coronavirus. Hosted on Acast. See acast.com/privacy for more information.

Join our campaign for clear pension charges - FT Money has been exploring the impossibility of comparing the costs of drawdown plans. The FT is calling on the pensions and advise industry to be transparent about charges to help people to shop around. In this week's show, FT Money Show presenter Claer Barrett interviews o the FT's pensions expert about our campaign. Next up, the spread of the coronavirus has given world stock markets a nasty turn - FT Moneys' new investment reporter, Madison Darbyshire, talks about how investors are reacting. And finally, to cheer listeners up a bit - James Max, our Rich People's Problems columnist is here to discuss a burning issue - the government's proposed ban on coal fires.  Hosted on Acast. See acast.com/privacy for more information.

Do you want to find out how to do the splits on your mortgage? FT Money Show presenter Claer Barrett is not talking about stretching yourself, but instead, how thousands of borrowers are finding their mortgage lender is flexible enough to give them more than one type of mortgage. Next up, nearly a million people reported scam calls, texts or emails from criminals posing as UK tax authority HMRC last year - we tell you how to protect yourself. And finally, despite the rising cost of childcare, statistics show a million parents are not claiming for the tax free childcare they are entitled to - are you one of them? Hosted on Acast. See acast.com/privacy for more information.

The "Instagram generation" are more famous for sharing consumption-driven images than being savvy with money - but the social media platform is increasingly providing the "inspo" for young people looking to save money, learn to budget, start investing or get out of debt. Presenter Claer Barrett talks to FT Money writer Katharine Gemmell and FT columnist Jason Butler.  Hosted on Acast. See acast.com/privacy for more information.

Is time running out for pensions tax relief? Chancellor Sajid Javid is reported to be considering a major shake-up of pensions at the Budget in a months time. The FT's pensions correspondent Josephine Cumbo talks to FT Money editor Claer Barrett about what form this could take. Next up, we debate the value of the Winter Fuel Allowance for wealthy pensioners. And finally, our resident property guru James Pickford on how the next property cycle could turn out.  Hosted on Acast. See acast.com/privacy for more information.

Have you been mis-sold pensions advice? FT Money Show presenter Claer Barrett talks to the FT's pensions expert Josephine Cumbo about the suitability of financial advice in relation to retirement planning. Next up on the show we discuss how the new bank overdraft rules could affect you. And finally, does your financial adviser speak your language? FT columnist Moira O'Neill has spoken out against the widespread use of Latin terms in the investment world - should it be allowed to continue ad infinitum?    Hosted on Acast. See acast.com/privacy for more information.

Could your stock picking skills beat the market this year? In this week's FT Money Show podcast presenter Claer Barrett talks to FT Markets reporter Robert Smith about the results of our 2019 contest between readers and FT journalists. Plus we give you details of how to enter this year's competition. Next up, January's nearly over but you still have another 11 months to make good on your New Year's resolutions. If you had resolved to get a pay rise or sort out your pension this year, keep listening as help is at hand.  Hosted on Acast. See acast.com/privacy for more information.

Student debt in the US is crippling millions of Americans. Last year the amount students owed came to a total of $1.6tn - that's 8 per cent of the country's national income. This week we hear from one of the 45m students paying back debts to the government. FT Money Show presenter Lucy Warwick-Ching talks to FT reporter Alice Kantor about why university is so expensive in the US compared to the UK and whether there is anything that can be done about it. Hosted on Acast. See acast.com/privacy for more information.

The well-advised wealthy are worrying that pensions benefits could be cut. FT Money Show presenter Claer Barrett asks the FT's pensions expert for the details. Next up we discuss whether it's better to invest in buy to let or a holiday let? And if you're thinking of buying a new car you might change your mind about how you finance it after you listen to this podcast.  Hosted on Acast. See acast.com/privacy for more information.

Harry Potter will turn 40 in the year 2020, but has he been a wizard with his finances? Presenter James Pickford speculates on his fictional fortune with Moira O’Neill, head of personal finance at Interactive investor - plus we look at the financial impact of a Dry January, and where to find the best deals on gym membership. Hosted on Acast. See acast.com/privacy for more information.

2019 has been a bumper year for bad investments - the unravelling of Neil Woodford's investment empire has left many nursing heavy losses, others have lost money in mini bonds or have money trapped in property funds. Presenter Claer Barrett talks to experts about what people should do if their investments haven't worked. Plus, as we enter the season of goodwill we tell listeners how to talk to their family about money.   Hosted on Acast. See acast.com/privacy for more information.

Finding suitable childcare is an issue that we know makes many of the FT Money Show listeners bawl so we've invited someone onto the show to try to make sense of it. Today's lead guest on the FT Money Show, Izabella Kaminska, was so struck by the financial complexity of working out the costs of hiring a nanny - from tax, to organising a pension and accounting for various extras - she decided to write about her experiences. On this week's podcast Izzy talks to presenter Claer Barrett about the true costs of childcare. Plus, we discuss what makes a person more at risk of being scammed. Hosted on Acast. See acast.com/privacy for more information.

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash. Hosted on Acast. See acast.com/privacy for more information.

Have you ever counted how many online accounts you have? Do you listen to music on Spotify, upload your pictures to the cloud or hold your savings in an online bank account? If the answer is yes to any of these questions you should consider what happens to these assets when you die. On this week's FT Money show presenter Lucy Warwick-Ching delves into the world of digital legacies - from Facebook to cryptocurrencies. She talks to Angharad Lynn of VWV, James Norris of the Digital Legacy Association and Ian Bond of the Law Society about the rise of digital wills and end of life planning companies. Hosted on Acast. See acast.com/privacy for more information.

On this week's FT Money show we discuss investment trusts and the different ways investors can use them in their portfolios. Presenter Emma Agyemang, FT Money reporter, talks to Jason Hollands, managing director at Tilney Group and Moira O'Neill of interactive investor about how listeners can invest alongside the wealthiest families. Plus, the dividend heroes - which offer the most consistent income and are they still a good option for investors? And finally, Merryn Somerset Webb tells listeners why she thinks investment trusts have a better chance of lasting a lifetime compared to other assets. Hosted on Acast. See acast.com/privacy for more information.

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours. Hosted on Acast. See acast.com/privacy for more information.

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget.  Hosted on Acast. See acast.com/privacy for more information.

There's been a series of scary surveys this week about how much we need to save to fund our retirement so Claer Barrett, FT Money editor, has invited Moira O'Neill from Interactive Investor joins onto the podcast to talk us through the numbers. Next up, have you heard of a Susu? Emma Agyemang reveals details about the revival in this decades-old method of saving. And finally, the FT's Rich People's Problems columnist James Max joins us in the studio to discuss the cost of getting a new puppy. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss how tens of thousands of UK private investors are meeting in pubs, restaurants and private homes to discuss how to beat the market - with tips for anyone thinking of doing the same.Plus why the wealthy get married in secret, and how banks could do more to help customers with mental health issues Hosted on Acast. See acast.com/privacy for more information.

Hundreds of thousands of investors with money trapped in the Woodford Equity Income fund found out this week that the fund is to be liquidated, the fund manager would be sacked and that their money would be returned to them eventually. Claer Barrett, FT money editor, talks to guests about how much money investors have lost and how much they are likely to get back and when. Plus we hear from someone who was landed with a £476 fine and a criminal record - just for forgetting to charge her iphone.  Hosted on Acast. See acast.com/privacy for more information.

It's financial planning week and this year's theme is retirement planning. As part of the initiative, thousands of certified planners are offering a free hour-long session to people wanting help with setting their financial goals. FT Money deputy editor James Pickford talks to the FT's pensions correspondent about retirement planning. Plus we hear from Jackie Lockie, head of financial planning with the CISI, and Patrick Connolly of Chase de Vere, about how best to plan for retirement. Hosted on Acast. See acast.com/privacy for more information.

What's the best bank account for students? Who will give you an interest-free overdraft? And how can you get hold of a student railcard? Lucy Warwick-Ching, FT Money digital editor talks to three experts about how to make the most of your money as a student. Plus we hear how your credit rating as a student can affect your ability to get finance long after you've finished studying. And finally Guy Anker of Moneysavingexpert.com tells us why you shouldn't automatically pay off your student loan if you can afford it.  Hosted on Acast. See acast.com/privacy for more information.

FT journalist Alice Kantor's recent column "Why I refused to lend money to my parents" is one of the FT Money's most-read and most commented columns ever. Claer Barrett, FT Money editor, invites Alice onto the show to talk to her about why she said no to her parents request for a loan. We also hear tips on how listeners can say no to friends and family who ask to borrow money.  Hosted on Acast. See acast.com/privacy for more information.

Having a baby is one of the best things that could happen in your life - but sadly it could also be the worst thing that could happen to your finances. We discuss the effects of the gender pay gap. Plus FT Money editor Claer Barrett talks to guests about what kind of investor Adrian Mole could have grown into. And what could happen to the 'best buy' lists used by fund supermarkets in the wake of the Woodford scandal? Hosted on Acast. See acast.com/privacy for more information.

What are the biggest barriers to managing our money? Special guests Martin Wolf, Bobby Seagull and Justin Urquhart Stewart tell presenter Claer Barrett what they would banish to ‘Room 101’ to improve the nation’s finances. This week's podcast comes to you from the FT Money tent at the FT Weekend Festival at Kenwood House.  Hosted on Acast. See acast.com/privacy for more information.

As research shows modern couples are more likely to keep their finances separate, presenter Claer Barrett and guests debate how women in particular are managing their money. Plus, ahead of the new university term we reveal finance tips for students and their parents, and ask what could emerge as the next consumer misselling scandal after PPI. Hosted on Acast. See acast.com/privacy for more information.

With a matter of days until the deadline, presenter Claer Barrett discusses the practicalities of making a claim online with the FT's Money Mentor Lindsay Cook. Plus, how to build effective money habits, and the growing NHS pensions row.  Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests explore how under 40s are using the Lifetime Isa to save for a property, or invest for the future. What strategies are younger investors taking? Plus the new rules on automatic compensation when broadband goes down, and the six ways pensions scammers are most likely to try and con you - would you fall for it?  Hosted on Acast. See acast.com/privacy for more information.

As fears of a 'No Deal Brexit' rise, the pound and share prices of UK domestic stocks have tumbled. Some might see this as a buying opportunity - yet others fear there's further to fall. Termed 'The BoJo trade' by investment pundits, Claer Barrett, FT Money editor asks - which side of this trade are you on? Next up on the show - why are some investors moving into defensive stocks? And finally, we hear from our Rich People's columnist, James Max, about the cost of private medical insurance.  Hosted on Acast. See acast.com/privacy for more information.

If ever there was a word that needed to be retired it's 'retirement'. The kind of images this word conjures up is sunny beaches and no longer having to set an alarm clock, or a stressful feeling about how much longer you will need to work to afford such a lifestyle. This week author Don Ezra talks to FT Money editor Claer Barrett about how best to get to and enjoy what used to be called retirement. Next up, if you're heading off on holiday soon then listen to our top tips on how to get the best deal on your holiday money.  Hosted on Acast. See acast.com/privacy for more information.

Inheritance tax rules are due for a shake up - FT Money editor Claer Barrett asks whether efforts to simplify the system can ever shake off its claim to be "Britain's most hated tax"? Next, experts discuss whether the IR35 tax rules are flawed or not. And finally, Alan Livsey, the FT's wine buff talks about an investment that is literally liquid - fine wine. Hosted on Acast. See acast.com/privacy for more information.

Millions have used a government website to check their state pension, only to find they have missing years of National Insurance contributions. Presenter Claer Barrett and guests discuss what can be done, plus experts debate the future for inheritance tax and whether the cap on high cost credit should be extended.  Hosted on Acast. See acast.com/privacy for more information.

Retirement property has a reputation for being a rip off, but several large operators claim to have reinvented the model. The FT's Money Mentor columnist Lindsay Cook joins Claer Barrett to discuss the issues. Next up, is your mobile phone a drain on your finances? Guy Anker from MoneySavingExpert tells us how. And finally, listeners hear from the FT's Rich People's Problems experts about the controversy surrounding his local tennis club. Hosted on Acast. See acast.com/privacy for more information.

Facebook plans to shake up the finance world with a new digital currency called Libra - we hear about its pros and cons. Next up, we discover what Moll Flanders, the literary anti-heroine, can tell us about modern day bank fraud. And finally we find out how smaller shareholders can stand up for their rights.  Hosted on Acast. See acast.com/privacy for more information.

Do you find yourself stumped by questions about how much to put towards your mortgage payment versus your investments? It may be time for a midlife financial MOT. Presenter James Pickford talks to FT reporter Lucy Warwick-Ching about why advisers are targeting people in their forties and fifties. Next, we speak to a woman who cleared credit card debt to the tune of £16,000. And finally, we discuss what's behind Britain's growing tax gap.  Hosted on Acast. See acast.com/privacy for more information.

How much are you really paying in your taxes to regulate the banks? Presenter James Pickford talks to Paul Lewis, Moneybox presenter about how much it costs to make sure the financial services industry doesn't break the rules. Next, we tell you how to keep your money plans on the straight and narrow. And finally, FT Money Mentor Lindsay Cook sings the praises of a payment card measure that is little promoted by banks but can be extremely effective for consumers. Hosted on Acast. See acast.com/privacy for more information.

Neil Woodford, the star fund manager who launched his own equity fund five years ago, was forced to halt withdrawals from his Equity Income fund last week - FT Money's deputy editor talks to investment reporter Kate Beioley about what went wrong. Next up, listeners hear how to become a Youtube millionaires, and what your choice of wristwatch says about you.  Hosted on Acast. See acast.com/privacy for more information.

Barbie has had more than 200 careers over the past 60 years, including an astronaut, news anchor, fashion model and pop star. But what financial challenges does she face as she heads towards the Barbie Retirement Dream Home? Presenter Claer Barrett talks to Moira O'Neill of Interactive Investor and Michael Martin of Seven Investment Management, plus they debate common problems with inheritance tax and how to avoid a holiday rip-off.  Hosted on Acast. See acast.com/privacy for more information.

How are the UK's wealth managers tackling market turbulence? James Pickford, deputy FT Money editor, talks to Alice Ross about how the private banking industry is reacting to the changing needs of its clients. Plus - we delve into the reasons why some customers are waiting months to have their investments moved from one pension provider to another. And finally, where do Britain's wealthy live?  Hosted on Acast. See acast.com/privacy for more information.

In honour of National Numeracy Day we're looking at why so many women say they're less confident with numbers than men - and why this is a myth we're keen to bust. Bobby Seagull, the FT columnist and possibly Britain's most famous maths teacher joins presenter Claer Barrett to crunch the numbers. Next up Mike Ellicock, chief executive of the National Numeracy charity on the latest numbers quiz. And finally the founder of Boring Money draws some parallels between an aversion to maths and a lack of confidence to invest. Hosted on Acast. See acast.com/privacy for more information.

