300 episodes

What you need to know about money each week and what the news means for you, from the UK's best financial website.

This is Money Podcast This is Money

    • Investing
    • 4.5, 296 Ratings

What you need to know about money each week and what the news means for you, from the UK's best financial website.

    Is this the end of summer holidays? The pain in Spain and what happens next

    Is this the end of summer holidays? The pain in Spain and what happens next

    After a great deal of fuss about air bridges and people being able to go on summer holiday, things suddenly changed last weekend. 

    A swift about turn saw a 14 day quarantine period imposed for those arriving in the UK from Spain at just six hours’ notice, hitting tens of thousands of holidaymakers who are there already, those with trips booked and leaving Britons hoping for some Spanish sunshine stuck in travel limbo… again.

    So is this the end of summer holidays for 2020? Are holidays to Spain off the cards for some time, and can you go to France, Italy, Greece or anywhere else safe in the knowledge you can come home and not have to take an extra fortnight off work?

    On this week’s podcast Georgie Frost – in Spain and facing a 14 day quarantine if she can get back – is joined by Simon Lambert and Grace Gausden to talk holidays, travel insurance, refunds, air bridges and whether even a staycation is safe.

    Plus, as savings rates take another tumble should you lock your money away for five years at 1.1 per cent just to protect against further falls?

    And finally, is buy-to-let back? A stamp duty cut, low rates and a weaker property market has got property investors interested again but are they saving money now just to lose it in future?

    • 46 min
    How to start investing and grow your wealth

    How to start investing and grow your wealth

    Over the long-term investing in the stock market has proven to be the best way to beat inflation and grow your wealth.

    But how do you know when the time is right to start? What are the things to consider when working out what investments might suit you? And do you need to wait until you are wealthy before you become an investor?

    In this first of two special This is Money podcasts, Simon Lambert is joined by Rob Morgan, of Charles Stanley Direct, to help listeners through the investing maze and give them an easy to understand guide to getting started investing

    The most recent edition of the longstanding Barclays Equity Gilt report showed that investing in the UK stock market has delivered an average annual above inflation return of 5.3 per cent over the past 50 years, whereas cash has returned 1 per cent.

    But investing is not without its risks.

    You must be prepared to potentially lose money and may need to ride out market crashes, as we have seen in the coronavirus crisis.

    However, another thing that the crisis has thrown up is more people saving money, as they cut back on spending. A This is Money poll showed 71 per cent of readers said that lockdown had left them with more spare money to save.

    So, if you have a rainy day pot of cash stashed away and want to start investing the money you have beyond that, where do you get started?

    Alternatively, if you are already an investor and want to improve your portfolio, or watch out for the traps that eat into your wealth, what can you do?

    On this podcast, Simon and Rob look at those questions and more.

    Plus, download the second episode of the two-part series in a week's time when they discuss how to use your investments to improve the world and make a profit – as the pair explore the world of socially responsible investing.

    • 35 min
    Will the Government tinker with capital gains tax to help pay the coronavirus bill?

    Will the Government tinker with capital gains tax to help pay the coronavirus bill?

    The Chancellor has ordered an urgent capital gains tax review which could hit many homeowners and investors, depending on the outcome.

    With Rishi Sunak and the Government looking at ways to foot the coronavirus bill, will CGT be changed and will they keep their manifesto pledge to not raise income tax, national insurance or VAT?

    On this week's podcast, Simon Lambert, Lee Boyce, and Georgie Frost look at what could happen to CGT and why.

    We discuss the problem facing 'cladding prisoners' – people who are trapped in flats wrapped in dangerous materials that are unable to sell, or take advantage of the stamp duty cut, with banks nervy to lend to would-be buyers.

    A reader contacts us about an unusual letter from their bank seemingly randomly asking if they are a tax resident of Egypt, with no connection to the country whatsoever.

    Are you an aspirational recycler? We talk you through our guide on how to recycle, properly.

    Travel is still on our lips, with Georgie booking a trip to Spain: What do you need to consider if you're tempted to do the same?

    And finally, we look at the cheapest cars to insure, with a surprising choice at number one: a sporty, two-seater convertible.

    • 53 min
    Will a stamp duty holiday and Rishi's rescue be enough?

    Will a stamp duty holiday and Rishi's rescue be enough?

    The showstopper was a big stamp duty cut, the important element was about keeping jobs afloat, and the rabbit out of the hat was a great British meal deal.

    But the question is, was Rishi Sunak splashing the cash in the summer statement enough to get the nation’s confidence back in the wake of the coronavirus crisis, or will real recovery require more down the line?

    On this week’s podcast, Simon Lambert, Lee Boyce, and Georgie Frost run the rule over the Chancellor’s performance (spoiler alert, he’s good) and the substance of his speech (you’ll have to listen to the show for the verdict on that).

    They also ask the awkward question of how are we going to pay for all this – and does that even matter right now?

