Money Clinic with Claer Barrett

Money Clinic with Claer Barrett

By Financial Times

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 money@ft.com or drop her a line on Instagram @Claerb


Hosted on Acast. See acast.com/privacy for more information.


Episodes

The bonus secrets of Financial Times readers

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 secretsFor 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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant 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.
20/02/24·24m 24s

I’m in over my head with debt: what now?

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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant 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.
13/02/24·28m 11s

Tax cuts: will they or won’t they?

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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant more? Check out economics editor Sam Fleming’s article, IMF warns Jeremy Hunt against tax cuts in call to shore up UK public financesListen 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.
06/02/24·25m 32s

Investment Masterclass: An insider's view of the City of London

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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant 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.
30/01/24·27m 1s

I want to save for my long-term future, what should I do?

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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented 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.
23/01/24·29m 29s

Introducing Untold: The Retreat

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.
18/01/24·1m 57s

Mortgage clinic: your questions answered

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/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant more?Read Claer’s column: Why it pays to be picky about mortgage brokersBarclays and Santader announce cuts to UK mortgage ratesHow 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.
16/01/24·28m 10s

Best of Money Clinic - How to keep your food bill down: supermarket hacks

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_raider1And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com 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.
10/01/24·23m 36s

Investment masterclass: The psychology of money

‘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/moneycourseMore information on Morgan Housel and his books: https://www.morganhousel.com/Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented 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.
09/01/24·26m 54s

Credit Card Clinic: How to get on top of your debts in 2024

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/moneycourseLinks: Business Debtline here  Citizens Advice here Stepchange hereDebt Camel Blog hereFor the MSE Credit card eligibility calculator, go here To listen to the Money Clinic episode about shopping addiction, go hereFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comPresented 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.
02/01/24·32m 23s

How to sort out your financial life in 2024

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/moneycourseIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. You can follow Claer on X and Instagram @ClaerbPresented 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.
26/12/23·36m 10s

Best of Money Clinic: Four ways to beat the market

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 hereFind out more about Algy’s book Four Ways to Beat the Market hereYou 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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on X and Instagram @ClaerbPresented 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.
19/12/23·30m 59s

Best of Money Clinic: How an ISA millionaire chooses stocks

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 believerHow to make ISAs even nicerInvestment masterclass: ISA investing is changingIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com 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.
12/12/23·23m 49s

Investment Masterclass: What’s in your global tracker fund?

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 articlesMicrosoft will have observer role on Open AI's new boardTech turkeys and picking AI winnersIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
05/12/23·28m 15s

When is a tax cut not a tax cut? The Autumn Statement digested

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 TVFree links:Tell Sid all you like - but he might not buy NatWestThe Autumn Statement and your moneyQ&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 hereHear 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 money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X and Instagram @ClaerbPresented 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.
28/11/23·27m 49s

Understanding economics: why it matters for your money

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 hereFor more about the FT’s Financial Literacy campaign, go hereFree links to FT articles:AI shakes up the way we work in three key industriesStagnation nation: governing the UK when ‘there is no money’Low income borrowers hit hardest by Bank of England rate risesUK households still under pressure despite lowest inflation in 2 yearsIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 EconomicsRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
21/11/23·30m 25s

Best of Money Clinic: WTF are ETFs?

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 hereIf you'd like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. You can follow Claer on Instagram and X @ClaerbPresented 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.
14/11/23·26m 5s

Investment Masterclass: Nick Train on the case for investing in UK shares

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 money@ft.com with a short description of your problem and how you would like us to help. Follow Claer on Instagram and X @ClaerbPresented 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.
07/11/23·30m 32s

Credit scores: when a small debt becomes a big problem

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 marketHow to improve your credit score If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
31/10/23·33m 53s

Investment masterclass: Deborah Meaden on her life in business

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 emissionsESG ratings: whose interest do they serve?And mentioned in the show:https://makemymoneymatter.co.uk/https://ftflic.com/Clip: BBCIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
24/10/23·31m 19s

Investment Masterclass: Isa investing is changing

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 tradingJeremy Hunt plans Isa overhaul to boost share ownershipHow to make Isas even nicerTime for Isa investors to hold fractional sharesIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
17/10/23·29m 8s

Investment masterclass: what’s one of the world’s leading investors buying?

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 hereThe plight of the ‘permacrisis’ and what to do about itInvestors 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 money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
10/10/23·31m 20s

Help! My parents are being targeted by scammers

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 wantsServices mentioned in this 2-part series:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://www.mylostaccount.org.uk/https://www.deathnotificationservice.co.uk/Telephone preference service: www.tpsonline.org.ukInformation 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 money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
03/10/23·28m 34s

Dad died nearly a year ago: I'm still grappling with his personal finances

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 wantsServices mentioned in the podcast:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://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 money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
26/09/23·30m 33s

FT Weekend Festival live: What next for UK property prices?

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 cutsFestival panel sounds death knell on the housing ladderBonuses, Brexit and Airbnb: impacts on house pricesHas 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 money@ft.com 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.
19/09/23·32m 20s

Money Clinic live: How to get a pay rise

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-itJonathan Black’s careers advice column: https://www.ft.com/dear-jonathanIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
12/09/23·42m 11s

The dark side of the US sports-betting boom

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 boomDisney turns to gamblingUK sets out biggest shake-up of gambling industry since 2005If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
05/09/23·22m 4s

Investment masterclass: Are bonds back?

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:Investors pile into bondsBonds are no longer the safe optionThe appeal of longer bondsHow bonds ate the entire financial systemIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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.
29/08/23·24m 43s

Money Clinic introduces Unhedged: Hot new bad idea

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/unhedgedofferFollow Claer Barret on Twitter and Instagram. Hosted on Acast. See acast.com/privacy for more information.
22/08/23·13m 30s

Money Clinic introduces Unhedged: China slows down

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/unhedgedofferFollow Claer Barret on Twitter and Instagram. Hosted on Acast. See acast.com/privacy for more information.
15/08/23·19m 39s

The high cost of being a wedding guest

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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
08/08/23·28m 13s

The financial advice we'd give to Barbie

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 money@ft.com with a short description of your problem and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 BrosRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
01/08/23·23m 38s

Investment masterclass: WTF are ETFs?

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 buyIf you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
25/07/23·25m 34s

Am I paying too much for insurance?

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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
18/07/23·25m 35s

Investment masterclass: Four ways to beat the market

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 hereYou 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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
11/07/23·30m 27s

Should you top up your National Insurance?

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 2025Find out more about voluntary National Insurance contributionsSee your State Pension forecast and find any gaps in your National Insurance recordCheck your State Pension ageIf you live or plan to retire abroad, click here for the the UK’s International Pension CentreIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com 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 @stevewebb1Presented 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.
04/07/23·25m 42s

Mortgage help: your questions answered

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 riseQ&A: What should I do about my mortgage?For details on the latest government support for mortgage holders see hereMentioned by Claer in the podcast: https://debtcamel.co.ukIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com 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 @ClaerbPresented 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.
27/06/23·30m 53s

When trading crypto becomes an addiction

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 BarnesDon’t treat crypto like gambling – even if it’s largely pointless by Helen ThomasOur 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 money@ft.com 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.
20/06/23·28m 3s

Introducing Unhedged

Introducing Unhedged, a new podcast from the FT. Ethan Wu, Katie Martin and other markets nerds at the Financial Times explain the big ideas behind what’s happening in finance right now. Every Tuesday and Thursday. Subscribe wherever you get your podcasts. Hosted on Acast. See acast.com/privacy for more information.
14/06/23·58s

How an ISA millionaire chooses stocks

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 money@ft.com 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.
13/06/23·23m 16s

Best of Money Clinic: Investment Masterclass: Stuart Kirk has ‘skin in the game’

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 suspectSectors make sense for investors, not themesIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com 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.
06/06/23·26m 41s

Investment masterclass: Should women plan differently for their retirement?

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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbFollow Brooke Masters on Twitter @brookeamastersPresented 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.
30/05/23·22m 49s

What should I do with my cash savings?

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 @brookeamastershttps://www.ft.com/brooke-masters?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74eCheck out Moira’a latest column herehttps://www.ft.com/content/e04ddbf1-bf9c-490c-94ac-657743d55c25?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74eFor more from Georgia, check out the Modernist Financial websiteIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com 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.
23/05/23·24m 20s

Best of Money Clinic: Help! What should I do with my mortgage?

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 hereCheck out a related, previous episode of Money Clinic: Interest rates, bank crises and your moneyWe'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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
16/05/23·21m 23s

Hacking your bills

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:How to get a smart metreFind out if you’re entitled to the new government energy scheme Money Saving Expert guide to council tax bandsOfcom social tariffs and speedsIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com 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.
09/05/23·20m 29s

What they don’t teach you about money

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 powerHow to ask for a pay rise - and when to give oneIsa season this year is a stampedeFind out more about FLIC here You can follow Claer on Twitter and Instagram @ClaerbFollow Isabel Berwick on LinkedInFT 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 workingit@ft.com or Isabel directly at isabel.berwick@ft.comIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com 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.
02/05/23·37m 39s

When to get a financial adviser, and how to choose the right one

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 customersMoira’s recent column: Isas: time to take cover from taxFollow Sally @hickles and Moira @moiraoneill on Twitter. You can follow Claer on Twitter and Instagram @ClaerbIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com 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.
25/04/23·24m 33s

Money and relationships: a crash course

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 personMind the gap! What women need to know about investingChildcare 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 money@ft.com 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.
18/04/23·27m 30s

Investment masterclass: how to keep it simple

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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
11/04/23·21m 46s

Investment masterclass: ‘Money is basically a fiction’

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 YouWe'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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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.
04/04/23·25m 51s

Help! What should I do with my mortgage?

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 hereCheck out last week’s Money Clinic: Interest rates, bank crises and your moneyWe'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 money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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: BloombergRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
28/03/23·26m 36s

Interest rates, bank crises and your money

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 crisisBanking turmoil intensifies the need for better Federal Reserve policymakingWe'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 money@ft.com 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.
21/03/23·24m 8s

What they don’t teach you about money

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 powerThanks 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 money@ft.com 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.
14/03/23·19m 59s

How to financially survive a divorce

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://resolution.org.uk/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 money@ft.com 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.
07/03/23·24m 47s

‘Cash stuffing’: is cash making a comeback?