Would you use your property to supplement your pension? Claer Barrett and guests examine the pros and cons of using equity release. Next, the FT Rich People's Problems columnist James Max talks about bad customer service, and finally, we analyse what people are complaining about.  Hosted on Acast. See acast.com/privacy for more information.

As the world awaits the arrival of the Royal Baby, Claer Barrett and guests discuss finding an investment strategy for your child that's fit for a prince or princess. Plus - are women better at saving than men? Dame Helena Morrissey uncovers the statistics. And finally, we discuss what can be done to tackle Britain's debt crisis. Hosted on Acast. See acast.com/privacy for more information.

Are you investments taking on a green tinge? As climate change protests stop the traffic in London, interest in ethical investing is accelerating fast. FT columnist Merryn Somerset Webb welcomes greater interest from fund managers, but warns it needs to be more than "greenwash" to be effective. Plus Money Mentor Lindsay Cook dissects the problem debts of the wealthy, and as US markets hit a fresh record high. Artemis fund manager Simon Edelsten warns investors about the dangers of hubris. Hosted on Acast. See acast.com/privacy for more information.

Despite changing attitudes in the workforce there are still bosses who wouldn't give you a job if they thought you were going to have a baby in a few years. Lucy Warwick-Ching talks to Mumsnet about the wide disparity in maternity and paternity policies among employers and gives listeners the chance to have their say. Plus - we hear from an "armchair investor" about the realities of trading from the comfort of your home. And finally Jason Butler tells us how to how to maximise the most of the precious thing we own - our time. Hosted on Acast. See acast.com/privacy for more information.

FT money deputy editor James Pickford is joined by Jason Hurwood of Nationwide to discuss the move by the UK’s second biggest mortgage lender into equity release, investment writer Kate Beioley says Brexit is prompting investors to hoard cash, and pensions correspondent Josephine Cumbo looks at new research exposing the costs of exiting a pension scheme. Hosted on Acast. See acast.com/privacy for more information.

In light of the London Capital and Finance scandal the city watchdog is warning consumers about how some high-risk investments are marketed. Claer Barrett is joined by senior FT journalists Barney Thompson and John Gapper to assess what's gone wrong. Next up, could climate change provide a novelway to start a conversation about investment with your children? And finally our Rich People's Problems columnist discusses whether his ski apartment is good value for money.   Hosted on Acast. See acast.com/privacy for more information.

Diagnosing pension problems in the NHS - an FT investigation has revealed that senior doctors and consultants across the country are turning down extra shifts through fear of landing themselves with punitive tax bills. Josephine Cumbo asks whether the pensions taper is bad for our health. Next up, she interviews Paul Lewis, the Moneybox presenter on auto enrolment schemes. Finally, she delves into the world of pet insurance products - did you know there is a fitness tracker for dogs? Hosted on Acast. See acast.com/privacy for more information.

Think you're ready for a financial adviser but you can't find anyone to take your money? FT Money editor Claer Barrett talks to money blogger Iona Bain about why old fashioned advisers don't want young people's money. Next up, podcast guests chat about crowdfunding - how it works, the risks involved - and what a unicorn is! And finally, James Max is causing a stir with his topic of dinner party conversation. Hosted on Acast. See acast.com/privacy for more information.

Are you ready for retirement? Claer Barrett, FT Money editor, and guests discuss the importance of financial planning - whether you're hoping to retire in 50 years or 50 weeks. Plus, first-time buyers get a boost from Help to Buy, but should the government consider aiming a tax break at the 'last-time buyers' to help more of them downsize? And finally, listeners hear from FT Money's new columnist - Jane Owen, whose debut column 'the invisible woman' rails against ageism in society. Hosted on Acast. See acast.com/privacy for more information.

New research says it's possible for younger investors to build up a million pound Isa portfolio - and in this week's podcast Claer Barrett and guests tell listeners how to do it. Also, Kate Beioley talks about how freelance workers can use flexible Isas to smooth out the lumps and bumps in their income, and Moira O'Neill of interactive investor discusses how to set up a stocks and shares Isa. And last but not least James Max, FT Rich People's Problems columnist reveals what it's like to work at an investment bank.  Hosted on Acast. See acast.com/privacy for more information.

Have you cashed in your retirement savings under the pension freedoms rules? If so, are you one of the many UK pensioners who have found that the freedom to do what you want with your savings is not delivering quite what you had wished for? FT Pensions correspondent Josephine Cumbo debates the issues with fellow guests Steve Webb of Royal London, Claire Walsh of Schroders and Malcolm McLean of Barnett Waddington.  Hosted on Acast. See acast.com/privacy for more information.

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss cracking your credit score – including why yours might be worse than you think – and Mike Tuckett from Transport for London, who shares some staggering stats about contactless travel. Bobby Seagull, of University Challenge fame also stops by to sound off about football signs.   Hosted on Acast. See acast.com/privacy for more information.

From rental fees to who owns your financial data - the FT analyses this week's personal finance news and gives you the lowdown in downloadable form. Claer Barrett, FT Money editor, and guests discuss letting agency fees, 'made up' figures in a fintech advert and pension problems for the older generation.  Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests discuss what every female needs to know about her finances. From practicing 'financial self defence', getting started in investing and bridging the gender pay and pensions gap, this special edition of the FT Money podcast covers all these issues and more. Hosted on Acast. See acast.com/privacy for more information.

This special edition of the FT Money show is dedicated to examining the far reaching effects of the loan charge on 100,000 freelance contractors in the UK. Claer Barrett, the FT Money editor, and Emma Agyemang, the FT's tax reporter, talk to individuals facing huge tax bills, and get the inside story from independent tax experts and the politicians who are calling for the law to be changed.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett on the latest finance tips for freelancers ahead of the tax deadline. Plus Paul Lewis, the Moneybox presenter reveals the hidden pitfalls of staying with the same home insurance provider year on year. And finally professor Elizabeth Emens on how tips to help you cross off more things on your financial to-do lists.  Hosted on Acast. See acast.com/privacy for more information.

FT Money Digital editor Lucy Warwick-Ching and guests discuss what open banking is, why it was launched and which are the best apps for consumers. Plus we delve into exactly why despite the hype around the launch, just one in four people have heard of open banking. Hosted on Acast. See acast.com/privacy for more information.

This week's bumper podcast offers listeners the chance to compete against the FT investment experts. Plus FT Money editor Claer Barrett talks to a man who quit his corporate job and took a huge change of career direction. Also on the show is Lindsay Cook, the FT's Money Mentor, on zero per cent credit card deals. And finally, as the Royal Mint launches a new range of collectible coins, we ask if they are ever a good investment. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guest presenter Bobby Seagull of University Challenge fame present a special New Year's edition of podcast packed with tips and ideas for managing your cash in the year ahead, featuring the "financial resolutions" of a host of FT commentators  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett talks to Merryn Somerset Webb about how investors can take advantage of choppy markets. Plus, we highlight the winners and losers of the FTSE 100 stocks and is the small claims court a better bet than the ombudsman service? Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett investing beyond Brexit - what action should you consider to ride out the volatility. Plus as Christmas approaches, what is this year's must have party accessory and will you be buying a present for your child's teacher this year? Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss how tough it is for first time buyers to get onto the property ladder if they don't have help from mum and dad. Plus, the pensions dashboard - it's finally arrived, so what should we make of it. And Rich People's Problems columnist James Max tell us why he's happy to pay though the nose for old fashioned banking.  Hosted on Acast. See acast.com/privacy for more information.

We've devoted this week's Money Show podcast to examining the changing relationship between financial advisers and their clients. Over the past month, more than 400 of you have bared your financial souls to us, completing FT Money's detailed survey about financial advice - covering what you most want to ask an adviser for help with. Claer Barrett and guests discuss what you love and hate about the advice profession. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss Black Friday deals and talk about the campaign to reduce the state pension age for women born in the 1950s. Plus we take another look at investment trusts and whether small companies could bring investors high returns Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss the phenomenal success of the Money Diaries - an online website that has enabled women around the world to anonymously share their financial spending secrets. Plus we hear from a former banker turned entrepreneur who has set up a company to help women take control of their money. Hosted on Acast. See acast.com/privacy for more information.

Lucy Warwick-Ching and guests debate what it means to be refused access to credit, why HMRC is repaying fines it levied for unpaid tax, and how a volatile stock market has lead to Lord Lee selling some shares.  Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss how the chancellor's budget will hit your pocket. Is the new income tax change really as good as it sounds? And how will it affect you if you're self employed or a landlord. Finally, we unpick the pension contribution rules and spell out how much you can contribute. Hosted on Acast. See acast.com/privacy for more information.

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss the perks and pitfalls of company share incentive schemes and columnist Jason Butler stops in to talk curbing Christmas shopping enthusiasm. Finally, why FT Money wants to know what you really think of your financial adviser. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss why people are using their homes as piggy banks and what they are doing with the extra money. Other topics of debate include why more and more investors are sitting on cash rather than putting their money into the stock market, and how to get more women to engage with their finances. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss whether banks are doing enough to help their customers in the fight against fraud. Other topics in this week's show include the oil price and whether it could surpass $100 a barrel, and we hear from the man behind a new tool to help consumers win compensation from high cost lenders.  Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at the rise of cannabis and whether UK investors should be looking to take a position in pot stocks. Plus the rise in stamp duty and why the differences in the way men and women save and spend appear at a very young age.  Hosted on Acast. See acast.com/privacy for more information.

Emerging markets turmoil - how should investors react? James Pickford and guests discuss the options. Also, the HMRC crackdown that threatens huge financial difficulties for thousands of low earners. Plus James Max gives his (controversial) view on how many homes one person should have.  Hosted on Acast. See acast.com/privacy for more information.

As the market gets stickier in the run up to Brexit, the FT Money podcast debates where property prices will go next. Plus Merryn Somerset Webb shares her thoughts on the tenth anniversary of the financial crisis.   Hosted on Acast. See acast.com/privacy for more information.

Does your bank give you a free daily coffee, free cinema tickets, money off meals out or a cheap taxi to the airport? Welcome to the world of premier banking - the FT Money Show reveals more. Plus, as interest rates rise, more homeowners lock into a five year fix, and could soaring valuations of FAANG stocks be coming to an end? Hosted on Acast. See acast.com/privacy for more information.

On this week's show FT Money editor Claer Barrett and guests discuss the growing market for electric cars - what they are like to drive and how the finances stack up. And Terry Smith of Fundsmith calls in to tell us about Smithson, a new investment trust investing in global small and mid cap stocks.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss the latest trends in EIS investments and the rising number of people getting into problem debt. And child trust funds come of age - we explain how to make the most of your investment. Hosted on Acast. See acast.com/privacy for more information.

From sparkling wine to cycling tax breaks,  FT Money editor Claer Barrett and guests discuss the FT's latest personal finance stories.Should you be pouring your money into wine or would you be better off investing in Champagne? And Paul Lewis of BBC radio 4's Moneybox is here to ask what's happened to the government's promise of a pensions dashboard.  Hosted on Acast. See acast.com/privacy for more information.

From banking fraud to pension liberation schemes and property deposit scams, FT Money editor Claer Barrett and guests discuss the latest elaborate swindles and tell you how to avoid them. The techniques that the con artists are using today are worryingly sophisticated - but listening to this special edition of the FT Money podcast should be your first line of defence.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Clear Barrett Barrett is joined by FT political correspondent Laura Hughes and FT Money reporters Aime Williams and Kate Beioley to discuss the likelihood of a no-deal Brexit and what it would mean for your finances. The team also talks travel money tips and FT columnist Jason Butler explains how to cash in by de-cluttering.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Clear Barrett Barrett is joined by columnists Bobby Seagull, James Max and Edwin Esosa for a summery podcast that brings some cold hard maths to this year’s hottest show, analyses the sticky economics of jam making and separates good diversity schemes from bad. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests on upcoming reforms to property leaseholds and how the latest downturn in sterling means you need to get the best possible rate on your money. We discuss the hidden charges that could sting travellers, and how to avoid these. Also, if you listen to the podcast you could be eligible for a special subscriber discount to the digital edition of the FT. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests on what to do if you've been caught up in the train disruption. What are your rights - and what chance do you stand of getting money back if a cancelled train has caused you to miss a flight, or pay to travel by taxi? Hosted on Acast. See acast.com/privacy for more information.

FT Money digital editor Lucy Warwick-Ching and guests on the importance of planning for getting the best out of your retirement. Plus, will you still be paying off your mortgage in your seventies? Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests on the best money saving tips for millennials and how to start a supper club. Also, the FT's Rich People's Problems columnist, James Max, tells us about the biggest expenses claim he's ever submitted Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests on the truth about online gambling and the quirk in the tax system that disadvantages people who read books online. Also, David Stevenson on whether property peer to peer lending is ever a good idea.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss the things people don't know about divorce, what has been happening in the world of investment trusts and discuss the FT's competition on how to spend wisely, and save in style.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss the volatile price of cryptocurrencies, how to cut your performance fees by going to the gym and how wealth managers are adapting to the needs of young people.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss why it's never been easier to view homes for sale on your phone, talking about money and how the decline of the high street travel agent has reduced our consumer rights. Hosted on Acast. See acast.com/privacy for more information.

FT Money reporter Kate Beioley hosts a Millennial Money takeover this week, talking to FT reporters Rianna Croxford, Nicholas Megaw and Camilla Hodgson about the new savings and investing apps that let Millennials manage money from their smart phones. After road-testing the apps, are they helpful hacks or phone-based fads?  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss the risks and rewards of becoming a partner in your firm and delve into the latest statistics on how many people are cashing out of final salary schemes. Plus David Stevenson on investing in oil. Hosted on Acast. See acast.com/privacy for more information.

The Financial Times is busting some Rhymes - Bobby Seagull, the maths teacher celebrates National Numeracy day by unleashing his 'maths rap' on the nation with his co-rapper and FT Money editor Claer Barrett.  Also on the show - why gas bills are rising and how listeners can win £1000. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss  Britain's lack of numeracy skills, how much you need to save in retirement and why young people can start investing for their future.   Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss IHT - Britain's most hated tax, investing in a beach hut and how to launch a second career in your fifties or sixties.  Hosted on Acast. See acast.com/privacy for more information.

Bull, bear, tortoise or hare – now foxes and hedehogs too. Not a new children’s book but a valuable market analogy according to money editor Claer Barrett and guests. Also this week,Merryn Somerset Webb on what the move from QE to QT means for investors, and finally Neil Woodford’s week of woe. Hosted on Acast. See acast.com/privacy for more information.

