This Is Money Show

  • Autor: Vários
  • Narrador: Vários
  • Editor: Podcast
  • Duración: 398:07:17
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Sinopsis

The This is Money show is an entertaining and informative weekly look at the big money stories and investigations from the UK's best and most trusted source of independent financial news, information and advice.

Episodios

  • Is there a way to boost YOUR state pension and how easy is it to now retire abroad?

    29/08/2021 Duración: 48min

    When it comes to state pensions, there has been plenty of talk in recent weeks about the triple lock and what could mean next month when it comes to an uplift. However, more than 2million receive less than £100 a week in state pension payments – is there a way to boost it? Tanya Jefferies, Lee Boyce and Georgie Frost discuss and reveal the common reasons why you might not receive the full state pension. Sticking with the pension theme, we talk through a case of an ex-Judge who faced a hefty 'advice' fee when he made a decision on a drawdown pot. Spain is still the top choice for those planning to retire overseas – but has the pandemic and Brexit put more people off a life in the sun? Lee reveals why it is now time to be chasing savings rates again and his tips for making sure a challenger bank you've never heard of is a good spot for your cash. 

  • Could you fall victim to a parcel scam?

    20/08/2021 Duración: 49min

    As Britain's streets are filled with drivers whizzing deliveries around, there's a new top scam in town. Parcel and package delivery scams are the most common type of 'smishing' text messages, a report said this week. Fraudsters are sneaking into people's text messages, pretending to be couriers that missed you while you were out, or need to arrange or rearrange a delivery. Click the link and you could end up being scammed. This is being enabled by the wave of online deliveries in the pandemic, as online shopping stepped up a number of gears, and the somewhat chaotic way some drivers are delivering those parcels: who doesn't recognise the 'leave it on the doorstep and run away tactic'? On this week's podcast, Lee Boyce, Georgie Frost and Simon Lambert look at what uou can do to avoid falling victim, what are the risks if you do, and can we do anything about the rise in fraud? Also on this week's podcast, its squeaky bum time for the triple lock. Wages are officially up 8.8 per cent and the reference mont

  • How low will mortgage rates go?

    16/08/2021 Duración: 54min

    How low will mortgage rates go? The lowest two-year fixed rate has been cut to 0.83 per cent and five-year fixed rates are available at 0.99 per cent. That’s cheap money – and while these super low rates are only reserved for those with the biggest deposits, it’s clear that the mortgage price war is back on. The question is will rates keep falling and get cheaper still?  Some experts say believe they won’t and this is the floor but others suggest they could come even down all the way to 0.5 per cent. On this week’s podcast, Georgie Frost, Helen Crane and Simon Lambert look at what’s driving mortgage rates down and the house prices up and whether it’s ever worth jumping ship to a potentially cheaper deal from an existing home loan? Also on this week’s show, are you a property snooper, spying on friends, relatives and colleagues’ house prices and homes? Plus, how to avoid getting too emotionally attached to your investments and is it worth tracking down DIY investing platforms and apps that of

  • Are your energy bills about to soar? Latest on the Ofgem price cap and how to beat imminent rises

    06/08/2021 Duración: 51min

    From October, millions of households can expect to pay even more on their energy bills.  Ofgem is raising the energy price cap for the second time in a year, due to rising wholesale costs. The cap is now at a record high and it means those who are on a standard variable tariff, or a prepayment meter, could be facing hundreds of pounds added to their annual bills. Lee Boyce, Grace Gausden and Georgie Frost take a look at the price cap, what it means and how to potentially beat it. When it comes to future technology, will we soon see the death of the landline to be replaced by phone calls over wi-fi? Additionally, with growing numbers of households – especially rural ones – turning to satellite broadband, we explain how it works and the potential costs. When it comes to current accounts, we tend to stay loyal. But those who have switched, Starling Bank and Virgin Money have been the most popular destinations. It's a tale of two different switching mentalities – those who want branches and bribe

  • Home eco-improvements are being pushed by the Government – but do the sums stack up?

    30/07/2021 Duración: 50min

    Ministers want us to ditch gas boilers and line our houses with insulation to save the planet, but do the sums add up for cash-strapped homeowners? Simon Lambert, Lee Boyce and Georgie Frost take a look at the Government's aims, if green measures in your home can pay for themselves in the long-run and what it could take to pull Energy Performance Certificate ratings for homes higher. Simon takes aim at London's low emission zone expansion - it's less than three months away and riddled with inconsistencies. It will leave at least 300,000 residents with older cars facing a fee of £12.50 each time they get behind the wheel – and these schemes could be coming to a town or city near you. Value and quality are in, income and momentum are out… we explain the latest investing trends - and bust some jargon too. Tesco closes all its current accounts - so where next for their nearly a quarter of a million customers? Is Barclays a good option? You can now earn Avios points and get a free upgrade once a ye

  • With new plans to tackle bogus ratings online: How much can you trust reviews?

