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The worst thing about our gerontocracy is its short-sightedness. A society that denies its young economic independence, home ownership, the possibility of marriage and children, is in decadent decline.”

Janice Turner, Journalist at The Times

In the midst of exam results season, I was about to prepare this Thought for the Week on a theme of guidance, reaction and originality as the three sources of inspiration for each new generation. That was until I read Janice Turner's article in Saturdays’ The Times’, entitled ‘Now the young are priced out of marriage’.

This article is not, however, just about marriage — or, rather, the lack of it (in 2021, 51.3% of babies in England and Wales were born out of wedlock: for those who think this was a pandemic blip, it’s hovered between 47% and 48% for the past decade). The article’s subtitle points to a deeper malaise: that our society is denying a whole generation from low income backgrounds the opportunity to find adult stability and economic security of their own.

She draws attention particularly to the combination of the high rate of unmarried partnership disintegration (53%) by the time children are just five years old, together with the fact that wedlock has become the domain of the wealthy. This combination makes it graphically clear why so many young people end up in the care system, and why it's so important to help them to achieve their potential in adult life notwithstanding such a chaotic start.

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We've published over 250 of these weekly commentaries covering a wide range of issues, and you can find links here to the full list over the past five years.

 

 

 

 

The Bigger Picture considers the state of ‘Basketcase Britain’ while The Financial Outlook and This Money focus on inflation and interest rates. There are two Motley Fool Money episodes, looking at the Disney/Netflix battle and companies with great futures. Four episodes of Modern Mindset include one on university clearing, and there are our regular reviews of movies and gadgets — and please don’t forget to check out and re-tweet our podcast promotion clip for Gadgets & Gizmos!

 

 

 

 

Please scroll down this home page for links to these programmes. Also, for those who prefer listening on Apple, 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 

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.
Thought for the Week: Generational Disconnect

Janice Turner's strikingly clear article in Saturday's Times (13/8/22) sets out why young people from low income households have such a struggle finding stability and economic security, after years of student debt, soaring house prices, and a much higher risk of split parents. In 2010 David Willetts' book 'The Pinch' was published, setting out the huge generational divide at that time: but over the past 12 years, the position has deteriorated significantly. Will Liz Truss call for change?
Background music: 'Land of My Fathers' by The 126ers
Links via https://www.shareradio.co.uk/thinkingaloud/newsletters/comment-wc-2022-08-15/

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The Financial Outlook for Personal Investors: US inflation, UK GDP and political uncertainty
Victoria Scholar of Interactive Investor explains why markets viewed the lastest US inflation numbers – softening to 8.5% – so positively. She discusses what might be expected from the UK's GDP figures. She explains why the current political uncertainty in the UK – with the two very different approaches espoused by the candidates – is making the country a difficult place to invest, suggesting that, for the time being, UK markets are in a holding pattern.
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This Is Money: Will rates keep rising and are cash ISAs a good option again? Savings special

Rising bills and the cost-of-living crisis are forcing many to dip into savings pots, if they have one to begin with. At the same time, with base rate rising to try and curb inflation, savings deals have become far better than they have been in the last decade. Georgie Frost and Lee Boyce are joined by a special guest: James Blower, AKA The Savings Guru, who gives his take on where savings rates are heading next. With lesser known challengers paying the best rates, how do you know they’re any good? And should you fix now or wait? He explains how savings rates set, why big banks are slow to pass on base rate movements and with savings deals improving, James explains why a cash ISA might be a good home for your money once more. Elsewhere, times are tough with plenty of misery on the horizon thanks to rising energy bills. Latest predictions suggest the price cap could land somewhere between £4,000 and £5,000 a year. Much has been said this week about households, but what about businesses which are slowly being crushed under the weight of rising costs? Not protected by an energy cap, some hospitality bosses are said to be considering closing down due to unprecedented energy bills while three quarters are thinking about reduced opening hours. And with household prices set to soar, a 'Don’t Pay' UK movement has grown suggesting cancelling direct debits – but is that a wise idea?

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Business of Film: Bullet Train, Luck & 13 Lives

James Cameron-Wilson looks at the UK box office chart, with takings down 20% week-on-week. At #1 is tongue-in-cheek thriller Bullet Train, starring Brad Pitt, but it only took £2.9m in an extended weekend. With no other new films, James turned to streaming services. On Apple+ is Skydance Animation's Luck, with the voices of Simon Pegg and others. At times delightful, it ends up being a mixed bag, says James. He was more positive about Amazon Prime's 13 Lives in which director Ron Howard tells the true story of the cave rescue of a group of Thai schoolboys. Viggo Mortensen and Colin Farrell are among the cast.

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The Bigger Picture: Curing Basketcase Britain, The Commonwealth Games & Immigration Thriving Post-Brexit

Professor Tim Evans of Middlesex University explains why bold market reform is needed to solve the problems of "basketcase Britain", before it is too late. He reflects on the success of the Commonwealth Games, held in Birmingham, particularly the spectacular opening and closing ceremonies and considers where the future of the Games – and the Commonwealth – might lie. And he shows how immigration is thriving in the wake of Brexit though points out that infrastructure planning must be tackled seriously and quickly.