FT Money deputy editor James Pickford talks to Ludovic Hunter-Tilney, the FT's pop critic, about his quest to value his large collection of vinyl, CDs and cassettes - and how you might do the same. Miles Johnson, FT capital markets editor, on the dangers of setting too much store by investment's popular wisdom. Finally Kate Beioley of FT Money talks about the growing problem of online gambling, with its easy appeal to phone-toting millennials. Hosted on Acast. See acast.com/privacy for more information.

FT Money deputy editor James Pickford and guests discuss buying a boat, HMRC's focus on personal service companies and why investing in cryptocurrencies doesn't always pay off.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests discuss the pros and cons of selling energy back to the grid if you have solar panels. Also, we give you ideas to get started on saving into a pension if you're freelance and finally Jason Butler, FT Money's Wealth Man on who to plan financially for life transitions before they happen. Hosted on Acast. See acast.com/privacy for more information.

FT Money deputy editor James Pickford and guests discuss the pros and cons of buying and running your local pub. Also, Richard Donnell of Hometrack tells listeners what's happening to house prices across the UK, and finally James Max, author of Rich People's Problems, on a trend for growing your own vegetables. Hosted on Acast. See acast.com/privacy for more information.

FT Money digital editor Lucy Warwick-Ching and guests discuss when people should pay for advice and how best to get it. The show delves into the different levels of advice available and how to choose the adviser best suited to you.    Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett talks to Sarah Coles, personal finance analyst at Hargreaves Lansdown about the surprise potential demise of 1p and 2p coins, announced in the Spring Statement this week. Claer also talks to investment reporter Kate Beioley about Spring Statement changes to a group of tax-efficient investments. Finally FT Money Mentor Lindsay Cook stops in too to talk what's wrong with industry ombudsmen.  Hosted on Acast. See acast.com/privacy for more information.

In honour of International Women's Day FT Money editor Claer Barrett and guests discuss why women don't invest more. Plus pensions down under - what Brits could learn from the Australian savings habit. And how Britain's shrinking bank branch network is the new front line in the fight against fraud.   Hosted on Acast. See acast.com/privacy for more information.

FT Money digital editor Lucy Warwick-Ching and guests discuss Individual Savings Accounts (Isas). This podcast explains the rules, spells out the best investments and dissects the different types of Isas available.   Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett talks to Rosie Carr, deputy editor of Investors Chronicle about the rising cost of care homes and how to find a suitable one for your loved ones. They discuss ways to plan ahead so you can afford the fees and perhaps leave something in your estate for your relatives.   Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett on the investment case for using reusable coffee cups - how they can save you money as well as saving the planet. Plus, Claer and Moneybox present Paul Lewis get to grips with the new Scottish income tax bands. And finally, the show ends with guests discussing how much risk accident victims should be expected to take when investing their compensation funds.   Hosted on Acast. See acast.com/privacy for more information.

FT Money digital editor Lucy Warwick-Ching on the best financial apps to use to teach children about managing money. Along with a psychologist she also delves into the vital lessons we all need to learn about cash Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests debate the real value of property and the demise of family trusts. James Max drops into the studio to discuss his latest Rich People's Problems column on paying thousands of pounds a year in private club memberships.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett on the perils of investing in Bitcoin. She also takes a closer look at whether people should invest in retail shares and debates the financial risks of being female following the publication of a report that claims that young women today face greater financial insecurity.  Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests debate the true meaning of risk for retail investors, and Professor John Kay reveals why he thinks new European legislation will be a hindrance, not a help. Plus Maike Currie questions why the latest investment book features 67 men and only one woman, and consumer finance experts Georgie Frost and Helen Dewdney tackle "Blue Monday Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett and guests debate why young people think money is boring and come up with ways to convince them otherwise. Bobby Seagull, the University Challenge semi finalist reveals his unconventional methods for getting teenagers to love maths. Finally, why being single could prevent you from getting on the first rung of the property ladder Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett on whether you should attempt to hedge your finances against a future Corbyn government. Next she interviews Rich People's Problems columnist James Max on why he won't be wasting his money on a gym membership this January and finally Ed Bowsher tells listeners why more of us are drinking Prosecco.  Hosted on Acast. See acast.com/privacy for more information.

FT Money presenter Claer Barrett and guests discuss whether or not Bitcoin deserves a place in your investment portfolio and why restaurant service charges leave a bad taste in the mouth. Finally, why we might all be renting used cars in the future instead of buying. Hosted on Acast. See acast.com/privacy for more information.

FT Money digital editor Lucy Warwick-Ching delves in the world of private education and talks to experts including the Good Schools Guide. She and her guests reveal how much it actually costs to send your child to private school as well as tips on how to pay for fees and also some of the tricks to help you get a discount. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett quizzes James Max about his experience of being fired and asks him to come up with solutions to your Rich People's Problems questions. Merryn Somerset Webb joins them later to give her views on last week's Budget.   Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Lucy Warwick-Ching and guests discuss the Budget announcements and what what it means for your pocket. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss how much is enough when your saving into a pension, whether stamp duty is suffocating the housing market and what property measures we can expert in next week's Budget.  Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett speaks to Holly Mackay of Boring Money and the FT's Vanessa Houlder in the wake of the Paradise Papers, discussing the widespread nature offshore investments and collective investment vehicles. Plus Paul Lewis outlines why the Budget could bring reforms to Universal Credit, and Leonora Walters of the Investors Chronicle explains why discounts on many investment trusts are narrowing.  Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Hugo Greenhalgh and guests discuss the rise in property prices, how to build a house, and the Great British pensions cash-in.  Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss the merits of tooth whitening, the FCA's new campaign on investment fraud and the ten nastiest tax problems  Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss the rise in inflation, the best ways to Brexit-proof your investment portfolio. Finally they discuss how the Germans save and invest and whether we can learn anything from this in the UK. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter James Pickford and guests discuss ETFs - one of the biggest investment trends of recent years. They also debate the way we measure inflation and analyse what's happening at Barclays Smart Investor platform. Hosted on Acast. See acast.com/privacy for more information.

As art collectors gather for the Frieze Art Fair in London, we ask if fine art can produce a dazzling investment return, plus Merryn Somerset Webb on the Fidelity fees shake up and Jason Butler talks about why you shouldn't rely on the Bank of Mum and Dad. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss what millennials need to know about money, whether classic cars are ever a good investment, and if company pension schemes are too pricey. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss whether investors should buy into the china story, how to get compensation for cancelled Ryanair flights and how solar panels work in practice. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett talks to Moneybox presenter Paul Lewis about how to spot a financial scam. Also, with more of us working in the so-called 'gig economy' what are the money matters that you need to know about, and finally on the show we discuss the pros and cons of investing in wine. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests discuss the ongoing problems at Barclays new Smart Investor website, give financial tips for new university students and debate the benefits of active verses passive fund management. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the financial advice we would love to give the characters on the Archers, the latest Rich People's Problems column on losing a drone, and which small-cap share should be the hero of your portfolio. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on how small shareholders can get involved in managing the companies they invest in, why some landlords are not paying enough tax and savings accounts that pay more than the rate of inflation. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on lasting powers of attorney, whether employers are paying enough into company pensions and asks her guest how long he would spend trying to extract a pound coin if it got stuck in a supermarket trolley. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on why rich people should have a titanium credit card, whether the 'black box' technology could result in a car insurance discount and why some people are borrowing against their homes to buy shares. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on why it might be a good time to invest in pharmaceutical giant Astra Zeneca, the advantages of investing in Aim shares and the phenomenon of restart parties designed to save money - and the planet. Hosted on Acast. See acast.com/privacy for more information.

FT Money's wealth correspondent Hugo Greenhalgh is joined by FT Money columnist Lindsay Cook to discuss what living to 100 means for your money. Plus, investment reporter Aime Williams on overpriced tracker funds, and financial expert Ben Yearsley on how to cope with rising school fees. Hosted on Acast. See acast.com/privacy for more information.

FT Money's wealth correspondent Hugo Greenhalgh is joined by investment reporter Aime Williams to discuss interest-only mortgages. Plus, Lucy Schonegevel of Macmillan Cancer Support on the enormous travel insurance premiums facing former cancer patients, and FT Money deputy editor James Pickford probes the issue of conveyancing fraud. Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett is joined by investment expert Alex Davies to discuss the perks and pitfalls of VCTs. Plus Emma Dunkley, the FT's retail banking correspondent, on why Lloyds is scrapping overdraft charges, and Family Money columnist Lucy Warwick-Ching reveals why HMRC's new tax-free childcare accounts are causing parents to have tantrums. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter James Pickford and guests on HMRC taking action against people who evade tax, why some homeowners are staying put in their properties rather than moving up the ladder, and how some people are being forced to pay stamp duty twice. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter James Pickford and guests on how a new FCA report into fund management is set to shake up the industry, how to claim for PPI compensation and property funds, a year on from the trauma of frozen withdrawals. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Lucy Warwick-Ching on what's driving inflation up, how to inflation proof your finances and how pensioners can protect their assets in this climate. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the aftermath of the general election, profit warnings and why you may not be rich enough to hold a multi-currency bank account. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the tax benefits of getting married, the UK pensions system and quantitative easing. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett is joined by BBC Money Box presenter Paul Lewis and guests to discuss the recent chaos for British Airways passengers, the impact of redundancy on family finances and why the Isa should be scrapped. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, columnist Merryn Somerset Webb tells presenter Claer Barrett why the Conservative party was wrong to u-turn on its manifesto pledge to change how social care is funded. Plus, what kinds of price reductions are buyers able to negotiate in the current property market, and how it's possible to invest in stem cell research. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett is joined by Money columnist Jason Butler and guests to discuss low-cost fund giant Vanguard's new online investment service, how much MP's pension schemes are worth, and what investors should do if the stock market crashes. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the rise in property fraud, whether you should buy a used car and investing in technology. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the new IHT rules, the bank of mum and dad and how to get a free financial planning session. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Hugo Greenhalgh and guests on whether the pensions triple lock will last past the election, how cashing in your pension could affect your ability to borrow and investing in minibonds. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Hugo Greenhalgh on the countdown to the general election and why batteries are the next big investment. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter James Pickford and guests on credit card debt, UK investors and the virtues of simplicity in financial planning. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the lifetime Isa, how investors can play the inflation trade, credit card debt problems and how to avoid sky high charges at the airport. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett is joined by pensions correspondent Josephine Cumbo and guests to discuss the problems faced by higher earners hit by the pensions taper one year on, how you can set up last minute investments for your children and grandchildren, and why those with mortgages on holiday homes are facing currency charges. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer Barrett and guests on the soaring popularity of car leasing deals, online estate agents and the new pound coin. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Hugo Greenhalgh and guests on how to invest in space, Scottish taxes and the benefits of children's bank accounts Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Lucy Warwick-Ching and guests discuss the 'slow and steady' Budget announcements and what it means for your pocket. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter Claer and guests discuss the growing family of tax free Isas - and how your whole family can use them to invest. Hosted on Acast. See acast.com/privacy for more information.

FT Money Show presenter James Pickford and guests discuss digital innovation, final salary pensions schemes and fund fees. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests discuss passive investing, National insurance and why new businesses are being started by older people. Hosted on Acast. See acast.com/privacy for more information.

FT Wealth correspondent, Hugo Greenhalgh is joined by Lee Goggin of find a wealth manager to discuss how to leave your wealth manager without incurring punitive charges for doing so. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett is joined by the FT's wealth correspondent to talk about the financial repercussions of a dementia diagnosis, plus columnist Jason Butler on how to get to grips with your finances, and how the rules around binary trading are tightening up. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett is joined by Money columnist Merryn Somerset Webb and guests to discuss why Warren Buffett is not really a value investor, whether employee share schemes are ever a good idea and the reasons behind one wealth manager's recent interest in female clients. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett is joined by the writer Daniel Pembrey to discuss sleep clinics for the wealthy, plus Paul Lewis on the "tax trap" for those earning six-figure salaries, and could US small cap stocks be the way to play President Trump's inauguration? Hosted on Acast. See acast.com/privacy for more information.

Psychologists have identified six common traits that can lead to bad financial decisions - so are you a cash splasher, an ostrich or an anxious investor? Plus, the trading secrets of Car Boot sales, and the rising costs of social care. Hosted on Acast. See acast.com/privacy for more information.

FT pensions correspondent Josephine Cumbo joins presenter Claer Barrett to analyse record transfer valuations for final salary pensions. Isa millionaire Lord Lee discusses the state of his portfolio, while Wealth Man columnist Jason Butler asks if money can really buy happiness. Hosted on Acast. See acast.com/privacy for more information.

Following a year of political shocks, JP Morgan's Stephanie Flanders and the FT's Jonathan Guthrie discuss what may come next. We also discuss the disappearing £50 note. Hosted on Acast. See acast.com/privacy for more information.

Investors who have done well out of Airbnb are being targeted by councils who see the site as a force shrinking the supply of rental properties. Presenter James Pickford and guests Madhu Murgia, David Stevenson and Vanessa Houlder also discuss investment opportunities arising from the US election and the difficulties of using offshore tax structures. Hosted on Acast. See acast.com/privacy for more information.

Lindsay Cook reveals how to save on champagne, perfume and other high-value items. FT journalists Hugo Greenhalgh and Thomas Hale discuss private jets, which can be surprisingly economical, and letting agents' fees, which have been astonishingly high. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett is joined by tax and pensions experts Raj Mody of PwC, Christine Ross of Handelsbanken Wealth Management and Nimesh Shah of Blick Rothenberg to discuss the main points of Philip Hammond's first Budget statement Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter James Pickford and guests discuss how to invest in infrastructure as governments boost their spending, which fine wines you should be buying for your Christmas table, and how much you should pay for a Himalayan crocodile handbag. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests discuss what fund managers are advising us to do with our money in light of potential changes in the US economy and foreign policy. Also on the show: the Tesco Bank hack, and former pensions minister Baroness Ros Altmann on the problems with the Lifetime Isa. Hosted on Acast. See acast.com/privacy for more information.

In this week's edition of the Money Show, Claer Barrett and guests discuss biometrics, sustainable investing and how the dystopian future of hit Netflix show Black Mirror could soon be a reality of our personal finances (sort of). Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests discuss the trend for investment trusts to venture into esoteric asset classes as they reinvent themselves, as well as the launch of a new, crowdfunded version of the traditional vehicle that promises accountability and transparent fees. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and guests discuss how to invest amid rising inflation in Britain, and the place of Asian stocks in a portfolio. We also hear from the Conservative MP who wants the new, Lifetime Isa to be put to rest. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett and guests discuss "the switcher's charter" as they look at how to get the best deals on your mortgage, bills or bank account, how the chancellor can help first time buyers, and why millennials keep losing their pensions. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett and guests discuss the problems of buying listed buildings, the outlook for pensions from the Tory party conference, and how your budding new romance may soon be hit with a "love tax." Hosted on Acast. See acast.com/privacy for more information.

