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The FT’s money-making expert Claer Barrett responds to real-life money questions from a range of millennial guests gearing up to battle the cost of living crisis. Every episode is packed with nuggets, tips and takeaways shared by top FT writers and financial experts. There are no short cuts to wealth, but Money Clinic promises to tell you things you didn’t know about your finances and investing in ways that anyone can understand.
Want to talk to Claer on the show? Email [email protected] or drop her a line on Instagram @Claerb
Hosted on Acast. See acast.com/privacy for more information.
The podcast Money Clinic with Claer Barrett is created by Financial Times. The podcast and the artwork on this page are embedded on this page using the public podcast feed (RSS).
Matt started investing at just 22 with the help of his financial adviser father. Now, at 29, and with a wedding on the cards, he’s got an extra reason to be diligent about his money. Some of Matt’s stock picks (such as Glencore) haven’t been performing as he might like. Is it time to leave stock-picking behind, and focus on a more diversified approach?
Presenter Claer Barrett is joined by Adam Walkom, the co-founder of Permanent Wealth Partners, and Investors’ Chronicle editor Taha Lokhandwala, to discuss Matt’s situation. Adam and Taha disagree on the merits of stock-picking – but they’re in agreement about the concentration risk lurking within Matt’s portfolio.
Want more? Free links:
Read Moira O’Neill’s recent FT article about diversifying your stocks and shares Isa here: https://on.ft.com/4l0xrAk
Read FT columnist Simon Edelsten on how investors can build more resilient portfolios: https://on.ft.com/41YJWUn
Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there’s one problem: it’s all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this.
Presenter Claer Barrett hears from experts Emma Sterland, chief financial planning director at Evelyn Partners, and Investors’ Chronicle editor Rosie Carr. Together, they discuss how Jane might make the most of tax-efficient vehicles like the stocks and shares Isa, how a first-time investor could build a diversified portfolio, and why knowing your reasons for investing is so important.
Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more? Free links:
Read Claer’s recent column weighing up the likely effect of rumoured Isa reforms: https://on.ft.com/4hdLMX5
What’s going into your Isa this year? Read this guide about how to pick diversified investments by FT columnist Moira O’Neill: https://on.ft.com/4hcyKZP
Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Sixty-seven-year-old Paul invests using index funds. Over the years, his exposure to US tech stocks has helped him build up a sizeable retirement pot — but recent stock market volatility is making him worry.
Now that he’s no longer working, Paul wonders if he should diversify into other equity markets, consider buying bonds, or an annuity. But he is finding this is hard to do without looking at the bigger picture of his finances in retirement.
Financial Times consumer editor Claer Barrett is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Moira O’Neill, an award-winning journalist with a column in the weekend edition of the FT.
Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more? Free links:
If concentration risk is something that worries you, read this FT analysis: "How big is the stick market's 'America Bubble'?" https://on.ft.com/4ifFash
For a masterclass in how index funds work, do check out this episode from the Money Clinic back catalogue:
'Investment Masterclass: The cheapest way to invest.' It's available on Apple (https://podcasts.apple.com/gb/podcast/investment-masterclass-the-cheapest-way-to-invest/id287031335?i=1000582970471) and Spotify: (https://open.spotify.com/episode/4BDgn1dKL3JCkkjYwwbe2B)
Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Software engineer Stephan has a problem. As an early backer of bitcoin, he has made a lot of paper profit from cryptocurrencies, which now make up about a fifth of his portfolio. But Stephan’s also a big believer in ethical investing, including green investments. Given the energy-intensive nature of bitcoin mining, how could he approach resolving this conflict? Podcast host Claer Barrett, the FT’s consumer editor, is joined by FT columnist and personal finance expert Moira O’Neill, and David Baxter, funds editor at the Investors’ Chronicle. Together, they discuss the true meaning of green investing, and how Stephan might simplify his investments (and save himself some admin…)
Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more? Free links:
For a great read on the future of ESG in the Trump era, read this FT article: https://on.ft.com/41qB7lW
For more information about investing using Investment Trusts, read this FT piece by columnist Jonathan Guthrie: https://on.ft.com/3QMrGYQ
Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Twenty-nine-year-old Faye has made some sensible investing decisions and … some more outlandish ones. Should this high-earning City worker, who’s dabbled in everything from cryptocurrency to novelty number plates, get a little bit more serious about how she invests? Presenter Claer Barrett, the FT’s consumer editor, is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Nimesh Shah, CEO of accountancy firm Blick Rothenberg. They speak to Faye about tax-efficient vehicles (such as like venture capital trusts), the six-figure salary tax trap, and why there’s nothing wrong with having a bit of fun investing.
Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more? Free links:
Read more about the 60% tax trap here: https://on.ft.com/4i15aaU
Read Claer's tips about other ways to avoid the 60% trap apart from paying more into your pension: https://on.ft.com/41glLjC
For a primer in how VCTs work - and the pros and cons for investors - see this FT article: https://on.ft.com/41lhpYB
Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How does one double a sizeable portfolio in under a decade? The short answer is by taking more investment risk - and in today’s episode one of the FT’s most experienced investment columnists weighs up the potential risks.
Stuart Kirk has set an ambitious financial goal to hit ahead of his 60th birthday — growing his portfolio from just over £500,000 today to £1mn by 2032.
Will he be persuaded to take a punt on flashy US tech stocks, dabble in alternative investments such as private equity, go for gold, or even gamble with cryptocurrency?
In the edited highlights from the FT Weekend Festival in London, host Claer Barrett invites Stuart to present his portfolio to the FT Money tent, before taking a grilling from inquisitive FT subscribers in the audience.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Money Clinic will be back in 2025 with new episodes. If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.
Want more?
Read Stuart Kirk’s recent Skin in the game columns, When will emerging stocks finally emerge?, The best way to invest in gold, and more
Listen to Claer and Stuart’s viral mini podcast episode, The Five Minute Investor from Money Clinic: What is a PE ratio?
Check out Claer’s column, What’s the chancellor’s next move going to be with my pension?
Listen to more episodes of Money Clinic, such as Investment Masterclass: The hunt for global growth stocks, Investment Masterclass: The case for investing in AI, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. This episode is a repeat of a Money Clinic first published in January 2024.
More information on Morgan Housel and his books: https://www.morganhousel.com/
Follow Claer on social media @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read the transcript of this episode which was first aired in January 2024 on FT.com
Hosted on Acast. See acast.com/privacy for more information.
With a £22bn ‘black hole’ in the public finances, the new chancellor Rachel Reeves has difficult decisions to make ahead of Labour’s autumn Budget next month. How might this hole be plugged, and where might tax rises land? In this episode, Dan Neidle, founder of think-tank Tax Policy Associates and former head of tax at Clifford Chance, considers which tax-raising levers the chancellor might pull on October 30, and puts forward a case for fairer, growth-focused tax policy.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, What’s the chancellor’s next move going to be with my pension?
Listen to more episodes of Money Clinic, such as What will the UK election mean for your money?, Isa season: how to build tax-free wealth, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick with help from Mischa Frankl-Duvall. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
In an increasingly cashless society, how can parents ensure children learn healthy financial habits? In this episode, host Claer Barrett speaks to Sheila Bair, author of the Money Tales children’s book series and former chair of the US Federal Deposit Insurance Corporation, about instilling children with sensible attitudes to money - and reveals details of her next book, How Not to Lose a Million Dollars.
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Want more?
Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.
Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utility companies.
In an episode which first aired last September, Miranda tells presenter Claer Barrett about her experiences dealing with inconsiderate call handlers and poor processes in the private sector. Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?
Want more?
Listen to the second part of this series, Help! My parents are being targeted by scammers
Read Miranda Green’s article for free: Sadmin - the side hustle nobody wants
Services mentioned in the podcast:
https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
https://www.mylostaccount.org.uk
https://www.deathnotificationservice.co.uk
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Want more?
Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.
Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.
Presented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.
Read the transcript of this episode which was first aired last September on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Barbie is a big spender and high earner, fast approaching the age of retirement. But after a long and varied career that has seen her build a portfolio of multiple dreamhouses and a low-commitment, long-distance relationship with casual boyfriend Ken, what financial advice should she be looking for?
In this Headlinemoney award-winning episode of Money Clinic, first aired in August 2023, presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing.
Clips: Warner Bros
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Want more?
Check out Claer’s column, How the ‘single tax’ can break financial resilience.
Listen to more episodes, such as Should I get a prenup?, Investment Masterclass: The hunt for global growth stocks, and more.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Prenuptial agreements are no longer just for Hollywood power couples such as Jay Z and Beyoncé — they’re on the rise in the UK too. Host Claer Barrett sits down with family lawyer Richard Hogwood from Stewarts Law to discuss the legal status of prenups as well as the recent influx of requests at his firm, and quizzes James Brookner, founder of the online-platform Wenup, on an affordable route to drafting a prenup. Also in the Money Clinic studio are newly weds-to-be Steve and Georgina, who explain why they decided on a prenup and how they navigated the tricky conversation around it.
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Want more?
Check out Claer’s column, How the ‘single tax’ can break financial resilience
Listen to more episodes of Money Clinic on the topic, such as The finances of moving in together, How can we stop arguing about money?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with help from Jake Fielding, and the original music is from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Isabel Berwick, host and editor of the FT’s Working It podcast and newsletter, has spent the last year writing The Future-Proof Career, a book about how to thrive at work, now and in the future. In April, she held a launch event at Daunt Books, where she spoke to Money Clinic’s Claer Barrett, the FT’s consumer editor, about what she learned in the process. This is an edited version of a Working It episode that aired in May.
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Catch Isabel on the FT’s Working It podcast, read her latest newsletter, Keeping teams calm in turbulent times, and follow her on LinkedIn.
Read more Work & Careers articles from the FT, such as Five secrets of workplace success, and Can AI make brainstorming less mind-numbing?
Check out Claer’s column, How the ‘single tax’ can break financial resilience
Listen to more episodes of Money Clinic, such as Money Clinic live: How to get a pay rise.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The cost of insurance premiums is rising to record highs, but levels of customer service are falling for customers who end up having to make a claim, according to a new report. The consumer group, Which? has found that almost half of those claiming on home, car or travel insurance policies in the past few years have experienced at least one problem, as the volume of complaints linked to claims handling soars. Host Claer Barrett sits down with Sam Richardson, the deputy editor of Which? Money and Ian Smith, the FT’s insurance correspondent, to find out why insurance has become such a minefield for consumers, and how to reduce the cost of premiums without compromising the quality of cover.
Links:
Money Helper: https://www.moneyhelper.org.uk/en
British Insurance Brokers’ Association: https://www.biba.org.uk/
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Read Ian Smith’s FT Money cover story, What’s driving the car insurance crisis?
Check out Claer’s column, How the ‘single tax’ can break financial resilience
Listen to more episodes of Money Clinic on the topic, such as Am I paying too much for insurance?, Finance tips for freelancers, insurance pitfalls and how to write the perfect 'to do this', and more.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
When it comes to growth investing, big US tech stocks are the prime example. However, professional investors are looking to diversify into other areas of global stock markets, seeking out fast-growing companies of the future.This week, Claer sits down with fund manager James Thomson, who has managed the £4bn Rathbone global opportunities fund for 20 years. In this episode, he shares the ingredients for his “special sauce” to investing in growth stocks, his biggest mistakes and the core lessons he has learned from weathering several economic crises.
Links:
The Five Minute Investor from Money Clinic: Magnificent Seven
Money Clinic’s Investment Masterclass: The case for investing in AI
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Want more?
Check out Claer’s column, Could AI make you a better investor?
Listen to more investment masterclasses from Money Clinic, such as WTF are ETFs, Do sneakers deserve a place in your investment portfolio?, and more.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Over the past decade, collectible sneakers have crept to multi-billion dollar market status, but can they really be considered investments? In this episode, presenter Claer Barrett checks in with Unhedged podcast co-host and aspiring sneakerhead Rob Armstrong for his take on these alternative alternative investments, and later hears about the world’s first managed sneaker fund, Always Legit, asking co-founder and COO Howie Schwartz the burning question: are sneakers investable in the long run?
For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Watch the FT video report, How sneaker fans are cashing in on the $2bn resale market for limited edition trainers.
Check out Claer’s column, Could AI make you a better investor?
Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
It’s easy to harbour regrets about poor financial decisions, but this week’s guest has decided to do what many wouldn’t dare: air her mistakes in public on a national tour. Presenter Claer Barrett speaks with comedian Lucy Porter, best known for her appearances on QI, Have I Got News For You and EastEnders, about her biggest money regrets and more, and the many, many laughs along the way. Clip: BBC
Catch Lucy on her national tour of No Regrets and listen to her podcast, Fingers on Buzzers.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, What I wish I’d known before my smartphone was snatched.
Listen to more episodes, such as Money Clinic meets Joe Lycett, Credit Card Clinic: How to get on top of your debts in 2024, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Regardless of which political party wins the UK general election on July 4, voters fear they will have to pay more taxes. Taxes are the crucial battleground in the run-up to polling day, and experts question whether manifesto pledges can be delivered without raising them. What aspects of our personal finances could be affected - and could a change of leadership potentially be beneficial for investors in UK stocks? In this episode, host Claer Barrett discusses what could happen next with Miranda Green, the FT’s deputy opinion editor; Nimesh Shah, chief executive of advisory firm Blick Rothenberg and Moira O’Neill, an FT investing columnist. Clips: LBC, Labour Party
Links to articles mentioned in the show:
Blue Wall vulnerable to tactical voting as natural Conservatives turn against party
The hunt for good-value UK stocks
Wealthy foreigners step up plans to leave UK as taxes increase
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, What I wish I’d known before my smartphone was snatched.
Listen to more episodes, such as Tax cuts: will they or won’t they?, The bonus secrets of Financial Times readers, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Prepare to take a seat on the therapist’s couch and discover what your money habits say about you. In this episode, host Claer Barrett sits down with the UK’s first financial therapist, Vicky Reynal whose new book, Money on Your Mind: The Psychology Behind Your Financial Habits, aims to help people untangle problematic aspects of their relationship with money. They discuss the symbolic nature of money, what can make one person a spender and another a saver, and how equipping yourself with this knowledge can empower you to change negative behaviours around money.
Want more?
Check out Claer’s column, What I wish I’d known before my smartphone was snatched.
Listen to more episodes, such as Money and relationships: a crash course, Investment masterclass: The psychology of money, The high cost of being a wedding guest, and more.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
When we talk about the relative value of our investments, PE ratios are never far away from the conversation - but what does this mean, and what exactly goes into this calculation? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett challenges FT investment columnist Stuart Kirk to break down the ‘price’ and ‘earnings’ parts of the equation, and elucidate on other ways the PE ratio is used by investors to benchmark the relative value of different shares and other assets in their portfolio.
Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Check out Claer’s column, Have you got five minutes to talk about investing?
Read Stuart Kirk’s latest Skin in the Game column for free.
Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
With a string of companies preparing to launch stock market listings on both sides of the Atlantic, investors may be tempted to invest in an IPO. But when companies stage an initial public offering, what are the factors to consider? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain why companies go public, and the risks of getting carried away with investing on the first day of public trading.
Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s latest Unhedged newsletter, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer.
Check out Claer’s column, Have you got five minutes to talk about investing?
Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Like an interest rate on a savings account, investment yields show us how much income different investments are able to generate. But how are yields calculated, and how can they measure the returns on different types of investments including shares, bonds and property?
In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett asks FT markets columnist and Unhedged co-host Katie Martin to give practical examples of how yields can be used as a benchmark for different assets, and how to interpret the story behind the numbers.
Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse.
Want more?
Listen to Unhedged wherever you get your podcasts, and read Katie Martin’s column on the topic, How the humble dividend might rise again.
Check out Claer’s Lunch with investor and ‘Dragon’s Den’ star Deborah Meaden.
Listen to Money Clinic’s investment masterclasses, such as Deborah Meaden on her life in business, An insider's view of the City of London, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Global stock markets are charging along breaking record after record — but what’s driving this ‘bull market’ and how much longer can it last? Plus, what could it mean for investors if a ‘bear market’ awakens from hibernation? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain the factors that drive bull and bear markets, and if individual investors should reconsider their strategy.
Links:
Free pound cost averaging calculator: https://www.hl.co.uk/tools/calculators/regular-investing-calculator
Free dollar cost averaging calculator: https://www.buyupside.com/calculators/dollarcostave.php
Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s Unhedged newsletter on the topic, A better bull market?, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer.
Check out Claer’s column, Have you got five minutes to talk about investing?
Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
‘The two most powerful warriors are patience and time,’ Leo Tolstoy once wrote. But how can this make you a richer investor? The answer is compounding, and in our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Bobby Seagull, the TV star and mathematics teacher, to demonstrate how compounding can power up our long-term investments.
Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
Try out a compound interest calculator, and read more about INC and ACC funds.
Take a look at MoneySavingExpert’s credit card minimum repayment calculator.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Check out Claer’s column, Why do we think we can beat the market?
Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Share buybacks have been in the news as Apple announced what would be the largest buyback in US history. But why is the US tech giant purchasing $110bn of its own shares, and cancelling them? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett quizzes FT investment columnist Stuart Kirk on why more and more companies are doing this — and how investors can benefit.
Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Check out Claer’s column, Have you got five minutes to talk about investing?
Read Stuart Kirk’s latest Skin in the Game column for free.
Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
In the age of the smartphone, it’s never been easier to buy an investment — but how quickly can you sell one, and how might this affect the price? In our new miniseries, The Five Minute Investor, consumer editor Claer Barrett challenges investment commentator Justin Urquhart-Stewart to explain why liquidity should be at the forefront of every investor’s mind.
Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Check out Claer’s column, Why do we think we can beat the market?
Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London with today’s guest Justin Urquart-Stewart, What’s one of the world’s leading investors buying?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The Magnificent Seven could make up a much bigger slice of your own portfolio than you realise, but what are these seven stocks, and why are they so dominant? In our new miniseries The Five Minute Investor, consumer editor Claer Barrett challenges FT markets columnist Katie Martin to explain the hype around these gigantic US stocks.
Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Want more?
Read Claer’s recent column that looked at how exposed the index funds in her portfolio were to the Magnificent Seven - and if this was a good or bad thing: free to read link here
Check out Katie Martin’s most recent FT column, which looks at how the Magnificent Seven share prices are coming under pressure: free to read link here
Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
‘If I try to put myself back into the shoes of me as a 21-year-old, all I can tell you is this: I was hungry,’ writes Gary Stevenson in his recently released memoir, The Trading Game, which tells the story of how the son of a Post Office worker briefly became the highest-paid trader working on Citi’s bond trading floor at London’s Canary Wharf. He sits down with host Claer Barrett to talk about what he learned about trading and how the wider economy works – and why he’s worried.