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 money@ft.com 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.
28/02/23·24m 7s

Investment Masterclass: Stuart Kirk has ‘skin in the game’

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-f1c6778ecfa5Sectors make sense for investors, not themes https://www.ft.com/content/19a0a68f-c3fd-4267-96a7-f2698b38b19eIf you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com 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.
21/02/23·25m 50s

Money Clinic meets: A bank CEO’s view of the cost of living crisis

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 money@ft.com 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.
14/02/23·20m 53s

What higher interest rates mean for your money

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 money@ft.com 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.
07/02/23·25m 50s

‘I was a victim of financial abuse’

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 AbuseUseful 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 money@ft.com 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.
31/01/23·27m 1s

Best of Money Clinic: Investment masterclass — the cheapest way to invest

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 money@ft.com 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-d55b661c24dePassive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809We'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 customer.research@ft.com.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 MusicRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
24/01/23·24m 16s

How do I choose a stocks and shares ISA?

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 investStill sorting out your new year’s finances? Check out Claer’s column Five financial new years resolutions for 2023You 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.comMoney Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTokPresented 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.
17/01/23·25m 40s

Young, gifted and broke — navigating the cost of living crisis

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 money@FT.com 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.
10/01/23·27m 33s

What will 2023 bring for your investments?

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 money@ft.com 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.
03/01/23·27m 16s

New year, new finances: resolutions for 2023

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 money@FT.com 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.
27/12/22·24m 20s

Best of: Money Clinic meets Joe Lycett, comedian and consumer champion

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 money@ft.com 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 @FTMoneyPresented 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.
20/12/22·23m 58s

The crypto winter: will my investments ever recover?

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 newsletterMore from from Rob Armstrong on crypto regulation: The SEC should not touch cryptoMore from Rob Armstrong and his Unhedged newsletterMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at money@FT.com 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, CBSRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
13/12/22·28m 9s

The ultimate tax return guide, revisited

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 money@ft.com 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-abb2ea2d6d93And 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-a14bded3f00dTo check out the HMRC YouTube channel, click hereRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
06/12/22·20m 3s

‘The dopamine is so high’: the psychology of shopping addiction

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:Counselling Directory UKAddiction Counselling Psychology TodayAddiction ProfessionalsSpenders Anonymous Spent: Break the Buying Obsession and Discover Your True Worth by Sally PalaianMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at money@FT.com 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.
29/11/22·24m 0s

Autumn Statement digested: taxing times

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 money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Want more?Votes for rents as Autumn Statement squeezes younger workersJeremy Hunt offers no jam today and none tomorrowThe FT’s quick guide to the autumn statementA dismal outlook for the UK economyPresented 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.
22/11/22·22m 56s

Should I pay off my student loan early?

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 money@FT.com 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 entranceEconomic distress lifts stigma of discussing money troublesPresented 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.
15/11/22·22m 48s

Childcare in the UK: 'Dysfunctional, unaffordable, inaccessible'

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 money@FT.com 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-dbfe2c07c225What’s driving the rich world’s falling fertility? https://www.ft.com/content/2f90b924-3122-4548-85fa-4c5a775c2caeChildcare: female-led social enterprises tackle dysfunctional system https://www.ft.com/content/d576fedd-6577-4c4c-98ac-f3c73fcf6346Joeli 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-costsTo 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=8Presented 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.
08/11/22·26m 12s

High interest rates? Time to get saving

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 money@ft.com 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 @sarahecolesPresented 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.
01/11/22·23m 58s

Should I be worried about my pension?

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 money@ft.com 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.
25/10/22·22m 41s

Investment Masterclass: the cheapest way to invest

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 money@ft.com 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-d55b661c24dePassive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809Presented 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 MusicRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
18/10/22·24m 16s

Mind the gap! What women need to know about investing

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/id1520695849And 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-4e50-97f5-840d800ddbebIf you would like to be a future guest on Money Clinic, email the team via money@ft.com 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 MusicRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
11/10/22·20m 59s

Help! What should I do about my mortgage?

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-9040-4f4b4d247a84Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at money@FT.com 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 @MrJamesPickfordPresented 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.
03/10/22·34m 38s

The mini-budget’s maxi impact: what it means for your money

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-8e40100caac7Traders bet on emergency UK interest rate rise https://www.ft.com/content/c7f815b6-e7f2-43d2-b160-b7b3182e63b4Kwarteng’s ideological approach will leave the Treasury with ‘no money’ https://www.ft.com/content/53709418-7ed6-4b10-b6b0-b2e2d5b77683Kwasi Kwarteng vows to stick with tax cuts despite investor jitters https://www.ft.com/content/5b9d1f87-dc78-4626-bb08-507561c6176aMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at money@FT.com 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.
26/09/22·22m 40s

How to keep your food bill down: cooking hacks

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-ba15-58cddf73bda0And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com 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.
20/09/22·20m 49s

How to keep your food bill down: supermarket hacks

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_raider1And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com 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.
13/09/22·23m 8s

Best of Money Clinic: Investment Masterclass with the Naked Trader

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 siteListen to our previous episode about the advantages of tax free IsasIf you want to get started in investing, listen to this episodeClaer’s free-to-read column about day tradingPresented 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.
06/09/22·22m 23s

Best of Money Clinic: Flying solo with your finances: managing money as a single person

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 @ionajbainFurther 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-bcf1-8304983e8e05If you want to get started in investing, listen to this episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1A free-to-read column about the costs of dating: https://www.ft.com/content/222445d5-ba61-4161-a900-ed2b7d74dab2Presented 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.
30/08/22·24m 37s

Introducing: 'A sceptic's guide to crypto'

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=Ep1Check 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.
23/08/22·29m 15s

Introducing a new series of Tech Tonic

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/technologyPresented 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.
17/08/22·1m 0s

Best of Money Clinic: Could you retire in your thirties with FIRE?

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=1Claer’s free-to-read column about the problems with FIRE is here: https://www.ft.com/content/f4283596-c967-11e9-a1f4-3669401ba76fAnd her column about active vs. passive funds is here: https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24dePresented 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.
16/08/22·33m 8s

The rental crisis: Help, I’ve been priced out of the market

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 money@FT.com 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.
09/08/22·26m 3s

Can I afford to take a sabbatical?

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 money@ft.com 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.
02/08/22·22m 32s

How much is high inflation costing you?

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 money@ft.com 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 @SaraheColesTo 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.
26/07/22·24m 30s

Travel chaos: how to get your money and luggage back

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-d9e3-4599-9615-5c2546830071Simon 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 money@ft.com 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.
19/07/22·24m 19s

I’ve been defrauded - why won’t my bank refund me?

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-83a5-79b7471afc1aHow 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 money@ft.com or send Claer a message on Instagram, Twitter or TikTok - she’s @ClaerbPresented 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.
12/07/22·25m 26s

Repeat: I lost £17,000 to a fraudster

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-3af8789a2daeClaer’s column on record online fraud in the UK:https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1aTo 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 money@ft.com or send Claer a message on Instagram, Twitter or TikTok - she’s @ClaerbPresented 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.
05/07/22·25m 29s

Introducing: Hot Money

The FT just launched a new podcast on porn, power and profit. When FT reporter Patricia Nilsson started digging into the porn industry, she made a shocking discovery: nobody knew who controlled the biggest porn company in the world. Now, she and her editor, Alex Barker, reveal who is behind it and much more. This eight-part investigative podcast reveals the secret history of the adult business and the billionaires and financial institutions who shape it. Brought to you by the Financial Times and Pushkin. To listen to new episodes, search ‘Hot Money’ wherever you listen. Hosted on Acast. See acast.com/privacy for more information.
01/07/22·32m 38s

Busting the myths about credit scores

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-11e9-9222-7024d72222bcIf you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com 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.
28/06/22·24m 48s

Making sense of the meltdown in markets

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-a6f7-6c21deef278dThe financial advice that older FT readers would pass down to younger investors:  https://www.ft.com/content/1d71cdc1-5a7d-464a-9d82-bbf7b29a4656If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com 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.
21/06/22·32m 45s

Dad, mum or the internet: who taught you the most about money?

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 money@ft.com 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.
14/06/22·24m 25s

Introducing Working It: How I got a 36% pay rise

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-9ded3358a324Two 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-cf5181e1678dhttps://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 workingit@ft.com or Isabel directly at isabel.berwick@ft.com. 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.
07/06/22·21m 29s

Behind the Money: A crypto vibe shift?

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/BTMMCFirst 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.
01/06/22·19m 35s

How can I reduce my energy bill?

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 money@ft.com 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.
31/05/22·22m 18s

‘I lost all my money’: Lessons from the crypto crash

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.
24/05/22·30m 20s

Behind the Money is back!

Behind the Money is back with all-new episodes! From hostile takeovers to C-suite intrigue, Behind the Money takes you inside the business and financial stories of the moment with reporting from Financial Times journalists around the world. The podcast returns May 25. You can follow the show now! Hosted on Acast. See acast.com/privacy for more information.
20/05/22·1m 21s

I hate maths — is that why I’m bad with money?

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 money@ft.com 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.
17/05/22·22m 31s

How can I scale up my side hustle?

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 money@ft.com 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.
10/05/22·28m 45s

Mortgage basics: how do we buy our first property?

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 money@ft.com 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-a4bd26b6d89bThis 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-ar7uu5s1fycxPresented 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.
03/05/22·30m 8s

Help! My partner and I keep arguing about money

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 money@ft.com 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/35qQJZdPresented 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.
26/04/22·31m 14s

Should I spend, save or invest my bonus?

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 money@ft.com 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-a43e0d000995James Max on how to get a bigger bonus: https://www.ft.com/content/aacbd190-535c-47dc-8046-b9ea31415acaWant advice getting a pay rise? Listen to this episode of Money Clinic: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837dPresented 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.
19/04/22·26m 21s

What the Rolling Stones roadies can teach you about money

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 money@ft.com 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-bfc49aae0e16And 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-deb23edcd2baCIf 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-591f2be296e4Sorting out your pension: https://www.ft.com/content/99d962b7-dd15-4a7c-a3c8-40ba883ea1beAnd financial tips for the self employed: https://www.ft.com/content/9889e9c6-1168-4a5d-b5a6-8ab84ea36c92 Hosted on Acast. See acast.com/privacy for more information.
12/04/22·25m 4s

What’s my financial gameplan in turbulent times?

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 money@ft.com 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.  Hosted on Acast. See acast.com/privacy for more information.
05/04/22·31m 1s

Time for an investment makeover

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-591f2be296e4Want to talk to Claer on the show? Email money@ft.com or drop her a line on Instagram @ClaerbFinally, 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. Hosted on Acast. See acast.com/privacy for more information.
29/03/22·29m 45s

Is gold the safest place to invest?

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-webbPresented 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.
22/03/22·25m 34s

Budget to beat the rising cost of living

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-vnF4Here’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-homeTo listen to our previous episode How to get a payrise, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837dCharlotte’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. Hosted on Acast. See acast.com/privacy for more information.
15/03/22·29m 18s

A new season of Money Clinic

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. Hosted on Acast. See acast.com/privacy for more information.
08/03/22·57s

Repeat - How to ask for a pay rise - and get one!