Central bank monetary stimulus is propelling the prices of traditional income-producing investments ever higher, reducing their yields and sending income-hunters into riskier assets. How to assess whether what your money manager is selling you is safe. Plus: paying tax on our smartphones, and where our donations to medical research really go. Hosted on Acast. See acast.com/privacy for more information.

In this week's Money Show, presenter Josephine Cumbo discusses the need for digitisation of pensions, how to make your existing pension pot last, and why the retirement industry must become less boring for younger savers. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Naomi Rovnick and guests discuss the rise of the 'do it for me' economy, absolute return funds, and how to make the most of your workplace cycle to work scheme. Hosted on Acast. See acast.com/privacy for more information.

In this week's Money Show, presenter Claer Barrett and guests discuss whether it is time to bail out of London real estate, as well as the future for investing in bond proxies, and why UK economic data has surprised on the upside. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett is joined by Jason Hollands, managing director of investment adviser Tilney Bestinvest, to discuss how wealthy investors are pushing up demand for tax-efficient Venture Capital Trusts (VCTs) as new rules restrict how much they can save into their pensions. Plus, reaction to Andy Haldane's comments on how he'd pick property over a pension, and the early impact of London's 24 hour tube. Hosted on Acast. See acast.com/privacy for more information.

The "rich kids of Instagram" phenomenon has unsettled many parents, affluent or not. How can you ensure your children have enough to do what they want, but not so much that they do nothing? Also on the show: zero interest credit card transfers Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Jo Cumbo and guests discuss whether it's time to cash in that precious "gold-plated" company pension. Hosted on Acast. See acast.com/privacy for more information.

In this week's FT Money show, presenter Claer Barrett and guests discuss student loans, leasehold properties, and how to talk to your children about your wealth. Hosted on Acast. See acast.com/privacy for more information.

In this week's Money Show, FT correspondents and outside guests tackle questions we have received from our community of readers and listeners on Brexit and the pound, property and interest rates. Hosted on Acast. See acast.com/privacy for more information.

In this week's Money Show, presenter Claer Barrett and guests discuss fine wine, bond funds, savings accounts and the Bank of England's interest rate decision Hosted on Acast. See acast.com/privacy for more information.

Commercial property funds are pulling up the drawbridge after Brexit. FT Money deputy editor James Pickford discusses your options, as well as looking at the commuter chaos on Southern Rail, and a new tax clampdown on contractors. Hosted on Acast. See acast.com/privacy for more information.

Much of what will happen after Brexit remains obscure, but in this special post-referendum podcast, FT Money deputy editor James Pickford and guests discuss the ramifications for the future of British investments, property and pensions. Hosted on Acast. See acast.com/privacy for more information.

Some people are so good at collecting air miles and hotel points that they live a life of luxury for a fraction of the cost, but how easy is this for the average person? FT Money deputy editorJames Pickford and guests also discuss the latest woes in the beleaguered annuities market, and whether or not retail investors should bother with private equity funds. Hosted on Acast. See acast.com/privacy for more information.

How new micro-investing apps could help young people to invest their spare change. Plus does cash beat shares? Presenter Claer Barrett probes Paul Lewis on his latest research, and we ask how sustainable oil dividends are for investors. Hosted on Acast. See acast.com/privacy for more information.

Higher costs and tighter mortgage lending mean the sums no longer add up for many landlords. Presenter Claer Barrett and guests discuss the growing attractiveness of property in the north of England, plus John Lee debates how to get your children interested in the stock market, and we ask what would you do with your money if you only had a year to live? Hosted on Acast. See acast.com/privacy for more information.

Women display reckless caution through their love of cash savings and are missing out hugely on stock market returns. Claer Barrett and guests discuss why women avoid putting their money to work in financial markets, and what they and the (male dominated) asset management industry should do to solve this problem. Hosted on Acast. See acast.com/privacy for more information.

Presenter Claer Barrett and asset management experts discuss the multitude of charges taken out of our investment funds, workplace pensions and SIPPs. The FT's wealth correspondent Hugo Greenhalgh talks about the financial challenges facing Britain's "squeezed middle", who get less government assistance as their cost of living mounts. Columnist Lindsay Cook reveals the difficulties she encountered in helping a friend who has multiple pensions. Hosted on Acast. See acast.com/privacy for more information.

Are loans that can eat up the value of your home ever worth it? Claer Barrett and guests discuss the pros and cons. Hosted on Acast. See acast.com/privacy for more information.

Should investors bet on Brexit? With a few weeks to go until the referendum, should private investors be prepared for mayhem in the markets – or a “snapback” in UK equities if Britain votes to stay within the EU? Presenter Claer Barrett and David Stevenson, the FT's Adventurous Investor, map out potential trading routes. Plus former UK pensions minister Steve Webb argues for the speedy introduction of a "pensions dashboard" to help savers see if their retirement funds are running on empty. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss how to prevent a white wedding tipping your finances into the red. Plus the rise of online betting and the row over second homes in St Ives. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss how you may benefit from waiting to start dipping into the UK state pension, as well as the merits of fund managers and financial advisers spending so much time on the golf course. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss the attractions of investing in commercial property, whether now is the time to invest in oil stocks, and how auto-enrolment pensions don't add up Hosted on Acast. See acast.com/privacy for more information.

Naomi Rovnick and guests discuss the impact of EU membership on UK investors, as well as fund managers' short-termism and how useful the Panama Papers could prove to HMRC Hosted on Acast. See acast.com/privacy for more information.

Why runaway classic car price rises could slow down The wealth management bandits who raid expats' savings Asian stocks as income investments Hosted on Acast. See acast.com/privacy for more information.

Are we investing our pension cash wisely or being scammed?Buy-to-let investors in panic rush to buy before a big tax rise Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss whether young people are entitled to moan about money, whether loyalty pays with store cards, and how investors could quantify political risks Hosted on Acast. See acast.com/privacy for more information.

George Osborne's Budget delivered a surprise boost for millennials in the form of the Lifetime ISA. But how will it hit other age groups in the wallet? FT Money editor Claer Barrett gets first reactions from Raj Mody, head of pensions at PwC; Christine Ross, head of advice at wealth management firm Heartwoods, and Nimesh Shah, partner and tax specialist at Blick Rothenberg. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss the costs of matchmaking and changes to how pensions are taxed in the UK Hosted on Acast. See acast.com/privacy for more information.

The likely cost to investors of a Brexit. How fund managers' fees can swipe 40% of a retirement pot. Income investing and your Isa. Hosted on Acast. See acast.com/privacy for more information.

Are emerging market stocks in the bargain bin for good reasons? Or is it time to buy back in? How should emerging markets fit into a balanced portfolio? Hosted on Acast. See acast.com/privacy for more information.

Why people earning £100k or more are paying a marginal tax rate of 60 per cent. The pitfalls of trying to pick stocks in China. How 'smart beta' is causing dumb investing decisions. Hosted on Acast. See acast.com/privacy for more information.

Millennial money: how 20-somethings think about finance.The ease of sinking into unmanageable credit card debt. Divorce for £59 online? This could be a costly DIY mistake. Hosted on Acast. See acast.com/privacy for more information.

The lowering of the lifetime pension savings allowance. Should people near retirement continue building pension pots?Investment fund managers buying 'valueless' research: how this hits your pension. Hosted on Acast. See acast.com/privacy for more information.

FTSE dividend yields are high, but is this a warning sign?The assault on the buy-to-let sector.Why digital tax returns really are exciting. Hosted on Acast. See acast.com/privacy for more information.

How to pick stocks for an oil price recovery. Why "flatflation" (zero inflation) will hit our finances.Higher-rate pension tax relief - why it could be scrapped. Hosted on Acast. See acast.com/privacy for more information.

Plan and finance the sabbatical or extended beach holiday you've always dreamed of. Why wealth advisers are still really just chasing fees. HMRC cracks down even harder on undisclosed offshore funds. Hosted on Acast. See acast.com/privacy for more information.

A former big company MD tells you how to argue for a raise, while we also advise how to detox your finances for 2016. Hosted on Acast. See acast.com/privacy for more information.

How to invest in an environment of rising US interest ratesWhy European stocks look attractive Hosted on Acast. See acast.com/privacy for more information.

Pensions freedoms and the risks of adult children financially abusing their parents. Generation rent struggles to get on the housing ladder. Time to buy European stocks for their dividends. Hosted on Acast. See acast.com/privacy for more information.

Baron Lee of Trafford shares his stock-picking strategiesThe best ways to save money on your Christmas shopAre Help-to-Buy ISAs worth it? Hosted on Acast. See acast.com/privacy for more information.

FT Money editor Claer Barrett debates the Autumn Statement's property shock with tax experts Hosted on Acast. See acast.com/privacy for more information.

Is divorce getting cheaper for high earners? Fund managers pressured to come clean on hidden costs. Fundsmith founder Terry Smith's top investment tips Hosted on Acast. See acast.com/privacy for more information.

From stakes in crematoria to leasing dustbin vans...we profile the unusual tax-efficient investments that remain available in the UK, following the government's moves to close multiple loopholes. This episode also discusses how to not get caught by mortgage or insurance deals ending, and Brits' enduring love of buy-to-lets as pension proxies. Hosted on Acast. See acast.com/privacy for more information.

Who is willing to pay for your data?Why MPs have rapped HMRC for its customer service. Which stocks will benefit from resurgent UK consumer spending? Hosted on Acast. See acast.com/privacy for more information.

As its Halloween, this Money Show discusses pension changes that promise more trick than treat, the "hammer horror" of auction house commissions, and why even companies with the growth profile of zombies can provide juicy dividends. Hosted on Acast. See acast.com/privacy for more information.

How the pension needs of nannies will raise the bills for middle class parents.Investment trusts come under scrutiny. How to invest in the growing spending power of the Chinese consumer. Hosted on Acast. See acast.com/privacy for more information.

FT deputy personal finance editor James Pickford and guests discuss how the government is putting buy-to-let investors under stress, and how young people should plan their finances for a lifetime. Hosted on Acast. See acast.com/privacy for more information.

The FT's Money Mentor looks at student money worries. Plus Steve Webb, the former pensions minister, answers questions on the new State Pension. And we delve into HMRC's plans for digital filing. Hosted on Acast. See acast.com/privacy for more information.

Celebrity sportspeople can earn hundreds of thousands of pounds a week - but how do they make the good times last? Plus veteran investor Terry Smith tells us why he doesn't hold pharma stocks, and FT Money's new columnist Paul Lewis, presenter of Moneybox, tells us why he thinks Premium Bonds are a good bet. Hosted on Acast. See acast.com/privacy for more information.

A trip to the hairdressers inspires FT Money editor Claer Barrett to delve into defensive shares. Plus we analyse the growing pensions drawdown market and take a look at the mini bonds market. Hosted on Acast. See acast.com/privacy for more information.

Leading economist and finance industry insider John Kay talks exclusively to the FT's Claer Barrett about what has gone wrong in the dark heart of the finance sector. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss the aftermath of 'Black Monday' in Chinese markets for private investors, and how the digital revolution is finally reaching the world of private banking Hosted on Acast. See acast.com/privacy for more information.

With a pension savings crisis looming and sweeping changes affecting the rules on how we spend and deploy our retirement savings, it's becoming ever harder to avoid the issue.Judith Evans talks to savers and pensions experts about how best to plan for retirement. Hosted on Acast. See acast.com/privacy for more information.

This week we look at how to prepare for an interest rate rise plus how to make money from gold. And for the more adventurous investor, we examine the prospects for Chinese funds Hosted on Acast. See acast.com/privacy for more information.

This week's podcast examines the dilemma of whether you should sell or rent out your home if you're offered a job abroad. Plus, we examine liquidity risks of income drawdown and the tax breaks on social investments. Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss some unusual investments that warrant investor caution, and the implications of a landmark ruling for those leaving a financial legacy to their families Hosted on Acast. See acast.com/privacy for more information.

Investors in farmland reap a rich harvest. Plus we look at the attractions and risks of angel investing and how the dividend tax could deliver a bumper year. Hosted on Acast. See acast.com/privacy for more information.

FT Money looks at the ups and downs of being a female breadwinner. We also discuss what China's market meltdown means for your investments and HMRC's latest crackdown on those it thinks have broken the rules. Hosted on Acast. See acast.com/privacy for more information.

How will the measures in the first Conservative Budget since 1997 affect your finances? Jonathan Eley unpacks the policy details with the help of Nimesh Shah, partner at Blick Rothenberg; Jason Butler, founder of Bloomsbury Wealth, and Claire Evans, partner at Deloitte. Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss the costs and challenges of building your own home, what those travelling to Greece should carry in their wallets, and the rise of community share offers to fund local projects Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett and guests discuss what Greek debt negotiations mean for European investors, making money from spare bedrooms and parking spaces, and what distinguishes guidance from advice for pension savers Hosted on Acast. See acast.com/privacy for more information.

As Aim celebrates 20 years on the LSE, Claer Barrett and Professor Paul Marsh assess the risks. And Josephine Cumbo asks what more could be done to help UK pensioners access their pension cash. Hosted on Acast. See acast.com/privacy for more information.

As the summer wedding season approaches more of us are insisting on a pre-nup before we walk down the aisle. Are these legally binding? Plus we ask whether London can learn from Berlin in terms of rent controls and discuss pension freedoms Hosted on Acast. See acast.com/privacy for more information.

This week Merryn Somerset Webb makes a guest appearance on the show to talk about her column on the path to financial happiness. We also debate what the sell off of Lloyds shares means for investors and delve into anomalies in the tax system Hosted on Acast. See acast.com/privacy for more information.

This week we delve into the Queens Speech and how it could transform the UK's housing market. Plus what is the future for banks, and should you use a saftey deposit box in light of the Hatton Garden heist Hosted on Acast. See acast.com/privacy for more information.

It's the 30th anniversary of FT Money - we look back at three decades of investing. This week, new FT Money editor Claer Barrett also delves into the world of nanny tax and investing in wine Hosted on Acast. See acast.com/privacy for more information.

The FT's James Pickford talks to Knight Frank's Liam Bailey about the housing market post election. This week's show also examines Brewdog's bid to raise £25m from crowdfunding and what the new pensions minister means for your retirement savings Hosted on Acast. See acast.com/privacy for more information.