Find Gary @garyseconomics on YouTube, X, Facebook, Instagram and TikTok. Read Gary Stevenson’s recent FT Magazine profile by Miles Ellingham.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.
Want more?
Check out Claer’s column, The hunt for good value UK stocks.
Listen to more episodes, such as Investment Masterclass: An insider's view of the City of London, Investment masterclass: what’s one of the world’s leading investors buying?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
The main stock index in the UK, the FTSE 100, includes some of the biggest and most profitable multinational companies in the world. But in recent years the index has trailed the US markets and is now considerably cheaper. In this episode of the FT’s Unhedged podcast, introduced by Money Clinic’s Claer Barrett, reporters Ethan Wu and Rob Armstrong ask if investors are overlooking a bargain.
Want more?
Read Claer Barrett’s latest FT article, The hunt for good value UK stocks.
Find Unhedged wherever you get your podcasts, and enjoy a free 30-day trial of the Unhedged newsletter (free for FT Premium subscribers). Follow Ethan Wu (@ethanywu), Robert Armstrong (Katie Martin (@katie_martin_fx) on X. You can email Ethan at [email protected].
Listen to more Money Clinic episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Nick Train on the case for investing in UK shares, and more.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.
Unhedged is produced by Jake Harper and edited by Bryant Urstadt. The executive producer is Jacob Goldstein. We had additional help from Topher Forhecz. Cheryl Brumley is the FT’s global head of audio. Special thanks to Laura Clarke, Alastair Mackie, Gretta Cohn and Natalie Sadler.
Hosted on Acast. See acast.com/privacy for more information.
Deborah Meaden, star of the hit BBC show “Dragons’ Den” is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. In this episode of Money Clinic, first aired in October 2023, Deborah speaks to host Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and her latest book, “Why Money Matters”, which explains money and finance to children.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.
Want more?
Check out Claer’s column, The hunt for good value UK stocks.
Listen to more episodes, such as Can ESG investing really change the world?, How can I scale up my side hustle? and more.
Links:
https://makemymoneymatter.co.uk/
Clip: BBC
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Hosted on Acast. See acast.com/privacy for more information.
With just days to go until the end of the tax year, it’s peak season for British savers and investors to make the most of their £20,000 annual Isa allowance before it renews on April 6. Whether you’re a beginner or a more seasoned investor, this episode clearly explains the tax benefits of Isas, how these work in practice and some common investment strategies. Host Claer Barrett breaks down the different types of Isas with FT Money columnist Moira O’Neill and Timi Merriman-Johnson, the financial educator and content creator better known online as Mr MoneyJar. In the edited highlights from an FT webinar, the panel shares tips about everything from getting started and choosing the right platform to asset allocation and ensuring your Isa portfolio is diversified.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, Why I’m sticking with my passive Isa strategy
Listen to more episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Isa investing is changing, and more.
Links:
https://www.boringmoney.co.uk/
https://compareandinvest.co.uk/
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Hot on the heels of a UK Budget announcement that promised to boost the childcare offer for working families, host Claer Barrett marks International Women’s Day by speaking to a panel of experts about the true cost of childcare, and how investing in this “essential infrastructure” could boost the UK economy as well as helping to close the gender pay and gender pensions gap.
On the panel are ‘Flex Appeal’ campaigner Anna Whitehouse, known to her social media audience as Mother Pukka, Joeli Brearley, childcare campaigner and founder of the charity ‘Pregnant Then Screwed’, and Maike Currie, who spearheads Hargreaves Lansdown’s ‘Financially Fearless’ female investing campaign. This episode is a recording of an event organised by FLIC, the FT’s financial literacy and inclusion campaign.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
For more on FLIC, see www.ftflic.com
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, What women want their financial future to look like.
Listen to more episodes, such as Mind the gap! What women need to know about investing, Childcare in crisis and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Chancellor Jeremy Hunt has delivered a £10bn tax-cutting Budget, promising to create a “new generation of investors” — but what does he actually have in store for our personal finances? Host Claer Barrett is joined by an expert panel to discuss tax changes coming in April, with higher-earning working parents set to see the biggest boost. Armed with direct guidance from HMRC, Miranda Green, the FT’s deputy opinion editor and Rafe Uddin, FT politics reporter, talk us through changes to child benefit, and whether plans for a new “UK Isa” and a retail offering of NatWest shares this summer will really boost the fortunes of London’s stock market — and of investors. They’re joined by Carl Emmerson, deputy director of the Institute for Fiscal Studies, who sets out what people on different salary bands can expect to see from the second cut to national insurance — plus what tax policies the opposition Labour party might be thinking up after Hunt shamelessly borrowed some of its biggest ideas.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
For a full guide to tax changes, read this FT Weekend piece: Will the Budget leave you better off?
Listen to more episodes, such as Tax cuts: will they or won’t they?, When is a tax cut not a tax cut? The Autumn Statement digested and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Investors are expecting artificial intelligence to power the next tech revolution - but are they right? Positive numbers from AI chipmaker Nvidia have powered a global stock market rally in recent weeks, with valuations of the so-called Magnificent Seven soaring as AI enters the mainstream. In this episode, Claer sits down with “AI maximalist” Ben Rogoff, lead fund manager of the £3.5bn Polar Capital Technology Trust. With more than 80 per cent of his fund’s underlying investments aimed at capturing future growth from AI, he explains what’s informing his investment strategy and responds to fears of a valuation bubble. He also shares with Money Clinic listeners why “odd” behaviour from tech leaders could be a sign that change is happening faster than markets think.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, Overheard in the newsroom: who will be this year’s Budget winners?
Listen to more investor masterclasses, such as What’s in your global tracker fund?, Four ways to beat the market and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Most people know that you need a good credit score to be able to borrow money, but how to start building one is a mystery. First aired in June 2022, in this episode of Money Clinic, host and FT consumer editor Claer Barrett sits down with listener Emma, 22, who has never been in debt before, aside from her student loans. Emma has heard that getting a credit card could increase her chances of taking out a mortgage in the future, but before she applies for one, what does she need to consider? In this episode, Claer gives Emma’s credit score an MOT with help from Katie Watts, a consumer expert at moneysavingexpert.com, and debt adviser Sara Williams, who runs the Debt Camel blog. Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly, as well as offer tips on how to improve your credit score — and why this might be worth doing.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Want more?
Check out Claer’s column, A dating app with credit scores: what’s not to love?
Listen to more episodes, such as Credit scores: when a small debt becomes a big problem, Should I pay off my student loan early?, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Hosted on Acast. See acast.com/privacy for more information.
This bonus season, will the UK’s top earners invest their payouts tax-efficiently into pensions and Isas, or use them to pay down debts? In this episode, Money Clinic host Claer Barrett and FT communities editor Lucy Warwick-Ching discuss key findings from nearly 3,000 responses to the FT’s annual anonymous bonus survey. They are joined by Nimesh Shah, the tax expert and CEO of advisory firm Blick Rothenberg, and financial planner Adam Walkom, partner at Permanent Wealth Partners and author of Plan For Happy. Even if you’re not lucky enough to receive a bonus this year, learning what other FT readers plan to do with theirs provides some valuable – if enviable – financial insights.
Read Claer and Lucy’s full breakdown of this year’s FT readers’ bonus survey, Pay out or doughnut? FT readers’ bonus secrets
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Want more?
Check out Claer’s column, A dating app with credit scores: what’s not to love?
Listen to more episodes on bonuses and tax, such as Should I save, spend or invest my bonus?, When is a tax cut not a tax cut? The Autumn Statement digested, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The viral ‘finfluencer’ Clare Seal, better known by her handle, My Frugal Year, to her almost 120,000 Instagram followers, is known for her compassionate approach to managing debt. Having cleared £27,000 of credit card debt, the author and financial coach sat down with host Claer Barrett to share practical tips on how to start repaying debt, manage the cost of parenthood and address feelings of shame surrounding indebtedness.
If you need to speak to someone about your debts, please seek advice from free debt advice charities such as the National Debt Line and Step Change.
This episode contains a mention of suicide. If you are in need of urgent mental health support, please contact your local emergency services or reach out to a mental health helpline, such as the Samaritans.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Want more?
Check out Claer’s column, A dating app with credit scores: what’s not to love?
Listen to more episodes on financial planning, such as How to Sort Your Financial Life Out in 2024, Credit Card Clinic: How to get on top of your debts in 2024, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Will taxes rise or fall in next month’s Spring Budget? Host Claer Barrett visits the recently appointed financial secretary to the Treasury, Nigel Huddleston. He addresses the topic of tax cuts as well as listener concerns about static personal allowance thresholds, reduced entitlements to child benefit and ISA withdrawal penalties.
Back in the studio, FT’s Whitehall editor and Political Fix podcast host Lucy Fisher joins Claer to scratch beneath the surface of the minister’s comments on progressive tax policy in light of the IMF’s latest warning to chancellor Jeremy Hunt not to lower taxes. The two also discuss the national insurance reduction, the future of Lifetime ISAs and the importance of appealing to younger voters in the run-up to the election.
Read the full news story here.
For tips on how to organise your money, sign up to email series Sort Your Financial Life Out With Claer Barrett at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Want more?
Check out economics editor Sam Fleming’s article, IMF warns Jeremy Hunt against tax cuts in call to shore up UK public finances
Listen to more episodes on tax, such as When is a tax cut not a tax cut? The Autumn Statement digested, Understanding economics: why it matters for your money, and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper.
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Want more?
Check out Claer’s column, Why do we think we can beat the market?
Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.
Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing.
Want more?
Check out Claer’s column: Why do we think we can beat the market?
For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Introducing Untold, a new podcast from the special investigations team at the Financial Times. In its first series, The Retreat, host Madison Marriage examines the world of the Goenka network, which promotes a type of intensive meditation known as Vipassana. Thousands of people go on Goenka retreats every year. People rave about them. But some people go to these meditation retreats, and they suffer. They might feel a deep sense of terror, or a break with reality. And on the other side, they’re not themselves anymore. Untold: The Retreat launches Jan. 24.
Subscribe and listen on: Apple Podcasts, Spotify or wherever you get your podcasts.
Hosted on Acast. See acast.com/privacy for more information.
Mortgage lenders are cutting their rates. That’s good news for anyone thinking of buying or remortgaging a property. Presenter Claer Barrett and a panel of experts answer questions from listeners looking to switch, lock in a new rate, or wondering whether to go from fixed to variable rate deals. With Andrew Montlake, managing director of Coreco mortgage brokers, mortgage advisor Dan Knott, aka Dan Does Mortgages, and Rachael Sinclair, managing director for mortgages at Nationwide.
For more tips on how to save for a mortgage sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Want more?
Read Claer’s column: Why it pays to be picky about mortgage brokers
Barclays and Santader announce cuts to UK mortgage rates
How far will UK mortgage rates fall?
Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
First aired in September 2022, Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find yellow sticker bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.
Follow Laura Gaga on instagram @reduction_raider1
And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation.
To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse
More information on Morgan Housel and his books: https://www.morganhousel.com/
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
With the bills rolling in after Christmas, this week’s episode is devoted to helping listeners tackle their credit card debts on a practical and emotional level - no matter how big or small they might be. Host Claer Barrett hears from experienced debt adviser Sara Williams of the popular Debt Camel blog and Instagram account, Helen Saxon, deputy editor of Money Saving Expert, and Dr Pamela Roberts, a shopping addiction specialist at the Priory Clinic. They give tips on balance transfers and on how to resist the urge to splurge.
To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse
Links:
Business Debtline here
Citizens Advice here
Stepchange here
Debt Camel Blog here
For the MSE Credit card eligibility calculator, go here
To listen to the Money Clinic episode about shopping addiction, go here
Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
If you’re looking for inspiration for managing your money more effectively in 2024, this episode is for you! Claer Barrett is joined in the FT studio by popular financial experts Bola Sol, Timi Merriman-Johnson aka Mr MoneyJar, and Damien Jordan. Between them they offer a wealth of tips for navigating next year’s expected financial challenges and share their own money stories and strategies.
To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourse
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help.
You can follow Claer on X and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors’ Chronicle, and Algy reveals his unusual polymathic side-gig.
If you would like to sign up to the FT’s new money newsletter course Sort Your Financial Life Out with Claer Barrett, please click here
Find out more about Algy’s book Four Ways to Beat the Market here
You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on X and Instagram @Claerb
Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. This is another chance to hear him in conversation with presenter Claer Barrett, explaining his investment strategy and how he chooses stocks.
To sign up for Claer's Sort Your Financial Life Out email series, visit this link
Want more?
My Isa has suffered - but I’m still a firm believer
Investment masterclass: ISA investing is changing
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Global equity funds are a mainstay in most investors’ portfolios, but few peer under the bonnet to examine the gigantic, global companies included in these investments. Host Claer Barrett speaks to veteran investor and FT columnist Simon Edelsten about the ‘Magnificent Seven’ US tech stocks that comprise up to a quarter of the weighting in some global trackers. Can their impressive performance in 2023 continue? Simon considers the potential impact of big global trends including higher inflation, AI and climate change, and answers questions from listeners.
Free articles
Microsoft will have observer role on Open AI's new board
Tech turkeys and picking AI winners
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Tax cuts were the centrepiece of the Autumn Statement last week – with national insurance bills set to drop in January for 27mn UK workers – but these savings stand to be wiped out by ‘stealth taxes’. Host Claer Barrett crunches through the numbers and explores the Autumn Statement’s impact on pensions, Isas and other investments, with Katie Martin, the FT’s markets editor and co-presenter of the Unhedged podcast, Sam Fleming, the FT’s economics editor, and Rafe Uddin, the FT’s UK politics reporter.
Clips: UK Parliament TV
Free links:
Tell Sid all you like - but he might not buy NatWest
The Autumn Statement and your money
Q&A: How will the Autumn Statement affect me?
For related FT podcasts:
UK equity markets have had a torrid time, as our recent Investment Masterclass with UK fund manager Nick Train explores, listen here
Hear Claer and FT editors chat to Political Fix podcast host Lucy Fisher about the speed of tax cuts and the likely timing of the next general election, here
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Sean Kovacs McGarrity, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Inflation, interest rates, growth and taxes - they’re terms we hear on the news every day, but what impact do they have on our everyday financial lives? In a Money Clinic episode recorded in front of a live audience at the Bristol Economics Festival, host Claer Barrett hears from Sarah O’Connor, FT columnist and associate editor, and Susannah Streeter, head of money and markets at Hargreaves Lansdown. Plus, the audience pitches in with questions about property, mortgages, student debt and getting started as an investor.
For more information about the Bristol Festival of Economics, go here
For more about the FT’s Financial Literacy campaign, go here
Free links to FT articles:
AI shakes up the way we work in three key industries
Stagnation nation: governing the UK when ‘there is no money’
Low income borrowers hit hardest by Bank of England rate rises
UK households still under pressure despite lowest inflation in 2 years
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich, Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
With thanks to Zoe Steadman-Milne of the Bristol Festival of Economics
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Exchange traded funds, or ETFs, have been growing in popularity recently, but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. In an episode first aired earlier in 2023 presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.
Want more?
Top 50 ETFs 2023: The best ETFs to buy
If you live near Bristol, there’s still time to grab a ticket to Money Clinic’s LIVE recording at the Bristol Festival of Economics on Thursday, November 16th, where Claer will be talking inflation, money and markets with Sarah O’Connor, the FT columnist, and Susannah Streeter, financial expert from Hargreaves Lansdown. Get your ticket here
If you'd like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help.
You can follow Claer on Instagram and X @Claerb
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Are UK shares a bargain or a basket case? Nick Train has been an investment manager for more than 40 years and is renowned for sticking with his choices even if markets go against him. The man who’s been dubbed the UK’s answer to Warren Buffett tells host Claer Barrett why he has faith that shares in unloved UK companies will bounce back, even after years of underwhelming performance. Plus, he reveals why he seized the chance to secure a significant stake in Manchester United and why he’d like more young people to ditch sports betting in favour of having a flutter on the stock market.
Free links:
Nick Train says UK equities could stay cheap ‘for a very long time’
Lindsell Train suffers as consumer bets fall flat
Nick Train ups his stakes in Pearson and Manchester United
And if you’d like to join our live recording in Bristol on November 16:
https://www.bristolideas.co.uk/attend/money-clinic-with-claer-barrett/
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help.
Follow Claer on Instagram and X @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich and Mischa Frankl-Duval. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Back in 2010, Money Clinic listener Kalyan bought an iPad with a monthly 3G subscription. Thirteen years later, that long-forgotten purchase might stop him from getting a decent rate on his mortgage. It’s a story that shines a light on how credit rating agencies score you and how things can easily go wrong. Host Claer Barrett hears from Sara Williams, who runs Debt Camel, a blog and popular Instagram account, as well as James Jones, head of consumer affairs at Experian, one of the UK's main credit reference agencies.
Want more? Free links:
UK watchdog calls for reform of credit rating market
How to improve your credit score
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Deborah Meaden, star of the hit BBC show Dragons' Den, is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. She speaks to presenter Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and about her new book, Why Money Matters, which explains money and finance to children.
Want more? Free links:
What Rishi Sunak’s net zero overhaul means for UK emissions
ESG ratings: whose interest do they serve?
And mentioned in the show:
https://makemymoneymatter.co.uk/
Clip: BBC
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Isas, or individual savings accounts, in the UK are tax-free vehicles that have made millions of investors richer since their launch in 1999. The government is now considering a shake-up that would simplify “a complex landscape” of Isa products - but questions have been raised about fractional shares, which are traded by tens of thousands of younger investors. Host Claer Barrett discusses the basics of using Isas to save and invest, as well as what the government might have in store, with Jason Hollands, managing director of the online investment platform Bestinvest, Sarah Coles, head of personal finance at Hargreaves Lansdown and Brian Byrnes, head of personal finance at the savings and investment app, Moneybox.
The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.
Want more? Free links:
HMRC clashes with young investors over Isa rules
Don’t lose the exponential benefits of fractional share trading
Jeremy Hunt plans Isa overhaul to boost share ownership
Time for Isa investors to hold fractional shares
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The renowned economist and investor Mohamed El-Erian is chief economic adviser at Allianz, the parent company of Pimco, one of the world's leading providers of bonds and fixed-income investments. He’s also a contributing editor at the Financial Times, but his smiling byline photo on his weekly columns about the global economy is often at odds with the warnings and predictions he makes. He tells host Claer Barrett why he’s taking a wait-and-see approach to equities and gives his take on investment strategies in a high-inflation environment. Revealing some of the solutions to world problems in his latest book, Permacrisis, he also explains how a telling-off from his daughter was behind his decision to quit a top job.
