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Money Box
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Manage series 1301226
Вміст надано BBC and BBC Radio 4. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією BBC and BBC Radio 4 або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
The latest news from the world of personal finance plus advice for those trying to make the most of their money.
803 епізодів
Відзначити всі (не)відтворені ...
Manage series 1301226
Вміст надано BBC and BBC Radio 4. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією BBC and BBC Radio 4 або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
The latest news from the world of personal finance plus advice for those trying to make the most of their money.
803 епізодів
Усі епізоди
×New research, seen exclusively by Money Box, suggests a third of households in England and Wales are trying to cut the amount of water they use to help reduce their bills. The research comes from the Personal Finance Research Centre at the University of Bristol which worked with the Financial Fairness Trust to speak to 6,000 households about their money situation. On water bills, 34% said they're using less to try to cut their bills with around 30% saying their bills have increased "a lot" over the past 6 months. What can people do to bring their bills down? Some major mortgage lenders have been relaxing their lending rules to make it easier for people to borrow the money to buy a home. They have been encouraged by a letter from the regulator, the Financial Conduct Authority, which reminded them that they had flexibility around what is called the stress test, which is supposed to ensure borrowers can meet their monthly payments even if rates rise or their circumstances change. What does that mean for the risks around lending? The listeners puzzled by a 25p rise in their state pension because of a rule that started back in 1971. And, how much do you know when it comes to savings? If you don't know your Premium Bonds from your ISA and where to put your money to make the most out of your cash, we'll give you a little bit of help. Presenter: Paul Lewis Reporters: Dan Whitworth, Peter Ruddick and Jo Krasner Researchers: Eimear Devlin and Rob Cave Editor: Jess Quayle (First broadcast 12pm Saturday 7th June 2025)…
Hundreds of millions of pounds was stolen from people in 2024 by thieves who tricked them, manipulated them, and then drained their bank accounts. The latest figures from UK Finance show that more than £450m was handed over to criminals in that way. That was slightly less than in 2023 but there were fewer cases - down 20% to just under 186,000. So those who were robbed lost more - an average of more than £2,400. What kind of scams were most common and what can you do to avoid them? There have been several high profile cyber attacks on businesses recently. But apart from downed deliveries and empty shelves, what impact can they have on other areas of a business that weren’t directly attacked? Major changes to the laws about making a will have been proposed to the government by the Law Commission. Its job is to recommend changes in the laws in England and Wales to improve or simplify them. And what should people do if they think they’re owed compensation by their energy company following the prepayment meter scandal? Presenter: Paul Lewis Reporter: Sarah Rogers Researcher: Eimear Devlin and Jo Krasner Editor: Jess Quayle (First broadcast at 12pm on Saturday 31st May, 2025)…
Hundreds and thousands of sole traders and landlords are facing a significant change in how they file their tax returns. In less than a year 800,000 people with a turnover of above £50,000 who fill out self assessment tax returns will have to fill out summaries four times a year, and then do their final self assessment too. It's all part of something called "Making Tax Digital". Paul Lewis interviews James Murray who is the Exchequer Secretary to the Treasury. Hundreds of millions of pounds has been paid out to people who were underpaid their state pensions. We'll discuss who they are, and talk about another group of people who could be eligible but haven't claimed. And, listeners who volunteer with community groups like film clubs, girl guides and charity fundraising groups have been contacting Money Box upset over new charges they're facing to use their bank accounts. What options are there for those affected? Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle (First broadcast 12pm Saturday 24th May 2025)…
The fight against what is called push payment fraud - when victims are groomed and manipulated into transferring money to criminals - took a huge step forward in October when new regulations for banks and other finance companies were introduced to make the banks involved liable for the losses. It was the result of years of campaigning which Money Box has reported on from the very beginning. Now the first set of figures since then shows it is working better, but still not perfect. We'll hear from David Geale the Chief Executive of the Payment Systems Regulator. This week, some of Britain's biggest pension funds have pledged to invest more of the money they look after into UK assets. Seventeen major workplace pension providers have signed the Mansion House Accord, a voluntary initiative which commits them to invest at least 10% of the pension funds into what it calls 'private markets' with half of that invested in the UK. The Treasury says this commitment will drive more investment into infrastructure and businesses, while driving higher returns for savers and reducing risk through diversified asset holdings. We'll speak to the Chief Executive of The People's Pension which is the UK's largest workplace pension fund. If you get child benefit for a child aged 16 or over it will stop on 31 August unless you tell HMRC to continue paying it. What do you need to know? And are we becoming too reliant on digital banking when we should all have some cash for emergencies? Presenter: Paul Lewis Reporters: Dan Whitworth, Eimear Devlin and Catherine Lund Researcher: Jo Krasner Editor: Jess Quayle (First broadcast 12pm Saturday 17th May 2025)…