This week we look at the effect of the Election on your finances, alternative ways of getting onto the property ladder and the bond market warnings. Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at the latest events at Alliance Trust and the threats facing final salary pension schemes. Jonathan Eley also interviews the FT's James Mackintosh about the investment trend to 'Sell in May'. Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the plight of payday lenders subject to tighter regulation, lending in the first year after the mortgage market review, and whether enthusiasm for Neil Woodford's small cap investment trust is justified Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss what the period of zero inflation means for mortgage borrowers, how political parties are planning to raid pension tax relief, and what the electoral roll is used for beyond voting Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at how easy it is to transfer a child trust fund into a Junior Isa. Jonathan Eley also questions whether the 'wall' of pension money set to hit the buy-to-let market could actually be just a trickle. And the team examines what new tax reliefs are available to taxpayers and savers. Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at taking cash out of your pension fund and whether fund managers are looking after your money. Jonathan Eley also talks to James Pickford about the outlook for holiday property. Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss what to expect from free guidance on pension options, whether house prices are finally coming off the boil, and the future of the UK's largest investment trusts Hosted on Acast. See acast.com/privacy for more information.

George Osborne's no-giveaway budget has given away a higher personal tax allowance, access to retirement annuities (but a cut to the lifetime pension allowance), and a new Help to Buy ISA for first-time home-buyers. Matthew Vincent discusses how these measures will affect your finances with the help of Nicola Roberts, partner at Deloitte; Nimesh Shah, partner at Blick Rothenberg; and Jason Butler, founder of Bloomsbury Wealth. Hosted on Acast. See acast.com/privacy for more information.

This week's show delves into the new digital passport and offers advice on where to put this year's Isa allowance. We also ask who is really to blame for the tax avoidance scandals that have been hitting headlines? Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the effect of a stronger pound on holidaymakers, why money is pouring into risky crowdfunding and ways to invest in farmland Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at how investors are reacting to the uncertainty surrounding the general election. James Pickford also delves into green energy and the mysterious world of car financing Hosted on Acast. See acast.com/privacy for more information.

Lucy Warwick-Ching and guests discuss Hargreaves Lansdown's cut to drawdown costs, why people are prone to making irrational investment decisions, and the merits of investing in enterprise investment schemes Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss a new service that promises to speed up home purchases, record private sector pension scheme deficits, and the latest in the debate on fund management fees Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss compensation for those mis-sold credit card insurance, measures to help pension savers make the right financial decisions, and the new property portal OnTheMarket.com Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the FCA's criticism of the savings market this week, why equity release is on the rise, and the vulnerability of investments and savings to cyber criminals Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss the importance of company management for investors, tips for taxpayers ahead of the self-assessment deadline, and proposals that would allow annuity holders to sell their products Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the major pension reforms effective in April, how the mortgage market slowdown is affecting high-value borrowers, and the troubles afflicting student accommodation funds Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss whether free current accounts are under threat, the investment climates in Japan and Russia, and whether people are receiving better financial advice two years after major reforms Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss how Tesco's woes are affecting investors, why the new single tier state pension does not benefit everyone, and how new regulations will affect the payday lending industry Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss changes to stamp duty rates for house buyers, inheritance rules for individual savings accounts, and changes for peer-to-peer lending Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss whether an FCA investigation will make it harder to get a credit card, if booming returns for buy-to-let landlords can be sustained, and how investors can profit from pet animals Hosted on Acast. See acast.com/privacy for more information.

This week's show discusses forthcoming changes to state pension rules, whether multi-asset funds present solutions for ordinary investors, and how a vote in Switzerland could affect the gold price Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and FT colleagues discuss the expected demise of so-called payday lenders, the rise of mortgage brokers and other intermediaries, and the opening up of the Shanghai stock exchange to foreign investors Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at the impact of this week's court ruling on holiday pay entitlements, why people choose to leave their natural heirs out of their will, and how salary sacrifice can be used to save tax Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss whether Lloyds' branch closures spell the end of high street banking, the third birthday of junior individual savings accounts, and where value may lie in European shares Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at new mortgage deals offering very low interest rates, the performance of ethical investment funds, and Jonathan Eley talks to Equitable Life pension holders who were protesting this week Hosted on Acast. See acast.com/privacy for more information.

FT economics editor Chris Giles joins Jonathan Eley to discuss the impact of the latest inflation figures. Also in the show, is the arm of the taxman reaching too far? And why the latest pension freedoms may not prove revolutionary Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the government's wish for us to stay in work longer, whether Brazil's elections may boost emerging markets, and whether money can be made from collecting antique books Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss who will really benefit from pension funds passing tax free to heirs, how some people are trapped on their current mortgage rate, and whether ready-made asset portfolios are any good Hosted on Acast. See acast.com/privacy for more information.

This week's show looks at how a proposed mansion tax may work and who would be affected, plus how behavioural psychology can aid investors, and how inheritance laws are changing where there is no will Hosted on Acast. See acast.com/privacy for more information.

Should you use your pension pot to repay your mortgage? Also in this week's show, is property investment through peer-to-peer lending worth it? And why should investors be cautious about Alibaba's IPO? Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests, Jane Sydenham of wealth manager Rathbones and David Hollingworth of London and Country Mortgages, discuss the potential impact of a "Yes" vote next week for private investors and for the property market. Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss expensive legacy pension schemes, the challenges faced by those who do not manage their finances online, and why PPI compensation isn't yet finished Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss why you need to be more careful than ever when choosing an annuity, how long the bond bull market can last and the football fund run by former England boss Terry Venables Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the Bank of England's latest comments on house prices and wages, challengers to incumbents in retail banking, and whether now is the time to return to actively managed funds Hosted on Acast. See acast.com/privacy for more information.

In this week's show, James Pickford and guests discuss strange deals in the mortgage market, why exchange-traded funds are in vogue, and how many pensioners are stuck in poor value pension products Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss how changes in the asset management industry could benefit investors, the potential risks for corporate bond funds, and the sale of inappropriate annuity products Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss new pension rules that will apply from next April, what to bear in mind when buying property overseas, and how investors can access ideas emerging from universities Hosted on Acast. See acast.com/privacy for more information.

What's your employer doing with your pension? Jonathan Eley and guests also discuss HMRC's crackdown on tax avoidance scheme investors, and the latest venture aimed at spreading financial risk across generations Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss the state of the UK savings market, whether retail investors should look again at China and India, and if buy-to-let landlords will ever have it so good again Hosted on Acast. See acast.com/privacy for more information.

James Pickford hosts a discussion of the appeal and risks of popular property funds as well as a new sharia-compliant pension product, plus the insights of FT investment editor James Mackintosh on where value lies for investors Hosted on Acast. See acast.com/privacy for more information.

In this week's show, Jonathan Eley and guests discuss the Bank of England's measures to cool the UK's housing boom, a range of tax-efficient investments and the risks attached, and the latest fund news from Neil Woodfood and Terry Smith Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss what forthcoming reforms to ISAs mean for investors, how the pensions industry may provide guidance promised to retirees, and the liability of independent financial advisers for bad investment advice Hosted on Acast. See acast.com/privacy for more information.

In this week’s show, Jonathan Eley and guests discuss why the Big Six energy companies aren’t cutting prices, why divorce is becoming more common - and expensive - and how Tesco’s new current account measures up. Hosted on Acast. See acast.com/privacy for more information.

Could proposed collective pension plans deliver more income? Jonathan Eley and guests also discuss how peer-to-peer lending may be incorporated in ISAs, and how to claim government money for improving your home's energy efficiency Hosted on Acast. See acast.com/privacy for more information.

In this week's show, Jonathan Eley and guests discuss the prospects of TSB, the impact of a Scottish independence vote for investors and business, and whether there is money to be made from fracking Hosted on Acast. See acast.com/privacy for more information.

Are new lending rules slowing mortgage lending? Jonathan Eley and guests also discuss emerging alternatives to annuities, and whether the rally in small company shares is coming to an end. Hosted on Acast. See acast.com/privacy for more information.

In this week's show, Jonathan Eley and guests discuss whether new flexible annuity products offer savers value, if investing in private equity is worth it, and the confusing array of charges that investors face Hosted on Acast. See acast.com/privacy for more information.

What will a reformed Barclays mean for shareholders and customers? Jonathan Eley and colleagues also discuss whether "build to rent" is taking hold in the UK property market, and the different ways of investing in commodities Hosted on Acast. See acast.com/privacy for more information.

Jo Cumbo explains why the government's pensions guidance guarantee is not quite what it seems. Also in the show, David Oakley talks about the prospects of Neil Woodford's new fund, and Jason Hollands of Bestinvest explains the performance of frontier markets Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley and guests discuss next week's launch of mobile payment service Paym, why getting a mortgage may become more expensive and time-consuming, and the attractions and risks of structured products Hosted on Acast. See acast.com/privacy for more information.

What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is your fund manager a closet index-hugger? Hosted on Acast. See acast.com/privacy for more information.

What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is your fund manager a closet index-hugger? Hosted on Acast. See acast.com/privacy for more information.

James Pickford and guests discuss the transparency of fees and charges for investment advice, whether a property bubble is emerging, and how to invest in overseas stock markets cost-effectively Hosted on Acast. See acast.com/privacy for more information.

Why has the regulator ordered a probe into the UK's £150bn credit card? Jonathan Eley and guests also discuss the performance of fund management's galacticos and the new rules governing peer-to-peer lenders and crowdfunding websites Hosted on Acast. See acast.com/privacy for more information.

This week's Budget was nothing short of revolutionary. Jonathan Eley and guests discuss the implications of the Chancellor's reforms for ISA savers, pension holders, and investors in tax avoidance schemes Hosted on Acast. See acast.com/privacy for more information.

How can pension contributions and student debt affect your mortgage offer? Also in this week's show, FT investment correspondent David Oakley talks about the man taking over at Invesco, and Elaine Moore discusses the impact of Lloyds' restructuring on retail investors Hosted on Acast. See acast.com/privacy for more information.

Why are cash Isa rates so low and yet so popular? This week's Isa special also takes a look at junior Isas, and Tom Stevenson of Fidelity talks about where to invest your allowance Hosted on Acast. See acast.com/privacy for more information.

When mortgage rates rise, how bad will it be? Jonathan Eley and guests also discuss whether the UK biotech sector is set for a boom, and whether with-profits policies are worth retaining Hosted on Acast. See acast.com/privacy for more information.

Is it really time to swap your pounds for bitcoins? Also in the show, what falling inflation means for investors and some good news for men who have recently retired. Hosted on Acast. See acast.com/privacy for more information.

How are the recent floods going to affect house insurance premiums? Jonathan Eley and guests also discuss problems with the annuity business, as well as the falling cost of investing in passive funds Hosted on Acast. See acast.com/privacy for more information.

As banks' total PPI bill nears £20bn, is there anyone else entitled to compensation? Chinese equities have rarely been cheaper but which obstacles remain to investors? And are solar panels really a viable investment for your retirement? Hosted on Acast. See acast.com/privacy for more information.

Are we seeing a re-run of the 1990s? Jonathan Eley discusses EM volatility with the FT's Jonathan Wheatley. Plus, how to choose the right investment platform and whether luxury goods can pay their way Hosted on Acast. See acast.com/privacy for more information.

Will the government limit the charges applied to workplace pension schemes – and if so, when? Real estate investment trusts should do what it says on the tin, and the pros and cons of equity release Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley talks to Andy Creak of rPlan about what the latest changes to platform pricing mean for investors, Jo Cumbo discusses why the pension system fails those with modest savings, and Elaine Moore asks if going bankrupt should be easier than it is now, or harder Hosted on Acast. See acast.com/privacy for more information.

What can investors expect from 2014? Why isn't the government's Help to Buy scheme available for all properties? And are expensive cars, watches and Chinese art a better bet than stock markets? Hosted on Acast. See acast.com/privacy for more information.

FT Money looks back at 2013 and ahead to 2014 with Paul Kavanagh from Killik & Co. Hosted on Acast. See acast.com/privacy for more information.

More scandalous behaviour at Britain's leading banks. Why southeast Asia could be worth looking at for adventurous investors. And why wealthy foreigners are still buying UK property to rent out. Hosted on Acast. See acast.com/privacy for more information.

Jonathan Eley talks to three experts about what the autumn statement means for you. Christine Ross of SG PB, Claire Evans of Deloitte and Paul Emery of PwC go through the measures Hosted on Acast. See acast.com/privacy for more information.

Price comparison websites are to be investigated by the City regulator. Four big investment ideas from some of the country's most eminent economists. And as Royal Mail issues its first results after flotation, we get the latest views on the shares. Hosted on Acast. See acast.com/privacy for more information.

95 per cent mortgages return, with or without a government guarantee. Shareholder perks - nice to have, but how valuable are they? And how to avoid so-called "boiler room" scams. Hosted on Acast. See acast.com/privacy for more information.

Pensioners are being pushed into the wrong annuities. New companies are flooding onto the stock market but should ordinary investors buy their shares? And calls grow for reform of stamp duty on property. Hosted on Acast. See acast.com/privacy for more information.

What went wrong at the Co-operative Bank, and is the restructuring announced this week a fair deal? India's stock market hits a new high - but are the underlying problems really fixed? And why it's becoming easier to become a buy-to-let landlord. Hosted on Acast. See acast.com/privacy for more information.

As London bids to become a centre for Islamic finance, are sharia financial products useful for ordinary savers and investors? The real mid-life crisis: why Britain’s middle-aged are the worst prepared for retirement. And why self-build has struggled to gain traction despite government encouragement Hosted on Acast. See acast.com/privacy for more information.

What to do if your lender says the house you want to buy is worth less than the offer you've put in. The furore over energy prices: are we being ripped off, or are politicians to blame for rising prices? And the inglorious fate of the Co-op - an ethical bank taken over by a couple of hedge funds Hosted on Acast. See acast.com/privacy for more information.

Earlier this week the fund industry was stunned to hear that Invesco Perpetual's Neil Woodford is to leave after a 25 year glittering career. Jonathan Eley talks to Mark Barnett, who is taking over Mr Woodford's high income funds. Hosted on Acast. See acast.com/privacy for more information.

If you're one of the tens of thousands of investors who hold funds managed by Neil Woodford, what should you do as he announces his departure? Ministers say no-one should have to sell their house to fund social care. But can we believe them? And the lessons to be learned from the Earl of Cardigan's unsavoury spat with his trustees Hosted on Acast. See acast.com/privacy for more information.

Royal Mail shares start trading this week after unprecedented public interest. Have the changes to the way financial products are sold made any difference to the customer experience? And why many ethical funds are not quite what they seem. Hosted on Acast. See acast.com/privacy for more information.

Saving schemes for employees - will the next phase be a success? Passive investment funds - are they still the cheapest option? And why aren't banks signing up to the government's Help to Buy plan? Hosted on Acast. See acast.com/privacy for more information.

Student housing - are traditional terraced properties still a good buy? Small caps - why are they outperforming larger companies. And changing your bank, have you been convinced yet? Hosted on Acast. See acast.com/privacy for more information.

