Podcasts about fscs

Big changes could be coming to ISAs — the tax-free savings wrapper used by 22 million Brits. Chancellor Rachel Reeves is preparing a major review of the ISA market, aiming to nudge savers away from cash and into stocks and shares. Could we soon see a cap on cash ISAs? And if so, how might that reshape the way millions of us save and invest? And in today's Dumb Question of the Week: What is the ‘cost of capital'? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft --- Try PensionCraft's Premium Membership and get 75% off your first month. Simply use coupon code SAVE75 before July 1st, 2025. Gain access to premium content, and remember, you can cancel anytime and still retain access to our Beginner's bundle of courses. pensioncraft.com/investor-education/membership ---Get in touch

We all like to think we can handle a little risk – until the market drops 20% and we're refreshing our portfolio every ten minutes. Understanding your true risk tolerance is one of the most important – and most overlooked – parts of building an investment plan. But what exactly is risk tolerance? Can it be measured? And how should it shape the way you invest? And in today's Dumb Question of the Week: Should I wait until I've educated myself fully before investing? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft ---Get in touch

Diversification is famously the only free lunch in investing. But when asset correlations shift, that meal might come with an unexpected bill. Economic cycles, inflation surprises, and market crises can all rewrite the rules when you least expect it. And in today's Dumb Question of the Week: Can adding an asset with negative expected returns ever be good for your portfolio? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft ---Get in touch

After six decades at the helm, Warren Buffett has announced he'll step down as CEO of Berkshire Hathaway later this year. But as the Oracle of Omaha prepares to hand over the reins, can Berkshire thrive without him? And in today's Dumb Question of the Week: Why aren't there more investors like Warren Buffett? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft ---Get in touch

Markets are unruly beasts, swayed by shifting narratives, sudden rumours, and ever-changing expectations. But a handful of all-important stories will shape investor returns throughout 2025. From interest rates to trade policy to AI, ​​we explore what's capturing the market's attention — and why it matters. And in the Dumb Question of the Week: Can bad news be good news? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link: raisin.co.uk/pensioncraft ---Get in touch

Credit Suisse's collapse shook the global financial system, forcing regulators into a frantic search for solutions. We're joined by Duncan Mavin, author of the new book ‘Meltdown: Scandal, Sleaze and the Collapse of Credit Suisse' to discuss the downfall of a banking giant. And in the Dumb Question of the Week, we ask: How do you stop a bank run? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link: raisin.co.uk/pensioncraft ---Get in touch

Gilt yields are surging, straining government finances and raising fears of tax rises or spending cuts. But is this a UK-specific problem? And will the Bank of England be forced to respond? We're joined by Simon French, Chief Economist and Head of Research at investment bank Panmure Liberum. Simon writes on economics for The Times and previously worked in senior government roles at the UK cabinet office. And in today's Dumb Question of the Week, we ask: Why does the government need fiscal rules? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link: raisin.co.uk/pensioncraft ---Get in touch

Since the sweeping reforms of the 1980s, China's rapid industrialisation and extraordinary growth have transformed it into a true global power. But the engine of China's economic miracle is starting to sputter. Sluggish demand, mounting debt, and unfavourable demographics suggest trouble ahead. We're joined by George Magnus, a leading China expert who has written extensively on the risks facing the world's second-largest economy.And in the Dumb Question of the Week: Can we trust China's economic statistics? ---Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link: raisin.co.uk/pensioncraft ---Get in touch

Sensationalist headlines often lead to poor investment decisions, causing many investors to fixate on issues that have little impact on long-term returns. So, where should investors really focus their attention? And in today's Dumb Question of the Week: Should you invest if you're very nervous? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please go to raisin.co.uk/pensioncraft ---Get in touch

Political risk is one of the most unquantifiable aspects of investing — and one of the most consequential. Shifts in regulation, tax and trade policies can shake economies and upend asset prices. Our guest today is economist Larry Hatheway, who argues that markets vastly underestimate the dangers of a second Trump presidency. And in today's Dumb Question of the Week, we ask: Are trade deficits a problem? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please go to raisin.co.uk/pensioncraft ---Get in touch

