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This Is Money: How worried should investors be about the Trump slump?

Georgie Frost

Original Broadcast: This is Money

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Investors this week have been hit by the 'Trump Slump.' Why is the US President rattling markets, and is it the end of the US bull market? Georgie Frost, Simon Lambert and Lee Boyce discuss what you should be doing to make your investments great again. How will the UK handle potential tariffs, should investors be in panic mode and what do experts say you should be doing to navigate the geopolitical turmoil? Pension freedom rules came into play ten years ago — these allowed retirees to take control of their pension savings, shifting away from the obligation to buy an annuity and moving towards flexible drawdown and investment options. So a decade on, how have the class of 2015 fared? Nationwide is handing out more money — £600 million of it — to 12 million eligible members as a 'big thank you' following its acquisition of Virgin Money last year. That’s £50 each. And it’s separate to its Fairer Share Scheme, which will be announced in May. And lastly, what can you do if a neighbour cuts back hedges and trees which have given you privacy for decades?


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This Is Money: How much do you need to earn to feel rich?

Georgie Frost

Original Broadcast: This is Money

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Technically, £100k annual earnings would meet the 'rich' definition, but many would say 'no'. Simon Lambert and Georgie Frost discuss with a psychologist how to address this vexed question. Also, following the new energy tariff changes, should you fix or not fix? And finally, Carol Knight explains why reducing the tax benefits on Cash ISAs will not make more people buy shares.

Guests: Carol Knight


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This Is Money: What’s gone wrong for the UK's finances, is it Rachel Reeves’ fault and how bad is it?

Georgie Frost

Original Broadcast: This is Money

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You have to feel for Rachel Reeves. After establishing a solid reputation in opposition, things haven’t gone to plan as Chancellor so far. Her Autumn Budget led to widespread criticism over tax rises on employment and extra costs for businesses, while questions abound over whether her plans will deliver the growth Labour promised voters. Now, a slow burn rise in the UK’s borrowing costs has led to gilt yields surpassing the levels seen after Liz Truss and Kwasi Kwarteng’s ill-fated mini-Budget. Unfortunate, for a Labour party that has spend the past couple of years citing a gilt yield spike as evidence while banging on about Liz Truss ‘crashing the economy’ and Tory mortgage penalties. But is Britain’s current predicament Rachel Reeves' and Sir Keir Starmer’s fault, or do they just find themselves caught out by an unfortunate set of circumstances? Or is it a bit of both? Where did things start to go wrong? Was it the Budget, or was it the claimed ‘£22 billion black hole’ and months of miserabilism? And what are gilts and why do yields even matter? In this episode, Georgie Frost, Lee Boyce and Simon Lambert dig into what’s gone wrong with Britain’s finances and what it means for people. Plus, in better news, Lee looks at the jobs that delivered the biggest pay rises last year and why. Simon explains what’s going on with the US hedge fund staging a raid on seven investment trusts — and why investors should make sure they vote. And finally, Lee catches up with Dave Fishwick as the new 'Bank of Dave' film is released.


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This Is Money: What happened to our finances in 2024 — and what comes next in 2025?

Georgie Frost

Original Broadcast: This is Money

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Georgie Frost, Simon and Lee Boyce with their annual review episode: Simon and Lee assess the last twelve months, looking at what's happened to mortgage and savings rates, house prices and investments, and what changes may be to come in 2025. It's been quite an eventful year with changes of government on both sides of the pond ...


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This Is Money: Why have crypto prices soared in the past week — and do you need to pay tax on profits?

Georgie Frost

Original Broadcast: This is Money

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Crypto has been a little quiet of late. Out of the spotlight, minding its own business. But Donald Trump gets voted back in as US president and boom — bitcoin surged beyond $90,000 for the first time. The rest of the crypto market has also seen a boost, so what's going on? Where is it likely to head next and what do you need to be aware of if you are cashing out your gains? Simon Lambert, Lee Boyce and Georgie Frost delve into bitcoin and friends to give their verdict. The number of ISA millionaires has soared, with a 228% jump of investors joining the club in just two years. And there are 25 of them who hold an average of £8.9million. Just how do you build such a big pot? Britain's first ISA millionaire, Lord Lee, gives his three tips. Fresh from her Budget speech, the Chancellor has announced plans to use our pension savings to boost economic growth by creating megafunds. Just what are they? We tackle an tricky question about IHT and giving away a home. And finally, Lee's Collecting Corner is back ... this time he reports from a trading card, and reveals two Paddington-themed treasures sent in by readers... a 50-year-old stuffed toy, and a limited edition signed print snapped up at a charity shop for just £30.