The government starts to sell its stake in Lloyds - but will the public get a look in? As higher education costs rise we look at what the future might hold. And why manorial rights could be more than mere bragging rights. Hosted on Acast. See acast.com/privacy for more information.

Royal Mail privatisation - could the flotation mean good news for investors? The Bank of England and the markets have radically different views about when interest rates will rise. Who has got it right? And the financial regulator faces fresh calls to intervene in the £15bn-a-year annuity market. Hosted on Acast. See acast.com/privacy for more information.

Vodafone's blockbuster deal - what it means for individual shareholders. Why there is less choice these days in self-invested pensions. And the unusual asset classes that have trounced shares, bonds and property Hosted on Acast. See acast.com/privacy for more information.

First-time buyers are back - but is it good news or not. How advisers are using computer games to get you to engage with your investments. And property syndicates - should we be clubbing together? Hosted on Acast. See acast.com/privacy for more information.

Gold is in the headlines again - but is it an insurance against disaster or a volatile fringe asset? Gilts are up - does this mean recovery is on the way? And if banks are right that cash is on its way out - what is going to take its place? Hosted on Acast. See acast.com/privacy for more information.

Easier access to mortgages for the self-employed - but should we worry about reckless lending? How we can fix the looming pensions crisis? And the competition hots up in current accounts. Hosted on Acast. See acast.com/privacy for more information.

What the Bank of England’s forward guidance means for you, the options for investing in commercial property and the government’s consultation on reforms to childcare. Hosted on Acast. See acast.com/privacy for more information.

Celebrities are after your money to back their pet projects - should you trust them? Why the wealthy are growing less interested in avoiding tax. And how the new rules on paying for financial advice aren't quite working out as planned. Hosted on Acast. See acast.com/privacy for more information.

Funding for Lending one year on - what has the impact been for savers and borrowers? Peer-to-peer lending - higher risks, but also higher rewards. And how the odds of winning the premium bonds just got lighter. Hosted on Acast. See acast.com/privacy for more information.

Relief at last for annuity buyers as gilt yields inch higher. Are emerging markets worth the extra risk? And how to minimise the impact of inheritance tax? Hosted on Acast. See acast.com/privacy for more information.

The 0 per cent mortgage - what's the catch? The hidden costs of investing - how much is your portfolio costing you each year? And what to do if your workplace pension scheme is transferred to an insurance company? Hosted on Acast. See acast.com/privacy for more information.

Coming soon to your Isa - shares from Aim. Investing for the very long term - what will the world look like in 2050? And the debate about gold - should private investors own it at all? Hosted on Acast. See acast.com/privacy for more information.

We look at the changing face of buy-to-let lending. We also expose widespread confusion over the care fees cap - we look at what is and what is not included. And we look at the overseas companies on Britain's stock market in the week that two Russian-backed mining firms are removed form the FTSE 100 index Hosted on Acast. See acast.com/privacy for more information.

A tumultuous week for banks and bankers - but what does it mean for savers and borrowers? One of Britain's best-known fund managers admits defeat in China. And in an era of low rates and austerity, what exactly is the point of National Savings & Investments Hosted on Acast. See acast.com/privacy for more information.

More on how much and when you can contribute to your pension. House prices hit new highes - but how reliable are the indices that measure them? Plus a possible new way to finance long term care. Hosted on Acast. See acast.com/privacy for more information.

The FCA rules on promotion of alternative investments - what's in, and what's out. Jim O'Neill on the outlook for emerging markets and China. And how to invest in fine wine Hosted on Acast. See acast.com/privacy for more information.

Is your company short-changing you out of your pension? How our inbuilt biases get in the way of rational investment decisions. And how to write a proper will Hosted on Acast. See acast.com/privacy for more information.

Bank of Ireland backs down - but should you be fearful of tracker mortgages? European companies that are defying the continental recession. And calling all petrolheads: how you can make money from classic cars Hosted on Acast. See acast.com/privacy for more information.

Another mini-bond launches, but should you put your money in them? How to build your own house? And what's to become of the co-operative bank? Hosted on Acast. See acast.com/privacy for more information.

Bonds are awful, says Warren Buffett, but what is the alternative? How green investing has gone mainstream. And all the personal finance news from this week's Queen's Speech. Hosted on Acast. See acast.com/privacy for more information.

Why almost half the UK’s 2.6m interest-only borrowers risk being unable to repay mortgages, are structured products a sensible way to manage risk – or simply a distraction? And a cautionary tale of investing in foreign property via self invested personal pension funds. Hosted on Acast. See acast.com/privacy for more information.

Would you buy a pension through a supermarket? How to make your charitable donations work harder for. And how more government support for banks will affect the savings and mortgage markets. Hosted on Acast. See acast.com/privacy for more information.

Proper regulation at last for letting agents. The drastic sell-off in the gold price, and how to navigate the annuity conundrum. Hosted on Acast. See acast.com/privacy for more information.

Yields of 6 per cent on rental properties are tempting investors into the buy-to-let market. But is this the right time to invest? Chris Norris from the National Landlords Association joins FT Money to discuss this, banks stealing customer data and whether the Post Office can become a challenger to the big banks as it prepares to offer current accounts. Hosted on Acast. See acast.com/privacy for more information.

The latest from Cyprus and how it affects UK savers. What is to become of the UK's state-run banks. And the mounting warnings about bonds and bond funds. Hosted on Acast. See acast.com/privacy for more information.

John Whiting of the CIOT joins us for our FT Money special podcast on this year's Budget. We look at government help for homeowners, the new £10,000 personal allowance and how investing just got a bit cheaper and a bit easier. Hosted on Acast. See acast.com/privacy for more information.

We cover the debate over women and the state pension and we look at what is expected to be in the Budget. Finally, is computer-driven trading harming your investments? Hosted on Acast. See acast.com/privacy for more information.

Is it time to look afresh at bank shares? Day of reckoning for payday lenders, and do women make better investors than men? Hosted on Acast. See acast.com/privacy for more information.

This week FT Money looks at Individual Savings Accounts indepth - from cash Isas to stocks and shares Isas. We look at where you should put your money, and the more unusual products that are eligible for Isas Hosted on Acast. See acast.com/privacy for more information.

The stock market hits new highs - but can it last much longer? Stamp duty - it's one of the most unpopular taxes in Britain, but it's unwise to try to avoid it. And the taxman wages a new war on second home owners Hosted on Acast. See acast.com/privacy for more information.

The future of long-term care - and how to pay for it. How to invest in Africa. And the results of an FSA mystery shopping exercise into bank advice Hosted on Acast. See acast.com/privacy for more information.

Isas - why you'll have to search high and low for a decent rate on your savings. How you can back growing British businesses, and get great tax breaks too. And some good news and not so good news in pensions Hosted on Acast. See acast.com/privacy for more information.

Bond yields - what it means for investors. Simple tax planning - why everyone is going back to basics. And how you can invest in one of the best-performing asset classes of the past decade: art. Hosted on Acast. See acast.com/privacy for more information.

New rules for income drawdown, why we need to improve financial education, and how divorce can affect your mortgage. Hosted on Acast. See acast.com/privacy for more information.

What the changes to the state pension mean for you. Why not all equity income funds are created equal, and what will a visit to your bank branch entail in years to come? Hosted on Acast. See acast.com/privacy for more information.

We explain what the retail prices index is and why it's important. Then we discuss whether websites can replace financial advice. And end with whether banks are stalling on PPI mis-selling compensation. Hosted on Acast. See acast.com/privacy for more information.

How risky are the funds your IFA has sold you? We also look at ways to give to charity and save tax at the same time. And the overseas pensions traps you should avoid at all costs Hosted on Acast. See acast.com/privacy for more information.

FT Money talks to John Whiting, tax policy director at the Chartered Institute of Taxation about how the chancellor's Autumn statement will affect you. Hosted on Acast. See acast.com/privacy for more information.

Should charges be clearer for workplace pensions? RDR is coming - we ask the FSA what it will mean for financial advice. And horse racing - is there a way to profit that doesn't involve a better slip? Hosted on Acast. See acast.com/privacy for more information.

Pensions tax relief under threat, why the stock market can't fix our retirement problems. And how to get exposure to an asset that some think could rise fivefold. Hosted on Acast. See acast.com/privacy for more information.

Ellen Kelleher of FTfm looks at how investors can take a position on Obama vs Romney; Lucien Cook, director of residential research at Savills, tells us about the cost of trading up from a three- to a four-bedroom property in different parts of the UK; and with equity fund sales up, we examine whether this really means that investors are feeling confident. Hosted on Acast. See acast.com/privacy for more information.

What Barclays' takeover of ING Direct means for savers and borrowers, can ethical investing pay? And ways your employer can help you to save and invest Hosted on Acast. See acast.com/privacy for more information.

More tinkering with the state pension: where does it leave those approaching retirement?A major provider pulls out of the annuity market. And has the price of farmland finally peaked after a decade-long boom? Hosted on Acast. See acast.com/privacy for more information.

It is time for investors to switch out of bond funds, what to do if you have a cash lump sum and can Antony Jenkins put some zip back into Barclays shares? Hosted on Acast. See acast.com/privacy for more information.

Overdraft charges soar to £900 a year - how to avoid the fees. Where can you go to pick up a "safe" investment? And why you can't always have the investment trusts you want. Hosted on Acast. See acast.com/privacy for more information.

This week's Money Show focuses on whether you should fix with your energy supplier, the factors affecting our supermarket bills and the outlook for buy-to-let Hosted on Acast. See acast.com/privacy for more information.

We examine why some wealthy borrowers are being turned away by some banks. Also, is the tide turning on gold - should you sell up now? And which investments should you hold in your Sipp? Hosted on Acast. See acast.com/privacy for more information.

We look at new historic low mortgages for low-risk borrowers. Also, Alice Ross, the FT currencies correspondent talks to the Money team about investing in currency funds. And finally, payment protection insurance - will the cold calls never end? Hosted on Acast. See acast.com/privacy for more information.

New cuts to mortgage rates - how low can they get? Investing for the long term - why investment trusts should be in your portfolio. And the Olympics - can you make money as an investor Hosted on Acast. See acast.com/privacy for more information.

Co-op buys 632 branches from Lloyds - what will this mean for customers? Why are rogue letting agents allowed to exploit landlords, and how fees are cutting pension values in half. Hosted on Acast. See acast.com/privacy for more information.

Can any of the new banks really hope to challenge the big five providers? How will the 'pay when you die' care proposals really work, and why investors are focusing on yields rather than capital growth. Hosted on Acast. See acast.com/privacy for more information.

We look at how savers will be affected by the new round of quantitative easing and whether new rules will mean fund managers and platforms come clean on costs. Finally, why you'll only find the lowest loan rates at building societies. Hosted on Acast. See acast.com/privacy for more information.

Why the RBS computer glitch calls new payment technology into question; how personal pensions can pay just 0.2 per cent on cash, and why some lenders are trying to make the mortgage process easier. Hosted on Acast. See acast.com/privacy for more information.

We reveal a big increase in pension fraud as well as a new index linked bond launch from Severn Trent. And why borrowers need their mortgage lender's consent to let out their properties. Hosted on Acast. See acast.com/privacy for more information.

The FSA publishes its final guidance on the definitions of independent and restricted advice - what does it mean for investors? We look at the fixed-rates savings accounts that are expiring now. And does your bank consider you a "loyal" customer? Hosted on Acast. See acast.com/privacy for more information.

Expert commentators discuss emerging and developed markets from the private investors' point of view. Tim Bond, investment strategist at Odey Asset management, James Dowey, chief economist at Neptune and Jerome Booth, research manager at Ashmore Investment Management talk to the FT's Elaine Moore. Hosted on Acast. See acast.com/privacy for more information.

The euro crisis hits Cyprus - but at least UK savers have some protection. Experts ask if emerging market are a safe haven, and we ask the pension minister about state benefits and income drawdown Hosted on Acast. See acast.com/privacy for more information.

Will your pension be reduced and what can you do about it? How safe are your savings - if they're only protected by the European safety scheme? And will your mortgage rise - even if the UK interest rates are cut? Hosted on Acast. See acast.com/privacy for more information.

Should investors move to safe havens or sit tight and try to ride out the storm? We ask Tom Stevenson of Fidelity Worldwide Investments. HSBC backtracks on its home loan process and how will pensions income be hit for the gender rules? Hosted on Acast. See acast.com/privacy for more information.

The FSA crack down on “death bonds”, why absolute return funds don’t always do what they say on the tin, and why are two-year fixed mortgages the most commonly offered product, when they often don’t represent the best value to borrowers? Hosted on Acast. See acast.com/privacy for more information.

A Parliamentary committee calls for Government action to address QE’s adverse impact on pensioners; how private investors can speculate on that ultimate commodity, water; and a look at peer-to-peer lending website with Giles Andrews, CEO of Zopa.com. Hosted on Acast. See acast.com/privacy for more information.

Could the chancellor's 'surprise' at the use of tax reliefs mean we all have to pay more? And when is the best time to get your tax affairs in order - April 5 or 6? Finally, we look at how big your deposit has to be to get a low mortgage rate Hosted on Acast. See acast.com/privacy for more information.

We look at the best of the last minute cash Isa savings rates. There's some good news for baby boomers upset over the 'granny tax', and why some HSBC borrowers have taken to despairing over their mortgage lender's solicitors. Hosted on Acast. See acast.com/privacy for more information.

We explain what it all means for you in this special budget edition with John Whiting, tax policy director of the Chartered Institute of Taxation. From 'granny tax' to stamp duty - we look at the measures in depth. Hosted on Acast. See acast.com/privacy for more information.

In this week's show we look at why it still take 15 days to transfer a cash Isa. Also, will the government's new 100-year gilts be any use to income investors, and should you buy a 6-year FTSE linked investment? Hosted on Acast. See acast.com/privacy for more information.

We look at why Halifax and Bank of Ireland borrowers should get off the lender's SVR. How to decide on which Isa to go for, and why you need to know about annuity options even if you're not near retirement age Hosted on Acast. See acast.com/privacy for more information.

We look at whether you should ever transfer out of an employee pension scheme. Also, who is offering mobile phone payment services, and where should you invest for growth? Hosted on Acast. See acast.com/privacy for more information.

Will it become easier to share in your employer's profits under new government proposals? We also look at the most profitable buy to let properties and a new care fees solution Hosted on Acast. See acast.com/privacy for more information.

Financial companies have been fined £63m this year but do these fines work? Anthony Bolton on why China is fair value. And we look at why lenders are launching mroe buy-to-let loans Hosted on Acast. See acast.com/privacy for more information.

This week we look at whether the government's new scheme will get the housing market moving. Why advisers are slow to recommend low-cost tracker funds. And the FSA digs deeper into bridging loans. Hosted on Acast. See acast.com/privacy for more information.

