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Georgie Frost

This Is Money: State pension goes above £10,000 — but has something got to give?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: State pension goes above £10,000 — but has something got to give?
The state pension is getting a boost this week, meaning many pensioners will see their payments go above £200 per week or £10,000 per year for the first time. The Government has also recently announced that it is delaying a decision on hiking up the state pension age to 68 until after the next election – perhaps influenced by protests across the channel. Pension commentators said move would be 'incredibly unpopular', and likely 'political suicide'. Governments don’t like to upset retirees because they vote in high numbers — but maintaining the status quo is incredibly expensive. Has something ultimately got to give when it comes to the state pension age and maintaining the triple lock? Georgie Frost is joined by Tanya Jefferies and Helen Crane to discuss. We also look at one lucky This is Money reader who is getting an even bigger rise, seeing his pension go up by more than 16%. It sounds like great news — but he is wondering whether it means he has been short-changed in the past. Elsewhere, research this week has shown Britons are still dragging their feet when it comes to making a will. The team looks at why it’s important, how to do it — and why it isn’t just about money. Also, E-Toro’s Sam North provides the latest update on the markets as we head into the long weekend. We also discuss why broadband companies have been able to get away with ignoring instructions from regulator Ofcom to make switching easier for customers. It told them two years ago that they needed to make it possible to swap providers in just one day — so why are most of us still left languishing without an internet connection for up to two weeks? Finally, do you fancy a sabbatical from work to travel? Some big firms are offering the extended time off as a perk to long-serving staff — but would your boss let you go, and how would you afford it?
Guest:

Tanya Jefferies


Published:
Gavin Oldham

Thought for the Week: Customer Stock Ownership to the Rescue?

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: Customer Stock Ownership to the Rescue?
At first sight the challenges facing TikTok and John Lewis appear very different. For the former, it's the risk of being denied access to much of the free world as regulators clamp down over concerns of it becoming a major security threat. For the latter, John Lewis's need to raise investment is threatening the partnership which staff and customers hold in such high regard. These very different problems could, however, both be solved by applying customer stock ownership — in TikTok's case, in return for the immense wealth creation made possible by data harvesting; in John Lewis's case, in return for that £2 billion which they urgently need to update their business model. In each case, disintermediation leading towards a more egalitarian form of capitalism. Background music: 'On Hold' by Silent Partner

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Georgie Frost

This Is Money: Should we worry about the banks... and why raise interest rates now?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Should we worry about the banks... and why raise interest rates now?
Just when you thought it was safe to go back in the water... A banking crisis has seemingly emerged out of nowhere, in a system that we've been told is stable, well capitalised and far from its parlous state when the credit crunch and financial crisis struck. So, what is going on and why did both the Federal Reserve in the US and the Bank of England see fit to raise interest rates this week? Georgie Frost and Simon Lambert talk interest rates: whether we have hit the base rate peak, when they might fall, why central banks keep raising them and what the impact will be for savers, borrowers and investors. Plus, what's going on with the banks? Why the sudden wobble? What's it got to do with rising interest rates and government bonds? Is this just a shake-out taking out those that weren't very well run anyway, or something more dramatic? Also, Simon explains why he thinks some people might need to sell some investments now. (But not for the reasons above). And finally, are Pokémon cards really an investable asset? The This is Money team dived into the world of collecting hem this week, Simon explains what they found out.

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Georgie Frost

This Is Money - How to make the most of saving and investing into an ISA

Georgie Frost
Original Broadcast:

This is Money

This Is Money - How to make the most of saving and investing into an ISA
There's not long left until the end of the tax year - and that means it is time to sort your ISA if you haven't already. This year's Isa allowance runs out as the tax year ticks over on 6th April and it pays to get everything you can into the tax-free shelter for savings and investments. But what are the important things you need to know, the tips for making the most of your ISA - and why does it matter more this year than it has done before. On this ISA saving and investing special episode, Georgie Frost and Simon Lambert talk all things ISAs - from finding the best saving rates, to how to invest and how to boost your chance of investment success if you already have a stocks and shares ISA.

