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Full Commentary

If no one ever took risks, Michelangelo would have painted the Sistine floor.”

Neil Simon, playwright

This week Rishi Sunak will deliver his first Budget where emphasis can be given to the longer-term plans of this Government, rather than Covid-19. Having said that, there’s a massive overhang of debt as a result of the past eighteen months, which represents a significant contingent liability if interest rates were to move sharply upwards.

The advance announcement of changes to National Insurance deductions in order to provide funding for social care and the NHS gives him the opportunity to set out a more forward-looking Budget, and we’ve already seen major investment plans for public transport outside London and the South-East, in order to support the levelling-up agenda.

Drawing on investment from the private sector is a key part of moving forwards, and care will have to be taken not to discourage risk-taking by taxation changes. So please READ ON .. as this week we ask for a proper recognition of the risks that investors take, together with suggesting a useful investment that the Chancellor could make in helping to prepare people better for old age.

 

We've published 215 weekly commentaries covering a wide range of issues, and you can find links here to the full list over the past four years.

 

 

 

 

The Financial Outlook focuses on the forthcoming Budget this week, with particular attention to the future path of inflation and interest rates. Meanwhile, The Bigger Picture looks ahead to the Government’s commitment to a green future: This Is Money, however, wonders whether people will be willing to pay the additional price. There’s lots of coverage of new movies in The Business of Film, while The Hypnotist looks back to an old favourite: ‘The Matrix’. Plus, we have our regular reports from US markets in the Motley Fool shows, and Steve Caplin brings us up to date with the latest gadgets.

 

Please scroll down this home page for links to these programmes. Also, for those who prefer listening on iTunes, Spotify or Amazon, try searching for our podcasts under ‘Hrkn’ – a quick way to find us! 

 

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In partnership with publishers Harriman House, Share Radio has produced the audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters: Simon Rose, Fenella Fudge, Glen Thompsett, Ed Bowsher and accomplished actor David Ricardo Pearce, whose ancestor is featured in the book.

Order your audiobook download of Superinvestors 

 

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Welcome to Gavin Oldham's full presentation describing his vision for egalitarian capitalism.

The main set of proposals are as follows:

Egalitarian Capitalism is an alternative to socialism which, while fostering and encouraging enterprise for all, acts to involve and empower people right across society and especially the young. 

Six key steps of egalitarian capitalism

  1. A proper programme of financial education to help people from all walks of life to build a personal store of freely disposable assets.
  2. Setting the conditions for disinter-mediation, in particular reducing the extent of parasitic inter-mediation which separates people from a sense of ownership and control.
  3. Direct share ownership: drawing together employee, consumer and share-owner, providing much improved corporate governance so that individual share-owners can participate fully in the companies in which they have chosen to invest.
  4. Calls for risk to be properly recognised when setting taxation on reward. This means encouraging innovation and continuing to recognise the risks taken by self-employed people.
  5. Addresses inter-generational equity, introducing a programme of incentivised financial learning for the disadvantaged young, fuelled from inheritance tax receipts, to enable them to achieve their full potential in adult life.
  6. Tackles one of the most difficult issues for democratic capitalism: universal benefits. It proposes a new voluntary approach for higher taxpayers to make discretionary payments for using universal, state-run services.
The Bigger Picture: Sir David Amess, Boris's gamble on a green future, the EU vs. Poland
In the wake of the killing of Conservative MP Sir David Amess, Professor Tim Evans of Middlesex University, who had worked with him, asks how the threat to MPs can be better managed. He looks at the Prime Minister's big gamble on a green future with huge political and technological problems to overcome. And with the EU and Poland at loggerheads where we are witnessing the dialogue of the deaf, he wonders who will prevail.
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The Financial Outlook for Personal Investors: Inflation, interest rates and the Budget

Laith Khalaf discusses the slight fall in inflation last month to 3.1%, pointing out the distortions caused by the pandemic the year earlier. Markets are betting on the Bank of England increasing interest rates in November, but is it likely to happen? Laith looks forward to next week's Budget, thinking investors may be hit by a hike in CGT. And he also highlights the first Bitcoin ETF launching in the US, giving Bitcoin further legitimacy.