The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.
Want more? Free links:
For the FT’s review of Mohamed El-Erian’s book, Permacrisis, see here
The plight of the ‘permacrisis’ and what to do about it
Investors should still expect a bumpy road ahead
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
It's hard enough sorting out the personal finances of a loved one who’s died. It’s even more painful when you suspect they’ve been targeted for their vulnerability. In the second of Money Clinic’s two-part series about what’s been called ‘sadmin’, the FT’s Miranda Green tells host Claer Barrett about the nasty surprises that she uncovered in her father’s personal finances after he died. Miranda found her Dad had been targeted by brokers selling him pointless insurance products, while her Mum had become the victim of several fraud attempts. So what are regulators and campaigners doing to protect vulnerable people from predatory selling tactics and scams?
Want more? Free link:
Sadmin - the side hustle nobody wants
Services mentioned in this 2-part series:
https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
https://www.mylostaccount.org.uk/
https://www.deathnotificationservice.co.uk/
Telephone preference service: www.tpsonline.org.uk
Information commissioner’s office: https://ico.org.uk/
https://www.ageuk.org.uk/information-advice/money-legal/scams-fraud/
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utilities. She tells presenter Claer Barrett about her experience of inconsiderate call handlers and poor processes in the private sector and Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?
Want more? Free link:
Sadmin - the side hustle nobody wants
Services mentioned in the podcast:
https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
https://www.mylostaccount.org.uk/
https://www.deathnotificationservice.co.uk/
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
It’s a year since Liz Truss and Kwasi Kwarteng’s mini-Budget sent the property market into a tailspin. No sooner had house prices begun to recover than they were dealt another blow by higher-than-expected inflation figures. At the recent FT Weekend Festival, the FT’s House and Home editor Nathan Brooker asked Yolande Barnes of the Bartlett Real Estate Institute, Andrew Montlake, boss of mortgage broker Coreco and buying agent Henry Pryor for their predictions on where prices will go next. Money Clinic dropped in on the discussion to hear what the experts had to say.
Free links:
UK mortgage lenders push through further rate cuts
Festival panel sounds death knell on the housing ladder
Bonuses, Brexit and Airbnb: impacts on house prices
Has London’s property market reached the bottom?
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Money Clinic is presented by Claer Barrett and produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of podcasts.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
We all want to feel properly rewarded for the work we do, but getting a pay rise is a tough nut to crack. How do you even start the conversation? At the recent FT Weekend Festival in London, presenter Claer Barrett put listeners’ questions to Isabel Berwick, host of the FT’s Working It podcast and Jonathan Black, FT columnist and director of the careers advice service at Oxford university.
If you want more:
FLIC, the FT’s financial literacy charity: https://ftflic.com/
Working It newsletter and podcast: https://www.ft.com/working-it
Jonathan Black’s careers advice column: https://www.ft.com/dear-jonathan
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. The FT’s global head of audio is Cheryl Brumley.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Sports betting is a relatively young industry in the US, in effect launching after a 2018 US Supreme Court ruling struck down a federal ban. Before then, those who wanted to gamble on sports legally had to travel to casinos in Nevada, or three other states that were exempt from the ban. Lifting the federal ban has led to a US sports-betting boom. How will regulators respond? It’s a subject that Oliver Barnes, the FT’s leisure industries correspondent, has investigated and he spoke to Brooke Masters, the FT’s US finance editor, about what he found.
Want more?
The dark side of the US sports betting boom
UK sets out biggest shake-up of gambling industry since 2005
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Brooke on X, formerly Twitter, @brookemasters
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Last year was one of the worst ever for the bond market. Fast forward to today and many people in finance say that despite the volatility, it is time for investors to get reacquainted with bonds. But what exactly are bonds, how do you go about investing in them and what are the risks? Brooke Masters, the FT’s US financial editor, stands in for Claer Barrett to discuss those questions and more with Edward Al-Hussainy, a senior analyst at Columbia Threadneedle Investments.
Want more? Click on these free-to-read FT articles:
Bonds are no longer the safe option
How bonds ate the entire financial system
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Brooke on X, formerly Twitter, @brookemasters
Follow Claer on X, formerly Twitter, and Instagram @Claerb
Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Zero day options are now almost 50 percent of the options market. But what are they? And why would anyone take these bets? Today on the show, host Ethan Wu and Alphaville’s Robin Wigglesworth discuss the latest way to gamble on the markets and address concerns that it all might blow up. Also we go short the Republican debate and long the Bloomberg terminal.
For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer
Follow Claer Barret on Twitter and Instagram.
Hosted on Acast. See acast.com/privacy for more information.
China’s economy has been growing faster than almost any other for a generation, so a slowdown is unfamiliar territory. Today on the show we look at three indicators — the CPI, exports and property sales — and try to understand why growth in China is finally slowing, and what it means for the rest of the world. Also, we go short cable news and long Argentina as a perpetual lesson in economics.
For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer
Follow Claer Barret on Twitter and Instagram.
Hosted on Acast. See acast.com/privacy for more information.
Rob has been invited to nine weddings this year and it’s playing havoc with his finances! How can wedding guests approach the subject of money when the costs of travel, accommodation, hen dos, stag dos and suits are all totting up? Presenter Claer Barrett is joined in the studio by Alice Tapper, founder of Go Fund Yourself, and Hamish Shepherd, chief executive of wedding planning app Bridebook. They explore the latest trends in wedding planning, and share stories of the lengths to which people have gone to attend, or get out of, a wedding.
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Simon Panayi, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Barbie is a big spender and high earner, fast approaching the age of retirement. But after a long and varied career that has seen her build a portfolio of multiple dreamhouses and a low-commitment, long-distance relationship with casual boyfriend Ken, what financial advice should she be looking for? Presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing.
Want more?
Annuities look sexy again: should Barbie buy one at 64?
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Clips: Warner Bros
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Exchange traded funds or ETFs have been growing in popularity recently but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. Presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.
Want more?
Top 50 ETFs 2023: The best ETFs to buy
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
This podcast has been corrected from an earlier version which gave the wrong calculation of an OCF charge.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Are you an insurance addict? Listener Joss thinks he might be and wants to know what type of insurance he really needs and whether he's getting the best possible deal. Presenter Claer Barrett speaks to Dean Dunham, who presents the Friday night ‘Consumer Hour’ show on LBC Radio, and Sam Richardson, deputy editor of Which? Money, the magazine of the consumer campaign group. They share guidance on finding the right insurance cover for your needs, how to look out for overlapping policies and how to request compensation if you believe you have been missold insurance.
Find more advice on picking the right insurance on the Which? website.
Listen to Dean Dunham’s consumer show every Friday on LBC at 9pm.
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors' Chronicle, and Algy reveals his unusual polymathic side-gig.
Find out more about Algy’s book Four Ways to Beat the Market here
You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The government has just extended the deadline to April 2025 for people to top up their National Insurance contributions. For many people approaching retirement, especially women, it offers a fantastic opportunity for them to increase their state pension by thousands of pounds by paying in only a few extra hundred. As you can imagine, the demand is huge, and has jammed the government pensions hotline. Money Clinic host Claer Barrett speaks to Sir Steve Webb, the former pensions minister and now a partner at consultancy Lane Clark & Peacock. He fields questions from FT readers and listeners about who should apply (and who should not), how to apply, and what kind of a deal to expect.
The episode features a clip from the Martin Lewis Podcast on BBC Radio 5 Live.
Want more?
Deadline to plug UK state pension gap extended until April 2025
Find out more about voluntary National Insurance contributions
See your State Pension forecast and find any gaps in your National Insurance record
Check your State Pension age
If you live or plan to retire abroad, click here for the the UK’s International Pension Centre
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb, and Claer’s guest Sir Steve Webb is @stevewebb1
Presented by Claer Barrett. Produced by Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The 13th interest rate rise in a row has piled on the pain for many homeowners. Money Clinic host Claer Barrett has assembled a team of experts to talk through the options for managing the hit on overstretched wallets. Sarah Pennells, consumer finance specialist at Royal London, Adrian Anderson of mortgage brokers Anderson and Harris, and the FT’s Chris Giles offer analysis, strategies and solutions.
Want more?
Banks must play fair as mortgage rates rise
Q&A: What should I do about my mortgage?
For details on the latest government support for mortgage holders see here
Mentioned by Claer in the podcast: https://debtcamel.co.uk
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Simon Panayi, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
There’s a live debate in the UK over whether regulation of crypto trading should come under the scope of financial services or be treated like gambling. The FT’s digital assets correspondent Scott Chipolina and our producer Persis Love report from Castle Craig in Scotland, a rehab centre where people are being treated for crypto addiction. Plus presenter Claer Barrett and Scott Chipolina discuss what different regulation would mean for crypto investors.
If you’ve been affected by a crypto or gambling addiction, reach out to GamCare for help.
Want more?
‘There needs to be a health warning’: How crypto trading can lead to addiction by Scott Chipolina and Oliver Barnes
Don’t treat crypto like gambling – even if it’s largely pointless by Helen Thomas
Our weekly Crypto newsletter, written by Scott, is designed to keep you informed and up to date on all the developments in this fast-moving space. This newsletter is for Premium subscribers, who can sign up here. To upgrade from Standard to Premium, click here.
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. He tells presenter Claer Barrett why this is his investment strategy and how he chooses stocks.
Want more?
My Isa has suffered - but I’m still a firm believer
‘I’m 22 and I earn more than my parents’
What should I do with my cash savings?
Click here for tickets to the Investor's Chronicle Future of Private Investing event on Thursday June 15 where you can hear John Lee, Claer Barrett and many others talking about the big stories in the world of investing.
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Former asset manager Stuart Kirk writes about investing for FT Weekend in a column where he shares both his investment successes and failures with readers. He tells host Claer Barrett what he’s investing in now, how he chooses stocks, why he isn’t keen on funds that follow a particular theme and what he thinks needs to change in the world of ESG or sustainable investing.
Want more?
Being honest about my portfolio’s performance
Active management is a sham — no wonder my returns are suspect
Sectors make sense for investors, not themes
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Brooke Masters, the FT's US financial editor, speaks to Anne Ackerley, managing director of the Retirement Group at BlackRock, one of the world’s largest investment companies. Anne spends her days thinking about how to make good retirement plans accessible to more people. Lately, that has included focusing on one particular problem: the differences between men and women when it comes to retirement planning. Anne tells Brooke about the challenges faced not just by women but also gig economy workers and others who have non-standard employment patterns.
If you would like to talk to the FT’s consumer editor Claer Barrett about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Follow Brooke Masters on Twitter @brookeamasters
Presented by Brooke Masters. Produced by Zach St Louis. The executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
With inflation running higher than the interest rates provided by most banks, cash accounts can rapidly lose value. What does that mean for emergency savings funds? Brooke Masters, the FT’s US financial editor, speaks to investing columnist Moira O'Neill, and Georgia Lee Hussey, founder of wealth management company Modernist Financial, about how much savings to have in cash and where to keep it - both in the UK and the US.
Want more?
Keep up with the latest from Brooke on FT.com and follow her on Twitter @brookeamasters
https://www.ft.com/brooke-masters?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74e
Check out Moira’a latest column here
For more from Georgia, check out the Modernist Financial website
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The Bank of England has lifted its main interest rate by a quarter of a percentage point to 4.5 per cent, the 12th consecutive rise since December 2021. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.
NB: This episode is a repeat of a Money Clinic that ran on March 28th this year, days after the last Bank of England rate rise.
Want more?
Read Claer’s column about mortgage rates here
Check out a related, previous episode of Money Clinic: Interest rates, bank crises and your money
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
It’s getting harder to keep up with the cost of essentials such as water, energy and internet. FT reporter Leah Quinn speaks to 26-year-old renter Conor, who explains what he has been paying over the past few months and which bills are starting to add up. Host Claer Barrett is on hand with tips and advice on everything from whether you should get a water metre installed to whether energy bills will go down later this year.
Useful links:
Find out if you’re entitled to the new government energy scheme
Money Saving Expert guide to council tax bands
Ofcom social tariffs and speeds
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Does sorting out your personal finances fill you with anxiety and trepidation? What can you learn from your money mistakes? Money Clinic host Claer Barrett, and Isabel Berwick, host of the FT’s work and careers podcast, Working It, answer listeners’ questions in this special episode, taken from a webinar made in conjunction with the FT’s financial literacy charity, FLIC.
Want more?
The first lesson for female financial education? Money is power
How to ask for a pay rise - and when to give one
Isa season this year is a stampede
Find out more about FLIC here
You can follow Claer on Twitter and Instagram @Claerb
Follow Isabel Berwick on LinkedIn
FT subscriber? Sign up for the weekly Working It newsletter with one click here. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. What do you like (or not)? What topics should we tackle? Email the team at [email protected] or Isabel directly at [email protected]
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help
Presented by Claer Barrett. Produced by Persis Love and Audrey Tinline. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How do you know if you need a financial adviser, how do you go about finding one and how do you know you’re getting value for money? Presenter Claer Barrett guides 22-year-old Laureen, who works for a bank, through the many forms of professional financial advice, and sources expert tips from Financial Times columnist Moira O’Neill and Sally Hickey, chief reporter at FT Adviser, our specialist publication for financial advisers.
Want more?
Clear’s latest column: The dash for cash savings is a new experience for many UK customers
Moira’s recent column: Isas: time to take cover from tax
Follow Sally @hickles and Moira @moiraoneill on Twitter. You can follow Claer on Twitter and Instagram @Claerb
If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Aligning our love lives and our financial lives is not always easy. Presenter Claer Barrett sources advice from Dr Nicola Sharp-Jeffs, founder of Surviving Economic Abuse, Tobi Asare from My Bump Pay, and Davinia Tomlinson, founder of Rainchq and author of Cash is Queen, on everything from talking about money in a relationship, the single tax, spotting the signs of financial abuse and planning for a baby.
This episode is taken from a recording of an event Claer hosted in partnership with FLIC, the FT’s financial literacy charity.
Want more?
Flying solo with your finances: managing money as a single person
Mind the gap! What women need to know about investing
Childcare in the UK: ‘Dysfunctional, unaffordable, inaccessible’
‘I was a victim of financial abuse’
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @Claerb. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Simran Kaur thinks the stock market is a lot more straightforward than it is made out to be. The 26-year-old is the founder of Girls That Invest, an investing community and podcast that she set up with her best friend Sonya Gupthan when they realised that, as women of colour, there were not many people who looked like them in the financial world.
Presenter Claer Barrett sources her tips on getting started as an investor, how to balance your portfolio and when to have a portfolio review.
Check out the Girls That Invest website here
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How does the global monetary system work and what should investors bear in mind about it? Professional investor Rob Dix had been investing for years before he set out to understand the mechanisms behind his money. Why do we have inflation? Why do central banks increase interest rates? Will this monetary system last? Dix shares his view on the financial world with presenter Claer Barrett, plus she asks what rules he follows with his own investments.
Rob Dix is author of The Price of Money: How to Prosper in a Financial World that’s Rigged Against You
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you can have a chance to win a pair of Bose QuietComfort Earbuds.
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The Bank of England raised its key base rate to 4.25 per cent last week, its highest level in 14 years. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.
Want more?
Read Claer’s latest column about mortgage rates here
Check out last week’s Money Clinic: Interest rates, bank crises and your money
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.
Clips: Bloomberg
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
What does a week of turmoil in the banking sector - with the collapse of California’s Silicon Valley Bank and the Swiss state-backed rescue of Credit Suisse - tell us about what central banks will do next with interest rates? And what does it all mean for your money and investments? Host Claer Barrett hears from Financial Times markets editor Katie Martin, and author of the FT’s Unhedged newsletter Ethan Wu.
Want more?
Are banks on the edge of another 2008-style precipice?
Central banks announce dollar liquidity measures to ease banking crisis
Banking turmoil intensifies the need for better Federal Reserve policymaking
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Clips: BBC, CNN, CNBC, Bloomberg TV, ABC News
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
What should you be thinking about for your finances when you are just about to enter the adult world? In today’s episode Claer Barrett meets four sixth-form students Demi, Patrick, Lucinda and Loisse-Lhana, who are trying to figure out how to manage their money as they get ready to leave school. Claer answers their questions about investing, saving and how to budget so that your earnings last the month.
Want more?
What They Don't Teach You About Money: Habits to Get You Unstuck and on the Road to Financial Freedom by Claer Barrett is in bookshops from March 16.
Got questions for Claer? Join the FT Live webinar on April 21 where she’ll be discussing her book.
Read Claer’s latest column The first lesson for female financial education? Money is power
Thanks to Cardinal Wiseman Catholic School, Cardinal Vaughan Memorial School and Nationwide Building Society.
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jake Fielding, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Divorce inquiries tend to peak in the first few months of a new year, so in this episode presenter Claer Barrett, the FT’s consumer editor, sources expert advice on how to manage your costs and finances through a legal separation. Listeners Jane and Tina recount their stories - and what they wished they had known at the start of the process - and Claer speaks to Brett Frankle from the law firm Withers as well as financial planner Tamsin Caine of Smart Divorce about how to ensure your finances survive a divorce.
Links to organisations mentioned in the episode:
https://www.judiciary.uk/family-justice-council/
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
It’s called the ‘cash stuffing’ or ‘cash envelope’ method: separating your money into different envelopes of cash to control your spending. Host Claer Barrett speaks to ‘cash stuffer’ Euphemia Senna, better known on TikTok as She’s On a Budget, about the pros and cons of budgeting this way (and the digital equivalent). She also goes inside the Bank of England, the UK’s central bank, to speak to its chief cashier Sarah John about why there are record levels of banknotes in circulation. Is there any evidence that people are turning their back on digital payments and that cash stuffing is on the rise amid the cost of living crisis?
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Former asset manager Stuart Kirk writes about investing for FT Weekend in a column where he shares both his investment successes and failures with readers. He tells host Claer Barrett what he’s investing in now, how he chooses stocks, why he isn’t keen on funds that follow a particular theme and what he thinks needs to change in the world of ESG or sustainable investing.
Want more?
Being honest about my portfolio’s performance https://www.ft.com/content/91e59c79-1275-49c3-986c-f1c6778ecfa5
Sectors make sense for investors, not themes https://www.ft.com/content/19a0a68f-c3fd-4267-96a7-f2698b38b19e
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Chris Pitt, chief executive of First Direct, the UK’s first ever telephone bank, tells presenter Claer Barrett why banks should be doing more to help customers through the cost of living crisis, and shares his own tips on saving and investing.