Published:
Gavin Oldham

Thought for the Week: Solving the AI Challenge to Wealth, Control and Intelligence

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: Solving the AI Challenge to Wealth, Control and Intelligence
The huge take-up of ChatGPT over recent weeks has brought the challenge of Artificial Intelligence into sharp relief. As the Chief Executive of its creator, OpenAI, said in one of his blogs, 'Artificial Intelligence will bring unimaginable wealth but, unless something changes, most of us will get none of it. We need a radical solution'. Conventional wisdom sees Universal Basic Income as the way through this dilemma, but this will only bring us more state intermediation and human subservience. We can put forward a better solution, by enabling all to share in the wealth that technology brings and to play their part in its future governance. Background music: 'Digital Solitude' by Silent Partner

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Gavin Oldham

Thought for the Week: Resolution in need of foundations

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: Resolution in need of foundations
The Resolution Foundation's paper 'ISA ISA Baby' released last week drew a scathing response from This Is Money, and understandably so. Their analysis of the inadequate attention given to building savings and investment in low-income families was very much on target, but they chose to accompany it with an ill thought-out and uninformed attack on the most successful long-term savings and investment plan in the United Kingdom, the Individual Savings Account. The route to a more egalitarian form of capitalism is not by attacking aspiration by penalising those who are successful and thrifty. Savings are not just for a rainy day — they bring economic freedom. Background music: 'Resolution' by Wayne Jones

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Georgie Frost

This Is Money: Could an ISA tax raid really cap savings at £100,000? Plus Bank of Dave's Dave Fishwick on his Netflix hit

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Could an ISA tax raid really cap savings at £100,000? Plus Bank of Dave's Dave Fishwick on his Netflix hit
An astonishing idea for an ISA tax raid was outlined by the Resoloution Foundation last week, with the proposal that tax-free savings and investments should be capped at £100,000. No more aspiring to be an ISA millionaire, it would be £100k and out under this plan. It said that the nominal money out toward not taxing ISA interest, gains and dividends should instead go in the direction of encouraging those without savings to build up a pot. Is that a good idea, would it be a fairer way of doing things, and is there any conceivable way this could actually happen? Georgie Frost, Helen Crane and Simon Lambert discuss the proposal and whether it has any merits. Spoiler alert, Simon strongly disagrees and says this would also perpetuate even greater inter-generational unfairness. Find out why. Also, the team delve into a new American Express and BA card that's been dubbed the best deal ever for Avios points, but are they worth collecting? Sam North of eToro joins us to talk through what's been going on in markets over the past week and why newly confident investors had their confidence shaken. Helen fills us in on a very depressing Crane on the Case where Scottish Widows only offered a reader £250 after they were denied their dying wish by its failure to pay out their pension on time. On a much lighter note, why have we been researching the bleeding obvious this week and testing whether putting a jumper on means you could really save money on your energy bills? And finally, we are joined by long-time friend of This is Money, Dave Fishwick, who talks to Simon about the Netflix movie about Bank of Dave and what it's like to see your life portrayed on screen.
Guest:

Helen Crane


Published:
Simon Rose

The Financial Outlook for Personal Investors: My Portfolio with Lord Lee — The long view (REPLAY)

Simon Rose
Original Broadcast:

The Financial Outlook for Personal Investors

The Financial Outlook for Personal Investors: My Portfolio with Lord Lee — The long view (REPLAY)
Simon Rose takes a well-earned break this week, so we bring you his interview with Lord Lee, author of 'How to Make a Million Slowly', as recorded nearly six years ago. At that time, 1 February 2017, it had been an intriguing start to the year for investors with sterling hitting new lows, driving the stockmarket to a record high. Lord Lee cautioned that forecasting the future direction of markets is a tricky business but for investors who maintain a long term view, the importance of growing dividends and hard assets continues to stand out.
Guest:

Lord Lee


Published:
Motley Fool Money

Motley Fool Money: London Calling Microsoft (12/12)

Motley Fool Money
Original Broadcast:

Motley Fool Show

Motley Fool Money: London Calling Microsoft (12/12)
A new 10-year deal with the London Stock Exchange sends shares of Microsoft higher. Jason Moser discusses the "win-win" deal between the two sides, how cloud services like Azure and AWS are becoming utilities, the short, not-so-happy public life of Weber Grill, and Peter Lynch's advice being a starting point (not a finish line) for investors. Plus, 12 minutes in, Ricky Mulvey talks with Eddie Alterman, host of the "Car Show" podcast, about the used car market and how GM is competing with Ferrari. Stocks mentioned: MSFT, LDNXF, AMZN, GOOG, GOOGL, WEBR, COOK, GM. Holiday Music: Sugar & Booze by Ana Gasteyer. Host - Chris Hill; Guests - Jason Moser, Eddie Alterman
Guests:

Jason Moser, Eddie Alterman


Published:
Gavin Oldham

Thought for the Week: Transforming our nation of shopkeepers into global financiers

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: Transforming our nation of shopkeepers into global financiers
Last week's rather under-stated 'Edinburgh Reforms' will pave the way for a major step forward in the UK's contribution to global financial services. In what Mark Austin describes as a 'Darwinian evolution', this broad set of regulatory changes not only frees the City from decades of living under the European Union umbrella of directives, but also continues with measures to ease over-reaction following the 2008 financial crisis. Background Music: 'The New Order' by Aaron Kenny

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