How should you invest when everything is expensive? Stock market valuations are stretched, gold is up 40% on a year ago, and bitcoin has hit an all-time high. With some analysts forecasting a ‘lost decade' for US stocks, is it time to look elsewhere? And in today's Dumb Question of the Week: Why is Warren Buffett holding so much cash? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please go to raisin.co.uk/pensioncraft ---Get in touch

Gilt yields rose after the Autumn budget as markets absorbed sharp rises in investment, taxes and borrowing. Does Liz Truss's mini-budget still haunt UK debt markets? And is there a risk that investors will shun UK debt? In today's Dumb Question of the Week: Does public investment ‘crowd out' or ‘crowd in' private sector activity? --- Thank you to Raisin UK for sponsoring this episode. Raisin UK is a free, easy-to-use online savings platform, with savings accounts from over 40 FSCS-protected banks and building societies. Simply register, apply to open as many accounts as you like, and manage everything with a single login. Elevate your savings game today. What's more, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please go to raisin.co.uk/pensioncraft ---Get in touch

Send us a textIs your money protected? In this week's episode, we're joined by Matt Phillips, Head of Readiness at the Financial Services Compensation Scheme (FSCS). Matt discusses how  FSCS works and its vital role in protecting your finances when UK banks and institutions fail. From bank deposits to investments, pensions, mortgages, and insurance, learn how to secure up to £85,000 in compensation in the unlikely event of a firm's collapse.LEARN MORE ABOUT FSCS:https://www.fscs.org.uk/FCA REGISTER:https://register.fca.org.uk/s/Support the showFOLLOW PENNIES TO POUNDS

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   It's Mental Health Awareness Week so in this bonus episode of The Pension Confident Podcast, we're revisiting a really important topic - how to manage your money and your mental health. Tune in to hear the best bits from episode nine and hear from Philippa Lamb and our expert panel as they discuss how to talk about money, mental health and more. We hear from: Chief Communications Officer at the Financial Services Compensation Scheme (FSCS); Lila Pleban, Founder and Managing Director of Psychreg; Dennis Relojo-Howell, and PensionBee's COO and Mental Health First Aider; Tess Nicholson.    Episode Breakdown:  01:10 Personal experiences from the guests 04:12 Financial support from the FSCS 05:20 Early warnings signs of money and mental health struggles 06:45 How are money and mental health linked? 07:44 Money worries in retirement 09:26 How to manage money worries 10:25 Where to turn for financial support 11:39 Tips for keeping on top of your finances 12:32 Tips for managing your mental health 13:20 How to talk about money worries.   *If you're struggling right now and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT' to 85258 and speak to a volunteer, anonymously.  If you're concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust. Further reading: To learn more about money and mental health, check out these articles and podcasts from PensionBee: Six ways to manage your money and your mental health What is the impact of debt on mental health? Introducing our Mental Health First Aiders Recovering mental health and recovering finances Mental health in retirement E9: How to reduce the risk of money worries affecting your mental health (transcript) E9: How to reduce the risk of money worries affecting your mental health (episode) How PensionBee is supporting our vulnerable customers   Other useful resources: The Money and Pensions Service (MAPS) Citizens Advice Service Money Saving Expert National Debtline Money and Mental Health Policy Institute Shelter Mind Turn2us Mental health articles (Royal College of Psychiatrists) Royal College of Psychiatrists   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Financial Services Compensation Scheme (@FSCS) on Facebook, X, Instagram and LinkedIn. Follow Dennis Relojo-Howell (@Psychreg) on X, Instagram, Facebook, LinkedIn and YouTube.

Investing a lump sum is a big decision that comes with great responsibility. Should you be conservative with your newfound wealth? Should you pile into markets straight away or drip feed slowly over time? And in today's Dumb Question of the Week: What does FSCS protection cover? Thanks to Freetrade for sponsoring this episode. Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100. When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. ---Get in touch

It's important we are taking the correct steps to build a healthy retirement fund, but it's also crucial that we're making sure the money we're relying on for our future retirement is safe.   But how can we go about doing so? Well, to help me discuss retirement and the steps you can take to make sure your retirement savings are safe, I am joined today by Farah Baldock from FSCS!   To learn more about FSCS protection, and to check if your savings are protected, click here! For more All Things Money, make sure you give us a follow on ⁠⁠Instagram⁠⁠, ⁠⁠Twitter⁠⁠ and join our growing ⁠⁠Facebook Community⁠⁠! Fancy supporting the podcast? You can do so ⁠⁠here⁠⁠.