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort earbuds!
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The Bank of England has raised its key interest rate to 4 per cent, the highest level the UK has seen since the 2008 financial crisis. Presenter Claer Barrett is joined by Helen Saxon, deputy editor of Money Saving Expert, James Pickford, deputy editor of FT Money, and Katie Martin, the FT’s markets editor, to discuss how you can best navigate those higher rates with your savings, mortgages and investments.
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!
If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
One in six women in the UK has experienced financial abuse in a relationship. That’s according to charity Surviving Economic Abuse. Anyone can become a victim, as Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, found out. She tells presenter Claer Barrett about her experience of surviving an economically abusive relationship. Claer also hears from another victim, Francesca, and sources advice on recognising and escaping financial abuse from Dr Nicola Sharp-Jeffs OBE, founder and CEO of Surviving Economic Abuse
Useful links:
The Surviving Economic Abuse website is packed with useful resources, helplines you can call and information on what to do if you or someone you know is in a financially abusive relationship.
For domestic abuse, you can call the freephone National Domestic Abuse Helpline, run by Refuge on 0808 2000 247. If you are in immediate danger, please call the police on 999. For mental health support, you can speak to the Samaritans on 116 123.
We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Best of Money Clinic: Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments by Robin Powell and Jonathan Hollow is out now.
Want more?
Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de
Passive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809
We'd love to hear from you. What do you like (or not)? What topics should we tackle? Please help us by filling in our listener survey at ft.com/moneyclinicsurvey It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!*
Your personal information will be processed in accordance with the FT's privacy policy. If you have any queries about the survey please let us know at [email protected].
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Thirty-year-old Henrietta wants to start investing but has found herself lost in the small print of stocks and shares ISAs. How to choose the right one? Which fee structure is right for the amount she is investing? And should she go for passive or active investing? Presenter Claer Barrett is joined in the studio by FT personal finance and investing columnists Moira O’Neill and Jason Butler to discuss everything new investors need to know about opening a stocks and shares ISA.
Want more?
For more about passive vs active investing, listen to Money Clinic investment masterclass The cheapest way to invest
Still sorting out your new year’s finances? Check out Claer’s column Five financial new years resolutions for 2023
You can follow Moira @moironeill on Twitter, and check out her column Where to park a lump sum if you’ve got a bit of money you are looking to put somewhere.
Jason’s Twitter is @jbthewealthman, and his latest column Are you heading for a financial car crash? is available on FT.com
Money Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How to invest when you’re cash-strapped? What to do if you think your landlord is unfairly demanding more rent? Could moving out of the city save money? Host Claer Barrett and a panel of personal finance experts field questions at the ‘Young, Gifted and Broke: how to navigate the cost of living crisis’ event, organised by the FT Financial Literacy and Inclusion Campaign. With expert tips on renting, investing and budgeting from Margot de Broglie, founder of Your Juno app, Dan Wilson Craw, deputy director at Generation Rent, Timi Merriman-Johnson aka Mr MoneyJar, and Jason Butler, FT columnist and former financial advisor.
For more free money-mastering resources, check out FT Flic or watch the full recording back here.
Money Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The past 12 months have not been kind to investors — but will the going get rougher or smoother in the year ahead? Presenter Claer Barrett hears from three of the FT’s most experienced investment writers who pass on tips on how to handle volatility, what’s driving change in the markets and where they think the best opportunities could lie in 2023. With Rob Armstrong, the FT’s US financial correspondent and author of the Unhedged newsletter, Stuart Kirk, the FT’s new Skin in the Game columnist, and Rosie Carr, editor of Investors Chronicle.
Please note that Money Clinic is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you’ll need to find an independent financial advisor. If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
The new year is a perfect time to rethink and reorganise your financial affairs but where should you start? Host Claer Barrett is joined by Iona Bain of Young Money blog, financial educator Timi Merriman-Johnson, aka Mr Money Jar, and Sara Williams of the Debt Camel. They discuss their own new year’s resolutions, whether it’s worth overpaying on your mortgage as interest rates are set to rise, and why paying more into your pension could be a good idea. Plus, advice on how to keep to your new year’s financial goals.
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How does one of the UK’s most popular comedians handle his money and investments? In a repeat of one of Money Clinic’s most popular episodes, host Claer Barrett interviews Joe Lycett, the consumer campaigner and TV comedian. Joe shares his own personal money story - including his charity shop thrifting, ESG investments and money rules - and explains why he campaigns on consumer issues.
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb
You can follow Joe Lycett on Twitter and Instagram @JoeLycett and FT Money on Twitter @FTMoney
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
More than a million crypto investors around the world stand to be wiped out by the collapse of crypto exchange FTX. Presenter Claer Barrett is joined by Scott Chipolina, the FT’s digital assets correspondent, and Rob Armstrong, the FT’s US financial commentator, to discuss what the collapse means for the future of crypto. What should people still holding crypto investments do? Will crypto recover? What role should regulators play? And is there a way of keeping your crypto investments safe?
Want more?
Bahamas reels from FTX collapse: ‘Crypto was going to be our way out’
More from Scott Chipolina and the FT’s cryptofinance newsletter
More from from Rob Armstrong on crypto regulation: The SEC should not touch crypto
More from Rob Armstrong and his Unhedged newsletter
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Clips: BBC, CBS
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
With more than 10mn people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? This week presenter Claer Barrett revisits Money Clinic’s tax return guide from last year, with guests Jacquetta Brown, tax specialist at HMRC, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance. They discuss how much extra income you need to earn before you have to submit a return, how apps can make the whole process easier, and whether it pays to get an accountant. Plus, how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay.
If you would like to be a guest on the show, email the podcast team [email protected] or follow Claer on Twitter and Instagram @Claerb.
You can follow Deborah on Instagram @raisedup.finance
Want more?
For more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93
And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: https://www.ft.com/content/3462f359-8a1d-4a1e-9098-a14bded3f00d
To check out the HMRC YouTube channel, click here
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Thirty-year-old Brooke struggles with a shopping addiction and feels as if no one is taking it seriously. With thousands of dollars of credit card debt spent at thrift stores and bargain clothes sales, shopping is an obsession that leaves her both mentally and financially exhausted. Presenter Claer Barrett speaks to financial therapist Amanda Clayman, and addiction specialist Pamela Roberts about why people get addicted to shopping, and what they can do to break the cycle.
You can find Amanda Clayman through her website or follow her on Instagram. Pamela Roberts works for addiction and recovery hospital the Priory Group, and her personal website is here.
Pamela has recommended the following resources for anyone struggling with a shopping addiction:
Addiction Counselling Psychology Today
Spent: Break the Buying Obsession and Discover Your True Worth by Sally Palaian
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
UK chancellor Jeremy Hunt’s Autumn Budget Statement spelled out gloomy times ahead for the UK economy, but what does it mean for your money? Host Claer Barrett, the FT’s consumer editor, is joined by political editor George Parker and Chris Giles, economics editor, to discuss taxes, energy bills, mortgages rates and why this Budget will squeeze the finances of lower and middle earners. Plus, why were young people left out of the new Budget plans?
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Want more?
Votes for rents as Autumn Statement squeezes younger workers
Jeremy Hunt offers no jam today and none tomorrow
The FT’s quick guide to the autumn statement
A dismal outlook for the UK economy
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Should you overpay on your student loan to try and beat rising interest rates? Or are you better off putting your hard-earned salary towards other things? Presenter Claer Barrett hears from recent graduate James who is struggling with these very questions, and speaks to Ben Waltmann, research economist at the Institute for Fiscal Studies. Ben explains how student loan repayments work and what the statistics tell us about repayments. Plus, FT columnist and former financial adviser Jason Butler gives his view on how graduates should approach their loans as part of a long-term financial plan.
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Want more?
Student loans: should the bank of mum and dad step in?
Don’t raise more hurdles to university entrance
Economic distress lifts stigma of discussing money troubles
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jan Sigsworth, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Childcare in the UK is among the most expensive in the world, with parents spending an average of two thirds of their salary on nursery costs for children under two. Host Claer Barrett speaks to Joeli Brealey, author and founder of campaign group Pregnant then Screwed, about why the UK childcare system is in crisis. She also hears from Megan Jarvie, the head of Coram Family and Childcare, about how to navigate a complicated system of government support for families with young children. Plus, mother Jess tells Claer how unaffordable nursery costs pushed her out of full-time work..
Money Clinic is keen to hear from listeners. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Want more?
England’s childcare in crisis as costs rise and staff leave https://www.ft.com/content/f07886fa-becc-4491-88e0-dbfe2c07c225
What’s driving the rich world’s falling fertility? https://www.ft.com/content/2f90b924-3122-4548-85fa-4c5a775c2cae
Childcare: female-led social enterprises tackle dysfunctional system https://www.ft.com/content/d576fedd-6577-4c4c-98ac-f3c73fcf6346
Joeli Brearley and Pregnant then Screwed can be found at https://pregnantthenscrewed.com/
Further details on childcare options in Scotland, Wales and Northern Ireland, can be found here: https://www.familyandchildcaretrust.org/help-your-childcare-costs
To download the FT Edit app, click here https://apps.apple.com/app/apple-store/id1574510369?pt=246269&ct=FT-E-22Q4-HAD-AD-US-Anon&mt=8
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
How can you make the most of your savings at a time when inflation is eating into the value of your cash? Host Claer Barrett, the FT’s consumer editor, speaks to Iona Bain, personal finance writer and author, and Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, and sources, for practical advice about how to get the best interest rates on your savings and how to use savings to achieve your financial goals. Plus, should you use your cash savings to overpay your mortgage?
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.
Iona Bain can be found at https://www.youngmoneyblog.co.uk/
Sarah Coles is on Twitter @sarahecoles
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Pension funds have been the focus of some worrying news over the past few weeks. But don’t panic! Money Clinic host Claer Barrett is joined by the FT’s global pensions correspondent, Josephine Cumbo, and chartered financial planner David Hearne to explain what’s going on, and to offer some reassurance. Whatever type of retirement fund you have, this episode is packed with information to help you understand your pension better.
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.
How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments by Robin Powell and Jonathan Hollow is out now.
Want more?
Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de
Passive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
When former banker Emilie Bellet discovered that an average woman in her twenties would have to work 37 years longer than her male counterparts to accumulate the same pension wealth, she thought it was time to do something about it.
She launched Vestpod seven years ago with the ambition of empowering 1mn women financially. In this Money Clinic Investment Masterclass, Emilie talks to host Claer Barrett, the FT’s consumer editor, about how to get started investing, when to start saving for a pension and why some of the myths around women investors are just that.
Vestpod is focused on women, but the episode is packed with useful tips for all budding savers and investors.
You can listen to Emilie’s podcast, The Wallet, here: https://podcasts.apple.com/gb/podcast/the-wallet/id1520695849
And follow her on Instagram here: https://www.instagram.com/vestpod/
And if you’re interested in becoming a member of the Vestpod community, check out the website: https://www.vestpod.com/
For tips and strategies for investing during market volatility, listen to our previous Money Clinic episode: https://www.ft.com/content/fb93bdbe-957f-4e50-97f5-840d800ddbeb
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Read a transcript of this episode on FT.com
Hosted on Acast. See acast.com/privacy for more information.
What does this mortgage tumult mean for individuals? Will borrowers be able to remortgage? How high could rates go? Will there be a property crash? In this special episode of Money Clinic, host Claer Barrett, the FT’s consumer affairs editor, puts listeners’ and readers’ questions to Andrew Montlake, managing director of mortgage broker Coreco, and James Pickford, deputy editor of FT Money.
Please note: This is an updated, corrected edition of an earlier version of the podcast which contained incorrect figures on the interest rate mechanism for Help To Buy properties.
Want more? Check out our online mortgage Q&A: https://www.ft.com/content/6dd96b0e-6b39-492e-9040-4f4b4d247a84
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
You can find Andrew Montlake on Twitter, @montysblog, and James Pickford @MrJamesPickford
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
UK Chancellor Kwasi Kwarteng’s mini-budget includes what he claims are the biggest tax cuts in a generation. He’s hailing it as a new era for the UK economy and a way of kick starting growth, but what does this mini-budget mean for your wallet? Who gains and who loses out? Host Claer Barret unpicks the details with George Parker, the FT’s political editor, and Mary McDougall, the FT’s acting tax correspondent.
Want more?
A mini-budget for those on maxi incomes https://www.ft.com/content/cdbf7a95-8ddf-48df-a9fc-8e40100caac7
Traders bet on emergency UK interest rate rise https://www.ft.com/content/c7f815b6-e7f2-43d2-b160-b7b3182e63b4
Kwarteng’s ideological approach will leave the Treasury with ‘no money’ https://www.ft.com/content/53709418-7ed6-4b10-b6b0-b2e2d5b77683
Kwasi Kwarteng vows to stick with tax cuts despite investor jitters https://www.ft.com/content/5b9d1f87-dc78-4626-bb08-507561c6176a
Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
How much does the way you cook your meals affect how much you are spending? Host Claer Barrett speaks to Suzanne Mulholland, aka The Batch Lady, about how batch cooking can save both time and money. Plus, Archie Lasseter, sustainability lead at energy company Utilita, reveals which kitchen appliances are the most energy- and cost-efficient. How much could switching from oven cooking to an air fryer save?
You can find The Batch Lady and many of her recipes on instagram @thebatchlady or on her website https://thebatchlady.com/
Don’t forget to check out last week’s episode about how to keep the cost of your food shop down: https://www.ft.com/content/6dc26bb8-55a1-4176-ba15-58cddf73bda0
And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.
Follow Laura Gaga on instagram @reduction_raider1
And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Forget about being a day trader, you need to let the money come in slowly and take a serious, business-like approach if you want to succeed - that’s the advice of Robbie Burns, better known as the Naked Trader. In this repeat of a popular Money Clinic Investment Masterclass from last year, Robbie gives host Claer Barrett his top tips about trading, still relevant now amid uncertain financial and economic times.
Want more?
Here is Robbie’s Naked Trader site
Listen to our previous episode about the advantages of tax free Isas
If you want to get started in investing, listen to this episode
Claer’s free-to-read column about day trading
Presented by Claer Barrett. Produced by Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
How to match your money to your relationship status. Nearly one in four of us live on our own, but dealing with the financial and emotional strain of handling everything by yourself can be difficult. Jenny, 27, from Leeds, is being hit by the ‘single penalty’ and is exhausted trying to find everyday ways to save money. She’s looking for tips on investing in the stock market, whether to try to buy or stay renting and how to ease the worries that come with financial independence. In this Money Clinic episode, Claer is joined by ‘Alonement’ guru Francesca Specter who champions the single life and Iona Bain, a personal finance author and founder of the Young Money blog. Follow them on social media @ClaerB @chezspecter @ionajbain
Further reading:
Here is Francesca Specter’s Alonement site: https://www.alonement.com/
Iona Bain’s Young Money blog: https://www.youngmoneyblog.co.uk/
Listen to our previous episode about budgeting: https://www.ft.com/content/962982cf-8d63-4d01-bcf1-8304983e8e05
If you want to get started in investing, listen to this episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1
A free-to-read column about the costs of dating: https://www.ft.com/content/222445d5-ba61-4161-a900-ed2b7d74dab2
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
We know that investing in crypto is a popular topic with Money Clinic listeners, so we thought you might like to hear the first episode in the new season of the FT's Tech Tonic podcast.A Sceptic's Guide to Crypto asks whether crypto and its supporting technology - the blockchain - have a future following a market crash. In the first episode of this five-part series, FT columnist and host Jemima Kelly casts a sceptical eye on what led to the boom in digital assets and their subsequent collapse. She assesses the damage with the FT’s digital assets correspondent Scott Chipolina (whose voice you'll recognise from Money Clinic's last episode about crypto) and hears from big-time bitcoin investor Michael Saylor, Dogecoin co-creator Jackson Palmer, and crypto YouTuber, Wajahat Mughal.
Want to hear more? Subscribe to Tech Tonic here: https://link.chtbl.com/rzVNVcs_?sid=Ep1
Check out stories and up-to-the-minute news from the FT’s technology team at ft.com/technology
The FT’s Cryptofinance Hub is at https://www.ft.com/cryptofinance
Scott Chipolina’s reporting can be found at https://www.ft.com/scott-chipolina
For a special discounted FT subscription go to https://www.ft.com/techtonicsale
Tech Tonic is presented by Jemima Kelly. Special thanks to Scott Chipolina. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley. News clips credits: CNBC, Saturday Night Live
Hosted on Acast. See acast.com/privacy for more information.
Listen and subscribe to Tech Tonic here.
Even after the crypto markets crashed this year, there are still a number of people who believe there’s a future for digital assets and blockchain technology. FT columnist and avowed crypto sceptic, Jemima Kelly, isn’t so sure. On this season’s Tech Tonic, she takes a trip deep into cryptoland to hear from critics, converts and hardcore believers to find out whether crypto technology has a future.
Check out stories and up-to-the-minute news from the Technology team at ft.com/technology
Presented by Jemima Kelly. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley.
Hosted on Acast. See acast.com/privacy for more information.
Are you working to live, or living to work? Followers of the FIRE movement (Financial Independence Retire Early) budget carefully so they can invest a greater proportion of their take-home pay. Is a life of extreme frugality worth the extra years of financial freedom later on - and how could you apply the principles of FIRE to your own finances?
This week, Claer helps listeners Amy and Rory on their FIRE journey, with expert tips from Mr Money Mustache, AKA the US blogger Pete Adeney, and Kristian Danielson, the person behind the r/FIREUK subreddit.
Money Clinic is presented by Claer Barrett and produced by Persis Love. Manuela Saragosa is the executive producer and the sound engineer is Breen Turner. The original music is by Metaphor Music.
Further reading:
Mr Money Mustache’s blog: https://www.mrmoneymustache.com/
You can get involved in the FIREUK subreddit here: https://www.reddit.com/r/FIREUK/
If you want to get started in investing, listen to our previous episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1&nd=1
Claer’s free-to-read column about the problems with FIRE is here: https://www.ft.com/content/f4283596-c967-11e9-a1f4-3669401ba76f
And her column about active vs. passive funds is here: https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Increasing rents, bidding wars and queues to view properties – for 28-year-old Will, finding a place to live is proving very difficult. He moved out of his last flat because the landlord increased the rent, and has just two months to find his next place. Greg Tsuman, president-elect of Propertymark, a trade body for UK estate agents, offers insider tips on how prospective tenants can get ahead of the competition. He also explains why rental properties are in such low supply at the moment. Plus, presenter Claer Barrett gets a rundown of renters’ rights from Shelter policy manager Ruth Ehrlich – when can your landlord increase your rent and what can you do if you are served an eviction notice?