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/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
11/01/22·30m 8s

Bonus episode - The ultimate tax return guide

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 money@ft.com 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-abb2ea2d6d93And 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- a14bded3f00dTo claim the working from home allowance, follow this link to the Gov.uk website: https://www.gov.uk/tax-relief-for-employees/working-at-homeTo check out the HMRC YouTube channel, click here https://www.youtube.com/user/HMRCgovuk/playlists Hosted on Acast. See acast.com/privacy for more information.
04/01/22·20m 8s

Crypto in the classroom, and why we need better financial education

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  Hosted on Acast. See acast.com/privacy for more information.
21/12/21·23m 17s

Repeat - What’s your financial New Year’s resolution?

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 money@ft.com 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 @TheHumblePennyIf 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-a5517c6cb3d3And 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-b0b4-6a82c011c3baAnd 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 Hosted on Acast. See acast.com/privacy for more information.
14/12/21·25m 33s

Repeat - How can I use Isas to invest or buy a property?

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 money@ft.com 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-99b4-107ea093d3fcIf 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-fe36ec32aecHarleigh Reid also hosts her own YouTube site: https://www.youtube.com/user/TheHarlszCheck 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 Hosted on Acast. See acast.com/privacy for more information.
07/12/21·24m 36s

Repeat - Help! I need to sort out my pensions

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
30/11/21·26m 27s

How to ask for a pay rise - and get one!

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/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
23/11/21·29m 3s

How to invest for a greener future

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 money@ft.com 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.  Hosted on Acast. See acast.com/privacy for more information.
16/11/21·23m 18s

The financial secrets of footballers, part two

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 money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerBFor 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-98b9-6d0bc169c440Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner. Clips: afcbTV Hosted on Acast. See acast.com/privacy for more information.
09/11/21·24m 38s

The financial secrets of footballers, part one

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 money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerBIf 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-6d20f7d2b3f8Check 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 Hosted on Acast. See acast.com/privacy for more information.
02/11/21·24m 23s

Introducing Working It: Can wellness apps fix us and beat staff burnout?

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 workingit@ft.com. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: isabel.berwick@ft.com. Thanks. Mentioned in the podcast and other interesting reading:Emma Jacobs’ prophetic pre-pandemic guide to workplace wellness by app: https://www.ft.com/content/d1d58aae-437c-11ea-abea-0c7a29cd66feFT series, Burnout: https://www.ft.com/burnoutDeloitte report [2020] on employee mental health showing £5 benefit for every £1 spent: https://www2.deloitte.com/uk/en/pages/consulting/articles/mental-health-and-employers-refreshing-the-case-for-investment.html  Video, Emma Jacobs on how to detox from your smartphone: https://www-ft-com.newman.richmond.edu/video/b4115321-b915-3a42-9814-ad0be4c0e7f5?playlist-name=section-0b83bc44-4a55-4958-882e-73ba6b2b0aa6&playlist-offset=206Presented 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. Hosted on Acast. See acast.com/privacy for more information.
30/10/21·18m 2s

Investment Masterclass with fund manager Baillie Gifford

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 money@ft.com The podcasts Malcolm mentioned are:Farnam Street https://podcasts.apple.com/gb/podcast/the-knowledge-project-with-shane-parrish/id990149481Coburn Ventures https://open.spotify.com/show/3aKPYkLblhxAAPMj3BCgR6?si=QmAPgFCUSVWA5ENKXETuJAPatrick O’Shaughnessyhttps://open.spotify.com/show/22fi0RqfoBACCuQDv97wFO?si=QjYqX5dVRLC2K6e2uf8zyAPresented by Claer Barrett. Produced and edited by Clare Williamson and Persis Love. Sound design by Breen Turner. Hosted on Acast. See acast.com/privacy for more information.
26/10/21·25m 8s

Martin Lewis on what the student loans shake-up could cost you

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 youWatch 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 money@ft.com 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.
19/10/21·26m 5s

'My life expectancy was 9 years old': Why I never thought I’d need a pension

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 pensionsMoira’s FT column about pension saving in your 40s is available hereClaire Walsh’s website is hereThe Cystic Fibrosis Trust has published this guide about employment rightsPresented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner. Hosted on Acast. See acast.com/privacy for more information.
12/10/21·25m 8s

'Bitcoin is the best form of money': Investment notes from a crypto expert

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. Hosted on Acast. See acast.com/privacy for more information.
05/10/21·24m 45s

Flying solo with your finances: managing money as a single person

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 @ionajbainFurther reading:Here is Francesca Specter’s Alonement siteIona Bain’s Young Money blogListen to our previous episode about budgetingIf you want to get started in investing, listen to this episodeA free-to-read column about the costs of dating  Hosted on Acast. See acast.com/privacy for more information.
28/09/21·23m 49s

Investment Masterclass with the Naked Trader

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 Hosted on Acast. See acast.com/privacy for more information.
21/09/21·22m 26s

Could you retire in your thirties with FIRE?

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 Hosted on Acast. See acast.com/privacy for more information.
14/09/21·31m 14s

Money Clinic meets Joe Lycett

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 money@ft.com 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 holidaySay hello on social media: You can follow Claer on Twitter and Instagram @ClaerbYou can follow Joe Lycett on Twitter and Instagram @JoeLycett  You can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.
07/09/21·26m 25s

Repeat - Financial tips for the self-employed

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
03/08/21·21m 33s

Repeat - How can I get started as an investor?

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 money@ft.com 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-fe36ec32aeceIf you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PPA 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-a1acd97f622dWe 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 @ClaerbYou can follow Jason Butler on Twitter and Instagram @JBtheWealthMan You can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.
27/07/21·19m 33s

Bonus episode - Help! I lost all my savings to a scammer

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.  Hosted on Acast. See acast.com/privacy for more information.
20/07/21·24m 50s

Bitcoin: “I’ll either be rich, or wrong”

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 money@ft.com -— 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 Hosted on Acast. See acast.com/privacy for more information.
25/05/21·29m 44s

How can I change my money mindset?

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 money@ft.com. 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 @TimHarfordRead Ellie Austin-Williams’s blog on exploring your ‘money mindset’ on her website This Girl Talks Money and follow her on Instagram @ThisGirlTalksMoneyIf 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 Hosted on Acast. See acast.com/privacy for more information.
18/05/21·27m 15s

Could I borrow to invest?

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 money@ft.comClaer 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 InstagramFurther readingHere’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 BelongingJason’s FT columns are available here. You can follow him on twitter and instagram and be sure to checkout his podcastJason recommends reading John Kenneth Galbraith’s The Great Crash 1929 and watching Capital in the Twenty-First CenturyFor the latest on market trends, follow the FT’s markets page. Hosted on Acast. See acast.com/privacy for more information.
11/05/21·26m 33s

Investment masterclass with Merryn Somerset Webb

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: money@ft.com  Hosted on Acast. See acast.com/privacy for more information.
04/05/21·22m 26s

The finances of moving overseas

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 money@ft.com Hosted on Acast. See acast.com/privacy for more information.
27/04/21·25m 15s

Money Clinic meets Anne Boden

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 money@ft.com  Hosted on Acast. See acast.com/privacy for more information.
20/04/21·21m 41s

Can my money help save the planet?

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 money@ft.com or follow her on Instagram and Twitter @ClaerBFurther 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 Hosted on Acast. See acast.com/privacy for more information.
13/04/21·22m 5s

Will having a baby break my finances?

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 money@ft.com or follow her on Instagram and Twitter @ClaerBFurther 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 Hosted on Acast. See acast.com/privacy for more information.
06/04/21·24m 26s

What happened next: Should I buy a shared ownership property?

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
30/03/21·24m 4s

What happened next: Pay off the credit card or buy a house?

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 money@ft.com, 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 Hosted on Acast. See acast.com/privacy for more information.
23/03/21·26m 47s

What happened next: The jeweller redesigning her business

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 money@ft.com, 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 Hosted on Acast. See acast.com/privacy for more information.
16/03/21·27m 46s

Beyond GameStop: the day trader turned investor

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 money@ft.com 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” Hosted on Acast. See acast.com/privacy for more information.
09/03/21·22m 51s

Money Clinic meets Gina Miller

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 money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
02/03/21·22m 13s

Financial tips for the self-employed

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
23/02/21·19m 56s

Starting your debt free journey

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
16/02/21·23m 28s

How can I use Isas to invest or buy a property?

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 money@ft.com 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  Hosted on Acast. See acast.com/privacy for more information.
09/02/21·22m 58s

How can my small business survive Covid?

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 money@ft.com 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 measuresIf your business is in financial trouble, here are links to some free sources of support mentioned in the podcast: Business DebtlineForgotten LtdExcluded UK The charity Turn2Us has a very user friendly benefits calculator If you are looking for more information about finding an insolvency practitioner, please see: The Insolvency Service R3 (the trade body for insolvency practitioners)  Hosted on Acast. See acast.com/privacy for more information.
02/02/21·22m 30s

Should I rent out my property?

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 money@ft.com 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  Hosted on Acast. See acast.com/privacy for more information.
26/01/21·20m 43s

Help! I need to sort out my pensions

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 money@ft.com 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 planningTina’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 firmsTo 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 serviceThe 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 pensionContact 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 overseasWant 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 optionsEmma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions areFinally, if you need some further pensions inspiration on social media, you can follow Catherine Morgan on Instagram Hosted on Acast. See acast.com/privacy for more information.
12/01/21·24m 57s

What’s your financial New Year’s resolution in 2021?

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
31/12/20·23m 36s

Ideas for your finances in 2021

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 money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
22/12/20·2m 59s

Should I quit Wall Street to pursue my passion project?

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
15/12/20·24m 10s

The dangers of being a ‘money mule’

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 money@ft.com 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 Hosted on Acast. See acast.com/privacy for more information.
08/12/20·20m 13s

How to start a side hustle

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 money@ft.com. 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 Hosted on Acast. See acast.com/privacy for more information.
01/12/20·22m 19s

The finances of moving in together

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 money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
24/11/20·22m 58s

Can a second career save my retirement?

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 money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
17/11/20·23m 50s

A young entrepreneur's story

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  Hosted on Acast. See acast.com/privacy for more information.
10/11/20·21m 31s

Should I buy a shared ownership property?

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 Hosted on Acast. See acast.com/privacy for more information.
03/11/20·18m 56s

Can ESG investing really change the world?

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 money@ft.com 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. Hosted on Acast. See acast.com/privacy for more information.
27/10/20·24m 31s

Should I pay off my credit cards or buy a house?