In this episode, I talk about how you can protect your cash savings from inflation. Key summary: Inflation in the developed world has increased substantially due to a variety of factors including the war in Ukraine, supply chain issues, the expansion of the money supply and the global economy emerging from COVID-19. Inflation is an insidious force which reduce the value of cash over time if you aren't careful. The value of money has fallen by c15% since the beginning of 2020. Call to action: protect your cash from inflation by depositing it in an account with the highest possible risk free interest rate. Competitive interest rates for savings accounts are currently >4.8% p.a. When depositing money in a savings account, please also consider:  Is your money safe? i.e. FSCS protected.  Is admin/monitoring simple? Active Savings is a good tool which I use.    Deposit limits? Make sure you are eligible to receive the headline rate.   Your liquidity profile? Use easy access accounts for your “rainy day” fund. Consider fixed term accounts if you want to try and lock in a “better rate for longer”.  Other useful links to competitive cash savings accounts: Money Saving Expert Money.co.uk Want to get in contact with me? Use the following channels: Instagram: ⁠⁠@_makeitstack⁠⁠  TikTok: ⁠⁠MakeItStack⁠⁠  Website: ⁠⁠https://caytonanalytics.com/⁠⁠  Email: william.waterhouse@cayton-analytics.com Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

Inflation is easing, food prices are coming down from their peak and the energy price cap dropped last weekend. But you are still paying around 10 per cent more for your groceries now than last year, petrol prices are rising, mortgage rates are still high, and you may end up paying more for your gas and electricity this winter too. But how is that possible? This week, Angharad Carrick, Georgie Frost, Lee Boyce and Helen Crane tackle energy bills and look at who might be paying more in the next three months. And when it comes to water bills, some firms are looking at charging 44 per cent more over the next seven years. Why? Crane on the Case this week tackles a parking charge issued after someone waited too long in a McDonald's drive-thru queue. Despite that, Helen managed to get a positive result – but why are so many parking charges being dished out every day, and where is the promised government help to stop it happening. Lee gives you a run through of another busy week in the world of savings and banking. NS&I has pulled its best buy one year fix paying 6.2 per cent; NatWest has a secret top 5.2 per cent easy-access deal; Moneybox is offering the top cash Isa of 5 per cent; and Starling Bank is now offering to pay you for having a current account. It's also been a hairy week for Metro Bank – but we explain why FSCS has you covered. And finally…the list of the UK's 'perfect' retirement locations has been revealed - and there are some surprising names on it, including the Outer Hebrides. Consumer group Which? has taken retirees' wish-lists for their later-life locations to work out its own grouping of the 12 top places to spend your golden years. But does it tally up to what you think is a perfect retirement location?

What are the different types of standard bank accounts, who regulates them and what on earth is an overdraft?You can check the protection offered by the FSCS here and you can check out the Financial Conduct Authority's website here Thanks for listening - don't forget to subscribe, share and reviewCheck out our website at Red Star Education See us on Instagram Follow us on Facebook Connect with us on TikTokYou can sign up for our self led courses - some of which are FREEFor Independent Financial Advice, connect with Kristen at Red Star Wealth or their InstagramFor Financial Coaching, you want to visit the Money Coach who also have Instagram

Title: Episode 64: Getting rid of the bad apples – FSCs work on risk based interventions Author(s): Worm, Loa Dalgaard Description: In this episode we talk about risk or more specifically how FSC is increasingly transitioning toward being a risk-based system. This means diving deeper into, how we in FSC are developing a system, where we evaluate the risk profile of a certificate holders and present them to with differentiated requirements for auditing, based on whether they are high risk or low risk. What does that mean, how far along is the thinking on this and how would this work? Those are some of the questions that I have today for my two guests, Marc Jessel, Chief Systems integrity officer at FSC, and Elena Tveritinove, interim program manager for Supply Chain integrity at FSC.