To listen to our previous episode about why it pays to check your credit score, click here: https://www.ft.com/content/3fb08997-b49f-4e14-b283-9abd1a648b1f
And here’s a free to read link for Claer’s FT column “Why should I let my landlord spy on my finances?” https://on.ft.com/3c1cq6f
And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Do you ever long for an extended period of time off? Maybe you’d travel the world, try out a new career, or just put your feet up for some proper R&R. While the prospect of taking six months off work to do something completely different may well appeal to you, could you afford to do so?
Thirty-four-year-old podcast listener Ali has reached a crossroads in her career and is keen to plan some time off. Presenter Claer Barrett speaks to Isabel Berwick, the host of the FT’s Working It podcast, on the career implications of taking a sabbatical - both good and bad. Plus, financial planner Joanna Little, chief executive of Emery Little, talks listeners through how to prepare for six months without an income - and what flexibility could be on offer.
If you would like to be a guest on the podcast, email the team [email protected] or send Claer a DM on social media - she’s @ClaerB
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
The cost of living is rising at its fastest pace for 40 years, and economists warn prices will increase further this autumn — with some fearing annual inflation could hit 15 per cent.
On this week’s episode, presenter Claer Barrett hears how the soaring cost of fuel, energy bills and food is causing podcast listeners to cut back in other areas in order to balance their budgets. Chris Giles, the FT’s economics editor, explains what’s causing the price rises and why this in turn is pushing up interest rates — and how effective this might be in getting inflation under control.
Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, notes how all of these pressures are being reflected on world stock markets, as well as looking at strategies people are taking with cash savings and mortgages on their homes.
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.
Follow Chris Giles on Twitter @ChrisGiles_
Follow Sarah Coles on Twitter @SaraheColes
To listen to our previous episode “How to get a pay rise” https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
There’ve been thousands of flight cancellations and scenes of chaos at UK airports, so this Money Clinic episode is packed with advice about your consumer rights if your travel plans go wrong. Host Claer Barrett, the FT’s consumer editor, hears from listeners battling to get their money back from airlines and third-party booking sites, including one listener who was forced to wear her husband’s underpants after her suitcase went missing! Can she help them obtain compensation - and track down the missing suitcase? Claer sources tips about air passenger rights, travel insurance and Covid cancellation cover from veteran travel journalist Simon Calder, and Harry Kind, a Which? consumer expert.
Want more?
Claer’s latest FT column is packed with more tips for travellers, including how to get the best deal on holiday currency: https://www.ft.com/content/0044cce2-d9e3-4599-9615-5c2546830071
Simon Calder hosts an Instagram Live on his account @Simon_Calder answering travel questions every Saturday and Sunday at 3.30pm UK time, and also has his own travel podcast - You Should Have Been There.
If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Record numbers of people are falling victim to online fraud attempts, but there are no guarantees that your bank will refund the lost money. Thirty-one-year-old Jenny was distraught when fraudsters impersonating her bank made off with her life savings of £17,000. Money Clinic helped her to take her case to the UK’s Financial Ombudsman, and in this episode host Claer Barrett explains how listeners could use the free ombudsman service to obtain compensation themselves. Plus Pat Hurley, the lead ombudsman at the Financial Ombudsman service, and Katy Worobec, managing director of economic crime at the banking trade body UK Finance, pass on valuable fraud prevention tips.
Want more?
Claer’s column on record online fraud in the UK: https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1a
How to make a claim using the Financial Ombudsman service: https://www.financial-ombudsman.org.uk/
To stay on top of the latest scams being reported: https://www.actionfraud.police.uk/
If you would like to appear as a future guest on Money Clinic podcast, email the team via [email protected] or send Claer a message on Instagram, Twitter or TikTok - she’s @Claerb
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Would you fall for a £17,000 scam? You might think you are too smart, but criminals keep coming up with frighteningly convincing ways of parting us from our hard-earned cash. Figures released last week showed that online fraud hit a new record in 2021, with under-35s increasingly the target of ‘impersonation scams’. Fewer than half of those tricked into transferring cash to criminals ever get their money back from their bank. Victims include 31-year-old Money Clinic listener Jenny. In this repeat episode, she tells presenter Claer Barrett about how professional scammers conned her out of £17,000 in April 2021 after she clicked on a text message — and the compensation battle she’s been fighting since then. Bank fraud expert Steven McMillan provides practical advice on how to spot scams and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim. Next week, we will reveal what happened when Claer helped Jenny to take her case to the financial ombudsman.
For more on the online fraud ‘epidemic’ in the UK:
https://www.ft.com/content/df5c61b1-3430-45c3-976a-3af8789a2dae
Claer’s column on record online fraud in the UK:
https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1a
To learn more about making a claim using the Financial Ombudsman service:
https://www.financial-ombudsman.org.uk/
To stay on top of the latest scams being reported:
https://www.actionfraud.police.uk/
If you would like to appear as a future guest on Money Clinic podcast, email the team via [email protected] or send Claer a message on Instagram, Twitter or TikTok - she’s @Claerb
Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Most people know that you need a good credit score to be able to borrow money, but how to start building one up is a bit of a mystery. Money Clinic listener Emma, 22, has never been in debt before, apart from her student loans. However, she has heard that getting a credit card could increase her chances of being able to take out a mortgage in the future. Before she applies for one, what does she need to consider? Plus, if your credit score isn’t great, how can you improve it and why is this worth doing? Claer Barrett, Money Clinic presenter and the FT’s consumer editor, scrutinises Emma’s credit score, with help from Katie Watts, a consumer expert at moneysavingexpert.com and debt adviser Sara Williams, who runs a blog called The Debt Camel (@debtcamel on Twitter and Instagram). Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly.
Want more?
This free-to-read FT article How to Improve Your Credit Score includes lots more tips and pointers:
https://www.ft.com/content/24b2df98-2bae-11e9-9222-7024d72222bc
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Global stock markets have suffered their biggest weekly drop since the start of the pandemic, and cryptocurrencies have crashed. As younger investors struggle to absorb the losses, they also have the rising cost of living to contend with. This week, Money Clinic host Claer Barrett speaks to Ashley, a 28-year-old investor who has lost thousands of pounds, about how he’s weathering the financial storm, and two of the FT’s top investment brains unpick exactly what has been happening in world markets and where things could go from here. Katie Martin, the FT’s markets editor, and Robert Armstrong, the FT’s US financial commentator and author of the Unhedged newsletter, have plenty of ideas for new investors thinking about their next move.
Want more?
Claer’s most recent FT column offers pointers to young investors:
https://www.ft.com/content/83aa143b-1f84-48e9-a6f7-6c21deef278d
The financial advice that older FT readers would pass down to younger investors:
https://www.ft.com/content/1d71cdc1-5a7d-464a-9d82-bbf7b29a4656
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
Who taught you the most about money — your dad, your mum or the internet? Traditionally, parents had the biggest influence on how people managed money in their adult lives. But all that is changing. In an unofficial Money Clinic poll ahead of Father’s Day this Sunday, while 20 per cent of listeners said their dads had been the strongest financial influence in their lives, the vast majority (71 per cent) said it was the internet, raising important questions about the role of online influencers and the lack of financial education in schools. Presenter Claer Barrett discusses with Aimée Allam, director of the FT’s Financial Literacy and Inclusion Campaign (FLIC), and millennial financial educators Andreea Ion and Jamie Galvin, who run the Stocks and Savings pages on Instagram and TikTok.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.
To follow Andreea and Jamie on social media, look for @stocksandsavings
To learn more about FLIC, and read lots of free FT articles about financial literacy, visit www.ft.com/flic
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music
Hosted on Acast. See acast.com/privacy for more information.
As the cost of living rises, securing a pay rise is likely to be the top item on your financial to-do list. So how can you maximise your chances of getting one? This week on Money Clinic, we’ve joined forces with the FT’s Working It podcast to return to one of our most popular episodes: “How to ask for a pay rise - and get one!” Back in November, podcast listener Max told presenters Claer Barrett and Isabel Berwick about how he hoped to negotiate a raise with his current employer after being approached by headhunters offering more money elsewhere. In this special episode, Max tells us what happened next, and whether the experts’ advice paid off. Plus, Isabel explores what managers can do to help their teams asking for higher pay, especially if there is no budget for it. This episode will help you gather the tools and tips you need – and also tell you what not to do.
Want more?
Listen again to the advice from Claer, Isabel and Jonathan Black, the FT’s “Dear Jonathan” careers agony uncle, on the Money Clinic podcast from November https://www.ft.com/content/04b1176f-b6c8-4488-971b-9ded3358a324
Two FT features by a behavioural economist on how to craft a case for a pay rise and how to use storytelling to make your argument https://www.ft.com/content/09ce507b-914a-4988-9a56-cf5181e1678d
https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c
How to ask for a raise: HBR tips and video https://hbr.org/2021/11/christine-vs-work-how-to-ask-for-a-raise
FT subscriber? Sign up for the weekly Working It newsletter. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. One-click sign up at www.ft.com/newsletters
We love to hear from you. What do you like (or not)? What topics should we tackle? Email the team at [email protected] or Isabel directly at [email protected]. Follow @isabelberwick on Twitter. Subscribe to Working It wherever you get your podcasts — please listen, rate and subscribe!
Presented by Isabel Berwick. Editorial direction from Renée Kaplan and Manuela Saragosa. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.
Hosted on Acast. See acast.com/privacy for more information.
Introducing Behind the Money. This is part 1 of 2 in a mini-series on crypto. Part 2 is available now here: https://link.chtbl.com/BTMMC
First up, we're wondering: is a crypto vibe shift underway? Bitcoin’s price has been dropping for weeks and earlier this month, a popular stablecoin collapsed. FT reporter Ethan Wu explains how the effects of that rippled into other areas of the crypto universe. Michela and Ethan will talk about what stablecoins are and why they matter — even for people who aren’t crypto investors.
Hosted on Acast. See acast.com/privacy for more information.
Rishi Sunak has just unveiled a £15bn support package to help households as the average UK energy bill is predicted to hit £2,800 a year. Even with the chancellor’s help, plenty of people will still be feeling the pinch - but this episode is packed with practical tips and advice to help you save on your energy bills.
Presenter Claer Barrett hears from Bella who is renting a draughty Victorian flat, and wants to know her rights before she tackles her landlord. Homeowner Sam has seen his bills skyrocket, and wonders if insulating his property would be a wise investment. On hand with tips for Bella and Sam are Gemma Hatvani, founder of the Facebook group, Energy Support and Advice UK, and Brian Horne, a senior advisor at the Energy Saving Trust.
If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media - she’s @ClaerB on Twitter, Instagram and TikTok.
To read a free FT.com article about how the new energy help measures will work, click here: https://on.ft.com/3lQlGPz
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
This month’s crash in the value of cryptocurrencies has wiped out investments for people all over the world. In Bangalore, 29-year-old Subbaiah watched in horror as his $7,000 crypto holdings in luna and terra collapsed. Even investors holding other cryptocurrencies as part of a diversified portfolio are feeling the sting.
Scott Chipolina, the FT’s digital assets correspondent, and Ilan Solot, a partner at crypto group Tagus Capital, discuss what the future could hold for crypto as an asset class, what more could be done to protect consumers — and the steps investors can take to protect themselves.
If you’ve lost money in the crash and need to talk to someone, here’s a link to the Reddit thread containing all of the national helplines you could turn to for support: https://www.reddit.com/r/terraluna/comments/un57df/for_everyone_panicking_here_are_some_national/
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
If you hated maths at school, does it follow that you’ll be bad at managing money as an adult? Money Clinic host Claer Barrett hears from Jade, a 21-year-old self-employed graduate, who says even thinking about numbers makes her feel anxious, bringing back memories of not knowing the answer in school maths lessons. In her adult life, it’s affecting Jade’s ability to manage her finances, particularly as the cost of living rises. But Jade’s problem is far from uncommon — half of working-age adults in the UK have the numeracy skills expected of a child at primary school – and ahead of National Numeracy Day on Wednesday May 18, Money Clinic hears from a trio of experts on how to improve your numeracy skills. They are Bobby Seagull, the TV personality and Britain’s most famous maths teacher, Mr MoneyJar, aka Timi Merriman-Johnson, and Suzanne Dale, who teaches adult numeracy in the workplace.
To take the 10-minute National Numeracy Challenge and download many other free resources, visit the National Numeracy website: https://www.nationalnumeracy.org.uk/challenge/
Got a money issue that you’d like to talk to us about? Please email the team via [email protected] or send Claer a DM on social media - she’s @ClaerB
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
A year ago, 24-year-old Evvia, a full-time care assistant in Norwich, started a vintage knitwear business from her bedroom. Today, her Loupy Studio label has more than 40,000 followers on Instagram, and she’s receiving orders from all over the world. Evvia’s creations are in such hot demand she’s going to have to scale back her hours at her day job — but she wonders how this might knit together financially.
Money Clinic host and FT consumer editor Claer Barrett gets advice from Jo Ellison, editor of the FT’s How to Spend It, about whether Evvia should increase her prices, and the financial challenges facing young designers. Plus, chartered accountant Deborah Edwards from Raised Up Finance unravels important questions about tax, different company structures and how entrepreneurs like Evvia can develop a growth mindset for their businesses.
To listen, click on the link above, or search for Money Clinic wherever you get your podcasts.
If you would like to be a future guest on the show, please email [email protected] or follow Claer on social media @ClaerB
Check out last season’s episode about side hustles here and here
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Buying your first home is one of the biggest financial decisions you’ll ever have to make, so how can you prepare for it? On the Money Clinic podcast this week, presenter Claer Barrett meets a couple — 29-year-old Alex and her partner 31-year-old Sarah — who are midway through their property buying journey. They have lots of questions: Did they get the right kind of mortgage? Should they prepare for unexpected costs? And what other financial questions should they consider before signing on the dotted line? Claer sources advice from Daniel Knott, the mortgage broker who posts as @DanDoesMortgages on Instagram, as well as Jo Little, who runs chartered financial planning firm Emery Little.
If you would like to be a guest on a future episode, you can email the team at [email protected] or drop @ClaerB a DM on Twitter, Instagram or TikTok.
Follow Dan on social media @DanDoesMortgages
You can read Jo Little’s blog here: https://emerylittle.com/author/joannalittle/
This free to read FT article goes into more detail about the legal aspects of joint property ownership: https://www.ft.com/content/f321264f-bb8e-472b-9f95-a4bd26b6d89b
This will help you find out how much you might have to pay in stamp duty: https://www.which.co.uk/money/mortgages-and-property/home-movers/stamp-duty/stamp-duty-calculator-ar7uu5s1fycx
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
How financially compatible are you as a couple? On Money Clinic podcast this week, presenter Claer Barrett meets newly-weds Sahil and Priya, who have very different attitudes to money.
Sahil is a spender and a high-risk investor. Priya is a diehard saver who finds it hard to enjoy spending her hard-earned cash. The couple want to iron out their financial differences, but confess that conversations about money often end in arguments or nagging.
Financial psychotherapist Vicky Reynal examines the roots of the couple’s attitudes to money and suggests how they could move forward. Ken Okoroafor, money expert and co-founder of The Humble Penny website, advises how couples can communicate and work towards shared financial goals.
If you have a money question you’d like to see tackled on the show, email [email protected] or send Claer a DM on social media - she’s @Claerb on Instagram, Twitter and TikTok.
Follow Ken on Instagram https://instagram.com/thehumblepenny and visit his website at https://thehumblepenny.com. Find Vicky here: https://www.reynal-psychotherapist.co.uk/
And for more ideas, check out Claer’s free to read FT column: Six ways to manage money - and not fall out with your partner: https://on.ft.com/35qQJZd
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Record inflation! Soaring energy prices! Tax rises! Those are the gloomy economic and financial headlines, but three-quarters of the readers who answered an FT poll said they expected their bonus to be bigger, or substantially bigger, than last year’s.
If you’re lucky enough to be one of those people, this episode is for you, because the squeeze on living standards and turbulent world markets mean it’s even more important to use your bonus wisely.
Claer is joined in the FT studio by three experts, FT columnist and former investment banker James Max, Nimesh Shah, chief executive of tax specialists Blick Rothenberg, and Susannah Streeter, senior investment and markets analyst at Hargreaves Landsdown. The three of them give their views on the comments from the FT readers who bravely bared their financial souls to tell us whether they intended to spend, save or invest their bonus.
If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb.
Read the results of Claer’s bonus season survey here: https://www.ft.com/content/4deb9688-5c35-4d4b-a364-a43e0d000995
James Max on how to get a bigger bonus: https://www.ft.com/content/aacbd190-535c-47dc-8046-b9ea31415aca
Want advice getting a pay rise? Listen to this episode of Money Clinic: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
Hosted on Acast. See acast.com/privacy for more information.
Why does the crew of the world’s biggest rock band have its own financial literacy programme? Well, life in the music industry is rife with financial instability - workers are often on short-term contracts, missing out on employee benefits such as pension savings and health insurance. A tour can stop at the drop of a hat - when a rockstar breaks their leg, or a pandemic hits - and workers are left without any income.
That's why, when the retirement planning nonprofit, Alliance for Lifetime Income, became the Stones tour's latest sponsor, production manager Dale Skjerseth came up with an idea for helping the younger roadies manage their money better.
This episode is packed with financial tips for budgeting and long-term saving, especially for gig and short-term contract workers. Featuring Stones roadies Nick and Dale, and Alliance for Lifetime Income chief executive Jean Statler.
If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb.
Check out Claer’s column ‘The mere thought of retirement stresses me out’ https://www.ft.com/content/d44f0e55-5726-47f3-af31-bfc49aae0e16
And her free to read retirement planning guide for readers of all ages - How Covid-19 rebooted retirement: https://www.ft.com/content/2984f010-3496-4859-875d-deb23edcd2baC
If you’re in the US, you can access loads of information about saving for retirement on the website of the Alliance for Lifetime Income - https://www.protectedincome.org/
You can also delve into the Money Clinic back catalogue. Our previous episodes include getting started in investing: https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4
Sorting out your pension: https://www.ft.com/content/99d962b7-dd15-4a7c-a3c8-40ba883ea1be
And financial tips for the self employed: https://www.ft.com/content/9889e9c6-1168-4a5d-b5a6-8ab84ea36c92
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Ashley dreams of owning his own home, but is well aware that the cash he is saving for a deposit is at the mercy of rising inflation. Would he be better off investing his money in his pension, in stocks and shares, or should he stay focused on getting on the property ladder?