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 money@ft.com 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.  Hosted on Acast. See acast.com/privacy for more information.
20/10/20·25m 15s

Advice for graduate job seekers

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 money@ft.com with a short description of your problem, and how you would like us to help. Further ReadingIf 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-fac8325aaa04If 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-jonathanThis 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-a109-483c62d17528Iona 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/B08JVFLFFRIona 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-f403-44c0-8ad6-1648460f7900You can follow Claer Barrett on Twitter and Instagram @ClaerbYou can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.
13/10/20·21m 40s

How can I get started as an investor?

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 money@ft.com 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-fe36ec32aeceIf you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PPA 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-a1acd97f622dWe 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 @ClaerbYou can follow Jason Butler on Twitter and Instagram @JBtheWealthMan You can follow FT Money on Twitter @FTMoney Hosted on Acast. See acast.com/privacy for more information.
06/10/20·18m 1s

The ‘silver squeeze’ on retirement hopes

If you’re thinking of taking early retirement - don’t. That’s the blunt assessment from financial advisers on both sides of the Atlantic, who fear that volatility on the stock markets - not to mention pressures within the jobs market - will be a toxic combination for those in their 50s and 60s who are planning to retire. FT Money Show presenter Claer Barrett and guests discuss the practical steps investors can take to secure a better future.  Hosted on Acast. See acast.com/privacy for more information.
19/06/20·15m 54s

Growth vs value investing: the gap widens

Crisis? What crisis? On Monday, investors in the main US stock market index, would have been up on the year as the S&P 500, incredibly, regained the group lost to the coronavirus. FT Money show presenter Claer Barrett talks to special guest Merryn Somerset Webb about how globally, markets are getting their mojo back thanks to huge amounts of government stimulus, and big US tech companies like Amazon and Netflix have prospered under lockdown conditions - showing that yet again, investing for growth has trumped investing for value. But how long can it go on for - and should investors fear a second slump?    Hosted on Acast. See acast.com/privacy for more information.
11/06/20·10m 9s

How to give money to your children during the pandemic

There’s nothing like a global pandemic to remind people of their own mortality and coronavirus has sent individuals rushing to get their financial affairs in order. In this week's FT Money show presenter Lucy Warwick-Ching talks to guests - Julia Cox, partner at Charles Russell Speechlys and Ian Dyall, head of estate planning at Tilney - about how best to pass money down the generations. From trusts to family investment companies, or regular gifts out of income - how can you give your children or grandchildren money without being hit by high taxes? We discuss the issues. Hosted on Acast. See acast.com/privacy for more information.
04/06/20·12m 46s

Can I get my money back for cancelled flights?

FT Money presenter Claer Barrett talks to FT columnists Michael Skapinker and Lindsay Cook about the issues travellers are experiencing, which airlines appear to be the best and worst and how UK listeners can go directly to their credit or debit card provider to request a refund for cancelled flights and holidays. Hosted on Acast. See acast.com/privacy for more information.
28/05/20·19m 58s

Will UK taxes have to rise to pay for the pandemic?

Will UK taxes go up in the near future? A leaked Treasury document shows the government is pondering some taxing questions. In this week's FT Money Show podcast Claer Barrett and guests discuss what could happen - and when. Plus, financial planning is a topic we know many of you are turning to under lockdown - Michael Martin from Seven Investment Management gives some tips on what to prioritise. Hosted on Acast. See acast.com/privacy for more information.
21/05/20·19m 8s

Shoring up your personal finances

As the chancellor commits to spending billions more on support packages for workers and companies, FT Money presenter Claer Barrett and experts explain what you could claim. Next up on the show, maths teacher and TV personality Bobby Seagull talks about this year’s National Numeracy Day - an opportunity for people of all ages to boost their numeracy and money management skills. Hosted on Acast. See acast.com/privacy for more information.
14/05/20·22m 35s

Learning about money and rich people's problems

Claer Barrett and Lucy Warwick-Ching discuss covert and overt ways to interest children in learning about money, and columnist James Max reveals that his biggest problem during the lockdown has been keeping his house clean without his regular cleaner.  Hosted on Acast. See acast.com/privacy for more information.
07/05/20·18m 25s

Investing through the crisis

Claer Barrett explores some of the biggest issues facing small investors with investment columnist Merryn Somerset Webb and Fidelity’s Maike Currie.  Hosted on Acast. See acast.com/privacy for more information.
30/04/20·14m 3s

What you should do if your company wants to cut your pay

There are lots of pressures on household budgets at the current time, but experts on the FT Money show are here to guide you through it. On this week's podcast we’re going to be talking about worker’s rights if companies want to cut their pay; whether you should take a ‘payment holiday on your mortgage’, and how to get a refund on a holiday you can no longer take - our Money Mentor Lindsay Cook is here to help. And with children at home, we’ve also got ideas to inspire them to learn more about money matters - and there’s even a competition parents can enter for sharing their best ideas. Hosted on Acast. See acast.com/privacy for more information.
23/04/20·25m 0s

Individual Savings Accounts - could these tax free wrappers take over from pensions as our preferred savings vehicle?

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions.  Hosted on Acast. See acast.com/privacy for more information.
19/03/20·10m 43s

UK Budget, coronavirus planning and crashing stockmarkets

It's been a week of shock and awe for UK investors. Wednesday started with an emergency interest rate cut from the BoE. New chancellor Rishi Sunak then delivered a Budget full of emergency "first aid" measures to help workers, the self employed and small businesses survive the crisis - and some very unexpected news for wealthy pension savers. And in the meantime - stock markets around the world continue to experience deep falls as central banks work out how to respond to the coronavirus. Hosted on Acast. See acast.com/privacy for more information.
13/03/20·25m 28s

Campaign for clear pension charges, how the coronavirus has hit stock markets and coal fires

Join our campaign for clear pension charges - FT Money has been exploring the impossibility of comparing the costs of drawdown plans. The FT is calling on the pensions and advise industry to be transparent about charges to help people to shop around. In this week's show, FT Money Show presenter Claer Barrett interviews o the FT's pensions expert about our campaign. Next up, the spread of the coronavirus has given world stock markets a nasty turn - FT Moneys' new investment reporter, Madison Darbyshire, talks about how investors are reacting. And finally, to cheer listeners up a bit - James Max, our Rich People's Problems columnist is here to discuss a burning issue - the government's proposed ban on coal fires.  Hosted on Acast. See acast.com/privacy for more information.
05/03/20·30m 20s

Split mortgages, scams, and free money for childcare

Do you want to find out how to do the splits on your mortgage? FT Money Show presenter Claer Barrett is not talking about stretching yourself, but instead, how thousands of borrowers are finding their mortgage lender is flexible enough to give them more than one type of mortgage. Next up, nearly a million people reported scam calls, texts or emails from criminals posing as UK tax authority HMRC last year - we tell you how to protect yourself. And finally, despite the rising cost of childcare, statistics show a million parents are not claiming for the tax free childcare they are entitled to - are you one of them? Hosted on Acast. See acast.com/privacy for more information.
27/02/20·27m 25s

Finance on Instagram: what's not to like?

The "Instagram generation" are more famous for sharing consumption-driven images than being savvy with money - but the social media platform is increasingly providing the "inspo" for young people looking to save money, learn to budget, start investing or get out of debt. Presenter Claer Barrett talks to FT Money writer Katharine Gemmell and FT columnist Jason Butler.  Hosted on Acast. See acast.com/privacy for more information.
20/02/20·30m 33s

Pensions tax relief, Winter fuel allowance and Britain's house prices

Is time running out for pensions tax relief? Chancellor Sajid Javid is reported to be considering a major shake-up of pensions at the Budget in a months time. The FT's pensions correspondent Josephine Cumbo talks to FT Money editor Claer Barrett about what form this could take. Next up, we debate the value of the Winter Fuel Allowance for wealthy pensioners. And finally, our resident property guru James Pickford on how the next property cycle could turn out.  Hosted on Acast. See acast.com/privacy for more information.
13/02/20·24m 20s

Pensions advice, new overdraft rules and Latin terms in the investment world

Have you been mis-sold pensions advice? FT Money Show presenter Claer Barrett talks to the FT's pensions expert Josephine Cumbo about the suitability of financial advice in relation to retirement planning. Next up on the show we discuss how the new bank overdraft rules could affect you. And finally, does your financial adviser speak your language? FT columnist Moira O'Neill has spoken out against the widespread use of Latin terms in the investment world - should it be allowed to continue ad infinitum?    Hosted on Acast. See acast.com/privacy for more information.
06/02/20·24m 12s

Stock picking competition, how to get a pay rise and company pensions

Could your stock picking skills beat the market this year? In this week's FT Money Show podcast presenter Claer Barrett talks to FT Markets reporter Robert Smith about the results of our 2019 contest between readers and FT journalists. Plus we give you details of how to enter this year's competition. Next up, January's nearly over but you still have another 11 months to make good on your New Year's resolutions. If you had resolved to get a pay rise or sort out your pension this year, keep listening as help is at hand.  Hosted on Acast. See acast.com/privacy for more information.
30/01/20·22m 40s

The $1.6tn US student debt nightmare

Student debt in the US is crippling millions of Americans. Last year the amount students owed came to a total of $1.6tn - that's 8 per cent of the country's national income. This week we hear from one of the 45m students paying back debts to the government. FT Money Show presenter Lucy Warwick-Ching talks to FT reporter Alice Kantor about why university is so expensive in the US compared to the UK and whether there is anything that can be done about it. Hosted on Acast. See acast.com/privacy for more information.
23/01/20·12m 31s

Pensions tax relief, buy to let and buying a new car

The well-advised wealthy are worrying that pensions benefits could be cut. FT Money Show presenter Claer Barrett asks the FT's pensions expert for the details. Next up we discuss whether it's better to invest in buy to let or a holiday let? And if you're thinking of buying a new car you might change your mind about how you finance it after you listen to this podcast.  Hosted on Acast. See acast.com/privacy for more information.
16/01/20·26m 18s

Has Harry Potter been a wizard with his finances

Harry Potter will turn 40 in the year 2020, but has he been a wizard with his finances? Presenter James Pickford speculates on his fictional fortune with Moira O’Neill, head of personal finance at Interactive investor - plus we look at the financial impact of a Dry January, and where to find the best deals on gym membership. Hosted on Acast. See acast.com/privacy for more information.
09/01/20·19m 40s

You’ve made a financial mistake - now what

2019 has been a bumper year for bad investments - the unravelling of Neil Woodford's investment empire has left many nursing heavy losses, others have lost money in mini bonds or have money trapped in property funds. Presenter Claer Barrett talks to experts about what people should do if their investments haven't worked. Plus, as we enter the season of goodwill we tell listeners how to talk to their family about money.   Hosted on Acast. See acast.com/privacy for more information.
18/12/19·24m 34s

What you need to know before hiring a nanny

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. Hosted on Acast. See acast.com/privacy for more information.
12/12/19·25m 19s

The general election and your finances, the gender pensions gap and our love/hate relationship with cash

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash. Hosted on Acast. See acast.com/privacy for more information.
05/12/19·31m 14s

What happens to our digital assets and online accounts when we die?