Guests: Lord Lee


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This Is Money: What President Trump means for your money — and This Is Money programme's tenth birthday

Georgie Frost

Original Broadcast: This is Money

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President Trump is back. The US election finally came to a head this week and rather than the knife-edge result many expected, Donald Trump secured a decisive win over Kamala Harris. This episode is a special double-header: the team discuss that US election result and interest rate cuts in the first half, and then celebrate the tenth anniversary of the This is Money programme, born in Share Radio in 2014, in the second. First up it’s President Trump. In a sense, he is more of a known quantity this time round — having already racked up four years in the White House before. But that’s only in so much that Donald Trump can ever really be a known quantity, and the financial world is preparing to strap itself in for another roller-coaster ride. But why does Trump claiming a second run as US president matter to our finances in the UK? What could his policies and pronouncements mean for small investors in Britain? And will the President-elect really drive mortgage costs up on British homes? Georgie Frost, Lee Boyce and Simon Lambert discuss the potential impact of the new Trump presidency on the show this week. Plus, the Bank of England has cut base rate again to 4.75%, but has cautioned that it sees higher inflation and slower rate cuts in future. The team discuss what that means for our mortgages and savings. The menace of out-of-control bamboo in people’s gardens and what you can do if a neighbour has some is also up for debate. And finally, This Is Money fans should listen to the end for the tenth birthday chat – and an announcement of some celebrations.


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This Is Money: Bonus episode — The big Budget pension and investing questions answered

Georgie Frost

Original Broadcast: This is Money

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On this special bonus episode of the This is Money Podcast, Rob Morgan, chief analyst at Charles Stanley Direct, joins Simon Lambert to answer the big questions that have emerged from last week's Budget. They discuss, amongst among other things: pensions and inheritance tax — who will be caught out? What can investors do — should they spend their pensions before other savings? What has happened with capital gains tax — and who will it catch? What are the best ways to keep a CGT bill down? How can savers and investors beat the frozen threshold stealth tax? And what are the financial planning basics people should make sure they get right?

Guests: Rob Morgan


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This Is Money: What does the Budget mean for you - and did Rachel Reeves fo a good job?

Georgie Frost

Original Broadcast: This is Money

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Rachel Reeves' maiden Budget last week saw the first-ever female chancellor make £40billion of sweeping tax rises in to plug funding gaps in the NHS and schools. While it left many of us with something to be miserable about when it comes to our money, there were also some important dodged bullets, as Simon Lambert, Georgie Frost and Helen Crane discuss. Among the losers were landlords, investors and those who have stashed wealth in their pension, as stamp duty, capital gains tax and inheritance tax all came under the spotlight. The attack on the middle classes was perhaps to be expected from a Government which has told us those with the broadest shoulders must bear a bigger burden. But aside from a rise in the minimum wage and 1p off a pint, did the Budget give enough of a boost to 'working people' — and will changes to employers' National Insurance Contributions indirectly hit them in the pocket anyway? Given growth was the buzzword of the Labour election campaign, did Reeves miss an opportunity to get people excited about British industry and entrepreneurship? We also dig into what wasn't announced in the speech, including a not-so-fond farewell to the short-lived British ISA, and a child benefit change that could have helped single parents found itself on the scrapheap.

Guests: Helen Crane


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This Is Money: Private vs public sector pensions — and how to avoid a race to the bottom

Georgie Frost

Original Broadcast: This is Money

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Are private sector retirement plans being put at risk in order to help strengthen public-sector gold-plated pensions? Georgie Frost discusses this and other topics with Simon Lambert and Lee Boyce, including a couple of irritating taxes, where interest rates will be next year and whether you should get a LISA if you already own a home. Plus, they identify some key property hotspots.


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This Is Money: What would YOU do if you were Chancellor for the Budget?

Georgie Frost

Original Broadcast: This is Money

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Whether you voted Labour or not, with any new government, there is a sense of optimism. Things can only get better… apparently. But within days, Rachel Reeves and co poured cold water over all that - and the gloom and doom about the economy and what then could be (and crucially not be) in the Budget hasn’t stopped. Well, Simon Lambert is fed up. So he has put forward an alternative budget with less than two weeks to go. Do you agree with him? And what would you do? Alongside Georgie Frost and Lee Boyce, the trio talk about budget pessimism. Did it need to be this way? There has been plenty of speculation that NI paid by employers will rise and they may even have to pay NI on pension contributions. What does that mean? This week CPI fell below the Bank of England's 2% target in September, reaching its lowest point in three years. What does that mean for interest rates? More major lenders have put mortgage rates up - where next for home loan deals? And just what is Sonia, if not an Eastenders character or 80s pop star? Lastly, there has been plenty of pre-budget speculation about inheritance tax. But what about the here and now... can you really get caught out by taking your extended family on an annual holiday?


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