Expert guests Paul Johnson, director of the Institute for Fiscal Studies, and Jason Butler, financial guru and FT columnist, have lots to say about the challenges facing younger investors, and offer tips for devising a long-term financial strategy.
If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb.
To read Claer’s FT column about how 20-somethings are being forced to choose between targeting property or pensions, click on this link: https://www.ft.com/content/2815d35d-2297-4712-a4c5-0178de343eb1
To hear Claer chatting to Paul Johnson in-depth about the pensions challenges facing young people on the IFS podcast, click here: https://ifs.org.uk/podcast/should-people-be-saving-more-for-retirement
To listen to our previous episode ‘How to get a pay rise’, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d
You may also be interested to hear our previous episode about using the Lifetime Isa or Help to Buy Isa to save up for a property: https://www.ft.com/content/bf08da37-7901-4446-811b-ceef108824b4
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
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With so many investing options out there, getting the right balance for your portfolio can be difficult. So this week presenter Claer Barrett has invited two listeners in for a portfolio makeover. Thirty-seven-year-old James holds UK-focused equities in his stocks and shares Isa. He was doing well, but market movements and rising inflation have made him think he might need to diversify. Thirty-four-year-old Gillian has taken a different approach, investing as much as she can into her company pension. However, she hasn’t paid much attention to what her pension is actually invested in.
Investment experts Rosie Carr, editor of the Investors Chronicle, and Russ Mould, investment director at AJ Bell, give their views on how James and Gillian can get the best out of their investments. Tips include how investors can manage the threat of rising inflation, different ways of approaching asset allocation and building a diversified portfolio.
If you want to hear more about how to get started on your investment journey, try this episode of Money Clinic: https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4
Want to talk to Claer on the show? Email [email protected] or drop her a line on Instagram @Claerb
Finally, Money Clinic is a general discussion about investment topics, and does not constitute an investment recommendation or individual financial advice. Your capital is at risk when you invest.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
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Investors traditionally turn to gold as a ‘haven investment’ during volatile times so it will come as no surprise that Russia’s invasion of Ukraine, as well as rising global inflation, have caused a jump in its price. But there are many ways to invest in gold and in this episode, presenter Claer Barrett, the FT’s consumer editor, visits the vault of a gold shop in Mayfair and speaks to FT columnist Merryn Somerset Webb about what role gold can play in an investment portfolio.
Read Merryn’s column at https://www.ft.com/merryn-somerset-webb
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
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Next month has been dubbed ‘Awful April’ as the cost of pretty much everything is going up — but is your budget ready to withstand the strain? 22-year-old podcast listener Lil is worried about how she’ll cope with higher energy bills, rising rent and bigger food bills at the supermarket — not to mention National Insurance increases and changes to her student loan repayments. She’s already pretty thrifty — so can presenter Claer Barrett come up with more ways that Lil could stretch her money further?
Charlotte Jessop, founder of the website Looking After Your Pennies, explains easy ways everyone can get to grips with budgeting and saving money, as well as ideas for boosting your income. Plus, Claer visits the home of Miguel Barclay, better known on Instagram as the £1 chef, to see what budgeting tips he’s been cooking up in his latest book.
You can follow all of the podcast experts on Instagram: @Claerb, @lookingafteryourpennies, @miguelbarclay
To make the fried rice recipe Miguel cooked up for Claer, click here: https://www.youtube.com/watch?v=JT2bzS-vnF4
Here’s the link to claim tax relief worth up to £125 if you’ve worked from home in the UK: https://www.gov.uk/tax-relief-for-employees/working-at-home
To listen to our previous episode How to get a payrise, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d
Charlotte’s recommended websites that offer small payments for completing consumer surveys include YouGov, Prolific and UserTesting.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
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From the highs and lows of crypto, to weathering the cost of living crisis, to your financial compatibility with your partner - Money Clinic is here to help you feel more in control of your finances.
New episodes every Tuesday from March 15.
Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.
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REPEAT: This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.
Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job. With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss.
Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fx
Check out the Dear Jonathan column: https://www.ft.com/dear-jonathan
Plus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c
Want to be a future guest? Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB.
Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
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With nearly 11m people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? In this bonus episode of Money Clinic, we answer all of the questions about tax returns that you wanted to ask. With more people starting side-hustles and small businesses during the pandemic, how much extra income do you need to earn before you have to submit a return?
Presenter Claer Barrett discusses how apps can make the whole process easier, and whether it pays to get an accountant. Plus, she explores how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay. Jacquetta Brown, tax specialist at HM Revenue & Customs, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance, are on hand to demystify the jargon and pinpoint sources of help.
If you would like to be a guest on the next season of the show, email the podcast team [email protected] or follow Claer on Twitter and Instagram @Claerb.
You can follow Deborah on Instagram @raisedup.finance
Further reading:
To find out more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93
And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: Financial Tips for the self-employed https://www.ft.com/content/3462f359-8a1d-4a1e-9098- a14bded3f00d
To claim the working from home allowance, follow this link to the Gov.uk website: https://www.gov.uk/tax-relief-for-employees/working-at-home
To check out the HMRC YouTube channel, click here https://www.youtube.com/user/HMRCgovuk/playlists
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When Lucy Kellaway left the Financial Times and retrained as an economics teacher, she could not have predicted how the cryptocurrency craze would sweep through British classrooms. But is there anything on the school curriculum to teach teens about the risks of unregulated investments, or even basic financial literacy? Lucy thinks not.
The FT’s Financial Literacy and Inclusion Campaign — FLIC for short — is hoping to change all that.
In this special Christmas edition of the Money Clinic podcast, presenter Claer Barrett hears why Lucy and other top FT writers are supporting a greater focus on teaching finance in schools, as they recall their own formative experiences with money.Taking listeners on a tour of the FT’s City of London office, she hears from Patrick Jenkins, the FT’s deputy editor and trustee of the charity, who shares financial mistakes he made as a teenager in the 1980s, and US managing editor Peter Spiegel who explains why he thinks there’s a specific culture around money in the US.
If you would like to read more about FLIC’s charitable aims, or to make a donation to support the charity’s work, please visit www.ftflic.com
You can follow FLIC on Twitter and Instagram @FT_Flic
There are dozens of free-to-read articles about financial literacy here https://www.ft.com/ft-seasonal-appeal
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REPEAT: 2021, like 2020, was another turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some “financial resolutions”.The guests on Money Clinic are millennial couple Toby and Siobhan and they’re looking for some timeless “fin-spiration” to get their money to work harder. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash. How much could they save if they overpaid their mortgage — and how would that compare to putting more into their pensions or other investments. There’s also one financial to-do that they’re been putting off for a long time — making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide expert tips.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
You can follow Ken Okoroafor on Twitter and Instagram @TheHumblePenny
If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more by clicking on this link: https://www.ft.com/content/8a09fc2d-4c25-4d81-8835-a5517c6cb3d3
And here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a “digital will” online. Read this FT Money piece to find out how: https://www.ft.com/content/4df16e49-940f-46f2-b0b4-6a82c011c3ba
And for a more general grounding in the topic, read this FT article - 10 things you need to know before making a will: https://www.ft.com/content/c5559861-6c19-4fdb-a652-4059cf5e6bd0
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REPEAT: Claer explores how young people can use the popular tax-free Isa accounts to invest or buy their first property. This week, she meets Ryan, a 22-year-old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds.
Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
If you’re new to investing, listen to this past Money Clinic episode on starting out https://www.ft.com/content/caedf0b3-4052-430c-99b4-107ea093d3fc
If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aec
Harleigh Reid also hosts her own YouTube site: https://www.youtube.com/user/TheHarlsz
Check out Iona Bain’s Young Money blog here https://www.youngmoneyblog.co.uk/ or read her FT column about her Lifetime Isa here https://www.ft.com/content/52ad32d8-ac7b-11e9-b3e2-4fdf846f48f5
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REPEAT: Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading
Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer https://www.ft.com/content/05e5ded2-7a74-11e6-b837-eb4b4333ee43
To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firms https://www.gov.uk/find-pension-contact-details
To check how many years’ worth of UK state pension contributions you’ve made, what you could receive in retirement and if you have any missing years, use the government’s free Check your State Pension service https://www.gov.uk/check-state-pension
The UK government page Your State Pension Explained contains more information on what counts as a qualifying year https://www.gov.uk/government/publications/your-new-state-pension-explained/your-state-pension-explained
Read this UK government advice page about extra National Insurance contributions to your UK state pension https://www.gov.uk/voluntary-national-insurance-contributions
Contact the Future Pension Centre to find out if you would benefit from voluntary NI contributions https://www.gov.uk/future-pension-centre
The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseas https://www.gov.uk/international-pension-centre
Want to talk to someone about your pensions options? If you’re over 50, then you can use the UK government’s free Pension Wise service to get detailed guidance from an adviser on your retirement options https://www.pensionwise.gov.uk/en
Emma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions are
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This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.
Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job.
With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss.
Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fx
Check out the Dear Jonathan column: https://www.ft.com/dear-jonathan
Plus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c
Want to be a future guest? Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB.
Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
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Following the COP26 conference in Glasgow, many climate-conscious investors want to know how to match up their investments with their values.
The short answer is environmental, social and governance investing — ESG for short. But there are plenty of questions around how ‘green’ this really is.
Thirty-year-old Harri appeared on one of the first episodes of Money Clinic last year, and his decision to invest in ESG funds appears to have paid off: he has made a decent return. However, he wonders how much this has been down to the underlying investment performance and how much because of the soaring popularity of ESG investments. With a record $3.9tn now held in sustainable assets worldwide, is this outperformance sustainable?
Claer is joined by the FT’s Manuela Saragosa and Share Action’s Catherine Howarth, who have put ESG investing to the test. They offer practical tips on how to make greener choices with your pension,Isa and becoming an activist shareholder. Plus, they debate how worried investors should be about ‘greenwashing’.
If you enjoyed this episode, check out five ESG themed episodes on the FT podcast Behind the Money. Want to be a future guest? Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB.
Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
Clips: Sky News, CNBC International, UN Climate Change, Guardian News.
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Many dream of being an elite footballer, but what’s it like actually earning a professional player’s salary?
In the second half of this two-part podcast special, Claer Barrett explores the darker side of earning staggering sums as a young player. Unscrupulous financial advisers, risky investments, gambling, injuries and early retirement can all cut short your earning potential - and there are lessons here for all of us. She hears from Gareth Farrelly, a former Premier League footballer who narrowly avoided death - and financial ruin - when his playing career ended, but has now reinvented himself as a top sports lawyer. Plus, former England player Sol Campbell and AFC Bournemouth full-back Jack Stacey reveal how they manage their money, and what listeners can learn from this.
If you liked the show, please leave a review. Want to be a future guest? Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB
For more about the business of sport, head to Scoreboard, the FT’s weekly briefing on the key financial issues affecting the global sports industry, at www.ft.com/scoreboard.
If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440
Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8
Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
Clips: afcbTV
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Many dream of being an elite footballer, but what’s it like actually earning a pro player’s salary? Top football players earn staggering amounts of money, but even they are not immune from financial challenges. These range from planning for a career that could end by the age of 35 to teenage players struggling to manage such large financial windfalls. In the first half of this two-part podcast special, Claer Barrett speaks to former England player Sol Campbell and AFC Bournemouth full back Jack Stacey about the reality, both good and bad, of earning a footballer’s salary. Plus, Daniel Geey on why there’s so much money in football.
If you liked the show, please leave a review. Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB
If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440 Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8
Check out Daniel Geey’s book and podcast here: https://www.danielgeey.com/
Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
Clips: afcbTV
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This is the podcast about doing work differently. Join host Isabel Berwick every Wednesday for expert analysis and watercooler chat about ahead-of-the-curve workplace trends, the big ideas shaping work today — and the old habits we need to leave behind.
Subscribe on Apple https://podcasts.apple.com/gb/podcast/working-it/id1591925469 - On Spotify https://open.spotify.com/show/5vNDHxEOc1pI1acJS7He5e Or wherever you get your podcasts.
The wellness industry is a trillion-dollar business, and the pandemic has turbo-charged it. One of the biggest trends has been the rise in employers buying their staff access to meditation and fitness apps. But does this ‘quick fix’ approach work? And are there better ways to boost wellbeing ?
Isabel talks to Lorna Borenstein, chief executive of Grokker, a corporate wellness app about the reasons why she set up the platform and how clients and her own staff use it. It’s all part of a culture of taking care of employees - a topic Lorna has explored more deeply in her book It’s Personal, offering advice to other managers on how to help staff feel better [tl;dr: talk less, listen more].We also speak to FT colleague Emma Jacobs, about the corporate care culture. She is a little more skeptical.
We would love to hear from you - email us at [email protected]. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: [email protected]. Thanks.
Mentioned in the podcast and other interesting reading:
Presented by Isabel Berwick. Editorial direction from Renée Kaplan. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.
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Have you ever wondered what it would be like to manage an investment portfolio worth hundreds of billions of pounds? Global equities specialist Malcolm MacColl is one of two managing partners at the helm of Baillie Gifford, the Scottish asset management company, which manages more than £350bn worth of investors’ cash. An early investor in Amazon, Tesla and Moderna, Baillie Gifford’s long-term approach to investing in tech companies has paid dividends. However, its approach is being tested by volatile markets in China, where the value of Chinese tech companies has been hit by a government crackdown.
On today’s episode, Malcolm reveals how Baillie Gifford’s fund management team build an “investment hypothesis” for each company they choose to back, and why every investor should build a “coffee can portfolio” of shares they’d like to hold for 20 years. We also hear from FT investment columnist Merryn Somerset Webb who is less upbeat about China’s long-term prospects.
Further reading:
To listen to Merryn’s own Investment Masterclass, click here
Read the FT’s profile on Baillie Gifford here
Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on [email protected]
The podcasts Malcolm mentioned are:
Farnam Street
https://podcasts.apple.com/gb/podcast/the-knowledge-project-with-shane-parrish/id990149481
Coburn Ventures
https://open.spotify.com/show/3aKPYkLblhxAAPMj3BCgR6?si=QmAPgFCUSVWA5ENKXETuJA
Patrick O’Shaughnessy
https://open.spotify.com/show/22fi0RqfoBACCuQDv97wFO?si=QjYqX5dVRLC2K6e2uf8zyA
Presented by Claer Barrett. Produced and edited by Clare Williamson and Persis Love. Sound design by Breen Turner.
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Students were up in arms after reading the Financial Times scoop that the UK government is considering lowering the salary level at which graduates have to start repaying their loans.
Currently, student loan repayments start when you earn more than £27,225 per year, but the FT has reported this could be reduced to around £23,000 in future. Any changes are expected to apply retrospectively to those who started university courses after 2012, including this week’s podcast guest, 24-year-old graduate Ola, who fears how much any changes could cost her.
“If this is retrospective, then for me it's a breach of natural justice and it's certainly something I would be yelling about,” Martin Lewis tells Claer. “Should students be scared? Yes.”
As well as exploring the likely impact on young people’s budgets, we hear from FT reporter Bethan Staton about the political motivation for any changes to the loans system.
Further reading:
Vote for Money Clinic in the Lovie Awards here (deadline Thursday Oct 21)
Check out Claer’s free to read FT column on how student loan changes could add up for you
Watch Martin’s YouTube video on why he opposes changes to the system
Here’s the original FT news story on the expected changes
Follow Ola on Instagram @AllThingsMoney
Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on [email protected]
Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.
Hosted on Acast. See acast.com/privacy for more information.
Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed. Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy. Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability.
Further reading:
Check out our episode on finances for the self-employed here
Or listen to our episode about tracking down and consolidating old pensions
Moira’s FT column about pension saving in your 40s is available here
Claire Walsh’s website is here
The Cystic Fibrosis Trust has published this guide about employment rights
Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.
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Peter McCormack, bitcoin bull and voice of the hugely popular 'What Bitcoin Did' podcast, joins Claer for a Money Clinic Investment Masterclass about cryptocurrencies. Recently back from a trip to El Salvador, the first country to make bitcoin legal tender, Peter tells Claer why he believes the cryptocurrency is the 'best form of money' and why regulatory crackdowns, volatile pricing swings and the divergent opinions of professional investors have failed to dampen his enthusiasm. An investor with a long-term view, Peter shares the highs and lows of his personal investment journey, and sets out the risks younger investors should know about before risking a single satoshi. With insight from Katie Martin, the FT’s market’s editor.
Further reading:
Check out Peter’s podcast 'What Bitcoin Did'
Have you heard this Money Clinic episode? “Bitcoin: I’ll either be rich, or wrong”
There’s a free-to-read column from Claer: Why young investors bet the farm on cryptocurrencies
Here’s Vijay Boyapati’s The Bullish Case for Bitcoin
Presented by Claer Barrett. Produced by Clare Williamson. Edited by Persis Love. Sound design by Breen Turner.
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How to match your money to your relationship status. Nearly one in four of us live on our own, but dealing with the financial and emotional strain of handling everything by yourself can be difficult. Jenny, 27, from Leeds, is being hit by the ‘single penalty’ and is exhausted trying to find everyday ways to save money. She’s looking for tips on investing in the stock market, whether to try to buy or stay renting and how to ease the worries that come with financial independence. In this Money Clinic episode, Claer is joined by ‘Alonement’ guru Francesca Specter who champions the single life and Iona Bain, a personal finance author and founder of the Young Money blog. Follow them on social media @ClaerB @chezspecter @ionajbain
Further reading:
Here is Francesca Specter’s Alonement site
Iona Bain’s Young Money blog
Listen to our previous episode about budgeting
If you want to get started in investing, listen to this episode
A free-to-read column about the costs of dating
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Forget about being a day trader, you need to let the money come in slowly and take a serious, business-like approach if you want to succeed - that’s the advice of Robbie Burns, better known as the Naked Trader. In this Money Clinic special Investment Masterclass Robbie shares his top tips about getting into trading - from whether you can combine trading with a full time job, why you need to be like a detective, what shares to be careful of and learning from his mistakes.
Further reading:
-Here is Robbie’s Naked Trader site
-Listen to our previous episode about the advantages of tax free ISAs
-If you want to get started in investing, listen to this episode
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Are you working to live, or living to work? Followers of the FIRE movement (Financial Independence Retire Early) budget carefully so they can invest a greater proportion of their take-home pay. Is a life of extreme frugality worth the extra years of financial freedom later on - and how could you apply the principles of FIRE to your own finances?