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Gadgets & Gizmos: Jet fuel from sunlight, tech mattresses & spider micro-cranes

Steve Caplin tells Simon Rose of plans to create jet fuel from sunlight. Students have built an e-car that sucks CO2 from the air, there's a tech mattress to help with sleep, Google's new AR glasses, a way to use dead spiders to lift tiny objects, a wearable fitness tracker that detects Covid 2 days before symptoms appear and a faster, more efficient way to dig tunnels - with a big catch.

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Motley Fool Money: Disney Passes Netflix (11/8)

The House of Mouse is firing on all cylinders, and now its total number of subscribers for Disney+, Hulu, and ESPN+ is greater than Netflix. Dylan Lewis and Maria Gallagher (00:21) discuss Disney’s pricing power and streaming fatigue, how Coinbase is faring through a Crypto Winter, and what Softbank is telling investors about the private markets. Plus, Nick Sciple interviews Tim Johnston, Co-Founder of Li-Cycle Holdings (15:41), a lithium-ion battery recycler. They discuss how Li-Cycle can meet some of the growing demand for the metals that go into electric cars, and the company’s partnerships with major energy providers. Stocks mentioned: DIS, NFLX, COIN, UBER, SFTBY, LICY; Host - Dylan Lewis; Guests - Maria Gallagher, Nick Sciple, Tim Johnston

 

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Motley Fool Money: This Is When Amazing Companies Are Born (10/8)

While some tech companies announce lay-offs, others are posting blowout earnings. Deidre Woollard and Tim Beyers discuss how a decrease in consumer spending is hitting SaaS companies in unexpected ways, why The Trade Desk is thriving in a tough environment, a “cautious” view on tech layoffs (and why we aren’t hitting the panic button), why Walmart might join the streaming wars, and a brilliant, tiny company that’s not getting enough attention from investors. Plus, Jason Moser and Matt Argersinger look at how companies are managing their share count, and one homebuilder that’s outperformed Amazon for more than a decade. Stocks mentioned: DDOG, TTD, WMT, SNAP, GRPN, JAMF, META, NVR, LOW, NVDA, AMZN. Host - Deidre Woollard; Guests - Tim Beyers, Jason Moser, Matt Argersinger

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Modern Mindset: Professor Martin Stringer on the University Clearing Process

Adam Cox is joined by Professor Martin Stringer, Pro Vice Chancellor of Education at Swansea University, to discuss new research revealing the public's understanding of higher education, and attitudes towards universities. Martin explains why so many people are still unsure of the clearing process, and provides advice to students, and parents of students, going to university in September. https://www.swansea.ac.uk/

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Modern Mindset: Jordan Shelley on the Kept Animals Bill

Adam Cox is joined by Jordan Shelley, Founder and Director of Animal Journal, to discuss a new petition, backed by animal welfare spokespeople and charities, that could help secure the safety and wellbeing of countless domestic and wild creatures across the world. Jordan explains the Kept Animal Bill, when it is likely to go through, and also why animal rights are often not a priority to politicians. https://www.animaljournal.co.uk/campaigns/

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Modern Mindset: Alison Lovett for World Breastfeeding Week

Adam Cox is joined by Alison Lovett, a trained midwife, general nurse and homoeopath, and founder of The Latch, for World Breastfeeding Week. They discuss why it can be so difficult to get a newborn to breastfeed, and some of the common problems new mothers face. She explains how other cultures' attitudes towards breastfeeding differ from western ideas and why breastfeeding is so beneficial. https://www.thelatch.co.uk/

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Modern Mindset: Dr Raja for National Hair Loss Awareness Month

Adam Cox is joined by Dr Raja, a specialist hair transplant surgeon, for National Hair Loss Awareness Month to discuss some of the causes of hair loss, and how hair loss has driven some seek to illegal or badly performed hair transplants. He explains how to be safe from poor quality hair transplant surgery and gives advice to those suffering from hair loss. www.theprivateclinic.co.uk/surgeon-doctors/dr-furqan-raja/

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The Hypnotist: Smoking Hypnosis
Our trilogy of smoking hypnosis programmes concludes with this brief episode, challenging the unconscious resort to a cigarette in stressful situations such as handling a difficult telephone call. It might help plant a seed for ideas to help cope with a variety of difficult times, and helps move those unconscious reactions into conscious choices for the better.
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 This Is Money: How will rapidly rising interest rates affect you?