    23/07/2021 Duración: 51min

    The Government is planning a major crackdown on fake reviews. Under proposals, it will become illegal to pay someone to write, or host, bogus online ratings. How much weight should we put behind buying decisions when it comes to reviews and ratings, and what exactly are the plans to prevent this kind of consumer manipulation? This week, Simon Lambert, Lee Boyce and Georgie Frost discuss this, along with the others measures the Government is planning, including on subscription traps and Christmas savings clubs, and how it'll be enforced. How much are you saving? You might think a lack of a rainy day pot is solely an issue for those on low incomes, but you'd be wrong. A quarter of Britain's wealthiest households do not have one - why is this the case? That comes as fixed-rate deals nudge higher, but Lee warns listeners not to get too excited. Are you paying for too much mobile phone data? And would you take part in a home swap in order to save on your summer holiday?

  • What's the link between rocketing car hire prices and inflation?

    16/07/2021 Duración: 43min

    Just when you thought that you could book to go back in the water.  As if sorting a holiday, ensuring the country you want to go to is okay for long enough to get there, or dodging quarantine roulette wasn't enough, now car hire inflation is biting. In a sign of the inflationary times, the cost of renting a car has rocketed to about three times the price of last year and it's being blamed on the semiconductor shortage. How can a lack of computer chips drive up costs so substantially at the car hire desk?  And what on earth has this got to do with the price of a bag of crisps? On this week's podcast, Georgie Frost, Grace Gausden and Simon Lambert look at holidays and inflation and the points where supply and demand are intersecting to create very odd scenarios, plus Simon expands on his crisp-based inflation explanation. Also on this week's podcast, Grace investigates unpaid Dartford Crossing charges that spiralled into a £3,000 bill and Simon looks at what happens if you want to give your house to your

  • Should the triple lock give an 8% state pension rise?

    10/07/2021 Duración: 49min

    The triple lock has always been a hot potato but things have stepped up another gear as it could deliver a bumper 8 per cent state pension increase due to a statistical quirk. The state pension pledge means that payouts rise by the greatest of inflation, wage growth or 2.5 per cent. Yet, wage growth numbers are being skewed this year because the Covid crash a year ago saw millions put on furlough on a maximum of 80 per cent of earnings, workers suffer temporary pay cuts, and many lose their jobs. Job cuts disproportionately hit the low paid and continue to do so, taking them out of the figures and bumping up the average wage, workers coming back from furlough are seeing pay go back up to their full amount, and short-term pay cuts have been reversed. All this makes average wage growth look artificially high, despite many public and private sector workers suffering pay freezes or negligible rises. The Office for Budget Responsibility forecast that distortion could lead to an 8 per cent wage growt

  • Underpaid state pension scandal update alongside the future of pensions and green bonds

    02/07/2021 Duración: 51min

    Yet more people caught up in the underpaid state pension scandal have been unearthed by This is Money – and tragically, in the two cases we highlight this week, they weren't alive to see justice. Two bereaved daughters received sums of £42,000 and £71,000 because their mothers were underpaid state pension for more than a decade before dying in their 90s. The payouts are all thanks to the intrepid work of investment and pensions editor Tanya Jefferies and our pensions agony uncle Sir Steve Webb. They join deputy editor Lee Boyce and Georgie Frost to talk about these latest cases, and what it means in terms of inheritance tax and care fees – could you, a family member or friend have been caught up in the scandal? We also talk about pensions in more details – do you know what yours is invested in and what it's worth? It will matter even more than usual if the Chancellor gets his way and taps into our retirement pots and parcel it out to fast-growing businesses, transport projects, real estate and

  • How much do you need for a comfortable retirement? (TiM podcast excerpt)

    30/06/2021 Duración: 09min

    How big a pension pot do you need to save for a comfortable retirement? Pension and investing editor, Tanya Jefferies, discusses research that puts a figure on what people need to retire on, in this excerpt from the This is Money podcast. Alongside host Georgie Frost, she talks about Which? research into pension savings and how people can build the pot they need. Also, This is Money's assistant personal finance editor Helen Crane looks at whether you should prioritise getting on the property ladder ahead of a pension or pay equal attention to both. And the team look at how younger workers can build the retirement savings they will need.