    Plus, was that a killer blow for the ‘bad tax’ that is stamp duty; will a £1,000 bung be enough for a company to keep someone in work; how badly will the hospitality industry be hit; and just how crazy would you have called someone who forecast at the start of the year that by summer we’d have an official Eat Out to Help Out scheme?

    Listen to the podcast to hear the team’s verdict on all this and more.

    • 54 min
    The self-employed excluded from the coronavirus rescue

    The self-employed excluded from the coronavirus rescue

    The Chancellor’s coronavirus rescue plan for the British economy has been bold and big, but one important part of the workforce feels somewhat hard done by.

    A chunk of the self-employed have been excluded from Rishi Sunak’s support in a way that employees have not.

    More than 9million employees are having 80 per cent of their wages up to £2,500 a month paid by the taxpayer under the furlough scheme, with no limits barring high earners from help.

    In contrast, anyone who is self-employed and has made more than £50,000 in recent years gets no help whatsoever. 

    Those hit by the £50,000 cap are not the limited company directors who can pay themselves in dividends, they are sole traders paying national insurance and income tax in full on their earnings.

    At a time when the government is throwing hundreds of billions of pounds at the coronavirus crash to support people and boost the chances of recovery, is it fair to exclude this group of the self-employed?

    On this week’s podcast, Simon Lambert, Georgie Frost and Tanya Jefferies look at how this has happened and whether there is any hope left for those affected that things might change.

    Tanya also updates listeners on her ground-breaking investigations into widows underpaid state pension, which have seen her win tens of thousands of pounds back for those who got less than they should have.

    Simon reveals the best and worst performing funds of the year so far and tries to tackle the question of whether the US stock market can just keep on trucking.

    And finally, recent podcasts have featured how Britain has gone mad for hot tubs in lockdown but there is a new hot property in town – the awfully-named ‘shoffice’. 

    • 47 min
    Has lockdown left you with more money to save or struggling?

    Has lockdown left you with more money to save or struggling?

    In an unpredicted turn of events, the coronavirus lockdown has been good for some when it comes to their bank balances.

    People collectively tucked away £30billion in savings accounts in March and April, around three times as much as the two months previous - with this credited  to surplus cash and moving money to safety.

    A large slab of that went into easy-access accounts despite plunging rates. Meanwhile, we cleared a record amount of personal debt, according to Bank of England figures.

    The ONS says households are spending £183 less a week, but while some might be lucky to salt that away, many wouldn't come anywhere near it.

    Lockdown saving is not a universal picture. Many are facing up to lost income or losing their jobs entirely. In this podcast, editor Simon Lambert, assistant editor Lee Boyce and host Georgie Frost take a look at the figures.

    Much of the money stashed away at big banks pays 0.1 per cent or less, meaning collectively, billions of lost interest – where are rates heading?

    National Savings and Investments currently has a few best buy accounts, how long can it prop up the market and are we turning our backs on stocks and shares Isas?
    Meanwhile, the IMF says the crisis will wipe £10trillion off the global economy: what's happened to the V-shaped recovery?

    With pubs and shops slowly reopening, will Britons head back and spend their cash to help the economy?

    Simon talks about investing like Warren Buffett and what opportunities are out the post-lockdown world.

    With the heatwave that has smothered Britain this week, we take a look at how much it costs to run items that are designed to cool us down, and those trendy garden gadgets.

    • 50 min

Customer Reviews

4.5 out of 5
296 Ratings

296 Ratings

JGJDJ ,

MMT what’s it all about

Love to hear more MMT knowledge not covered in the main stream media, love the shows.

thelittleprincessmark2 ,

Best money podcast out there

This is a brilliant podcast. Simon and Georgie do a great job of keeping you up to date and come up with some interesting subjects. Well worth listening to and entertaining at times too.

m i l e s d e e p ,

Shoddy.

The nerve to begin the podcast with a remark about the poor sound quality, when in actual fact you meant: ‘one of us was unprofessional enough to draw on their notepad the entire time that the guest was speaking rendering them inaudible and the podcast unlistenable’.

It’s literally your job not to do that.

I usually enjoy the show, Georgie is a joy. However, recently it’s become harder to listen to. As someone else commented, the discussions sometimes slip into financial advice, something that none of the presenters are even close to being qualified to give. The deputy editor (Lee? or whoever) only got into investing a year/two years ago and yet he too can slip into giving advice; it often becomes painfully clear that he doesn’t know enough to know when he should stop talking. Lastly, Georgie checking her ISA seemingly every day and reporting on every rise and fall is, while endearing and the reason she’s great, literally the last thing financial advisors will recommend one does. Further, Georgie repeatedly brings up the story of how (Simon?) said the markets could start to turn, and she laments the fact that if she sold her holdings at the time she wouldn’t have “lost” (temporarily) quite so much money - again, attempting to time the market is literally the worst thing you can do as a longterm individual investor as per investing 101.

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