Base rate has gone from 0.1% to 1.25% in the space of six months, in a flurry of rate rising that would have been considered unthinkable a year ago. Yet, as the Bank of England delivered another 0.25% raise, voices were raised in some corners to demand why it hadn't gone further. Why not a 0.5% jump or even a 0.75% one, as the Fed had delivered in the US? With inflation running at 9% and expected to head north into double digits, the onus is on the Bank of England to show it has a grip and we aren't heading back to the 1970s. But is rapidly raising rates the right thing to do and how will it affect savers, borrowers and investors? Georgie Frost, Lee Boyce and Simon Lambert discuss the case for and against rate rises and what the impact is for the economy and people. Mortgage rates have risen even faster than the base rate, so what can those who need to remortgage do - and will this sink house prices? The team assess the prospects for the property market and offer their tips on what borrowers should do to prepare and protect themselves. Meanwhile, over in the US, it's the stock market that's suffering as rates rise. Why is that, and how bad could this bear market be? And finally, petrol prices keep hitting record highs and we want people to switch to electric cars but the Government has swiped away the £1,500 grant that helps people buy more affordable models. Will that make a difference, or has electric car demand reached a level where ditching a bung to help out is wise?

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The Financial Outlook for Personal Investors: The case for investment trusts

Jonathan Davis, editor of the Investment Trusts Handbook, tells Simon Rose what makes investment trusts special and why investors should consider their merits. He explains the differences to other types of funds, including the premium and discount. He discusses the yields on alternative assets (including renewable energy and even music royalties) and how trusts can continue paying dividends even in bad years. The handbook, from Harriman House, is available in hardbook or free as an ebook (https://tinyurl.com/mt69fc24).

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Motley Fool Answers: So Long, and Thanks for All the STOCKS!

It’s the last episode of Answers (but don’t worry, we’re just moving to Motley Fool Money every Tuesday). We’ll reminisce on our biggest lessons learned over the last seven years and answer your questions, some financial, some festive.

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   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.
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The Talk by The WealthiHer Network: Female high-powered businesses

The Talk by the WealthiHer Network, every month on Share Radio: this month we are here to talk about the secrets of some of UK leading female businesses leaders and their journeys within launching their businesses. Tamara Gillan is joined by Charlotte Bobroff, the executive director at J.P. Morgan who has been incremental with working with female founders from female high-powered businesses. She recently curated an event surrounding female high-powered businesses and she will be discussing her findings. Also, we have the pleasure of Daina Speddings, who is an investor at BGF and will share her perspective on the investment journey.

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Share Drama: A Christmas Carol - the beloved classic, retold!

Scrooge has made the deal of his life with Chinese investors and must now quickly return to London on Christmas Eve to close the deal. On the flight back, during a fitful sleep, Scrooge confronts his past and present and learns the future consequences of his miserly life to find the true meaning of Christmas. Proscenium Online Theatre is super excited to be bringing you a whole new season of audio dramas in 2022. Starting off with 'The Girl in the Yellow Dress', a dark romance by South African playwright Craig Higginson, and 'Plunder', an original Hong Kong based thriller by American playwright Alan Olejniczak. In the meantime - sit back, close your eyes and enjoy the Proscenium Online Theatre’s production of 'A Christmas Carol'.

https://www.prosceniumonlinetheatre.com

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Gavin Oldham Capital Economics UK economy Brexit
Professor Tim Evans of Middlesex University discusses with Simon Rose the ideas behind Egalitarian Capitalism as espoused by Gavin Oldham OBE, amongst other things the founder of Share Radio. He's keen to see a world with inter-generational rebalancing, where everyone has a disintermediated stake in capitalism (for more, see tinyurl.com/mrhzcb27). Tim also asks if Boris Johnson is still a lucky general or are his days numbered?
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Investor Conferences: Panel Sesson - Sustainable & Social Investing in a Post-Covid World

Join the Sustain:Social panel session on December '21, considering the outlook for investors in the wake of the COP26 in Glasgow. The panel comprises of - Chair: Rodney Hobson Panel: Gervais Williams (Premier Miton Group); Jamie Broderick (Impact Investing Institute); Mohan Gundu (Sustainable Funds Group); Mike Appleby (Liontrust Sustainable Investment team); Gavin Oldham (The Share Foundation / Share Radio).

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The Bigger Picture: Trussell Trust, helping UK food banks rise to the challenge

Food banks are providing a vital role to help people this winter, and the Trussell Trust supports more than 1,200 throughout the United Kingdom. In this special episode of The Bigger Picture, their Chief Executive Emma Revie briefs supporters about their progress, and their plans for the future. If you would like to support the extraordinary work undertaken by this charity, please visit https://trusselltrust.org

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The Financial Outlook for Personal Investors: the unabridged Budget speech

If you missed Chancellor Rishi Sunak delivering his speech on 27 October, here's your chance to hear it. Plus, read our commentary on Monday 1 November for Share Radio's perspective, including our assessment of the contrast with the mid-70s, when public borrowing last hit stratospheric levels.

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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

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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.

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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?
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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.

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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 has put together a list of our ‘Top 5 Money Saving Apps’ to help our listeners make the most of their money.  All the apps featured here are free to download on either Apple or Android devices. Read more...

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