This week, Claer helps listeners Amy and Rory on their FIRE journey, with expert tips from Mr Money Mustache, AKA the US blogger Pete Adeney, and Kristian Danielson, the person behind the r/FIREUK subreddit.
Further reading:
-Here is Mr Money Mustache’s blog
-You can get involved in the FIREUK subreddit here
-If you want to get started in investing, listen to our previous episode
-Claer’s free-to-read column about the problems with FIRE is here
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In an extra special Money Clinic Meets, Claer Barrett interviews Joe Lycett, the consumer campaigner and TV comedian. As the new season of his award winning show Joe Lycett’s Got Your Back returns to Channel Four, he drops into the Financial Times studio to tell us what he really thinks about the world of finance.
Joe shares his own personal money story - including his charity shop thrifting, ESG investments and money rules - and the pair discuss why holding big consumer corporations to account is important. Plus, we get the low down on why Joe recently stormed off a daytime TV appearance.
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
If you want to read more about the topics covered in this week's episode, check out the following free to read FT articles:
Clear wrote about rental fraud and the trap Joe laid for an unwitting scammer: Renters Beware is the column, and Joe’s telling of the story is available on YouTube.
Summer vacations may be over, but car hire firms are still using high pressure sales tactics. Read about Joe’s consumer investigation: Don’t let politicians ruin your half-term holiday
Say hello on social media:
You can follow Claer on Twitter and Instagram @Claerb
You can follow Joe Lycett on Twitter and Instagram @JoeLycett
You can follow FT Money on Twitter @FTMoney
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REPEAT: Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
Further reading:
-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.
-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business
-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension?
-This free-to-read FT piece reviews the apps that can help the self-employed manage their finances
-And this Money Clinic from the New Year has the lowdown on wills
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REPEAT: In this week's episode of the Money Clinic, Claer chats to Naureen about getting started in investing. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. But with so much information out there on investing, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.
If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:
Even if you are not a fan of 90s rapper Vanilla Ice, Claer’s free primer on the tax advantages of investing through a stocks and shares Isa is a must-read for UK listeners: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aece
If you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PP
A more serious read for investors to get their teeth into is this piece by John Kay - How to build your own investment portfolio with £10,000: https://www.ft.com/content/24b98a82-b55e-11e6-961e-a1acd97f622d
We also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".
Say hello on social media:
You can follow Claer on Twitter and Instagram @Claerb
You can follow Jason Butler on Twitter and Instagram @JBtheWealthMan
You can follow FT Money on Twitter @FTMoney
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Would you fall for a £17,000 scam? You might think you are too smart to be duped by fraudsters, but under lockdown, criminals have come up with frighteningly convincing ways of parting us from our hard-earned cash. Claer Barrett talks to 31-year-old listener Jenny about how professional scammers conned her out of £17,000 after she clicked on a text message - and the battle she’s fighting with her bank to get the money back.
Bank fraud expert Steven McMillan provides practical advice about spotting scams and how criminals use ‘phished’ data to fool victims, and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim.
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When 29-year-old Sam found out that his younger brother had made £30,000 trading bitcoin, he couldn’t believe what he was hearing. The self-employed musician decided to put the last £2,000 of his savings into various cryptocurrencies, hoping he could double his money. However, wild swings in crypto valuations are proving a test of his strategy. Presenter Claer Barrett explores the highs and lows of investing in cryptocurrencies with experts Abhishek Sachdev, a professional investor who has personally invested £20,000, and Eva Szalay, the FT’s currencies correspondent. They discuss crypto’s long-term potential as an asset class and the risks that investors such as Sam need to be aware of, as well as the allure of investing in highly volatile unregulated assets. Review clips: BBC Newsnight, CNBC.
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bothering you, get in touch — our email is [email protected] -— and you can follow Claer on Twitter and Instagram @ClaerB.
Further reading:
-Read Eva Szalay’s article Bitcoin: too good to miss, or a bubble ready to burst?
-Following Elon Musk’s tweets about the environmental impact of mining Bitcoin, check out this FT article Bitcoin’s growing energy problem: ‘It’s a dirty currency’
-Here is how the FT covered the story of the Bitcoin price crash last week
-Check out our recent investment masterclass episode with FT columnist Merryn Somerset Webb, where she chats to Claer about Bitcoin and all kinds of other investment trends
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It’s easy to create a budget to manage your spending - but can you stick to it? 32-year old project manager Rosie contacted Money Clinic as she kept making the same mistakes. Despite starting the month with good intentions, online shopping sprees frequently pushed her into the red. Battling with ‘buyer’s remorse’ as she returned her impulse purchases, Rosie asked Claer what psychological factors could be causing her to break the budget? Tim Harford, FT columnist and author, turns to behavioural economics to show how we can train our brains to resist the urge to splurge. Financial coach and blogger Ellie Austin-Williams, known online as This Girl Talks Money, encourages Rosie to explore her ‘money mindset’ and probe her emotional connections with money.
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is [email protected]. Follow Claer on Twitter and Instagram @ClaerB.
Further reading:
Tim Harford writes the ‘Undercover Economist’ column in the Financial Times. His bestselling book How to Make the World Add Up is out now in paperback. Follow him on Twitter @TimHarford
Read Ellie Austin-Williams’s blog on exploring your ‘money mindset’ on her website This Girl Talks Money and follow her on Instagram @ThisGirlTalksMoney
If like Rosie, you need some help working through maternity pay and pensions issues, check out our previous episodes Will having a baby break my finances? and Should I combine my pension pots?
And if you’re after budgeting tips, check out Claer’s recent column: Lock down your budget before the economy opens up
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Accountant Peter knows that to grow a business, you have to take on debt. But can he apply that same logic to his personal finances? He tells Claer how he is tempted to take out a bigger mortgage against his London flat and invest that money in a buy-to-let property - or even in the stock market. Has he come up with a brilliant shortcut to making some extra money, or is his plan to leverage up a recipe for disaster? Personal finance expert and FT columnist Jason Butler stresses that debt is no shortcut to wealth, while the FT’s European economics commentator Martin Sandbu looks at recent consumer debt trends.
If you are a regular Money Clinic listener and want to be in with a chance of winning £250, then let us know what you think of the show at www.ft.com/moneyclinicsurvey
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is [email protected]
Claer and Jason will be doing an Instagram Live on Tuesday 18th May at 7.30pm UK time discussing the issues raised on this episode. If you would like to take part and ask questions, follow Claer @ClaerB or Jason @JBtheWealthman on Instagram
Further reading
Here’s our Money Clinic episode on how to get out of problem debt, and here’s the one about whether it's a good idea to pay off credit cards
Follow Martin on Twitter and check out his book, The Economics of Belonging
Jason’s FT columns are available here. You can follow him on twitter and instagram and be sure to checkout his podcast
Jason recommends reading John Kenneth Galbraith’s The Great Crash 1929 and watching Capital in the Twenty-First Century
For the latest on market trends, follow the FT’s markets page.
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Retail is not dead. Brexit could help UK companies. Take a small punt on bitcoin, keep your money invested in fossil fuel companies, and reassess your holdings in expensive tech stocks. These are pretty punchy opinions about the investment world — and they come from one of the FT’s top opinion writers, columnist Merryn Somerset Webb. In this special episode of the Money Clinic podcast, Merryn chats to presenter Claer Barrett about her personal investment strategy — and the forces she believes will shape the stock market in the years to come.
Listeners should be aware that the discussion of investment trends on this podcast is for information only, aimed at people who feel confident making their own investment decisions. It doesn’t constitute an investment recommendation, or individual financial advice — if you want that, you’ll need to see an independent financial adviser.
Find out more:
- Both Merryn and Claer write a weekly column in the FT Weekend and you can follow them on Instagram and Twitter @MerrynSW @Claerb
- Hear Merryn’s tips for 19-year-old investor Ross in a previous Money Clinic, Beyond GameStop: The day trader turned investor
- For a different take on ESG investing, check out this episode Can ESG investing really change the world? And if you’re new to investing, listen to How can I get started as an investor?
- If you would like to chat to Claer about a real-life money problem on a future episode of the podcast, then drop us an email: [email protected]
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If I take a job outside the UK, what are the options for my investments, property and pension?
After months spent in lockdown, 31-year-old finance professional Viktoria is longing for a change of scene, and is planning to relocate overseas.
She talks to Claer about her desire to escape the corporate lifestyle in London and her concerns about what would happen to her property, pensions and investments if she were to uproot.
David Denton, chartered financial planner at Quilter International, reveals the financial dilemmas commonly faced by Brits taking jobs overseas, and what someone in Viktoria’s position needs to consider. Theresa Wallace of property firm Savills talks through the pros and cons of renting out your home versus selling it when you move to another country.
Useful links:
For tips and guidance on investing in ISAs, listen to How can I get started as an investor?
If you’re considering becoming a landlord and want to know more, check out Should I rent out my property?
The FT’s Family Money columnist Lucy Warwick-Ching has some useful articles on the tax implications of working abroad during lockdown, and the need for sound financial advice when moving abroad. You can follow her on twitter here.
Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email [email protected]
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Anne Boden spent over three decades in the traditional banking sector, watching the world around her being transformed by technology. In 2014, she decided that the time had come for banking to undergo the same shift, and quit her job to found Starling Bank. Since then, Anne has built Starling from an idea into a digital bank with 2m customers.
Claer talks to her about making the leap into fintech, the determination needed to turn an idea into a business and how she persuaded investors to back her. Budding business owners should sit tight as Anne shares some of the key lessons she learnt along the way - and why she thinks we should prepare for cash to completely disappear.
Read Claer’s review of Anne Boden’s autobiography, ‘Banking On It: How I Disrupted an Industry’. If you want to know more about how Anne Boden set up Starling Bank, you can buy a copy here.
Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email [email protected]
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Making the ‘greener choice’ comes naturally to listener Ros. As more people become increasingly aware of how their daily decisions affect the environment, Ros is wondering if she can make a difference to the planet - and her pocket - through her bank account, pensions and plans for investing. Claer talks to the FT’s Alice Ross, author of 'Investing to Save the Planet' and Bevis Watts, chief executive of Triodos Bank UK. Review clip: Global Ethical Finance Initiative.
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is [email protected] or follow her on Instagram and Twitter @ClaerB
Further reading:
-Follow Alice Ross on Twitter and check out her book here
-To read further about greening your money, check out Ethical Consumer Magazine, Good with Money or Make My Money Matter
-You can read an FT interview with Bevis here or check out the FT’s climate hub for the latest on climate change
-For a deep dive into ESG investing, listen to this episode of Money Clinic
-Here’s some further reading on Danone’s sustainability credentials and on Natwest’s climate pledge
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Jenny and her partner are planning to have a baby but, beyond forking out for nappies and a pushchair, she has no idea how much becoming a parent will cost. How big a budget will the couple need to cover parental leave, childcare costs, and other unexpected expenses? Claer talks to Tobi Asare, founder of parental finance blog My Bump Pay, and Maike Currie, FT columnist and investment director at Fidelity International.
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is [email protected] or follow her on Instagram and Twitter @ClaerB
Further reading:
-Tobi’s blog My Bump Pay can be found here and has a wealth of resources for soon-to-be parents and she is on instagram @mybumppay You can download her baby equipment spreadsheet here, or use her planner to calculate how to spread out the ‘income shock’ of parental leave
-Follow Maike Currie on Twitter @MaikeCurrie and check out her FT columns here
-Check if you are eligible for the UK government’s Tax-Free Childcare account
-Hiring a nanny: what I wish I’d known. Click here to read
-More than one million parents in the UK are estimated to have lost state pension credits by mistakenly not registering for Child Benefit. This free article explains what to do
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Last October Claer spoke to listener Lucy who was on the cusp of buying a shared ownership flat with her partner — but was getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. Lucy was hoping that this would be her first step towards being able to afford to own 100 per cent of her home, but worried about how much it would cost. Six months later, is she comfortably settled in the flat or did the couple stay renting? Claer hears from experts, independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
Further reading:
-Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers
-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here
-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route
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In this special ‘What happened next’ Money Clinic episode, Claer catches up with US financial services worker Josh. When they spoke last October, he was hiding thousands of dollars in credit card debt from his wife. Under lockdown, the couple had managed to save up enough money to pay them off - but she wanted to use this cash for a deposit on their first home. The podcast experts had plenty of advice about dealing with credit card debt, and what could happen if Josh took on even more debt with a mortgage. Six months later, has he paid off his debt and cut up his cards, did he buy a property, and are he and his wife still talking openly about money? The experts were Sara Williams aka The Debt Camel, and the FT’s US finance editor Robert Armstrong. The original podcast was released on October 20 2020.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected], with a brief description of your story. Follow Claer @Claerb and read her Serious Money column.
Further reading:
-Free UK sources of debt advice include StepChange and Citizens Advice
-In the US the government’s Dealing with Debt has plenty of pointers
-Read, for free, Claer’s article on the UK’s biggest debt helpline and advisers’ tips, and her column Six ways to manage money - and not fall out with your partner
-For a different take on debt, listen to this previous episode: Starting your debt free journey
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Claer catches up with 30-year-old jewellery designer Roseanna Croft. When they spoke last October, her small business was reeling from the impact of coronavirus and cancelled weddings. Money Clinic experts advised Roseanna on accessing financial support, and finding a new direction for her business under lockdown. Five months on, has she managed to hammer out her financial issues? The experts were Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business podcast, and Andy Chamberlain, head of policy at the Association of Independent Professionals and the Self Employed. The original podcast was released on Nov 10th 2020.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected], with a brief description of your story. Follow Claer @Claerb and read her Serious Money column.
Further reading:
-Claer has written extensively about issues facing small business owners during the pandemic, and has more advice in this recent Money Clinic
-Follow Suli @SuliBreaks and Andy @AndyChamberlain
-The IPSE website has lots on the help available for the self-employed and limited company directors
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Young investors have rushed to open day trading accounts under lockdown, using tips gleaned from chat rooms and social media as they attempt to make a fast buck. But betting on short-term market movements carries a high risk of losing money — something that 19-year-old Ross has found out the hard way trading stocks like GameStop and AMC. If he invested his money for a matter of years instead of a matter of minutes, would he get a better return? Claer Barrett hears from experts Merryn Somerset Webb, the FT columnist and editor-in-chief of MoneyWeek, and Damien Fahy, founder of investment website Money to the Masses.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
Read more:
-Claer’s thoughts about good investment habits to build for the future: Where do the next generation of investors go from here?
-Merryn Somerset Webb’s column every Saturday in the Weekend FT. Follow her @MerrynSW
-Damien Fahy’s website Money to the Masses for information about investing, including a blog about his own £50,000 portfolio and a podcast. Follow him @Money2theMasses
-And finally… those book recommendations. From Merryn: Investing for Growth by veteran fund manager Terry Smith; Effective Investing by former Hargreaves Lansdown research director Mark Dampier, and The Anatomy of the Bear by Russell Napier, the equity market strategist (disclaimer: Merryn wrote the introduction to the new edition). From Damien: How to own the world by Andrew Craig, adding that this book “explores the whole concept of why you’d want to invest”
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Gina Miller’s campaigning spirit has made her front-page news — but what’s less well known is the personal story behind her own financial journey.
As one of the highest profile women working in the City of London, the anti-Brexit campaigner has raised awareness of unfair investment charges, the impact of the gender pay gap and the need for women to embrace investing. Her latest fear? That the pandemic has set back women's’ careers and earnings prospects.
In honour of International Women’s Day next week, the co-founder of wealth management firm SCM Direct chats to Claer for a special edition of Money Clinic.
Aptly, the theme of IWD this year is Choose to Challenge. Follow the hashtags #ChoosetoChallenge and #MoneyClinic on social media, and follow Claer and Gina @Claerb and @ThatGinaMiller.
If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch - our email is [email protected]
If the podcast has left you wanting to learn more about managing your money, this free to read column by Claer is a great place to start - Six financial mistakes that women need to avoid.
Finally, we promised to link to some sources of support for who are experiencing domestic abuse or seeking to leave abusive relationships. Here are links to the websites of UK charities Refuge, Women’s Aid and Respect Men’s Advice Line (for male victims of domestic violence). For listeners in the US, this website has links to charities and organisations.
Acknowledgements: Brass in Pocket by The Pretenders. Hipgnosis.
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Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services.
Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
Further reading:
-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.
-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business
-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension?
-This free-to-read FT piece reviews the apps that can help the self-employed manage their finances
-And this Money Clinic from the New Year has the lowdown on wills
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Many people would like to move to a life with less or no debt, but taking the first step requires great courage. This week Claer hears from a couple in their 30s who have each run up large credit card debts. Duncan and his partner found that the pandemic made their debt problems worse. How can they get their finances back on track? Could a debt adviser help? Chris Browning, presenter of US podcast Popcorn Finance, has practical tips, and debt advice specialist Alan McIntosh explores different solutions.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
Further reading:
-If you’re struggling with problem debt, this week’s experts say don’t wait for things to get worse before seeking advice. The earlier you seek help, the more options you’re likely to have
-Free UK sources of debt advice include StepChange and Citizens Advice
-In the US the government’s Dealing with Debt has plenty of pointers
-For a different take on debt and budgeting, check out this previous episode: Should I pay off my credit cards, or buy a house?