LISTEN HERE
   The Financial Outlook for Personal Investors: Why investing in shares needs a much higher profile on TV and Radio
Lord John Lee has become a champion for people investing in the stock market over recent years: he's written three books on investing, he's a patron of ShareSoc, the society for individual shareholders in the United Kingdom, and he's now challenging Government, broadcasters and regulators to encourage a much higher profile for investing in shares on TV and radio. Gavin Oldham meets with John to discuss the background to his initiative and his proposals for change; and they go on to consider how customer share ownership can be expanded, how to encourage more active participation in shareholder voting, and how to improve financial education.
LISTEN HERE
 This Is Money: Are you willing to pay the price for going green?

Going green used to be presented as a way of saving money, but the stark reality that dealing with climate change will mean us spending more is dawning. The carrot of £5,000 grants to help people ditch gas boilers and install air source heat pumps or other more eco-friendly heating was dangled by the Prime Minister this week. There was a hefty caveat though, there is only enough cash for 90,000 being made available and it seems like the rest who want to get greener heating will need to foot hefty bills themselves. People can stall but eventually the stick will come, with banks encouraged to only give the best mortgage rates to those with efficient homes. Likewise, another carrot was dangled in the form of green savings bonds from NS&I, so savers could put their money to work helping the nation’s green projects. Once more, there is a big caveat: the rate on the three-year bonds is a measly 0.65%. That compares to the best standard three-year savings fix of 1.81%. Maybe Kermit was right, it’s not easy being green. But will our good intentions overcome the higher costs and lower returns and people be willing to pay the price for going green? Georgie Frost, Lee Boyce and Simon Lambert, discuss green bonds and better alternatives and greener homes, their costs and whether there is also better options that we are being presented with right now. Plus, we had closure on the axing of the triple lock this week, with an inflation figure that set the next state pension increase, and bitcoin hit a record high. And finally, Lee explains the This is Money headline of the week: ‘I fished my daughter's third birthday present out of a skip’.

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Gadgets & Gizmos: Solar-powered fire engines & camper vans, facial recognition payment & fast-delivered food
Steve Caplin, Share Radio's technology expert, discusses Gloucestershire's solar-powered fire engines and Dutch students who've built a solar-powered camper van. Facial recognition payment has come to the Moscow Metro and schools in North Ayrshire. Apple have listened to customers with their new Macbook, Tesco have a checkout-free store as well as a one-hour delivery service that isn't as fast as some competitors. Also news of a foldable e-scooter you can take on a plane, robot Japanese waiters, the Royal Mint extracting gold from discarded devices and 10,000 Damien Hirst spot paintings where the buyers have a difficult choice to make.
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Business of Film: Let There Be Carnage, Halloween Kills, The Last Duel, Beatles and India.

James Cameron-Wilson welcomes a glut of new films now that Bond is finally fading, though it has amassed £68.6m in the UK and looks set to be the 2nd high-crossing in the series. #2 is ‘Venom: Let There Be Carnage’ with Tom Hardy, #3 ‘Halloween Kills’ (the 12th in the franchise), #5 ‘Ron's Gone Wrong’, #6 ‘The Last Duel’ and #10 is ‘Arracht’. There's also the documentary ‘Beatles and India’ about the sub-continent's influence on the Fab Four and their music.

LISTEN HERE
Motley Fool Money: Google’s Pivot, Tesla’s Record, Netflix’s New High

Google lowers service fees in its app store. Snap plummets on 3rd-quarter results and a warning. Tesla reports record profits. Netflix hits a new all-time high. Chipotle serves up strong sales: and Buffalo Wild Wings tests a robot cook. Emily Flippen and Maria Gallagher analyze those stories and weigh in on the latest from Boston Beer, Crocs, Facebook, JD.com, PayPal, Pinterest, Tencent, and Zillow Group. Plus, they offer up some reading recommendations for investors and share two stocks on their radar: Doximity and Rent the Runway.

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Motley Fool Answers: Facebook in Your Portfolio? Achtung Baby!

We’ll argue the bear and bull case for investing in Facebook with the help of Jason Moser and his alter ego. Robert explores a more holistic approach to evaluating your expenses with the help of financial planner Matt Trogdon. We’ll answer your question about capital gains taxes and include one too many U2 references.

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Modern Mindset: Karen O’Hara on Alpha-1 Antitrypsin Deficiency.