Have you ever counted how many online accounts you have? Do you listen to music on Spotify, upload your pictures to the cloud or hold your savings in an online bank account? If the answer is yes to any of these questions you should consider what happens to these assets when you die. On this week's FT Money show presenter Lucy Warwick-Ching delves into the world of digital legacies - from Facebook to cryptocurrencies. She talks to Angharad Lynn of VWV, James Norris of the Digital Legacy Association and Ian Bond of the Law Society about the rise of digital wills and end of life planning companies. Hosted on Acast. See acast.com/privacy for more information.
28/11/19·18m 1s

Investment trusts: family trusts, dividend heroes and compared to other investments

On this week's FT Money show we discuss investment trusts and the different ways investors can use them in their portfolios. Presenter Emma Agyemang, FT Money reporter, talks to Jason Hollands, managing director at Tilney Group and Moira O'Neill of interactive investor about how listeners can invest alongside the wealthiest families. Plus, the dividend heroes - which offer the most consistent income and are they still a good option for investors? And finally, Merryn Somerset Webb tells listeners why she thinks investment trusts have a better chance of lasting a lifetime compared to other assets. Hosted on Acast. See acast.com/privacy for more information.
22/11/19·30m 41s

How to find a financial adviser, general election planning for your finances and the rise of the 40 year mortgage

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours. Hosted on Acast. See acast.com/privacy for more information.
14/11/19·27m 29s

Election planning for your finances, digital tax returns and balancing your budget

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget.  Hosted on Acast. See acast.com/privacy for more information.
07/11/19·31m 0s

How much do you need to retire on? The answer is more than you think

There's been a series of scary surveys this week about how much we need to save to fund our retirement so Claer Barrett, FT Money editor, has invited Moira O'Neill from Interactive Investor joins onto the podcast to talk us through the numbers. Next up, have you heard of a Susu? Emma Agyemang reveals details about the revival in this decades-old method of saving. And finally, the FT's Rich People's Problems columnist James Max joins us in the studio to discuss the cost of getting a new puppy. Hosted on Acast. See acast.com/privacy for more information.
31/10/19·25m 11s

How to set up your own investment club

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 Hosted on Acast. See acast.com/privacy for more information.
24/10/19·20m 40s

Are you facing losses from the closure of the Woodford equity income fund?

Hundreds of thousands of investors with money trapped in the Woodford Equity Income fund found out this week that the fund is to be liquidated, the fund manager would be sacked and that their money would be returned to them eventually. Claer Barrett, FT money editor, talks to guests about how much money investors have lost and how much they are likely to get back and when. Plus we hear from someone who was landed with a £476 fine and a criminal record - just for forgetting to charge her iphone.  Hosted on Acast. See acast.com/privacy for more information.
17/10/19·32m 16s

You probably have a pension - but have you got a retirement plan?

It's financial planning week and this year's theme is retirement planning. As part of the initiative, thousands of certified planners are offering a free hour-long session to people wanting help with setting their financial goals. FT Money deputy editor James Pickford talks to the FT's pensions correspondent about retirement planning. Plus we hear from Jackie Lockie, head of financial planning with the CISI, and Patrick Connolly of Chase de Vere, about how best to plan for retirement. Hosted on Acast. See acast.com/privacy for more information.
10/10/19·17m 40s

Students: top tips on how to budget at university

What's the best bank account for students? Who will give you an interest-free overdraft? And how can you get hold of a student railcard? Lucy Warwick-Ching, FT Money digital editor talks to three experts about how to make the most of your money as a student. Plus we hear how your credit rating as a student can affect your ability to get finance long after you've finished studying. And finally Guy Anker of Moneysavingexpert.com tells us why you shouldn't automatically pay off your student loan if you can afford it.  Hosted on Acast. See acast.com/privacy for more information.
03/10/19·15m 16s

Would you lend your parents money?

FT journalist Alice Kantor's recent column "Why I refused to lend money to my parents" is one of the FT Money's most-read and most commented columns ever. Claer Barrett, FT Money editor, invites Alice onto the show to talk to her about why she said no to her parents request for a loan. We also hear tips on how listeners can say no to friends and family who ask to borrow money.  Hosted on Acast. See acast.com/privacy for more information.
26/09/19·22m 39s

Escape the motherhood penalty, teenage investors and 'best buy' investment lists

Having a baby is one of the best things that could happen in your life - but sadly it could also be the worst thing that could happen to your finances. We discuss the effects of the gender pay gap. Plus FT Money editor Claer Barrett talks to guests about what kind of investor Adrian Mole could have grown into. And what could happen to the 'best buy' lists used by fund supermarkets in the wake of the Woodford scandal? Hosted on Acast. See acast.com/privacy for more information.
19/09/19·20m 25s

Financial Room 101 - what would you most like to banish?

What are the biggest barriers to managing our money? Special guests Martin Wolf, Bobby Seagull and Justin Urquhart Stewart tell presenter Claer Barrett what they would banish to ‘Room 101’ to improve the nation’s finances. This week's podcast comes to you from the FT Money tent at the FT Weekend Festival at Kenwood House.  Hosted on Acast. See acast.com/privacy for more information.
12/09/19·41m 28s

Do you have a joint bank account with your partner?

As research shows modern couples are more likely to keep their finances separate, presenter Claer Barrett and guests debate how women in particular are managing their money. Plus, ahead of the new university term we reveal finance tips for students and their parents, and ask what could emerge as the next consumer misselling scandal after PPI. Hosted on Acast. See acast.com/privacy for more information.
05/09/19·23m 48s

Could you profit from a last minute PPI claim?

With a matter of days until the deadline, presenter Claer Barrett discusses the practicalities of making a claim online with the FT's Money Mentor Lindsay Cook. Plus, how to build effective money habits, and the growing NHS pensions row.  Hosted on Acast. See acast.com/privacy for more information.
16/08/19·26m 22s

Investing for the under 40s - the pros and cons of the Lifetime Isa

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?  Hosted on Acast. See acast.com/privacy for more information.
08/08/19·23m 44s

Your money under a Boris government

As fears of a 'No Deal Brexit' rise, the pound and share prices of UK domestic stocks have tumbled. Some might see this as a buying opportunity - yet others fear there's further to fall. Termed 'The BoJo trade' by investment pundits, Claer Barrett, FT Money editor asks - which side of this trade are you on? Next up on the show - why are some investors moving into defensive stocks? And finally, we hear from our Rich People's columnist, James Max, about the cost of private medical insurance.  Hosted on Acast. See acast.com/privacy for more information.
01/08/19·25m 19s

How to enjoy your retirement, and top tips for getting the best deal on your holiday money

If ever there was a word that needed to be retired it's 'retirement'. The kind of images this word conjures up is sunny beaches and no longer having to set an alarm clock, or a stressful feeling about how much longer you will need to work to afford such a lifestyle. This week author Don Ezra talks to FT Money editor Claer Barrett about how best to get to and enjoy what used to be called retirement. Next up, if you're heading off on holiday soon then listen to our top tips on how to get the best deal on your holiday money.  Hosted on Acast. See acast.com/privacy for more information.
25/07/19·28m 0s

Inheritance tax rules, confusion over freelance tax payments and investing in fine wines

Inheritance tax rules are due for a shake up - FT Money editor Claer Barrett asks whether efforts to simplify the system can ever shake off its claim to be "Britain's most hated tax"? Next, experts discuss whether the IR35 tax rules are flawed or not. And finally, Alan Livsey, the FT's wine buff talks about an investment that is literally liquid - fine wine. Hosted on Acast. See acast.com/privacy for more information.
18/07/19·19m 40s

Does your state pension add up?

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.  Hosted on Acast. See acast.com/privacy for more information.
11/07/19·30m 44s

Retirement homes, mobile phone bills and tennis club membership

Retirement property has a reputation for being a rip off, but several large operators claim to have reinvented the model. The FT's Money Mentor columnist Lindsay Cook joins Claer Barrett to discuss the issues. Next up, is your mobile phone a drain on your finances? Guy Anker from MoneySavingExpert tells us how. And finally, listeners hear from the FT's Rich People's Problems experts about the controversy surrounding his local tennis club. Hosted on Acast. See acast.com/privacy for more information.
04/07/19·20m 8s

'Facebank', financial scams and shareholder rights

Facebook plans to shake up the finance world with a new digital currency called Libra - we hear about its pros and cons. Next up, we discover what Moll Flanders, the literary anti-heroine, can tell us about modern day bank fraud. And finally we find out how smaller shareholders can stand up for their rights.  Hosted on Acast. See acast.com/privacy for more information.
27/06/19·17m 42s

Mid-life financial MOT, credit card debts and Britain's growing tax gap

Do you find yourself stumped by questions about how much to put towards your mortgage payment versus your investments? It may be time for a midlife financial MOT. Presenter James Pickford talks to FT reporter Lucy Warwick-Ching about why advisers are targeting people in their forties and fifties. Next, we speak to a woman who cleared credit card debt to the tune of £16,000. And finally, we discuss what's behind Britain's growing tax gap.  Hosted on Acast. See acast.com/privacy for more information.
20/06/19·17m 16s

The true cost of regulation, how to manage our spending habits and new payment card measures

How much are you really paying in your taxes to regulate the banks? Presenter James Pickford talks to Paul Lewis, Moneybox presenter about how much it costs to make sure the financial services industry doesn't break the rules. Next, we tell you how to keep your money plans on the straight and narrow. And finally, FT Money Mentor Lindsay Cook sings the praises of a payment card measure that is little promoted by banks but can be extremely effective for consumers. Hosted on Acast. See acast.com/privacy for more information.
13/06/19·17m 22s

Neil Woodford, YouTube millionaires and Rich People's Problems

Neil Woodford, the star fund manager who launched his own equity fund five years ago, was forced to halt withdrawals from his Equity Income fund last week - FT Money's deputy editor talks to investment reporter Kate Beioley about what went wrong. Next up, listeners hear how to become a Youtube millionaires, and what your choice of wristwatch says about you.  Hosted on Acast. See acast.com/privacy for more information.
06/06/19·19m 45s

Barbie turns 60 - but how big is her pension?