We look at how QE is hitting pensioner's income, whether investments are becoming too costly, and whether Virgin buying Northern Rock could make banking more competitive Hosted on Acast. See acast.com/privacy for more information.

This week, we look at banks that are paying virtually no interest and making it almost impossible to keep track of their best savings deals. Should you buy shares in banks exposed to European sovereign debt? Also, what to do if your bank suddenly hikes its rate on your standard variable rate mortgage? Hosted on Acast. See acast.com/privacy for more information.

We look at why pension providers penalise you for changing jobs. Also, how index tracker funds distort share prices. And, is the sun setting on solar energy? We explain how subsidy cuts hit homeowners and investors Hosted on Acast. See acast.com/privacy for more information.

Keeping ahead of inflation - how much risk are you taking? We look at which Jisa you should take out for your child. And where £1m plus borrowers can go for a mortgage. Hosted on Acast. See acast.com/privacy for more information.

How to inflation-proof your pension and inflation-beating savings accounts. Dividends are on the rise this year, but where can you find the highest yielders? And we look at tips to cut your energy costs. Hosted on Acast. See acast.com/privacy for more information.

Energy prices are still on the rise – but are you being given the right advice about the best deals? Why government reforms mean some face huge cuts to their pension income, and can an iPhone app help smooth tenant and landlord relations? Hosted on Acast. See acast.com/privacy for more information.

Mortgage rates set to fall further - how low can they go? Advisers say absolute return funds aren't right for their clients, so who are they suitable for? And Islamic banks are paying out 4% returns. Hosted on Acast. See acast.com/privacy for more information.

We ask what this week's price swings say about gold's safe haven status. Are pension savers geting a fair deal? We assess new moves to improve your income choices. And is a 'Best buy' savings account really the best? Hosted on Acast. See acast.com/privacy for more information.

How high are the charges on your pension. We name the plans that have lost 39 per cent. And, we look at whether exchange traded funds are only for rogues. Finally, why gold savings accounts are not what they seem. Hosted on Acast. See acast.com/privacy for more information.

We look at how to get higher income from shares and whether dividend yields of 7 or 8 per cent are sustainable. How your bank will respond to the Vickers report and more news on the state pension age Hosted on Acast. See acast.com/privacy for more information.

How to protect your savings now that National Savings Certificates have sold out. When should you retire now annuity rates are at a record low? And where can you get a 100 per cent mortgage now? Hosted on Acast. See acast.com/privacy for more information.

Banks pay out £215m in compensation for missold PPI policies. Why billions are still invested in so-called dog funds. And mortgage rates - how you could save money paying the redemption charge and switching lender Hosted on Acast. See acast.com/privacy for more information.

We reveal who is buying shares at the moment and what they're buying. What can you buy for your pension? We look for investments to protect your pension income. And should you buy into student property? Hosted on Acast. See acast.com/privacy for more information.

What would continuing low interest rates mean for mortgages and savings? Why a rise in stock markets in the next five years would make structured products look attractive now. And what a cut in the interest rates on SAYE plans will mean for you Hosted on Acast. See acast.com/privacy for more information.

What property and business owners need to know about their insurance claims. Market turmoil and your investments, and which shares can bounce back after a week of disorder Hosted on Acast. See acast.com/privacy for more information.

As the debt crisis deepens, we seek safe havens for your cash.Go East, not West - why investors now want assets in strong Asian currencies. And is it time to leave your bank? We ask whether service is as important as an interest rate.Presented by Matthew Vincent. Produced by Rob Minto Hosted on Acast. See acast.com/privacy for more information.

In this week’s show: The cheapest five-year mortgage in history has just been launched; should you get out of your fixed income? Find out what a Greek or US default would mean for your bond fund; and, investors fixated with gold – why you shouldn’t think of silver as a poor second. Hosted on Acast. See acast.com/privacy for more information.

Also, savers are still being transfered into high-charging pensions - we ask chair of Consumer Focus, Christine Farnish, when will mis-selling ever end?And, would anyone buy a risky bond fund right now - even if it claims to be strategic?Presented by Matthew Vincent with Tanya Powley, Jo Cumbo and Alice Ross. Hosted on Acast. See acast.com/privacy for more information.

This week there was more bad news for people approaching retirement as new data showed a further decline in annuity rates - so what can you do about it?Murdoch drops his Sky bid and plans to buy back shares - but would you invest in media now? And, homeowners opt to improve rather than move - but would you splash out on an outdoor swimming pool? Hosted on Acast. See acast.com/privacy for more information.

Banks are pulling their best savings deals - so where should you put your money now? Investment trusts are producing better returns than unit trusts. And offset mortgages are proving more efficient for higher-rate taxpayers Hosted on Acast. See acast.com/privacy for more information.

The OFT has ordered airlines, such as Ryanair, to stop hiding card surcharges. We look at why investors are not reclaiming tax on foreign share dividends, and how UK banks would be affected by a Greek debt default. Hosted on Acast. See acast.com/privacy for more information.

Your money is in their hands - do you trust your wealth manager? Their best ever mortgage deals - but only if you are a loyal customer. And why you only have to choose a pension for a few years at a time Hosted on Acast. See acast.com/privacy for more information.

When is a guarantee not a guarantee - we read the latest warnings on structured products. The cost of care - we add up the fees for residential and nursing homes. And how your customer profile affects the cost of borrowing. Hosted on Acast. See acast.com/privacy for more information.

We look at the latest threats in the property market. Do you buy high and sell low? We ask whether behavioural finance can help you make investment decisions. How can you protect yourself in retirement? Hosted on Acast. See acast.com/privacy for more information.

A pension offer you can refuse; why two-year fixed mortgages are a waste of time; and an end to cash - will phones be all you need in your pocket?Presented by Matthew Vincent, with guest Ray Boulger of John Charcol. Hosted on Acast. See acast.com/privacy for more information.

Banks face more complaints about selling insurance - is this the next PPI? Brits could be taxed on their French properties and can anyone face reading the small print before investing? Hosted on Acast. See acast.com/privacy for more information.

The pitfalls of pension flexibility - why it's not a good idea to transfer a company scheme into flexible drawdown; The big PPI payday - how to get compensation; and how expensive are "switch-to-fix" mortgage deals? Presented by Matthew Vincent, with guest James Daley, editor of Which? Money. Hosted on Acast. See acast.com/privacy for more information.

What action should victims of hackers take? Where are investors moving their cash in the search for income? And is it time to buy in the Spanish property market? Hosted on Acast. See acast.com/privacy for more information.

Is the Royalties account, or any other fee-based banking service, a bit too rich for middle-class tastes? What would US fund investors make of British fund charges? And why now is the time to move out to the country Hosted on Acast. See acast.com/privacy for more information.

Billions of insurance refunds - why you could claim back your payment premiums. 24 per cent annual returns - why farmland is now a fast-growing investment. And cautious funds that offer high yields Hosted on Acast. See acast.com/privacy for more information.

Under-capitalised and uncompetitive - but will your bank be any better if the latest reform proposals are implemented? Unloved and undervalued - but which bargain shares are Uk fund managers snapping up? And are Exchange traded-tracker funds as risky as regulators make out? Hosted on Acast. See acast.com/privacy for more information.

We look at whether banks' special rates for loyal customers are good value or not. When will value investing start paying off? And how many fund managers have you heard of? Hosted on Acast. See acast.com/privacy for more information.

Are pension providers ready for new rules? Performance fees on investment funds are on the rise - but should you pay them? And, buying a house could get easier - after pre-contracts are introduced Hosted on Acast. See acast.com/privacy for more information.

Will you get the benefit of higher personal tax allowances? Will an inheritance tax break make you more charitable? And has investing in smaller companies become more attractive? Hosted on Acast. See acast.com/privacy for more information.

How your finances are affected by the events in Japan. Looking ahead to next week's Budget, and choosing this year's cash Isa Hosted on Acast. See acast.com/privacy for more information.

Fund managers are cutting charges ahead of a ban on commission, but are IFAs behaving? John Lewis is paying high interest but should you take out their retail bond? And UK mortgage rates are still edging up. Hosted on Acast. See acast.com/privacy for more information.

What will it do to your pension? We have good news for women but bad for men. Why do some index tracker funds go off the beaten track? And where can you talk to a bank manager these days? Hosted on Acast. See acast.com/privacy for more information.

Looking for a cheap remortgage? Why it pays to go off the beaten track. Saving for university fees? Why you need to take on a degree of risk. And planning a new life overseas? Where you need to buy a house. Hosted on Acast. See acast.com/privacy for more information.

Rising inflation - what can you do about it? We look at high street and offbeat investment products. Popular Isas - where are they now? We track the performance of old technology and property funds. And how much can first-time buyers borrow? Hosted on Acast. See acast.com/privacy for more information.

Lenders return to the buy-to-let property market. How has your with-profits pension performed? We look at the latest figures. And, what investment strategy should you be using to pick stocks? Hosted on Acast. See acast.com/privacy for more information.

Another 'Cautious fund' is launching, despite recent warnings from the FSA. There is a new set of rules from Europe - and this time it could cut your pension. And we explain how to avoid the 40 per cent rate. Hosted on Acast. See acast.com/privacy for more information.

Could you be banned from buying risky investments? Should you protect your portfolio from inflation or stagflation? And would you lend money to people you don't know? Hosted on Acast. See acast.com/privacy for more information.

Mortgage rates start to rise but where can you get the best deal on your savings? Barclays is fined for selling "cautious" funds - so which funds can you trust? And are developed markets now a more exciting place to be? Hosted on Acast. See acast.com/privacy for more information.

Fears of a rate rise are growing, so is it time to fix your mortgage? Watch out for emerging risks in Emerging Markets. And where is the best place to put your savings. Hosted on Acast. See acast.com/privacy for more information.

Why some people are selling their second homes in the sun. A New Year means new pension rules - we explain what you can do now, and after April. And with 17 months to repay at zero per cent interest, are credit cards becoming more attractive? Hosted on Acast. See acast.com/privacy for more information.

Inflation is on the rise - so how can investors protect themselves? Tax-efficient schemes for investors could be under threat by the Revenue - so should you buy them now? And what a stronger pound could mean for your holidays Hosted on Acast. See acast.com/privacy for more information.

Investors are being offered more control over their pensions - so what are the top tips from experts? The government has announced yet another crackdown on inheritance tax - but should you really be worried? And, we look at the latest housing trends Hosted on Acast. See acast.com/privacy for more information.

Investors will no longer be banned from transferring out of their final salary schemes. Borrowers are turning to bridging loans but what are the best deals? And where in the world is the best place to retire? Hosted on Acast. See acast.com/privacy for more information.

As the Eurozone debt crisis continues, which are the safest banks for your money? Could your pension contributions result in a nasty tax bills? We explain how you could be affected. And how to beat the VAT rise and grab yourself a post-Christmas bargain? Hosted on Acast. See acast.com/privacy for more information.

How would an Irish bail out affect private investors in the UK? Can private investors ever get market timing right? And interest only mortgages - where can you still get an affordable loan? Hosted on Acast. See acast.com/privacy for more information.

How can investors inflation proof their assets? Millions of savers are coming off fixed-rate deals this year - but are there any good new products out there? And, if you're looking for a ski chalet, we discuss the best places to buy Hosted on Acast. See acast.com/privacy for more information.

Santander is continuing its dominance of the UK high street - are savers benefiting? We offer tips to tenants and landlords. And, how to make your home more energy efficient, before the government cuts incentives Hosted on Acast. See acast.com/privacy for more information.

The government is introducing Junior Isas but savers are finding it hard to get a good deal in the current market. Where are the property buyers coming from? And is silver the new gold? Hosted on Acast. See acast.com/privacy for more information.

This week's government spending review could hit your pocket hard. Some good news for homeowners looking to remortgage. And, if you want to save more than £50,000 a year for retirement we look at the best pension alternatives. Hosted on Acast. See acast.com/privacy for more information.

The government announced a big reduction in the amount that people can save into their pension and still get tax relief. Investors are being urged to put money market funds in their Sipps and Isas. And if you are bitten by the gold bug, how should you invest? Hosted on Acast. See acast.com/privacy for more information.

This week the Money Show looks at strategies to avoid the child benefit cuts, and other investment vehicles for children’s funds, whether bond investors should seek safer havens and whether new mortgage lending rules will hit the wealthy Hosted on Acast. See acast.com/privacy for more information.

How to get a decent rate on your cash Isa, the latest on house prices and are the newest financial mobile applications any good? Hosted on Acast. See acast.com/privacy for more information.

Is it worth transferring your personal pension? We look at the exit charges that can make all the difference. Plus - high-earners' tax bills, and how to get a buy-to-let mortgage. Hosted on Acast. See acast.com/privacy for more information.

Why are high street banks so keen to talk about investment bonds? Can property buyers think about new-build again? Plus the IC at 150. Hosted on Acast. See acast.com/privacy for more information.

The latest news on the tax bill debacle, whether investing in corporate bonds funds is still a good idea, and where are the best places overseas to draw your pensions? Hosted on Acast. See acast.com/privacy for more information.

Which high street banks get the most customer complaints? Bad funds are merged into good ones, so how can we tell how they are performing? And why it pays to be in a detached house. Hosted on Acast. See acast.com/privacy for more information.

Interest rates could rise sharply if inflation gets out of control - so how can savers find the best deals? Not all absolute return funds are making absolute returns - we look at why. And could being too near to a shop or a pub prevent you getting a mortgage? Hosted on Acast. See acast.com/privacy for more information.

Cheap tracker mortgages - why there's no need to get them while stocks last. Inflation proofed savings are here again. And cautious managed funds - why it turns out that data providers can't get their facts right Hosted on Acast. See acast.com/privacy for more information.

How can house sales be increasing when mortgage approvals and house prices are falling? When is a cautious managed fund not a cautious managed fund? And what should parents of students be doing: renting or buying universtity digs? Hosted on Acast. See acast.com/privacy for more information.

Do banks shareholders have much to shout about? Banks have also been cutting their mortgage rates, but will applicants for interest only loans get a look in? And even when you're on your holiday, can you bank determine how good a time you have? Hosted on Acast. See acast.com/privacy for more information.

We examine new proposals for lower pension contributions and a longer working life. Will you learn to love your bank? Metro Bank reckons you will. And will your holiday-home become less tax efficient? Hosted on Acast. See acast.com/privacy for more information.

Where to put your money now index linked certificates have disappeared. What should you do with your pension fund, while the government consults on new annuity rules? And where will you find an investment property offering a rental yield of more than 6 per cent? Hosted on Acast. See acast.com/privacy for more information.