Adam Cox is joined by Karen O'Hara, Chair of patient advocacy group, Alpha-1 UK Support Group, to discuss what Alpha-1 Antitrypsin Deficiency (AATD) is and the causes of the condition. They look at why is can be so difficult for sufferers to get a diagnosis, and Karen explains her own experience living with AATD.

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The Hypnotist: 'Matrix' Hypnosis
Whether you've seen the movie 'Matrix' or not, Adam Cox makes it come alive in this episode. Working on the interplay between simulation and reality, he uses the film to address the issues around making tough choices in life, and in a real-life hypnosis session.  
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The Bigger Picture: A World of Individual Opportunity - the Vision of Egalitarian Capitalism

Imagine a world in which everyone has a stake in the great tech firms that serve them each day, and where dividends are gradually replacing wages to provide regular income for everyone, as work becomes scarcer as a result of automation? Imagine a world where every young person not only has a small inheritance with which to start their adult life, but also the opportunity to build its value by learning life skills? Simon Rose is taking a well-earned break this week, so we’re taking the opportunity to bring you a talk given Gavin Oldham in August to the leading City of London think-tank Z/Yen.

Click link for slides for presentation

LISTEN HERE
Sharefound: Good News for 16-18 year-olds in Wales!

On 31 August '21 The Share Foundation hosted a virtual event for young people in Wales, to help them find money that the government put away in a Child Trust Fund for when they reached 18. All young people born in the UK from 1st September 2002 should have one of these accounts, but huge numbers don't know anything about them! With Welsh-speaking help from Jac, this audio podcast of the virtual event tells you all about your good fortune, and invites you to register at https://findCTF.sharefound.org so that Sharefound can help link you with your money. Please share! And if you want to join a virtual event yourself, please visit https://www.sharefound.org/ctf-virtual-events and register for your choice of date: they're taking place each fortnight.

LISTEN HERE
The Talk by The WealthiHer Network: Getting work right for women

Women’s roles have been challenged with many women reporting feeling the pandemic has reversed decades of progress on equality. Women have worked more support hours than men and while women make up 47% of the UK’s workforce, they account for 52% of people furloughed and 54% of job losses, a report from the Women’s Budget Group found. This poses the question of whether women are deemed to be less valuable workers than men. However, there have also been positive outcomes as a result of the pandemic – a greater awareness of others and their need for symbiosis between life and work, a realisation that flexibility is possible and dare I say it... more efficient.

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 Economist Questions: A ‘Good’ and ‘Efficient’ Workplace: Tricky Balancing Act?
Research into workplace productivity and management practice is often focused on the links between ‘Good’ and ‘Efficient’ practices. ‘Good’ covers employee-friendly policies; for instance, those providing opportunities for better Work Life Balance. In contrast, ‘Efficient’ practice includes the use of KPIs, setting clear performance expectations and tackling underperformance where it is identified. In this episode Peter Urwin and Professor Richard Saundry discuss this, drawing on their own understanding as researchers and experiences as line managers. The operational reality is that managers hold a position between the interests of their organisation and those who work for them – how do they balance the (often competing) need to create both efficient and good workplaces?
LISTEN HERE
VIDEO: Tracking down £1bn of missing Child Trust Fund cash

Every child in the UK born between 1 Sept 2002 and 2 Jan 2011 has a Child Trust Fund (CTF). But one child in six has lost contact with the money. Gavin Oldham, Chairman of The Share Foundation – which runs the Junior ISA & Child Trust Fund schemes for children in care for the Department for Education - is trying to re-connect them. He talks through the CTF, how to track an account down, and what a child can and can’t do with the money.

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Superinvestors

In a new partnership with publishers Harriman House, Share Radio has produced its first audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters. 'Superinvestors' lays bare the investing secrets of legendary investors - from early 20th-century figures such as Benjamin Graham and John Maynard Keynes, through to more modern names such as Anthony Bolton and Warren Buffett.

LISTEN HERE
The Share Foundation

How you can help young people in care prepare for adult life by supporting The Share Foundation’s ‘Stepladder of Achievement’ programme.

LISTEN HERE

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Share Radio offers free apps for both Apple and Android mobile phones and tablets: download yours without delay! It's the quick and easy way to listen live or listen again, and a great way to access our substantial podcast library.

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