  • The stamp duty race to avoid a double false economy

    25/06/2021 Duración: 53min

    Home buyers are engaged in a last minute race to beat the stamp duty deadline – with some facing a potential double false economy. House prices have bounced over the past year meaning that the £15,000 maximum saving of a year ago would now come on a property that potentially costs £50,000 more. That has led to claims of a false economy, but it would be doubly so for any buyer who then missed the deadline too and ended up with an extra £12,500 tax bill as they only get the tapered bit of the stamp duty holiday not the whole thing. On this week’s podcast, Georgie Frost, Lee Boyce and Simon Lambert look at the last minute stamp duty rush and what might happen next to the property market, with Simon outlining that it’s not just a tax cut driving the pandemic boom. At the other end of the property ladder, the team look at how to make sure you don’t end up paying off a mortgage in retirement and what you can do if you are approaching your pension years or in them with a home loan still to clear. It’s

  • Would you invest in sneakers or the new space race?

    18/06/2021 Duración: 52min

    Sneaker investing – those in the know don’t call them trainers, apparently – has become a big thing in recent years and as values have risen, so has the volume of fakes. It’s not just knock-offs aping standard sneakers anymore, some of the counterfeiters are dabbling in shoes that could go on to be worth thousands of pounds. Can anything be done, does it matter and what’s the attraction if investing in sneakers anyway? This is Money’s Grace Gausden went behind the curtain with eBay, which has its own crack team of fake sneaker spotters, to find out more and tells podcast listeners all about it here. Alongside, Georgie Frost and Simon Lambert, Grace discusses the tests that can spot a fake and why eBay is cracking down. Meanwhile, Simon looks at the comparisons between sneaker investing and other more established alternatives, such as art, wine and classic cars and, of course, the new kid on the block, crypto. Also, on this week’s show the team discuss the courses for those who haven’t driven in years and the

  • Is loyalty starting to pay for savers and customers?

    11/06/2021 Duración: 50min

    Does loyalty pay or is it just a bizarre concept we have allowed businesses to convince us might exist while they take advantage? As banks and building societies hint at better rates for those who have stuck by them and insurers find themselves forced at regulatory gunpoint to at least not sting existing customers, this week’s podcast looks at the loyalty reward and penalty. At what point does the corporate idea of loyalty rewards meet the reality of whether it’s worth sticking with the same provider? Georgie Frost, Lee Boyce and Simon Lambert discuss loyalty, its rewards and its drawbacks on this week’s podcast. Plus, Britcoin, a new idea for the Bank of Mum and Dad and beach huts… are they a cheap property goldmine?

  • Could the 18-year property cycle really predict the next house price crash?

    04/06/2021 Duración: 39min

    Another week, another house price index stating record growth. This time it was the turn of Nationwide, which said prices had risen 10.9 per cent in the year to April, reaching a new high of £242,832 - up by £23,930 compared with 12 months earlier. Most experts say this is down to people's changing lifestyles during the pandemic and the incentive provided by the Government's stamp duty holiday. But are there other forces at play? Fred Harrison, a British author and economic commentator, successfully predicted the previous two property crashes years before they occurred - and his 18-year property cycle theory says that house prices should continue to boom before crashing in 2026. His theory is based on analysis of 300 years of data, and suggests that the underlying force behind rising prices in the property market is the finite supply of land. This, he says, combines with greed and speculation to turbo-charge sentiment and send prices spiralling before a bubble bursts. Given that early predictions of a h

  • Could the 18-year property cycle really predict the next house price crash?

    04/06/2021 Duración: 39min

    Another week, another house price index stating record growth. This time it was the turn of Nationwide, which said prices had risen 10.9 per cent in the year to April, reaching a new high of £242,832 - up by £23,930 compared with 12 months earlier. Most experts say this is down to people's changing lifestyles during the pandemic and the incentive provided by the Government's stamp duty holiday. But are there other forces at play? Fred Harrison, a British author and economic commentator, successfully predicted the previous two property crashes years before they occurred - and his 18-year property cycle theory says that house prices should continue to boom before crashing in 2026. His theory is based on analysis of 300 years of data, and suggests that the underlying force behind rising prices in the property market is the finite supply of land. This, he says, combines with greed and speculation to turbo-charge sentiment and send prices spiralling before a bubble bursts. Given that early predictions of a h

  • Are you a Premium Bond winner or loser?