Barbie has had more than 200 careers over the past 60 years, including an astronaut, news anchor, fashion model and pop star. But what financial challenges does she face as she heads towards the Barbie Retirement Dream Home? Presenter Claer Barrett talks to Moira O'Neill of Interactive Investor and Michael Martin of Seven Investment Management, plus they debate common problems with inheritance tax and how to avoid a holiday rip-off.  Hosted on Acast. See acast.com/privacy for more information.
30/05/19·15m 58s

Wealth managers, switching pension providers and where Britain's wealthy live

How are the UK's wealth managers tackling market turbulence? James Pickford, deputy FT Money editor, talks to Alice Ross about how the private banking industry is reacting to the changing needs of its clients. Plus - we delve into the reasons why some customers are waiting months to have their investments moved from one pension provider to another. And finally, where do Britain's wealthy live?  Hosted on Acast. See acast.com/privacy for more information.
23/05/19·18m 0s

National numeracy day - women and maths

In honour of National Numeracy Day we're looking at why so many women say they're less confident with numbers than men - and why this is a myth we're keen to bust. Bobby Seagull, the FT columnist and possibly Britain's most famous maths teacher joins presenter Claer Barrett to crunch the numbers. Next up Mike Ellicock, chief executive of the National Numeracy charity on the latest numbers quiz. And finally the founder of Boring Money draws some parallels between an aversion to maths and a lack of confidence to invest. Hosted on Acast. See acast.com/privacy for more information.
15/05/19·27m 52s

Equity release, shoddy customer service and the rise in customer complaints

Would you use your property to supplement your pension? Claer Barrett and guests examine the pros and cons of using equity release. Next, the FT Rich People's Problems columnist James Max talks about bad customer service, and finally, we analyse what people are complaining about.  Hosted on Acast. See acast.com/privacy for more information.
09/05/19·24m 57s

The Royal baby, women investors and inside the UK's debt crisis

As the world awaits the arrival of the Royal Baby, Claer Barrett and guests discuss finding an investment strategy for your child that's fit for a prince or princess. Plus - are women better at saving than men? Dame Helena Morrissey uncovers the statistics. And finally, we discuss what can be done to tackle Britain's debt crisis. Hosted on Acast. See acast.com/privacy for more information.
02/05/19·19m 1s

Merryn Somerset Webb on the rise of ESG investments

Are you investments taking on a green tinge? As climate change protests stop the traffic in London, interest in ethical investing is accelerating fast. FT columnist Merryn Somerset Webb welcomes greater interest from fund managers, but warns it needs to be more than "greenwash" to be effective. Plus Money Mentor Lindsay Cook dissects the problem debts of the wealthy, and as US markets hit a fresh record high. Artemis fund manager Simon Edelsten warns investors about the dangers of hubris. Hosted on Acast. See acast.com/privacy for more information.
25/04/19·21m 6s

Maternity pay, online investors and the value of time

Despite changing attitudes in the workforce there are still bosses who wouldn't give you a job if they thought you were going to have a baby in a few years. Lucy Warwick-Ching talks to Mumsnet about the wide disparity in maternity and paternity policies among employers and gives listeners the chance to have their say. Plus - we hear from an "armchair investor" about the realities of trading from the comfort of your home. And finally Jason Butler tells us how to how to maximise the most of the precious thing we own - our time. Hosted on Acast. See acast.com/privacy for more information.
18/04/19·22m 51s

A mortgage milestone and what Brexit means for investors

FT money deputy editor James Pickford is joined by Jason Hurwood of Nationwide to discuss the move by the UK’s second biggest mortgage lender into equity release, investment writer Kate Beioley says Brexit is prompting investors to hoard cash, and pensions correspondent Josephine Cumbo looks at new research exposing the costs of exiting a pension scheme. Hosted on Acast. See acast.com/privacy for more information.
11/04/19·17m 46s

The collapse of London Capital and Finance, climate change investing and buying a ski apartment

In light of the London Capital and Finance scandal the city watchdog is warning consumers about how some high-risk investments are marketed. Claer Barrett is joined by senior FT journalists Barney Thompson and John Gapper to assess what's gone wrong. Next up, could climate change provide a novelway to start a conversation about investment with your children? And finally our Rich People's Problems columnist discusses whether his ski apartment is good value for money.   Hosted on Acast. See acast.com/privacy for more information.
04/04/19·22m 49s

Pension problems in the NHS, auto-enrolment and a new pet insurance product

Diagnosing pension problems in the NHS - an FT investigation has revealed that senior doctors and consultants across the country are turning down extra shifts through fear of landing themselves with punitive tax bills. Josephine Cumbo asks whether the pensions taper is bad for our health. Next up, she interviews Paul Lewis, the Moneybox presenter on auto enrolment schemes. Finally, she delves into the world of pet insurance products - did you know there is a fitness tracker for dogs? Hosted on Acast. See acast.com/privacy for more information.
28/03/19·12m 40s

Financial advice for young people, crowdfunding and why Brexit has ruined my dinner parties

Think you're ready for a financial adviser but you can't find anyone to take your money? FT Money editor Claer Barrett talks to money blogger Iona Bain about why old fashioned advisers don't want young people's money. Next up, podcast guests chat about crowdfunding - how it works, the risks involved - and what a unicorn is! And finally, James Max is causing a stir with his topic of dinner party conversation. Hosted on Acast. See acast.com/privacy for more information.
28/03/19·20m 32s

Retirement planning, Help to buy and ageism in society

Are you ready for retirement? Claer Barrett, FT Money editor, and guests discuss the importance of financial planning - whether you're hoping to retire in 50 years or 50 weeks. Plus, first-time buyers get a boost from Help to Buy, but should the government consider aiming a tax break at the 'last-time buyers' to help more of them downsize? And finally, listeners hear from FT Money's new columnist - Jane Owen, whose debut column 'the invisible woman' rails against ageism in society. Hosted on Acast. See acast.com/privacy for more information.
14/03/19·15m 6s

Isa special: Everything you need to know about Individual Savings Accounts

New research says it's possible for younger investors to build up a million pound Isa portfolio - and in this week's podcast Claer Barrett and guests tell listeners how to do it. Also, Kate Beioley talks about how freelance workers can use flexible Isas to smooth out the lumps and bumps in their income, and Moira O'Neill of interactive investor discusses how to set up a stocks and shares Isa. And last but not least James Max, FT Rich People's Problems columnist reveals what it's like to work at an investment bank.  Hosted on Acast. See acast.com/privacy for more information.
07/03/19·28m 34s

Pension freedoms: the unintended consequences revealed

Have you cashed in your retirement savings under the pension freedoms rules? If so, are you one of the many UK pensioners who have found that the freedom to do what you want with your savings is not delivering quite what you had wished for? FT Pensions correspondent Josephine Cumbo debates the issues with fellow guests Steve Webb of Royal London, Claire Walsh of Schroders and Malcolm McLean of Barnett Waddington.  Hosted on Acast. See acast.com/privacy for more information.
28/02/19·23m 21s

How to crack your credit score

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss cracking your credit score – including why yours might be worse than you think – and Mike Tuckett from Transport for London, who shares some staggering stats about contactless travel. Bobby Seagull, of University Challenge fame also stops by to sound off about football signs.   Hosted on Acast. See acast.com/privacy for more information.
21/02/19·21m 15s

The fight for our data, good news for renters and final salary pension problems

From rental fees to who owns your financial data - the FT analyses this week's personal finance news and gives you the lowdown in downloadable form. Claer Barrett, FT Money editor, and guests discuss letting agency fees, 'made up' figures in a fintech advert and pension problems for the older generation.  Hosted on Acast. See acast.com/privacy for more information.
14/02/19·16m 59s

Six financial mistakes that women need to avoid

Presenter Claer Barrett and guests discuss what every female needs to know about her finances. From practicing 'financial self defence', getting started in investing and bridging the gender pay and pensions gap, this special edition of the FT Money podcast covers all these issues and more. Hosted on Acast. See acast.com/privacy for more information.
07/02/19·29m 19s

Are you facing a tax bill that is so large you can't pay it?

This special edition of the FT Money show is dedicated to examining the far reaching effects of the loan charge on 100,000 freelance contractors in the UK. Claer Barrett, the FT Money editor, and Emma Agyemang, the FT's tax reporter, talk to individuals facing huge tax bills, and get the inside story from independent tax experts and the politicians who are calling for the law to be changed.  Hosted on Acast. See acast.com/privacy for more information.
31/01/19·24m 35s

Finance tips for freelancers, insurance pitfalls and how to write the perfect 'to do list'

FT Money editor Claer Barrett on the latest finance tips for freelancers ahead of the tax deadline. Plus Paul Lewis, the Moneybox presenter reveals the hidden pitfalls of staying with the same home insurance provider year on year. And finally professor Elizabeth Emens on how tips to help you cross off more things on your financial to-do lists.  Hosted on Acast. See acast.com/privacy for more information.
24/01/19·28m 2s

Open Banking: what is it and how can you benefit from the new rules

FT Money Digital editor Lucy Warwick-Ching and guests discuss what open banking is, why it was launched and which are the best apps for consumers. Plus we delve into exactly why despite the hype around the launch, just one in four people have heard of open banking. Hosted on Acast. See acast.com/privacy for more information.
17/01/19·13m 41s

A stock picking competition, dealing with post-christmas debt and collecting coins

This week's bumper podcast offers listeners the chance to compete against the FT investment experts. Plus FT Money editor Claer Barrett talks to a man who quit his corporate job and took a huge change of career direction. Also on the show is Lindsay Cook, the FT's Money Mentor, on zero per cent credit card deals. And finally, as the Royal Mint launches a new range of collectible coins, we ask if they are ever a good investment. Hosted on Acast. See acast.com/privacy for more information.
10/01/19·25m 0s

Financial New Year's Resolutions: How to manage your money in 2019

FT Money editor Claer Barrett and guest presenter Bobby Seagull of University Challenge fame present a special New Year's edition of podcast packed with tips and ideas for managing your cash in the year ahead, featuring the "financial resolutions" of a host of FT commentators  Hosted on Acast. See acast.com/privacy for more information.
03/01/19·24m 42s

Brexit buying opportunity, the top FTSE risers and fallers and should you take your claim to the small claims court?

FT Money editor Claer Barrett talks to Merryn Somerset Webb about how investors can take advantage of choppy markets. Plus, we highlight the winners and losers of the FTSE 100 stocks and is the small claims court a better bet than the ombudsman service? Hosted on Acast. See acast.com/privacy for more information.
20/12/18·23m 22s

Beyond Brexit, christmas lights for beards and the growing trend presents for teachers

FT Money editor Claer Barrett investing beyond Brexit - what action should you consider to ride out the volatility. Plus as Christmas approaches, what is this year's must have party accessory and will you be buying a present for your child's teacher this year? Hosted on Acast. See acast.com/privacy for more information.
13/12/18·21m 15s

Buying your first property, the pensions dashboard and private banking

Claer Barrett and guests discuss how tough it is for first time buyers to get onto the property ladder if they don't have help from mum and dad. Plus, the pensions dashboard - it's finally arrived, so what should we make of it. And Rich People's Problems columnist James Max tell us why he's happy to pay though the nose for old fashioned banking.  Hosted on Acast. See acast.com/privacy for more information.
06/12/18·26m 19s

What do you really think about financial advisers - and what do they say about you?

