Original Broadcast: Your Money, Your Future
If you've invested money in a private pension or in an investment fund, you'll be paying some sort of regular fee and charges. And, depending on the type of investment fund, those charges could be quite high. If you've taken advice from a professional financial adviser, you'll also have to pay for his or her time. But what's a fair charge and when do the charges become a rip off? Sarah Pennells speaks to Tom Wilcox-Jones, from independent financial advisers Blackstone Moregate, Gina Miller, founder of True and Fair Campaign, from SCM Private and founder of MoneyShe.com and Claire Walsh, Head of Advice at IFA Promotions, to find out more.
Guests: Tom Wilcox-Jones,Gina Miller,Claire Walsh
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Original Broadcast: Your Money, Your Future
As a nation, we have something of a love affair with property, but investing in property doesn’t necessarily have to involve buying a house or flat. In fact, it doesn’t have to mean you put your money into houses at all – you could invest in office blocks or shopping centres through investment funds. Sarah Pennells and her guests, Mark Weedon, Head of Institutional Development at Property Partner, and Guy Glover, Manager of the F&C Property Fund, discuss what to think about when it comes to investing in property and how to do this using funds and crowdfunding.
Guests: Mark Weedon,Guy Glover
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Sarah Pennells analyses the the dos and dont's when it comes to investing for the first time. This week's Young Money Champion, James Connington, starts off by discussing how he started investing and whether he encountered any surprises or disadvantages. Michelle McGrade, from TD Direct Investing, focuses on the ethics behind it; Tom Stevenson, from Fidelity Worldwide Investing, emphasises the importance of investing, while Simon Webster, from Facts and Figures, explains what the term ‘investing in ISAs’ means.
Guests: James Connington,Michelle McGrade,Tom Stevenson,Simon Webster
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Ever thought of turning your hobby into your dream job? From baking to arts and crafts, Sarah Pennells looks at what financial aspects one should consider when thinking of setting up a business. Kerry Ann Duffy, a photographer specialising in weddings and portraits, Bethany Armitage, from Make it Betty, and Helen Reed, founder of The Wool Kitchen, share their stories on how they set up their businesses. The guests explain what financial support they received and how they made their way into their dream career.
Guests: Kerry Ann Duffy,Bethany Armitage,Helen Reed
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Sarah Pennells looks at credit card surcharges and why we still have to pay an extra 2.5% interest fee. This week's Young Money Champion, Amelia Murray, explains what the credit card charges are and why they are being changed this year. Helen Saxon, from Moneysavingexpert.com, debates whether credit card rewards are worth considering after cash back offers and loyalty incentives were reduced. Richard Koch, from the UK Cards Association, explains what further changes are being introduced next month.
Guests: Richard Koch,Helen Saxon
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Original Broadcast: Your Money, Your Future
If you're self-employed and need to set up a pension, where do you start? Sarah Pennells looks at a recent report published by Royal London with former Pensions Minister Steve Webb, currently Director of Policy at pensions and life insurance provider Royal London. Paul Allington founder and head of The Code Guy, gives his own account of setting up his pension, while Claire Walsh, Chartered Financial Planner and Head of Advice at Unbiased, gives advice on how to set up a pension plan. Sarah discusses whether the new Lifetime ISA can also help people set their pension.
Guests: Steve Webb,Paul Allington,Claire Walsh
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These days, you can borrow or rent just about anything. Homes, cars, handbags, even pets! But how does it work, and what's important to think about when it comes to the fast growing sharing economy? Sarah Pennells is joined by Alex Stephany, a sharing economy expert, author of The Business of Sharing and Chief Executive of Just Park, Sam Stephens, the founder of Streetbank, and Tim Godwin, the Financial Director of Swishing Online, to help understand more about the sharing economy and to help answer some of your burning questions.
Guests: Alex Stephany,Sam Stephens,Tim Godwin
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Original Broadcast: Your Money, Your Future
Sarah Pennells is joined by Mike Edwards, founder of the DIY Doctor, Michael Holmes, property expert for The Homebuilding & Renovating Show and chair of NaCSBA (The National Custom & Self Build Association) and Simon Warpole, home insurance expert at Aviva, to talk about the practical repairs you can do to your home, and how to cut costs, as well as making sure you're covered by insurance for any DIY disasters!
Guests: Mike Edwards,Michael Holmes,Simon Warsop
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This week Sarah looks into weddings and the costs they can accumulate. Although for many couples it is the happiest day of their lives, it is often also one of the most expensive. Joining Sarah are Andy Webb from Be Clever With Your Cash, Charley Beard from The London Bride, Rachael Southwood from Wedding Ideas Magazine, Alison Hargreaves from Guides for Brides and Rosie Ames from Green Union.
Guests: Andy Webb,Rachael Southwood,Alison Hargreaves,Rosie Ames,Charley Beard
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Ever been affected by a pension scam? Alan Higham, from Pensions Champ, Michelle Cracknell from the Pensions Advice Service and Rachael Badger, from the Citizens Advice Bureau talk to Sarah Pennells about cold calls and how to protect yourself from them.
Guests: Michelle Cracknell,Alan Higham,Rachael Badger
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