    28/05/2021 Duración: 43min

    Have Premium Bonds turned you into a savings winner, or are you one of the losers who have been missing out on prizes for years? On this week’s podcast we dive into Britain’s beloved savings lottery, looking at who holds the most Premium Bonds, who wins and who doesn’t. NS&I revealed exclusively to This is Money this week that an astonishing 43 per cent of bonds are held by just 4.3 per cent of savers – that’s £56billion out of the £107billion total. Or to put it another way every £2 out of £5 saved belongs to less than 1million savers out of a total 21.4million. That may go some way to explaining why close to three-quarters of Premium Bonds savers haven’t won a prize in 14 years. Georgie Frost, Lee Boyce and Simon Lambert dig into the statistics, deliver a theory on how much you might need to hold to bag at least one prize a year, and look at whether Premium Bonds are worth having. They are certainly popular and that’s why Nationwide has launched a savings lottery – is that worth signin

  • Is a little bit of inflation really such a bad thing?

    22/05/2021 Duración: 51min

    The UK’s official inflation figure more than doubled to 1.5 per cent in April, it emerged this week, as the stronger than expected recovery continued to push up the cost of living. Meanwhile, as we discussed on last week’s podcast, a wave of demand is meeting a shortage of supply for some items, sparking fears of an inflationary spike. But while this is bad news for the pound in your pocket – which will buy less – and for savers, who will see their measly interest rates fail to keep up with how inflation erodes their cash, wasn’t the whole point of all that money printing and rate cutting to get a stronger recovery and inflation back towards the 2 per cent target? On this week's podcast, Georgie Frost, George Nixon and Simon Lambert look at why inflation has become a hot topic, how it will affect savers and investors, and what it could mean for the game we all thought we could stop playing for some time: when will interest rates rise?  George runs through the impact for savers, who now can't find

  • Holidays abroad are back on but would you book one?

    15/05/2021 Duración: 48min

    Holidays abroad are back on… or are they? The much-heralded green list proved to be something of a damp squib, with the only popular British holiday destination on there being Portugal. There was no place for Greece, France, Spain, Italy, the US, or other regular stars in the list of Britons’ favourite travel spots. Some rushed to book trips to Portugal, but travel giant Tui reported this week that holidaymakers are cancelling and delaying bookings and rival On The Beach scrapped all its summer holiday departures before the end of August. Concerns over Covid variants and worries about countries being rapidly pulled from the green list for travel are likely to prevent many from booking, but there is still a big desire from many vaccinated Britons to enjoy one their beloved trips abroad.  So, will there be a surge of bookings, a last minute wait and see game, or a race to grab the few remaining staycation places during the summer holidays? On this week’s podcast, Georgie Frost, Simon Lambert and

  • Build up a cash pot then buy and sell your way to profits: Never Go Broke/This is Money special

    07/05/2021 Duración: 54min

    This week saw the launch of new book - Never Go Broke: How To Make Money Out Of Just About Anything, co-written by This is Money personal finance editor Lee Boyce. In this podcast special, Lee is joined from Los Angeles by his co-author, Storage Hunters TV star Jesse McClure, to explain all to Georgie Frost and Simon Lambert. Jesse and lee discuss how they met, how the book was created, and their three step approach to putting more money in your pocket with a little bit of entrepreneurial endeavour and reselling. The book is broken down into three parts: how to build up a cash pot, learning the resale blueprint and investing the pot for resale profits. Step one is all about properly selling items in your home, making cash legitimately – and safely – online, and even making money from stuff you might think is trash. This is good both for your wallet and the environment. Step two sees Jesse outline some of the tips and tricks he uses everyday as a professional buyer and seller, while step three is

  • Are you itching to spend after lockdown or planning to save?

    30/04/2021 Duración: 48min

    Are you itching to spend or planning to save? Lockdown savers are forecast by the Office of Budget Responsibility to have stashed away £180billion by the middle of this year.   That collective cash pile has been built up by those who have been fortunate enough not to see their finances hit by the pandemic, but have seen their outgoings drop substantially.   We’ve already seen some big spending themes come out of this, as people splash out on everything from home improvements, to luxury garden furniture, expensive pizza ovens and hot tubs.   The expectation is that as lockdown eases and people are released into the hoped for freedom that vaccines bring, they will go on a spending spree.    But will that definitely happen and will the economic rebound be strong enough to create a virtuous circle that delivers the much-talked about Roaring Twenties?   Or will people be more cautious and adopt their newfound savings habit more permanently?   On this week’s podcast, Georgie Frost, Helen Crane and Simon Lambert, di

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