Earlier this spring the Financial Conduct Authority warned that some banks and firms lack empathy when dealing with bereaved customers and called for them to do more. Money Box Live received a huge response from our listeners when we covered the story, with emails from listeners about how they coped with their grief while managing finances following the death of a loved one. Felicity Hannah is joined by lawyer Gary Rycroft and Sarah Middlemiss, from the end of life charity Marie Curie, to answer those questions and hear those experiences. Presenter: Felicity Hannah Producer: Catherine Lund and Sarah Rogers Editor: Jess Quayle (This episode was first broadcast at 3pm on Radio 4 on the 14th of May 2025)…
Around 1 in 2 people living in the UK will be diagnosed with cancer during their lifetime according to Cancer Research UK. That stark statistic is a reminder how the disease can impact families up and down the country, but it's not just the health of people diagnosed that can forever be changed. The finances of those who survive the disease can also be devastating too. We'll hear from a man recovering from a cancer diagnosis about how it impacted his life, and speak to a charity that is calling for better financial support for cancer survivors. As the Bank of England cuts interest rates to 4.25%, we’ll discuss what the best deals are at the moment. Data shows that while some lenders are offering deals at less than 4%, you’d need a big deposit and have to pay a fee, so what is out there and who can get it? And investment platforms should be required to pass on voting rights to shareholders. That's the call from the trade body, the Association of Investment Companies. If you buy a share in a company you have the right to vote on corporate decisions. At the moment, some investment platforms pass on the right to vote, others require you to opt-in, some don't pass on the rights at all and some even charge to do it. The AIC wants that to change so that all platforms are required to pass on the rights, which would require a change in the law. In response, the Personal Investment Management and Financial Advice Association says a wholesale change to regulation to force this issue could result in significant costs to firms and an overwhelming level of paperwork for customers. Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle (First broadcast on Radio 4 at 12pm on Saturday 10th May 2025)…
If your home isn't working for you, should you pack up and move or get the builders in and improve? Moving is expensive, aside from the price of the house there's Stamp Duty and solicitors fees to think about. So, is it worth getting the builders in instead if you're desperate for an extra bedroom? Insurance firm Aviva predicts 7 million of us will renovate over the next two years, spending an average of £14,000 each. But what happens if the renovations go wrong, you run out of money, or you're hoping to move but no-one wants to buy your home? Felicity Hannah is joined by Beth Rudolf from the Conveyancing Association and Harvey Fremlin, Managing Director at The National Self Build & Renovation Centre. Presenter: Felicity Hannah Producer: Sarah Rogers/Helen Ledwick Editor: Jess Quayle (This episode was first broadcast at 3pm on Radio 4 on the 7th of May 2025)…
People over the age of 60 hold nearly £3 trillion of wealth in the value of their homes, almost all of it mortgage free. That is more than half of all housing wealth in the UK. Under 35s by contrast control only £600 billion and half of that is mortgaged. These startling figures were published recently by the upmarket estate agent Savills which has analysed housing data in Britain for many years. It says this disparity between young and old has never been bigger. MPs, charities and free debt advice providers are calling for an urgent change in the law to help protect the finances of thousands of domestic abuse survivors. At the moment people, mainly women, who are left in debt after fleeing abusive relationships normally have to have their names and addresses published as part of the process of getting that debt written off. Something campaigners say not only puts their personal safety at risk, but can also put them off addressing financial problems altogether. The government has said its currently reviewing this matter and will update in due course. And, annuities are a safe, regular income in retirement. You can use your pension fund to buy one and a growing number of people are doing just that. Sales of annuities have seen an 83% increase since 2020, based on figures from the Association of British Insurers. We'll discuss what's behind that rise. Presenter: Paul Lewis Reporters: Dan Whitworth and Jo Krasner Researcher: Catherine Lund Editor: Jess Quayle (This programme was first broadcast at 12pm Saturday 3rd May 2025)…
In an exclusive interview with this programme the Pensions Minister has talked about the government's plans to reform the UK's pension system. Torsten Bell has said that pension schemes should be moving more of members' money out of shares and into infrastructure projects where returns are higher. And he announced a new plan this week to bring millions of small pension pots together into one multibillion pound so-called 'consolidator scheme'. Hear that interview with Paul Lewis in full. Banks, building societies, utility suppliers and pension providers "must do far better" when it comes to helping people deal with the finances of loved ones who've died. That's what the Chief Executive of Hospice UK, Toby Porter, has told this programme. We'll discuss best practice and what can be done to improve poor service. And a government savings scheme designed to help people on low incomes is being extended and widened. How does Help to Save work? Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle (This programme was first broadcast 12pm Saturday 26th April 2025)…