Will you get a large loan if you have to prove you can afford it? Will you see your pension get smaller, if its index linked to the CPI rather than the RPI. And will you get a windfall, if private equity investors do a deal with your building society? Hosted on Acast. See acast.com/privacy for more information.

Why private banks lost investors more than 60 per cent last year. Why some "low-cost" funds can land you with a much higher tax bill. And why should you pay fees to spend your own money on holiday? Hosted on Acast. See acast.com/privacy for more information.

Investors are piling back into buy-to-let - but are there good deals out there? With-profits providers have been slammed for treating customers poorly - but what can you do about it? And, we look at the best savings deals Hosted on Acast. See acast.com/privacy for more information.

Income tax allowances have gone up, but tax bands have come down -so are we paying more or less? And pension tax relief will get simper - but will it be any better for higher earners? Hosted on Acast. See acast.com/privacy for more information.

Capital gains tax has gone up - but not as much as expected. Income tax has effectively come down - but not for as many as expected. And pension red tape is being cut down - but not just yet Hosted on Acast. See acast.com/privacy for more information.

It may be all over for the FSA, but what does it mean for consumers? BP investors are set to lose their dividends, so where else can they go for income? And are offshore pension plans a suitable option? Hosted on Acast. See acast.com/privacy for more information.

We assess the oil spill's effect on BPs share price and dividend. Who needs a financial adviser? We find even more investors going it alone. And who's moving into new-build property? Hosted on Acast. See acast.com/privacy for more information.

Is pension tax relief for the chop in the emergency budget? If so what should you do now? Are there any safe haven investments any more? And what's the point of an independent financial adviser? Hosted on Acast. See acast.com/privacy for more information.

The final episode of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune Hosted on Acast. See acast.com/privacy for more information.

Can two new mortgage providers revive the buy to let market? Child trust funds are no more. But what are the alternatives? And capital gains tax is going up. Hosted on Acast. See acast.com/privacy for more information.

David Giampaolo, chief executive of Pi Capital, an investor network group for wealthy people, talks to Lucy Warwick-Ching about why it could be risky to put CGT up Hosted on Acast. See acast.com/privacy for more information.

The third of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune Hosted on Acast. See acast.com/privacy for more information.

Inflation is ticking up so what can savers do? How would a reduction in tax relief affect your retirement? Why we're all still waiting for the government's pension policy. And where can you find an asset that has risen more than 20 per cent this year? Hosted on Acast. See acast.com/privacy for more information.

The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune Hosted on Acast. See acast.com/privacy for more information.

Capital gains tax is going up in an emergency Budget - so how long have you got? What do the new tax policies mean for house prices? And what will happen to tax relief on pension contributions? Hosted on Acast. See acast.com/privacy for more information.

A hung parliament sends sterling and the stockmarket falling - but how will it affect your finances long term? Could the Greek debt crisis spread to the UK? And to become a truly global investor Hosted on Acast. See acast.com/privacy for more information.

The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune discuss the growth potential of these markets Hosted on Acast. See acast.com/privacy for more information.

Banks are under fire for not dealing with customer complaints properly - but is there anything you can do about it? Property recovery funds have failed to get investors excited - so how should you invest in the property market? And we take a look at the three main political parties views on tax. Hosted on Acast. See acast.com/privacy for more information.

Airlines return to the skies - but they're flying in the face of the law when it comes to compensating passengers. Which pension policies will get your election vote? And is the feeling mutual? We ask whether savers with mutual societies should protest about executive pay. Hosted on Acast. See acast.com/privacy for more information.

The election manifestos are hot off the press - but will they leave you hot under the collar about taxes on property? The Tories plan an early sale of government stakes in the banks. And as the euro exchange rate bounces around like a beach ball, what can holidaymakers and investors do to get a better deal? Hosted on Acast. See acast.com/privacy for more information.

New Isa deals are already out - and 50 per cent taxpayers are being urged to take one out now. Dividends are back - so where to find the best income stocks? And how to invest in the most tax efficient way Hosted on Acast. See acast.com/privacy for more information.

Are complaints about ISA transfers justified? Has much further can gold fever go? And is there any way to avoid the 5 per cent stamp duty? Hosted on Acast. See acast.com/privacy for more information.

It's a stamp duty holiday - but who qualifies? Plus, ISAs and tax planning Hosted on Acast. See acast.com/privacy for more information.

Is there still time to avoid possible Budget tax rises? Can you claim more tax back? And is the sun rising on Japan? Hosted on Acast. See acast.com/privacy for more information.

State-funded banks are offering less competitive mortgage rates - so can you get a better deal at a building society? Buying privatised companies has proven a better bet than the FTSE since the 1980s - so what deals should you consider now? And where's the best place to put your EIS money? Hosted on Acast. See acast.com/privacy for more information.

The base rate has been at 0.5 per cent for a year now - so is there any point locking up your cash? The dollar strengthens against the pound, and the euro weakens - but what does it mean for your investments? And if you want to borrow a few million, what will the bank accept as security? Hosted on Acast. See acast.com/privacy for more information.

David Stevenson, the FT's Adventurous Investor, talks to David O’Hara of Blackthorn Focus about Aim-quoted companies and the way they treat their shareholders Hosted on Acast. See acast.com/privacy for more information.

Northern Rock lifts its 100 per cent guarantee for savers - so where is the best place to get a cash Isa now? And employers are stopping payments to employee pension schemes Hosted on Acast. See acast.com/privacy for more information.

Wealthy taxpayers are under greater scrutiny by the Revenue - so how can they protect themselves? Investing in farmland is looking like a good move for tax planning purposes - but how can you buy it? And should you be actively managing your cash investments? Our research shows that cash has done better than other studies suggest. Hosted on Acast. See acast.com/privacy for more information.

David Stevenson, the FT's Adventurous Investor, talks to Tim Bond and Michael Dicks about investing in demographics and timing your asset switches Hosted on Acast. See acast.com/privacy for more information.

Will it matter to investors that Anthony Bolton's new China fund is an investment trust? Private investors' lost more than a billion pounds worth of dividends last year - so where can you turn for a reliable income? And why are mortgage lenders treating reluctant landlords differently from professional landlords? Hosted on Acast. See acast.com/privacy for more information.

Will you still have to buy a pension annuity after the election? Shouldn't higher earners seeking tax relief turn to VCTs? And are cash Isas worth getting, if you only save tax on 0.1 per cent interest? Hosted on Acast. See acast.com/privacy for more information.

What's the future for your high-street building society? What's the point of with-profits funds as another provider freezes its bonus rates? And we look at the hot spots for property Hosted on Acast. See acast.com/privacy for more information.

Inflation is back - how will it affect your investments? What's the best way to profit from emerging markets? And 50 per cent tax is coming. What can high earners do to reduce the impact? Hosted on Acast. See acast.com/privacy for more information.

Retiring later - how changes to the retirement age will affect your pension planning. Buy to let boost - can higher rents make property a good investment again? And tax deadlines loom Hosted on Acast. See acast.com/privacy for more information.

It's the January sales! But should you be rushing down to your bank for a bargain? Corporate bonds, gilts or neither? Have bonds fallen out of favour? And we look at the new entrants to the savings market. Hosted on Acast. See acast.com/privacy for more information.

Equties or bonds? Gold or gilts? Lucy Warwick-Ching speaks to Kevin Gardiner, head of investment strategy Europe at Barclays Wealth about where to put your money Hosted on Acast. See acast.com/privacy for more information.

Some good cheer on pensions - why you might be able to retire earlier than you thought. Why private investors think it's time to take profit, and how much has your house price gone up by? Hosted on Acast. See acast.com/privacy for more information.

National insurance goes up again but not just for the rich. Bankers' bonuses are taxed but all high earners lose more pension tax relief and how green was the budget? Hosted on Acast. See acast.com/privacy for more information.

Mortgage lenders are reducing their fixed-rate products - but should you stick with trackers? More investors want to put their money in property, but where should they invest? And we look at last minute ideas to invest more tax efficiently Hosted on Acast. See acast.com/privacy for more information.

We explain the rights and wrongs of the rights issue. Bank customers compensation claims are crushed by the Supreme Court - but who are the real winners and losers? And would you trust a currency trader to reduce the size of your mortgage? Hosted on Acast. See acast.com/privacy for more information.

Inflation is making a come back - but should savers really care? Signs of life in the buy to let market but should you be cautious? And do financial advisers owe you a rebate of trail commission? Hosted on Acast. See acast.com/privacy for more information.

House prices rise again - so is now the time to invest in residential property? Pension deficits are getting worse - what can you do to protect your retirement income? And can you still rely on share dividends? Hosted on Acast. See acast.com/privacy for more information.

David Stevenson interviews Dylan Grice, strategist at Société Générale, on stockmarket bubbles, China and geo-politics Hosted on Acast. See acast.com/privacy for more information.

What will happen to Lloyds and RBS customers? Lloyds shareholders are asked to invest another £13bn - but should you pay up? And who's the most trustworthy source of advice on IHT? Hosted on Acast. See acast.com/privacy for more information.

Are you due compensation on structured products? The government gets tough on credit card companies, but will it save you money? Plus who is behind the new best-buy savings bond? Hosted on Acast. See acast.com/privacy for more information.

Can you afford your next mortgage? From next year, you'll have to prove it. Is is time to take profits on your share deals? And how much warning must your bank give of cuts to your savings rate? Hosted on Acast. See acast.com/privacy for more information.

David Giampaolo, chief executive of Pi Capital, an investor network group for wealthy people, talks to Lucy Warwick-Ching about how the super rich have fared over the past year. Hosted on Acast. See acast.com/privacy for more information.

Lehman Brothers' collapse claims another victim one year on. What should savers fear more: inflation or deflation? And we look into the future of private banking and financial advice Hosted on Acast. See acast.com/privacy for more information.

Pension savers will have to wait another year to recieve income in retirement if the conservatives win. Are you investing in the right pension fund? And is cheap share-dealing a false ecomomy? Hosted on Acast. See acast.com/privacy for more information.

The pound falls further against the euro - but is this good news for investors? Isa savings limits are rising and as the stock-market rally continues is it worth holding onto a with-profits endowment? Hosted on Acast. See acast.com/privacy for more information.

Signs of life in the housing market - but is the buying activity anywhere near you? Get more into your pension - why it pays to contribute more. And the return of the 5 per cent savings account Hosted on Acast. See acast.com/privacy for more information.

A new opportunity for the over 50s to pump more money into tax-free savings, how to make money from the stockmarket rallys and good news for those in debt as one fo the biggest banks finally cuts the penalty fees it charges customers Hosted on Acast. See acast.com/privacy for more information.

Good news for borrowers as HSBC launches a mortgage with a rate of just 1.99 per cent but are other lenders likely to follow? The taxman closes in on wealthy savers. And the stockmarket has come off its recent high. Hosted on Acast. See acast.com/privacy for more information.

Trapped in an overseas holiday home - why Brits who bought in Europe and Dubai face massive losses. Catch them while you can - fixed rate bonds paying up to 5 per cent are disappearing fast. And endowment mortgages are back, as lenders crack down on interest-only deals Hosted on Acast. See acast.com/privacy for more information.

Mike Morrison, head of pension development at Axa Winterthur Wealth Management talks to Lucy Warwick-Ching about some of the more confusing pension terms Hosted on Acast. See acast.com/privacy for more information.

More building societies look set to merge - so what does this mean for your savings? If you thought you'd have to wait until 68 to retire, think again. And bonuses are back - but what about mortgages based on bonus income? Hosted on Acast. See acast.com/privacy for more information.

The base rate is held again - but is it becoming easier to get a decent return on cash savings? Is it time to buy bank shares? And is China now the place to go for a property investment. Hosted on Acast. See acast.com/privacy for more information.

The Revenue announces a tax amnesty for offshore investors, new research shows up the pensions industry and can you trust a financial adviser to recommend a savings account? Hosted on Acast. See acast.com/privacy for more information.

David Stevenson, the FT's Adventurous Investor, asks professors Paul Marsh and Elroy Dimson about the risk/reward trade off for shareholders and Rob Arnott explains why "buy and hold" doesn't work if the price is wrong. Hosted on Acast. See acast.com/privacy for more information.

Can auctioning your cash to the highest bidder earn you a better deal? Is it worth paying more for a coastal property? Plus - could you get a better mortgage deal from China? Hosted on Acast. See acast.com/privacy for more information.

Some Sipp providers supplement their fees by taking a slice of the interest paid to customers on their cash holdings. Lucy Warwick-Ching talks to Martin Tilley at Dentons Pension Management about why this is an issue for consumers. Hosted on Acast. See acast.com/privacy for more information.

David Stevenson, the FT's Adventurous Investor, asks City analysts James Montier, Albert Edwards and Tim Bond about the best strategies for long-term shareholders Hosted on Acast. See acast.com/privacy for more information.

Are government bonds a safe home for your money? When can it make sense not to pay off your mortgage? And how some companies are cutting pension contributions to employees. Hosted on Acast. See acast.com/privacy for more information.

What will the new banking regulations mean for you? How has the financial crisis affected philanthropy? Property hotspots - where is the housing market heating up? Hosted on Acast. See acast.com/privacy for more information.

Lucy Warwick-Ching talks to Martin Palmer at Friends Provident about the cost of funding increased longevity Hosted on Acast. See acast.com/privacy for more information.

The Bank of England base rate remains at 0.5 per cent, so why has the average rate on a five-year fixed rate home loan hit 6 per cent; with signs that the American downturn may be coming to an end, can US equities expect a smooth ride; and with rental yields falling, is buy-to-let really worth it? Hosted on Acast. See acast.com/privacy for more information.

Will the new rules for financial advisers mean a better deal for clients; should investors join fund managers in the return to commercial property; and what opportunities can savvy buyers find in beleaguered funds of hedge funds? Hosted on Acast. See acast.com/privacy for more information.

Pension funds are recovering, but will it make a difference to you retirement? Is there a safe way to get back into equities? And good news / bad news on the property market. Hosted on Acast. See acast.com/privacy for more information.

David Stevenson talks to US investment commentator John Mauldin about strategies for the long term Hosted on Acast. See acast.com/privacy for more information.

Adrian Webb of eSure tells Lucy Warwick-Ching of ways to avoid being the victim of motor insurance fraud Hosted on Acast. See acast.com/privacy for more information.

Will you receive enough from your state pension, company scheme or personal savings to cover your retirement; and how much longer will you have to work if your pension fund has shrunk? Find out more about the pensions timebomb in this special edition of the FT Money Show and see the multimedia feature, www.ft.com/pensionscrisis Hosted on Acast. See acast.com/privacy for more information.

Nearly two-thirds of people will need to work beyond their planned retirement, so what does that mean for your pension planning? Can corporate bonds grow your capital? And the 95 per cent mortgage is back, backed by bank of mum and dad. Hosted on Acast. See acast.com/privacy for more information.