We've devoted this week's Money Show podcast to examining the changing relationship between financial advisers and their clients. Over the past month, more than 400 of you have bared your financial souls to us, completing FT Money's detailed survey about financial advice - covering what you most want to ask an adviser for help with. Claer Barrett and guests discuss what you love and hate about the advice profession. Hosted on Acast. See acast.com/privacy for more information.
29/11/18·24m 11s

Black Friday bargains, women's pensions and investment trusts

Claer Barrett and guests discuss Black Friday deals and talk about the campaign to reduce the state pension age for women born in the 1950s. Plus we take another look at investment trusts and whether small companies could bring investors high returns Hosted on Acast. See acast.com/privacy for more information.
22/11/18·15m 39s

Can you learn about money from reading someone's financial diary?

Claer Barrett and guests discuss the phenomenal success of the Money Diaries - an online website that has enabled women around the world to anonymously share their financial spending secrets. Plus we hear from a former banker turned entrepreneur who has set up a company to help women take control of their money. Hosted on Acast. See acast.com/privacy for more information.
15/11/18·18m 57s

Britain's financial 'invisibles', child benefit fines repaid and why Lord Lee is selling some shares

Lucy Warwick-Ching and guests debate what it means to be refused access to credit, why HMRC is repaying fines it levied for unpaid tax, and how a volatile stock market has lead to Lord Lee selling some shares.  Hosted on Acast. See acast.com/privacy for more information.
08/11/18·15m 55s

What will the Budget mean for you?

Claer Barrett and guests discuss how the chancellor's budget will hit your pocket. Is the new income tax change really as good as it sounds? And how will it affect you if you're self employed or a landlord. Finally, we unpick the pension contribution rules and spell out how much you can contribute. Hosted on Acast. See acast.com/privacy for more information.
01/11/18·15m 14s

Share incentive schemes and what you really think of financial advisers

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss the perks and pitfalls of company share incentive schemes and columnist Jason Butler stops in to talk curbing Christmas shopping enthusiasm. Finally, why FT Money wants to know what you really think of your financial adviser. Hosted on Acast. See acast.com/privacy for more information.
25/10/18·16m 7s

Remortgaging your home, holding cash and getting more women to invest

Claer Barrett and guests discuss why people are using their homes as piggy banks and what they are doing with the extra money. Other topics of debate include why more and more investors are sitting on cash rather than putting their money into the stock market, and how to get more women to engage with their finances. Hosted on Acast. See acast.com/privacy for more information.
18/10/18·18m 26s

How to fight fraud, the oil price and putting the payday lenders out of business

Claer Barrett and guests discuss whether banks are doing enough to help their customers in the fight against fraud. Other topics in this week's show include the oil price and whether it could surpass $100 a barrel, and we hear from the man behind a new tool to help consumers win compensation from high cost lenders.  Hosted on Acast. See acast.com/privacy for more information.
11/10/18·18m 27s

Cannabis, stamp duty and gender financial differences

This week's show looks at the rise of cannabis and whether UK investors should be looking to take a position in pot stocks. Plus the rise in stamp duty and why the differences in the way men and women save and spend appear at a very young age.  Hosted on Acast. See acast.com/privacy for more information.
04/10/18·16m 48s

Emerging markets, tax avoiders and owning property

Emerging markets turmoil - how should investors react? James Pickford and guests discuss the options. Also, the HMRC crackdown that threatens huge financial difficulties for thousands of low earners. Plus James Max gives his (controversial) view on how many homes one person should have.  Hosted on Acast. See acast.com/privacy for more information.
27/09/18·21m 7s

Is property still a good investment?

As the market gets stickier in the run up to Brexit, the FT Money podcast debates where property prices will go next. Plus Merryn Somerset Webb shares her thoughts on the tenth anniversary of the financial crisis.   Hosted on Acast. See acast.com/privacy for more information.
20/09/18·22m 6s

Free perks with your bank account, fixed rate mortgages and tech stocks

Does your bank give you a free daily coffee, free cinema tickets, money off meals out or a cheap taxi to the airport? Welcome to the world of premier banking - the FT Money Show reveals more. Plus, as interest rates rise, more homeowners lock into a five year fix, and could soaring valuations of FAANG stocks be coming to an end? Hosted on Acast. See acast.com/privacy for more information.
13/09/18·13m 26s

Electric cars, investing in Fundsmith, and the growing problem debt in the UK

On this week's show FT Money editor Claer Barrett and guests discuss the growing market for electric cars - what they are like to drive and how the finances stack up. And Terry Smith of Fundsmith calls in to tell us about Smithson, a new investment trust investing in global small and mid cap stocks.  Hosted on Acast. See acast.com/privacy for more information.
06/09/18·19m 14s

EIS investments, rising debt problems and Child Trust Funds

FT Money editor Claer Barrett and guests discuss the latest trends in EIS investments and the rising number of people getting into problem debt. And child trust funds come of age - we explain how to make the most of your investment. Hosted on Acast. See acast.com/privacy for more information.
30/08/18·18m 43s

Investing in English wine, problems with the pensions dashboard, and cycling your way to a tax break

From sparkling wine to cycling tax breaks,  FT Money editor Claer Barrett and guests discuss the FT's latest personal finance stories.Should you be pouring your money into wine or would you be better off investing in Champagne? And Paul Lewis of BBC radio 4's Moneybox is here to ask what's happened to the government's promise of a pensions dashboard.  Hosted on Acast. See acast.com/privacy for more information.
23/08/18·16m 2s

Fraud - how can you avoid becoming the next victim?

From banking fraud to pension liberation schemes and property deposit scams, FT Money editor Claer Barrett and guests discuss the latest elaborate swindles and tell you how to avoid them. The techniques that the con artists are using today are worryingly sophisticated - but listening to this special edition of the FT Money podcast should be your first line of defence.  Hosted on Acast. See acast.com/privacy for more information.
16/08/18·21m 53s

What would a no-deal Brexit mean for your money?

FT Money editor Clear Barrett Barrett is joined by FT political correspondent Laura Hughes and FT Money reporters Aime Williams and Kate Beioley to discuss the likelihood of a no-deal Brexit and what it would mean for your finances. The team also talks travel money tips and FT columnist Jason Butler explains how to cash in by de-cluttering.  Hosted on Acast. See acast.com/privacy for more information.
09/08/18·20m 59s

The maths of Love Island

FT Money editor Clear Barrett Barrett is joined by columnists Bobby Seagull, James Max and Edwin Esosa for a summery podcast that brings some cold hard maths to this year’s hottest show, analyses the sticky economics of jam making and separates good diversity schemes from bad. Hosted on Acast. See acast.com/privacy for more information.
02/08/18·18m 29s

Leasehold property, currency traps and a special subscriber offer for podcast listeners

FT Money editor Claer Barrett and guests on upcoming reforms to property leaseholds and how the latest downturn in sterling means you need to get the best possible rate on your money. We discuss the hidden charges that could sting travellers, and how to avoid these. Also, if you listen to the podcast you could be eligible for a special subscriber discount to the digital edition of the FT. Hosted on Acast. See acast.com/privacy for more information.
26/07/18·15m 30s

Train delays and commuter chaos: what are your rights?

FT Money editor Claer Barrett and guests on what to do if you've been caught up in the train disruption. What are your rights - and what chance do you stand of getting money back if a cancelled train has caused you to miss a flight, or pay to travel by taxi? Hosted on Acast. See acast.com/privacy for more information.
19/07/18·16m 19s

Questions to ask before you retire - do you and your partner want the same things?

FT Money digital editor Lucy Warwick-Ching and guests on the importance of planning for getting the best out of your retirement. Plus, will you still be paying off your mortgage in your seventies? Hosted on Acast. See acast.com/privacy for more information.
13/07/18·16m 49s

Money saving tips, starting a supper club and the trauma of expenses claims

FT Money editor Claer Barrett and guests on the best money saving tips for millennials and how to start a supper club. Also, the FT's Rich People's Problems columnist, James Max, tells us about the biggest expenses claim he's ever submitted Hosted on Acast. See acast.com/privacy for more information.
05/07/18·18m 40s

Online gambling, more tax quirks and property peer-to-peer lending

FT Money editor Claer Barrett and guests on the truth about online gambling and the quirk in the tax system that disadvantages people who read books online. Also, David Stevenson on whether property peer to peer lending is ever a good idea.  Hosted on Acast. See acast.com/privacy for more information.
28/06/18·15m 10s

Myths about divorce, investment trusts and the FT's Thrift Off experiment

FT Money editor Claer Barrett and guests discuss the things people don't know about divorce, what has been happening in the world of investment trusts and discuss the FT's competition on how to spend wisely, and save in style.  Hosted on Acast. See acast.com/privacy for more information.
21/06/18·17m 52s

Investing in Bitcoin, financial fitness and wealth managers

FT Money editor Claer Barrett and guests discuss the volatile price of cryptocurrencies, how to cut your performance fees by going to the gym and how wealth managers are adapting to the needs of young people.  Hosted on Acast. See acast.com/privacy for more information.
14/06/18·18m 30s

Selling property, talking about money and booking holidays online

FT Money editor Claer Barrett and guests discuss why it's never been easier to view homes for sale on your phone, talking about money and how the decline of the high street travel agent has reduced our consumer rights. Hosted on Acast. See acast.com/privacy for more information.
07/06/18·16m 27s

The Millennial smartphone saving revolution

FT Money reporter Kate Beioley hosts a Millennial Money takeover this week, talking to FT reporters Rianna Croxford, Nicholas Megaw and Camilla Hodgson about the new savings and investing apps that let Millennials manage money from their smart phones. After road-testing the apps, are they helpful hacks or phone-based fads?  Hosted on Acast. See acast.com/privacy for more information.
31/05/18·14m 22s

Making partner in your firm, cashing in final salary pensions and investing in oil

FT Money editor Claer Barrett and guests discuss the risks and rewards of becoming a partner in your firm and delve into the latest statistics on how many people are cashing out of final salary schemes. Plus David Stevenson on investing in oil. Hosted on Acast. See acast.com/privacy for more information.
24/05/18·16m 55s