In der Rubrik “Investments & Exits” begrüßen wir heute Katharina Neuhaus, Principal bei Vorwerk Ventures. Katharina spricht über die Finanzierungsrunde von ACCURE Battery Intelligence und Communion:  ACCURE Battery Intelligence, ein Anbieter von prädiktiver Analysesoftware für Batterieoptimierung, hat in einer neuen Finanzierungsrunde 7,2 Millionen Euro erhalten. Die Finanzierungsrunde wurde von Blue Bear Capital und HSBC Asset Management angeführt und umfasste auch Riverstone Ventures und Capnamic Ventures. Das Unternehmen plant, seine prädiktive Analyseplattform weiter zu entwickeln, um die Sicherheit, Leistung und Lebensdauer von Batterien für Energiespeicher, Elektrofahrzeuge und andere Anwendungen zu verbessern. Die Investition ermöglicht ACCURE, sein internationales Wachstum in verschiedenen Branchen fortzusetzen, einschließlich Energieversorgung, Elektromobilität, Nahverkehr, Schifffahrt und Versicherungen.Das in London ansässige Fintech Communion hat in einer von Target Global geleiteten Finanzierungsrunde, an der auch Uncommon Creative Studio und Angel Investments von Erin Lantz, Greg Marsh und Max Rofagha beteiligt sind, 2,5 Millionen Pfund als Pre-Seed-Finanzierung erhalten. Communion wurde vom ehemaligen Habito-CEO Daniel Hegarty gegründet. Die App bietet eine FSCS-geschützte Sparfunktion sowie Schulungen zur Gewohnheitsbildung und Verhaltensänderung im Umgang mit Geld. Zusätzlich ermöglicht sie den Nutzern den Zugang zu einem Team von Geldberatern.Hier das Interview mit ACCURE Battery Intelligence vom 21.09.2021.

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com   On this special bonus episode of The Pension Confident Podcast, we're turning the mic around on our Host; Philippa Lamb, to hear her favourite moments from the podcast so far.  We've had some brilliant guests - from CEOs to campaigners, barristers to financial influencers, along with some of our favourite in-house PensionBee experts. On this episode we'll hear a range of important financial topics discussed from the likes of:   CCO of the Financial Services Compensation Scheme (FSCS); Lila Pleban Founder of The Money Whisperer; Emma Maslin CEO of Bloom Money; Nina Mohanty Head of Communications at the FSCS; Emma Barrow Co-Founder of Islamic Finance Guru; Ibrahim Khan Barrister, Mediator, Family Arbitrator, and Spokesperson for Advocate; Paul Infield Personal Finance Expert and Blogger at This Girl Talks Money; Ellie Austin-Williams Read the episode transcript here.   Episode Breakdown:  02:02 Credit card debt and money worries 04:51 Reducing the gender pension gap for our children  06:52 Credit scores and credit invisibility 10:10 Shariah investing 14:25 The financial risk of ‘Common law marriage'    Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

Charles McManus, Group CEO and Executive Director, Clear.BankClearBank is one of only 5% of new banks around the world that have reached profitability – in 2020 it nearly tripled income to £58 million. The bank was founded with the aim of making payments faster, safer, more reliable and accessible to all. ClearBank offers its client institutions secure accounts, clear payments in real time and allows them to enhance their banking propositions to their customers. ClearBank Group CEO Charles McManus speaks to Robin Amlôt of IBS Intelligence.

In Episode 39 of the Dirt Logistician, MAJ Sarah Barron (Goldminer 05) interviews MAJ Griffin Hill and SFC Richard Rayman of 123rd BSB, 3/1 AD after rotation 23-06 about their SPO OIC/NCOIC relationship and how they run their shop.   Key Topics include: -Talent management in the face of minimal staffing -Specified and implied tasks -Communicating with the FSCs and supported units -Personality-based and process-based shops -Supporting HHC requirements