Parents typically pay an average of more than £80 per week for a childminder and £66 per week for after-school club, to cover the hours they're working. That's according to the latest data from the charity Coram Family and Childcare. This week a new trial of free breakfast clubs launched at 750 schools across England, and the government says it'll save parents as much as £450 in childcare costs. Wales and Scotland already have programmes to provide free breakfasts to children in some primary schools. In this programme Money Box Live discusses what help is available to try and cut the costs of wraparound care. Felicity Hannah is joined by Lydia Hodges, Head of Coram Family and Childcare, and Laura Suter, Director of Personal Finance at the investment platform AJ Bell. Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle (The episode was first broadcast at 3pm on Wednesday the 23rd of April 2025).…
Money Box investigates fees being charged of teenagers who are struggling to access their child trust funds. We speak to an 18 year old who agreed to pay a claims management firm 25% of his fund plus VAT, not realising he could do it for free. Lord David Blunkett was in government when Child Trust Funds were created in 2002, he tells Money Box that the unclaimed public money sitting in CTFs should be going to young people not firms looking to cash in. Gold has seen rising prices this week in response to global markets turmoil. The precious metal is traditionally seen as a safe investment during times of economic turbulence. We look at the pros and cons of investing in gold and the different ways to do it. Bank branches continue to close and in some remaining branches hours or services are being reduced. We hear from a Money Box listener who struggled to make a face to face appointment at his local bank branch. Presenter: Paul Lewis Reporter: Sarah Rogers Researchers: Eimear Devlin and Jo Krasner Editor: Beatrice Pickup (First broadcast at 12pm Saturday 19th April 2025)…
New analysis shows that some parts of England have waiting lists for social housing that exceed 100 years. Recently the government pledged £2 billion of new investment to build up to 18,000 new social and affordable homes. But will that be enough? Felicity Hannah is joined by Jasmine Basran of the housing charity Crisis, and Alastair Smyth of the National Housing Federation. Presenter: Felicity Hannah Producer: Neil Morrow and Sarah Rogers Editor: Beatrice Pickup…
The stock markets have been on somewhat of a roller coaster since US president Trump announced global trade tariffs. Listeners emailed Money Box to tell us about the impact of the fall out in their pensions and investments. The advice from the Pensions and Lifetime Savings Association which speaks for pension companies is 'if you still have many years until you retire, you have plenty of time to recover short-term price falls'. But, what happens if you're retiring right now and you've seen your pension plummet? Also on the programme, the amount we owe on our credit cards is at record levels, topping £73 billion. But is increased borrowing an indication of consumer confidence or personal crisis? And do you know you state pension age? Research suggests many of close to retirement don't. Presenter: Paul Lewis Reporters: Eimear Devlin and Jo Krasner Output Producer: Craig Henderson Editor: Sarah Rogers (This episode was first broadcast on Saturday the 12th of April on BBC Radio 4)…
US Trade tariffs, stock market ups and downs, economic uncertainty. What do they all mean for your money? Since last Wednesday, when Donald Trump announced huge increases in tariffs for goods being imported by the USA, global stock markets have been in turmoil. Money Box Live is discussing what these events might mean for your personal finances, over the short, medium, and longer term. Felicity Hannah is joined by Russ Mould of AJ Bell, and Kirsty Stone of The Private Office. And they'll be taking questions from listeners. Presenter: Felicity Hannah Reporter: Eimear Devlin Producer: Neil Morrow Editor: Jess Quayle…
Stock markets around the world have plunged in reaction to the import tariffs imposed by President Trump and then the retaliation of China which responded with its own tariffs on American goods. Economists have warned that this trade war could seriously damage the world economy, and make all of us poorer. By the end of Friday shares traded in London had fallen nearly 5% in price. What does that mean for investments? The earnings limit on Carer’s Allowance is to rise this week. From 7th April working carers can earn up to £196 per week after certain deductions, the equivalent of 16 hours at the National Living Wage, and continue to claim Carer’s Allowance. That's an increase of £45 compared to the previous earnings threshold. But what, if anything, does that mean for the thousands of carers who're in debt because they unwittingly got overpayments of the benefit? Last year we tapped our cards 19 billion times in shops, pubs, cafes, and retail outlets without using our PIN. At the moment the upper limit for contactless card payments in person is £100, but regulators are considering raising it or even scrapping it altogether. What would that mean in practice? And, a reminder to get your postage stamps before the cost of them goes up. Presenter: Paul Lewis Reporter: Peter Ruddick and Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle (First broadcast at 12pm Saturday 5th April, 2025)…
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