National Numeracy, gas bills and some free money

The Financial Times is busting some Rhymes - Bobby Seagull, the maths teacher celebrates National Numeracy day by unleashing his 'maths rap' on the nation with his co-rapper and FT Money editor Claer Barrett.  Also on the show - why gas bills are rising and how listeners can win £1000. Hosted on Acast. See acast.com/privacy for more information.
17/05/18·17m 39s

Numeracy skills, saving for retirement and why millennials are not investing for their future

FT Money editor Claer Barrett and guests discuss  Britain's lack of numeracy skills, how much you need to save in retirement and why young people can start investing for their future.   Hosted on Acast. See acast.com/privacy for more information.
10/05/18·18m 35s

The future for inheritance tax, buying beach huts and launching a second career in your sixties

FT Money editor Claer Barrett and guests discuss IHT - Britain's most hated tax, investing in a beach hut and how to launch a second career in your fifties or sixties.  Hosted on Acast. See acast.com/privacy for more information.
03/05/18·20m 36s

Animal magic for markets, Woodford’s woes and why investors should care about central banks

Bull, bear, tortoise or hare – now foxes and hedehogs too. Not a new children’s book but a valuable market analogy according to money editor Claer Barrett and guests. Also this week,Merryn Somerset Webb on what the move from QE to QT means for investors, and finally Neil Woodford’s week of woe. Hosted on Acast. See acast.com/privacy for more information.
27/04/18·14m 9s

Valuable vinyl in the attic, the perils of investment cliches and the gambling habits of millennials

FT Money deputy editor James Pickford talks to Ludovic Hunter-Tilney, the FT's pop critic, about his quest to value his large collection of vinyl, CDs and cassettes - and how you might do the same. Miles Johnson, FT capital markets editor, on the dangers of setting too much store by investment's popular wisdom. Finally Kate Beioley of FT Money talks about the growing problem of online gambling, with its easy appeal to phone-toting millennials. Hosted on Acast. See acast.com/privacy for more information.
19/04/18·19m 39s

Canal barges, personal service companies, and cryptocurrencies

FT Money deputy editor James Pickford and guests discuss buying a boat, HMRC's focus on personal service companies and why investing in cryptocurrencies doesn't always pay off.  Hosted on Acast. See acast.com/privacy for more information.
13/04/18·20m 12s

Pensions for the self-employed, solar powered properties and financial planning

FT Money editor Claer Barrett and guests discuss the pros and cons of selling energy back to the grid if you have solar panels. Also, we give you ideas to get started on saving into a pension if you're freelance and finally Jason Butler, FT Money's Wealth Man on who to plan financially for life transitions before they happen. Hosted on Acast. See acast.com/privacy for more information.
06/04/18·16m 34s

Investing in pubs, house prices and growing your own vegetables

FT Money deputy editor James Pickford and guests discuss the pros and cons of buying and running your local pub. Also, Richard Donnell of Hometrack tells listeners what's happening to house prices across the UK, and finally James Max, author of Rich People's Problems, on a trend for growing your own vegetables. Hosted on Acast. See acast.com/privacy for more information.
29/03/18·15m 14s

How to find a financial adviser and the questions to ask when you find one

FT Money digital editor Lucy Warwick-Ching and guests discuss when people should pay for advice and how best to get it. The show delves into the different levels of advice available and how to choose the adviser best suited to you.    Hosted on Acast. See acast.com/privacy for more information.
22/03/18·16m 16s

The penny pinching chancellor, EIS changes and what's wrong with ombudsmen?

FT Money editor Claer Barrett talks to Sarah Coles, personal finance analyst at Hargreaves Lansdown about the surprise potential demise of 1p and 2p coins, announced in the Spring Statement this week. Claer also talks to investment reporter Kate Beioley about Spring Statement changes to a group of tax-efficient investments. Finally FT Money Mentor Lindsay Cook stops in too to talk what's wrong with industry ombudsmen.  Hosted on Acast. See acast.com/privacy for more information.
15/03/18·13m 32s

Female finance, Australian pensions and bank account fraud

In honour of International Women's Day FT Money editor Claer Barrett and guests discuss why women don't invest more. Plus pensions down under - what Brits could learn from the Australian savings habit. And how Britain's shrinking bank branch network is the new front line in the fight against fraud.   Hosted on Acast. See acast.com/privacy for more information.
08/03/18·19m 54s

The new Isa season - how to make the most of this year's tax-free allowance

FT Money digital editor Lucy Warwick-Ching and guests discuss Individual Savings Accounts (Isas). This podcast explains the rules, spells out the best investments and dissects the different types of Isas available.   Hosted on Acast. See acast.com/privacy for more information.
01/03/18·12m 22s

Navigating the care system - what you need to know before looking for a care home

FT Money editor Claer Barrett talks to Rosie Carr, deputy editor of Investors Chronicle about the rising cost of care homes and how to find a suitable one for your loved ones. They discuss ways to plan ahead so you can afford the fees and perhaps leave something in your estate for your relatives.   Hosted on Acast. See acast.com/privacy for more information.
22/02/18·13m 24s

Reusable coffee cups, Scottish income tax bands and compensation

FT Money editor Claer Barrett on the investment case for using reusable coffee cups - how they can save you money as well as saving the planet. Plus, Claer and Moneybox present Paul Lewis get to grips with the new Scottish income tax bands. And finally, the show ends with guests discussing how much risk accident victims should be expected to take when investing their compensation funds.   Hosted on Acast. See acast.com/privacy for more information.
15/02/18·16m 49s

The death of the piggy bank - why children are turning to new technology to learn about money

FT Money digital editor Lucy Warwick-Ching on the best financial apps to use to teach children about managing money. Along with a psychologist she also delves into the vital lessons we all need to learn about cash Hosted on Acast. See acast.com/privacy for more information.
08/02/18·13m 8s

House prices, family trusts and the high cost of private members clubs

FT Money editor Claer Barrett and guests debate the real value of property and the demise of family trusts. James Max drops into the studio to discuss his latest Rich People's Problems column on paying thousands of pounds a year in private club memberships.  Hosted on Acast. See acast.com/privacy for more information.
01/02/18·15m 40s

Bitcoin, retail shares and the financial risks of being female

FT Money editor Claer Barrett on the perils of investing in Bitcoin. She also takes a closer look at whether people should invest in retail shares and debates the financial risks of being female following the publication of a report that claims that young women today face greater financial insecurity.  Hosted on Acast. See acast.com/privacy for more information.
25/01/18·23m 33s

The real meaning of risk for retail investors: John Kay takes new regulations to task

FT Money editor Claer Barrett and guests debate the true meaning of risk for retail investors, and Professor John Kay reveals why he thinks new European legislation will be a hindrance, not a help. Plus Maike Currie questions why the latest investment book features 67 men and only one woman, and consumer finance experts Georgie Frost and Helen Dewdney tackle "Blue Monday Hosted on Acast. See acast.com/privacy for more information.
18/01/18·26m 58s

Young people's finances - attitudes to money, getting teenagers to love maths and the hidden perils of shared ownership

FT Money editor Claer Barrett and guests debate why young people think money is boring and come up with ways to convince them otherwise. Bobby Seagull, the University Challenge semi finalist reveals his unconventional methods for getting teenagers to love maths. Finally, why being single could prevent you from getting on the first rung of the property ladder Hosted on Acast. See acast.com/privacy for more information.
11/01/18·15m 4s

Your finances under a Labour government, new years resolutions and Champagne sales

FT Money editor Claer Barrett on whether you should attempt to hedge your finances against a future Corbyn government. Next she interviews Rich People's Problems columnist James Max on why he won't be wasting his money on a gym membership this January and finally Ed Bowsher tells listeners why more of us are drinking Prosecco.  Hosted on Acast. See acast.com/privacy for more information.
05/01/18·14m 28s

Should investors buy Bitcoin?

FT Money presenter Claer Barrett and guests discuss whether or not Bitcoin deserves a place in your investment portfolio and why restaurant service charges leave a bad taste in the mouth. Finally, why we might all be renting used cars in the future instead of buying. Hosted on Acast. See acast.com/privacy for more information.
14/12/17·16m 7s

Private education - spiraling costs, pupil discounts and how to get a scholarship

FT Money digital editor Lucy Warwick-Ching delves in the world of private education and talks to experts including the Good Schools Guide. She and her guests reveal how much it actually costs to send your child to private school as well as tips on how to pay for fees and also some of the tricks to help you get a discount. Hosted on Acast. See acast.com/privacy for more information.
07/12/17·12m 30s

Being fired, Budget reaction and rich people's problems

FT Money Show presenter Claer Barrett quizzes James Max about his experience of being fired and asks him to come up with solutions to your Rich People's Problems questions. Merryn Somerset Webb joins them later to give her views on last week's Budget.   Hosted on Acast. See acast.com/privacy for more information.
30/11/17·26m 31s

Autumn Budget: How do the chancellor's measures affect me?

FT Money Show presenter Lucy Warwick-Ching and guests discuss the Budget announcements and what what it means for your pocket. Hosted on Acast. See acast.com/privacy for more information.
22/11/17·4m 24s

Pension savings, stamp duty and Budget predictions

FT Money Show presenter Claer Barrett and guests discuss how much is enough when your saving into a pension, whether stamp duty is suffocating the housing market and what property measures we can expert in next week's Budget.  Hosted on Acast. See acast.com/privacy for more information.
16/11/17·18m 14s

Paradise lost - the future for off-shore investing

In this week's FT Money show, presenter Claer Barrett speaks to Holly Mackay of Boring Money and the FT's Vanessa Houlder in the wake of the Paradise Papers, discussing the widespread nature offshore investments and collective investment vehicles. Plus Paul Lewis outlines why the Budget could bring reforms to Universal Credit, and Leonora Walters of the Investors Chronicle explains why discounts on many investment trusts are narrowing.  Hosted on Acast. See acast.com/privacy for more information.
09/11/17·21m 45s

UK property prices, self build and pension transfers

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.  Hosted on Acast. See acast.com/privacy for more information.
02/11/17·20m 37s

Should I get my teeth whitened?

FT Money Show presenter Claer Barrett and guests discuss the merits of tooth whitening, the FCA's new campaign on investment fraud and the ten nastiest tax problems  Hosted on Acast. See acast.com/privacy for more information.
25/10/17·16m 28s

Inflation, Brexit-proofing your portfolio and investing in Germany

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. Hosted on Acast. See acast.com/privacy for more information.
19/10/17·15m 41s

Exchange traded funds: are they an accident waiting to happen?

FT Money Show presenter James Pickford and guests discuss ETFs - one of the biggest investment trends of recent years. They also debate the way we measure inflation and analyse what's happening at Barclays Smart Investor platform. Hosted on Acast. See acast.com/privacy for more information.
12/10/17·15m 15s