Title: Episode 60: FSC Check – how FSC will use risk evaluation as part of the certification process Author(s): Worm, Loa Dalgard Description: In this episode we dive deep into the world of safeguarding FSCs integrity and ensuring that the businesses and organisations around the world working with FSC are the good guys. In a world where sustainable transformation is the norm and prerequisite for many business transactions and license to operate, getting certified by FSC is increasingly attractive to companies around the world. This is a positive thing. But it also means that some might want to join FSC, who do not necessarily fit the profile of companies, we want to work with. They might be deforesting forest areas in other parts of their business or violating human or workers' rights. Destructive activities such as these are a part of a longer list of actions that are in the FSC system called “unacceptable activities”. Today we are going to talk about a new tool in FSC, which will help us identify the if a company that wants to get certified, or an applicant member has been involved in an unacceptable activity or not, based on which FSC will allow them to enter the FSC system or reject their application. To help me understand more, I've invited Saija Hotti, Program Manager for Operations and Development at FSC.

Financial institutions like banks have sometimes failed, so we want to know what happens to your money if they do. It's a legitimate fear so we're sitting down with Emma Barrow from the Financial Services Compensation Scheme (FSCS). The FSCS are the ‘last resort' who will pay you back your money if your bank fails, up to £85,000 per person per bank - but it's a bit more complicated than that. Your bank has to be regulated in the UK and a bank is defined by the organisation that has a banking license which can cause problems. The FSCS don't just cover banks though and there are plenty of important nuances, so let's get to the bottom of it - when is your money protected? -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Bootcamp Get on the waiting list here: https://forms.gle/mdQgMgZBu8TWZ5qMA -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep10. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM' (for Making Money). You can use this code for up to 10 days after opening the account. … This is not financial advice. The reason it's not financial advice is because it's not tailored to you. We explain the principles of building wealth but if you want personalised advice, it's worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Over 30 years he has developed a strong reputation on the international corporate speakers' circuit for his work on thought leadership and for delivering personally moving interventions with long lasting effect. His intimate, uplifting and humorous messaging relates powerfully to our lives both in and out of work.His overriding purpose is to help us generate ever increasing levels of virtue, optimism, courage and generosity. This helps us realize even greater spirit as we navigate change, serve others, overcome challenges and carry out our everyday interactions with a warmer tone, greater awareness and stronger conviction for achieving excellence.He chairs and presents at numerous conferences for organizations including: Aviva, AXA, British Gas, British Telecomm, BSKYB, British Navy Training, BUPA, Cancer Research UK, Centrica, Dropbox, E.on, EE, Expedia Group, The FSCS, Hewlett Packard, HSBC, IBM, Microsoft, MoreTh>n, NBCUniversal, Network Rail, Npower, O2, RSA, The AA, The Bill and Melinda Gates Foundation, The FCA, The NHS, VirginMedia…Please click here to learn more about Ian Woodhouse.About Brad Sugars Internationally known as one of the most influential entrepreneurs, Brad Sugars is a bestselling author, keynote speaker, and the #1 business coach in the world. Over the course of his 30-year career as an entrepreneur, Brad has become the CEO of 9+ companies and is the owner of the multimillion-dollar franchise ActionCOACH®. As a husband and father of five, Brad is equally as passionate about his family as he is about business. That's why, Brad is a strong advocate for building a business that works without you – so you can spend more time doing what really matters to you. Over the years of starting, scaling and selling many businesses, Brad has earned his fair share of scars. Being an entrepreneur is not an easy road. But if you can learn from those who have gone before you, it becomes a lot easier than going at it alone. That's why Brad has created 90 Days To Revolutionize Your Life – It's 30 minutes a day for 90 days, teaching you his 30 years experience on investing, business and life.Please click here to learn more about Brad Sugars.Learn the Fundamentals of Success for free: The Big Success Starter: https://results.bradsugars.com/thebigsuccess-starter Join Brad's programs here: 30X Life: https://results.bradsugars.com/30xlifechallenge 30X Business: https://results.bradsugars.com/30xbusinesschallenge 30X Wealth: https://results.bradsugars.com/30xwealthchallenge 90X – Revolutionize Your Life: https://30xbusiness.com/90daystorevolutionize Brad Sugars' Entrepreneur University: https://results.bradsugars.com/entrepreneuruniversity For more information, visit Brad Sugars' website: www.bradsugars.comFollow Brad on Social Media:YouTube: @bradleysugars Instagram: @bradleysugars Facebook: Bradley J SugarsLinkedIn: Brad SugarsTikTok: @bradleysugarsTwitter: BradSugars The Big Success Podcast https://businessinnovatorsradio.com/the-big-success-podcast/Source: https://businessinnovatorsradio.com/ep-24-ian-woodhouse-the-big-success-podcast-with-brad-sugars