-Read, for free, Claer on the UK’s biggest debt helpline and advisers’ tips
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With “Isa season” fast approaching in the UK, Claer explores how young people can use the popular tax-free accounts to invest or buy their first property. This week, she meets Ryan, a 22 year old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-If you’re new to investing, listen to this past Money Clinic episode on starting out
-If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer
-Harleigh Reid also hosts her own YouTube channel
-Iona Bain shortly releases her second book on investing and features in the FT talking about her Lifetime Isa
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This week, Claer meets Lowri, who runs a small events business. She’s had no work for nearly a year, and as a director of her own limited company is one of an estimated 3m people in the UK who has fallen through the cracks of government support. Living on state benefits and reliant on her local food bank, Lowri’s previous experiences of business failure have prepared her for what she fears is to come. Legal and insolvency experts provide practical tips for small business owners in a similar situation, and we have the latest on the growing political campaign for directors to be included in UK government grants.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Thanks to podcast experts Rebecca Seeley Harris, founder of Re Legal Consulting, and Peter Sargent, insolvency expert and consultant at Quantuma
Further reading:
Read the FT story about how 262 MPs have backed Rebecca’s campaign to reform coronavirus support measures
If your business is in financial trouble, here are links to some free sources of support mentioned in the podcast:
The charity Turn2Us has a very user friendly benefits calculator
If you are looking for more information about finding an insolvency practitioner, please see:
R3 (the trade body for insolvency practitioners)
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Disruption from the pandemic has created plenty of ‘accidental landlords’ - homeowners with an empty property they could potentially let out. This week’s guest, Jeremy, has relocated for work - he’s renting a room in a shared house, but wants to make some cash renting out his former home. He asks Claer what taxes he’d have to pay, the rules he’d have to comply with, whether or not to use a letting agent, and how to assess whether becoming a landlord makes sense financially. Expert guidance is provided by professional landlords Ayesha Ofori, founder of the PropElle network for female property investors, and David Lawrenson, author of the bestselling book Successful Property Letting.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further information:
-David Lawrenson took part in a live Q&A with FT readers last year on renting property
-Read this FT Money article on ways landlords are tackling the effects of the pandemic
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Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer, A lunchtime lesson about pensions for millennials. Also Claer has written on the pandemic and pensions planning
Tina’s first task was to work out what she had in which pensions, and where. To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firms
To check how many years’ worth of UK state pension contributions you’ve made, what you could receive in retirement and if you have any missing years, use the government’s free Check your State Pension service
The UK government page Your State Pension Explained contains more information on what counts as a qualifying year
Read this UK government advice page about making extra National Insurance contributions to your UK state pension
Contact the Future Pension Centre to find out if you would benefit from voluntary NI contributions
The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseas
Want to talk to someone about your pensions options? If you’re over 50, then you can use the UK government’s free Pension Wise service to get detailed guidance from an adviser on your retirement options
Emma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions are
Finally, if you need some further pensions inspiration on social media, you can follow Catherine Morgan on Instagram
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2020 was a turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some ‘financial resolutions’. The guests on the first podcast of the New Year, couple Toby and Siobhan, are looking for some ‘fin-spiration’ to get their money working harder in 2021. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash: overpay the mortgage, or put more into pensions or other investments? There’s also one financial to-do that they’re been putting off for a long time: making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide some useful tips.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-You can follow Ken Okoroafor on Instagram
-If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s Resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more.
-Here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a ‘digital will’ online. Read this FT Money piece to find out how
-For a more general grounding on wills, read this FT article - 10 things you need to know before making a will
-And here’s a useful Money Clinic podcast on credit card debt. Claer finds how to keep credit card spending under control
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Money Clinic is taking a break until December 31st, so why not delve into our back catalogue of podcasts to find useful discussions on how to manage your money during the pandemic, from starting in investing and shared ownership to the dangers of 'money mules' and moving into a second career. Our next episode focuses on how best to plan your finances in the New Year while Covid-19 continues to affect all our lives.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
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She earns a six-figure salary working an 80-hour week on Wall Street but 20-something Anna spends her spare moments dreaming about starting her own business. She chats to presenter Claer Barrett about the challenge of resisting “lifestyle creep” - the pressure to spend more as you earn more - in New York City. But how much will she need to save up to support herself if she pursues her passion project? Experts Bola Sokunbi, the founder of Clever Girl Finance, and Emilie Bellet, founder of Vestpod, share stories of how they quit high-flying jobs to launch their own personal finance platforms - and have plenty of tips for listeners who are tempted to go it alone.
If you would like to talk to Claer for a future podcast episode, email the Money Clinic team [email protected] with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-If all this talk of ‘lifestyle creep’ has inspired you to take a closer look at your spending habits, check out this free to read FT column by Claer which is packed with budgeting tips: Simple rules for managing your money
-Clever Girl Finance, the personal finance platform founded by podcast guest Bola Sokunbi, is full of free content, courses and resources covering all kinds of financial issues. You can hear more from Bola on her Clever Girls Know podcast, follow her on Instagram @CleverGirlFinance and check out her book, Clever Girl Finance: Ditch debt, save money and build real wealth
-Emilie Bellet quit her City of London career to found Vestpod, a platform dedicated to empowering women on their investing journey where you can sign up to her free weekly newsletter. Follow Emilie on Twitter and Instagram, and check out the Vestpod Facebook group. She also presents a weekly podcast The Wallet and her first book is called You’re not broke, you’re pre-rich
-Anna's project is Young Money Plans
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If you’re offered the chance to make some easy money during the pandemic, what should you do? Money Clinic was emailed by 19-year-old student Henry who, along with many of his friends, had been contacted on Snapchat and Instagram and asked: ‘Do you want to make money working from home?’ To earn a few hundred pounds, students are being asked to open bank accounts, then receive and transfer money. This may sound innocuous. But as presenter Claer Barrett reveals, acting as a ‘money mule’ is a criminal offence, and could involve money laundering. Reformed fraudster Tony Sales and anti-fraud expert Mike Nathan explain how it works and how to stay safe online.
If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-If you have been a victim of cyber crime, or want to report a scam attempt, here are the agencies to contact, depending on where you’re based, in the UK, the US or Europe
-Claer’s FT column this week goes into much greater detail about money muling, and how parents can spot the signs
-Claer won a Wincott Award for this 2018 column exposing “Modern Day Bank Robbery”, which highlights the techniques criminals use to steal money from the unwary online
-You can also read Claer’s column: Don’t fall for these 10 financial scams
-And Tony Sales, the reformed criminal we heard from on today’s show, will shortly be releasing his autobiography - The Big Con: How I stole £30m and got away with it, published by Mirror Books
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Finding a side hustle that earns you money alongside your main job is an attractive idea — but it can be hard to achieve as Jonny, this week’s guest, has found out, with his side hustles costing him time rather than earning much extra cash. He’s also looking to volunteer as a side hustle to further his ambition of campaigning on personal finance issues, but how can he find the right balance of money and time? Presenter Claer Barrett hears from experts Abadesi Osunsade, founder of Hustle Crew and presenter of the Techish podcast, and Juliet Tomlinson from the Oxford university’s careers service on “success metrics” and acquiring the right skills.
If you would like to talk to Claer for a future podcast episode, she is very keen to find someone who is resolving to sort out their finances for the new year and could do with some expert help. If that sounds like you, please email the Money Clinic team with a brief description of your story to [email protected]. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-If like Jonny, you’re seeking inspiration from how others are earning money on the side, check out this FT Magazine piece — How lockdown encouraged young people to develop their side hustles
-If your side hustle is successful, there could be tax implications, but this piece from FT Money gives some useful tips about tax returns and the kinds of expenses you might be able to offset
-Abadesi Osunsade is the founder of Hustle Crew, which runs workshops and events for people working within the tech space, and presents the Techish podcast which is focused on the intersection of tech, pop culture and life. Follow Abadesi @Abadesi
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Since they moved in together at the start of the UK lockdown in March, Marijke and Danny’s relationship has gone from strength to strength. Marijke owns the flat they both live in — but Danny has recently come into an inheritance and wants to finance building an extension to their home. How can the cohabiting couple structure this arrangement in a way that will be fair to both of them if they later split up? Presenter Claer Barrett seeks guidance from experts, Michael Gouriet, partner in the family law team at Withers, the legal firm, and Angela Marson, chartered financial planner at Fairstone, the financial advisory business.
If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-Our guests on this episode were shocked to find out that cohabitation is such a ‘grey area’ of the law in England and Wales.
-This FT Money article by Lucy Warwick-Ching — Is my boyfriend entitled to a share of my flat if we split? — covers many of the legal options couples like Marijke and Danny could consider.
-Of course, talking about money is a big issue for many couples. This FT column by Claer — Six ways to manage money and not fall out with your partner — is packed with practical tips and is currently free to read.
-Michael Gouriet, the legal expert featured on this podcast, has also made a more in-depth podcast series with his firm Withers focusing on the issues arising from cohabitation agreements.
Finally, this column by the FT’s economics correspondent Delphine Strauss — Unmarried couples in the UK pay the price of an outdated system — looks at repeated attempts to reform the laws concerning the rights of cohabiting couples.
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For 61-year old Margaret, and millions of other women, being able to retire with a pension has become an unaffordable dream. She has relied on working as a supply teacher to pay the bills. But she says employers don’t want to hire older workers. After many unsuccessful job applications, Margaret has gone back to university to study creative writing and to seek a new career. Lindsay Cook, the FT’s Money Mentor columnist, suggests how women in Margaret’s situation can maximise their retirement income, and Stuart Lewis, the founder of over-50s online community Rest Less, has plenty of tips for older jobseekers.
If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
-The experts had plenty of practical tips for UK listeners looking to get on top of their retirement planning.
-To track down lost pensions, Lindsay Cook suggested that Margaret uses the government’s Pensions Tracing Service, which is free to use. As we said on the show, please be careful of copycat websites run by commercial firms.
-You can also check how many years’ worth of State Pension contributions you’ve made, and what you could receive in retirement
-Looking for a job in your 50s and 60s can be a very challenging and lonely experience, as Margaret has found. Rest Less is an online community and recruitment website for older workers which is packed with all kinds of tips and advice. Membership is free, and has trebled since the start of lockdown.
-Claer’s latest FT column is full of practical advice for job seekers, drawing on a live video Q&A with Jonathan Black, the FT’s “Dear Jonathan’ columnist and director of the careers service at Oxford University. This contains useful suggestions of how to reach out to contacts for help finding your next position, and the strange theory of why wearing smart shoes in Zoom interviews could boost your performance — even though your feet are out of shot!
-Finally, if you’re considering going back to university in later life, you may be concerned about student loans. In the UK, these operate more like a graduate tax than a conventional loan, as this free to read column by Claer explains.
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29-year-old jewellery designer Roseanna Croft is having her mettle tested by the pandemic. Wedding cancellations have dented her sales, and now the second UK lockdown threatens Christmas trading. As a limited company director, she has restricted access to government support and must rely on her own efforts to redesign her business plan. Claer finds creative inspiration for Roseanna from Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business Podcast, and financial tips from Andy Chamberlain, head of policy at IPSE (the Association of Independent Professionals and the Self Employed).
Further reading:
-Claer has written extensively about issues facing small business owners during the pandemic, and the problems of accessing government support schemes. Her recent FT column Help for the self-employed won’t save everyone is free to read
-Suli presents the 7even Figures podcast, where he interviews an entrepreneur who has set up a business from scratch, finding out how they grew their passion into a million pound company
-Watch Suli in action on his website and follow him on Twitter @SuliBreaks
-Andy Chamberlain is head of policy at IPSE, and tweets @AndyChamberlain
-The IPSE website has a hub full of advice and information for the self employed and limited company directors detailing the help available during the pandemic
-You can follow Claer on Twitter and Instagram @Claerb
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Lucy is on the cusp of buying a shared ownership flat with her partner — but she’s getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. However, Lucy is worried this could be more expensive than she bargained for, and fears she will never be able to afford to own 100 per cent of her new home. Claer hears from independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco.
Further reading:
-Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers.
-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here.
-Claer’s recent column in FT Money tackled the pitfalls of shared ownership properties, the government’s Help to Buy scheme and a mad-sounding new idea to let young people borrow from their pensions to get on the property ladder.
-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route.
You can follow Claer on Twitter and Instagram @Claerb
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Claer Barrett chats to Harri about the challenges of building an ethical investment portfolio. The 29-year old is saving £1,000 a month into his retirement fund, and has noticed a growing array of ESG options (a label applied to investments that address environment, social and governance considerations). Are they genuinely doing good — or have they just done a good job on their marketing? And does investing ethically mean he has to sacrifice some investment returns? Experts Gillian Tett and Moira O’Neill offer their tips.
If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
Further reading:
--Gillian Tett chairs the FT’s editorial board, and set up Moral Money, the FT’s online hub for all things ESG. Read the latest stories and sign up for the twice-weekly newsletter at FT.com/moralmoney (the newsletter is currently free for the first 30 days). You can follow Gillian on Twitter: @GillianTett.
--Moira O’Neill is an investment columnist in FT Money, and the head of personal finance at Interactive Investor. Read Moira’s latest column about why it’s a myth that only the “young and woke” are interested in ESG investment at ft.com/goodmoneyweek. You can follow Moira on Twitter: @MoiraONeill.
--The dilemmas of ESG investors are explored in a forthcoming book by Alice Ross, the FT’s deputy news editor. You can read an extract from Investing to Save the Planet via this link ft.com/investingtosavetheplanet and it will be published by Penguin Books in November 2020.
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Claer Barrett chats to Josh, a high-earner living in New Jersey who has large credit card bills to settle. The 30-something finance worker has spent $20,000 paying for holidays and unexpected bills on his interest-free cards, but his wife is unaware of how much he now owes. Under lockdown, the couple have impressively managed to save more than $27,000. His wife wants to use their savings towards a deposit on a house, but should Josh come clean and pay off some of his card debt? Experts Robert Armstrong and Sara Williams (aka the Debt Camel) offer their tips.
If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb.
Further reading:
--Sara Williams writes the independent Debt Camel blog, offering no-nonsense advice for people who want to get out of debt. Covering debt problems and debt solutions, she has won praise for answering common questions about debt without jargon, and has been a debt adviser in the UK for more than 15 years.
--Robert Armstrong, the FT’s US Finance editor, recently bought a house in Brooklyn, and is already regretting his purchase, as he explains in this column: Was buying a Brooklyn townhouse just before lockdown the worst trade of my life?
--He has also explored the topic of mounting consumer debt in this FT video: Will Covid-19 light the fuse on a debt bomb?
--If, like Josh, you find it difficult to talk openly to your partner about your finances, check out Claer’s column, Six ways to manage money - and not fall out with your partner (which is free to read).
--Last year, Claer spent a day inside one of the UK’s biggest debt helplines and spoke to advisers about how people of all income levels can and do suffer from debt problems — and heard practical tips on what to do about it.
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Could there be a worse year than 2020 to graduate from university? Lockdown disrupted final exams, not to mention final goodbyes - and graduates face one of the toughest recruitment markets in recent times. Claer Barrett chats to 21-year-old graduate Olly. He’s landed a traineeship with a big City of London firm, but his start date has been delayed until January 2021. Other friends have had job offers withdrawn, ending their hopes of renting a London flat together. Olly also worries how Covid-19 could affect his job security and career progression. Can his love of spreadsheets help him budget for the unexpected? With experts Iona Bain and Jonathan Black.
The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, Money Clinic features real life stories from FT readers around the world (on a first name only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer for a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
Further Reading
If you’re about to start your first job, read this column by Claer (she wrote it when her stepdaughter landed her first job). There are tips on setting a budget, and using workplace perks including the company pension and Save As You Earn schemes to maximise your savings: https://www.ft.com/content/4604c988-a7ad-11e9-984c-fac8325aaa04
If you enjoyed hearing Jonathan Black’s careers advice, check out his regular column in the Financial Times where he answers readers’ dilemmas: https://www.ft.com/dear-jonathan
This column, How do I get my first graduate job in a tough economic climate? contains some useful insights from Jonathan and FT readers: https://www.ft.com/content/42ff5dc4-8976-11ea-a109-483c62d17528
Iona Bain is a freelance writer who shot to fame with her hugely successful Young Money Blog, covering everything from budgeting hacks to the best money apps and non-nonsense advice on pensions and investing: https://www.youngmoneyblog.co.uk/
Iona’s next book Own It! How our generation can invest our way to a better future comes out next year, and is available for pre-order now: https://www.amazon.com/Own-generation-invest-better-future-ebook/dp/B08JVFLFFR
Iona regularly writes in FT Money; one of her most recent pieces covers how she uses the Lifetime Isa for under-40s to invest for the future: https://www.ft.com/content/5d6eb1a8-f403-44c0-8ad6-1648460f7900
You can follow Claer Barrett on Twitter and Instagram @Claerb
You can follow FT Money on Twitter @FTMoney
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In this week's episode of the Money Clinic, presenter Claer Barrett chats to Naureen, a 37-year old Londoner who has been saving money under lockdown — and now wants to start investing it in the stock market. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. She is so keen to learn more about investing she has even started a vision board to inspire good financial habits - but with so much information out there, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.
The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, we feature real life stories from listeners around the world (on a first names only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.
If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:
Even if you are not a fan of 90s rapper Vanilla Ice, Claer’s free primer on the tax advantages of investing through a stocks and shares Isa is a must-read for UK listeners: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aece
If you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PP
A more serious read for investors to get their teeth into is this piece by John Kay - How to build your own investment portfolio with £10,000: https://www.ft.com/content/24b98a82-b55e-11e6-961e-a1acd97f622d
We also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".
Finally, Claer’s column for Mental Health Week - Worried about money? You are not alone - is free for anyone to read and share via this link: https://on.ft.com/2ZeMMWk.
Say hello on social media:
You can follow Claer on Twitter and Instagram @Claerb
You can follow Jason Butler on Twitter and Instagram @JBtheWealthMan
You can follow FT Money on Twitter @FTMoney
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Finding suitable childcare is an issue that we know makes many of the FT Money Show listeners bawl so we've invited someone onto the show to try to make sense of it. Today's lead guest on the FT Money Show, Izabella Kaminska, was so struck by the financial complexity of working out the costs of hiring a nanny - from tax, to organising a pension and accounting for various extras - she decided to write about her experiences. On this week's podcast Izzy talks to presenter Claer Barrett about the true costs of childcare.
Plus, we discuss what makes a person more at risk of being scammed.
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FT Money editor Claer Barrett and guests discuss how tens of thousands of UK private investors are meeting in pubs, restaurants and private homes to discuss how to beat the market - with tips for anyone thinking of doing the same.
Plus why the wealthy get married in secret, and how banks could do more to help customers with mental health issues
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Presenter Claer Barrett and guests explore how under 40s are using the Lifetime Isa to save for a property, or invest for the future. What strategies are younger investors taking? Plus the new rules on automatic compensation when broadband goes down, and the six ways pensions scammers are most likely to try and con you - would you fall for it?
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Millions have used a government website to check their state pension, only to find they have missing years of National Insurance contributions.
Presenter Claer Barrett and guests discuss what can be done, plus experts debate the future for inheritance tax and whether the cap on high cost credit should be extended.
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Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
FT Money Show presenter Hugo Greenhalgh and guests discuss the rise in property prices, how to build a house, and the Great British pensions cash-in.
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Hosted on Acast. See acast.com/privacy for more information.
FT Money Show presenter Claer Barrett and guests discuss the rise in inflation, the best ways to Brexit-proof your investment portfolio. Finally they discuss how the Germans save and invest and whether we can learn anything from this in the UK.
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Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
En liten tjänst av I'm With Friends. Finns även på engelska.