High house prices mean that the biggest barrier to buying a home in Britain is raising a deposit. With mortgage interest rates at near record low levels, many would-be homeowners could afford monthly payments - but saving the average £30,000 deposit would take years. For a lot of first-time buyers that means a trip to the Bank of Mum and Dad, but what if that's not an option? It is possible to buy a home without raising tens of thousands of pounds, if you take a 95% mortgage. With one of these deals, a first-time buyer able to pass mortgage affordability tests could put down a 5% deposit of £10,000 and buy a £200,000 home. But is that a good idea? Didn't small deposit mortgages crash the economy a decade ago? Are they not leaving themselves heavily overexposed to falling house prices?
In this week's podcast, Simon Lambert and Georgie Frost dig into the world of buying a home with a small deposit mortgage, busting the myths and considering the benefits and the risks.
Want to keep up with the latest earnings updates from the States? Well join Chris Hill and the Motley Fool Radio Show team here on Share Radio, direct from Washington DC, for news, views and analysis of the US stocks that matter. In this week's show: Macy’s surprises; Walmart slips; Home Depot sells off; PayPal makes a big buy; And Campbell’s Soup gets a shakeup; Our analysts discuss those stories and dish out some marital advice for the royal wedding.
The advance of AI and robotics brings many challenges as well as huge opportunities – and public concern about changes in the labour market has been mounting in recent years. But is our pessimism justified? Len Shackleton - the IEA’s Editorial Fellow and author of a recent report into robotics and the future of work - speaks to Digital Officer Madeline Grant, and examines whether we might be overstating our predictions of widespread job loss. They also evaluate some of the policies currently being proposed by politicians in response to these emerging technologies.
Want to keep up with the latest earnings updates from the States? Well join Chris Hill and the Motley Fool Radio Show team here on Share Radio, direct from Washington DC, for news, views and analysis of the US stocks that matter. In this week's show: Wall Street shrugs off big earnings from Disney; Nvidia connects; TripAdvisor flies higher; MercadoLibre stumbles; Electronic Arts wraps up a strong year; iQiyi pops, while Dropbox drops.
The past 18 months have been a political whirlwind in both the UK and USA.
Britain’s departure from the European Union presents the opportunity for a free trade deal to be forged between the two countries. But will the opportunities be seized upon in a timely manner, or at all? Today the IEA’s Director General Mark Littlewood speaks to Michael Carnuccio, President and CEO of the E Foundation for Oklahoma, a think tank aiming to grow Oklahoma State’s prosperity in the long term. Michael also gives an update on politics overseas, his assessment of President Donald Trump’s first year in office, and his predictions for the November midterm elections.
Interest in generational diversity has exploded since the turn of the 21st century, especially in Marketing and HRM. While many researchers are supportive of the concept of generations, a growing number have questioned the validity of the idea that people are psychologically different according to when they were born. In this interview, Peter Urwin speaks to Cranfield University’s Professor Emma Parry to discover what the research has to say about Generations X, Y and Z; why the findings from existing studies must be treated with caution; and why a lot of this work risks stereotyping certain age groups.
Want to keep up with the latest earnings updates from the States? Well join Chris Hill and the Motley Fool Radio Show team here on Share Radio, direct from Washington DC, for news, views and analysis of the US stocks that matter. In this week's show: Apple surprises; Walmart gets serious in India; Shake Shack raises the roof; T-Mobile and Sprint hope the third time’s a charm; Snap slumps; And Tesla’s CEO generates some electricity.
Also today: How concerned should we be about interest-only mortgages?
Simon gets angry about potholes!
And Sainsbury's boss may be in the money – but with a potential tie-up with Asda in the offing, what’s in it for the shoppers?
Today we’re joined by the IEA’s Research Director Dr Jamie Whyte, and Catherine McBride, Senior Economist in the IEA’s International Trade and Competition Unit, who analyse the future of Britain’s financial services post-Brexit. Interviewed by the IEA’s Digital Officer Madeline Grant, the pair discuss to what extent Brexit will actually effect the vibrancy of Britain’s financial services, and what opportunities lie outside of European Union for the finance industries. Catherine and Jamie give particular focus to the fear-mongering, perpetuated by certain camps, around the future of financial services, arguing that the EU’s regulatory fixations have held the City of London back for years, and made it significantly harder for genuine competitors to enter the market.
Dividend investing isn’t just for retired people who need an income from their share portfolio – it can also be a rewarding strategy for younger investors who can reinvest their dividends. Ed Bowsher finds out more from Adam Laird of Lyxor, Oliver Smith of IG Smart Portfolios, and Laura Suter of the Telegraph.