In this episode of In Conversation with, host Kim Dondo talks to Emma Barrow, Head of Communications at the Financial Services Compensation Scheme (FSCS). Emma discusses her journey to becoming Head of Comms, her involvement in the FSCS podcast, and the impact of the SVB crisis on the FSCS. She also talks about other areas where the FSCS offers financial protection, her advice for financial advisers on how to help their clients protect themselves from financial losses, the most important things for financial advisers to know about the FSCS, and how financial advisers can work with the FSCS to help their clients get the compensation they deserve.  

On this episode of Women & Money Cafe, host Julie Flynn dives into the world of investment risk and how to determine personal risk for investments. Julie shares insights on how higher investment risk often leads to higher returns and how investing in multi asset funds or purpose-built portfolios can help reduce the risk of losing all your money. She also reveals how financial scams and unexpected global events impact investments and offers practical advice on how to create a balanced investment portfolio based on your time horizon. Along with that, she shares a scoring system based on level of experience, competence, and time frame and emphasizes why the biggest determining factor of how much money one makes or loses in investments is their own behavior. So join Julie Flynn on Women & Money Cafe as she demystifies investment risk and offers valuable insights and advice on understanding, measuring, and dealing with risk. [00:00:05] "Women of Money Cafe: Decoding Investment Risks"[00:00:57] "Understanding Risk: Key Factors for Investing"[00:02:26] "Understanding Investment Risks: Don't Fear Losses"[00:03:48] "Your Workplace Pension: Safe from Financial Turmoil"[00:05:23] "The Real Risk in Investment? It's You."[00:06:52] "Scoring Your Investment Knowledge: A Simple Guide"[00:08:00] "Scoring Your Investment Experience: 2 to 8"[00:10:38] "Choosing Investment Labels: A Guide for Timelines"[00:11:24] "Maximize Your Investment Returns With Portfolio Diversification"[00:12:08] "Black Swan Events: Don't Panic, Stick With Diversification"Find out which banks share a licence for FSCS purposes hereLearn more about the Financial Services Compensation Scheme (FSCS) hereReally serious about it, check out FinaMetricaYOUR HOSTJulie Flynn is an experienced independent financial adviser and ICF coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Although the FSCS (Financial Services Compensation Scheme) is a relatively small organisation, employing around 250 people, the People team's work in the Equity, Diversity and Inclusion space has led to it consistently ranking in the ‘Top 50 Most Inclusive Employers' list.In this episode of HR Coffee Time, their Head of People – Lisa Faulkner shares practical tips and advice for any organisation who wants to focus on EDI based on her experience within the FSCS.Lisa's advice includes:1. Start small and then expand on what you've done so far.2. Use internal and external data.3. Set yourself realistic targets.4. Turn to other organisations for advice and support.5. Commit to charters.6. Ask people throughout your organisation what will help them.7. Consider the wider impact you can have on the local community and the world as a whole.Key Resources Mentioned in This EpisodeBusiness in the CommunityThe Race at Work CharterChange the Race RatioAdecco's Creating Brighter Futures programCIPD's Equality, Diversity & Inclusion reportsThe Women in Finance CharterThe Responsible Business TrackerPositive EastLisa's Book Recommendations(Disclosure: this book link is an affiliate link which means that Fay will receive a small commission from Amazon if you make a purchase through it)The HR (R)Evolution: Change the Workplace, Change the World, by Alan Watkins & Nick DaltonCoherence: The Science of Exceptional Leadership and Performance, by Alan Watkins Connect With FayConnect with Fay on LinkedInFay's website: Bright Sky Career Coaching Other Relevant HR Coffee Time EpisodesEpisode 58: How to feel more confident using data & analytics in your HR role, with Angela MoyleEpisode 70: Supporting yourself, or your colleagues at work with Tourette Syndrome, with Devon LovellEpisode 68:...

Enjoying the podcast? Then don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email:  podcast@pensionbee.com    A fond welcome to the 15th episode of The Pension Confident Podcast. This time, we're discussing how financial institutions can be more inclusive of those who might be more vulnerable when it comes to their finances. ‘Levelling up' seems to be the buzz phrase of the moment. But what does that actually mean in practice? You may have fallen behind financially due to where you live, or maybe the system or service you're using just simply isn't designed for someone with your set of circumstances. That could be your ethnicity, religion, gender, age or something else entirely. Helping us to ‘level up' and discuss how we achieve financial inclusion are: CEO of Bloom Money; Nina Mohanty Head of Communications at the Financial Services Compensation Scheme (FSCS); Emma Barrow PensionBee's CDO; Matt Loft.   Episode Breakdown:  01:53 When we've felt excluded 04:42 Who's likely to be financially excluded? 06:37 Those who choose not to use financial services 08:37 Accessibility to technology and in-person banking 14:29 Low credit scores 20:08 Low income and insurance  22:01 What the government and industry should do to help   *We thought it would be helpful to highlight our sources for some of the key stats we mentioned in this episode: We say there are about 3 million Muslims living in the UK. According to the latest census, the actual number is 3.87 million.   We say there are around 11,000 Post Offices in the UK. The precise number is 11,635. We talk about plans for 28 new ‘shared banking hubs'. There are actually plans to open 38 more of these. We were 1% off on the difference between the average amount in men's and women's pension pots. Our data shows that men have 39% more in their pots, on average, than women.    Further reading: Need a little extra help to level up? Then check out these articles from PensionBee.  Episode 15 transcript The importance of financial inclusion How PensionBee's supporting vulnerable customers What is pension poverty? Under-pensioned: finding disability support Recovering mental health and recovering finances How can I make my money Shariah-compliant? How can we improve financial health amongst women? How are pensions affected by wealth inequality?   Other useful resources: Responsibility in design: designing products for accessibility, disability and neurodiversity (YouTube) How to check your credit report (Money Helper) FSCS Bloom Money OneBanx Plain English Campaign Plain Numbers Progress Together Levelling Up the United Kingdom (Government white paper)   Come and see us live! On Thursday 4 May we'll be recording our first ever episode in front of a live studio audience and we'd love for you to join us.  We'll be at White City Place in London from 6:30pm to discuss whether your money's better off in a pension or an ISA. You'll also have the chance to get your questions answered by our expert panel:  Founder of Money To The Masses; Damien Fahy Consumer Editor of the Financial Times and presenter of the Money Clinic Podcast; Claer Barrett Financial Expert and Host of The Conversation of Money Podcast; Peter Komolafe Director (VP) Public Affairs at PensionBee; Becky O'Connor. Tickets are absolutely free, so if you'd like to attend - just click  here.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Nina @BloomMoney on Instagram, TikTok LinkedIn and Facebook and @FSCS on Facebook, X, Instagram and LinkedIn.

Title: Episode 54: One step at a time, FSCs new solution for community and family forests Author(s): Worm, Loa Dalgaard

Paul at https://www.archercourses.com joins you this morning with two updates that may affect mortgage advisers. The first is to refresh your CeMAP 1 knowledge on the FSCS as the figures have changed. This doesn't affect your world as an adviser but is helpful for updating. Paul will visit the FSCS website and show you. Then Paul will remind you of Continue Reading

Gaydio are proud to bring you a podcast with the Financial Services Compensation Scheme to highlight the amazing work of their employees and more importantly, why it's such a great place to work for LGBTQ+ people.

In this podcast we were truly blessed to be joined by David Blackburn. David is the Chief People Officer for the Financial Services Compensation Scheme and was recently awarded 3rd Most Influential HR Professional by HR Magazine in the UK for 2022! David has been in HR for 25 years and shares with us his work around creating cultures that allow people to give their best every day. Tune in as we unpack.... What David has done to enable the FSCS to be recognised as the  4th employer in the top 50 list of most inclusive employer His mantra on 'how do we make it easier for people to be at their best every day' Why wellbeing in the workplace is a strategic investment to an organisation Where to start when it comes to implementing any wellbeing initiative  Not taking action for actions sake when it comes to wellbeing Getting the C Suite involved in the wellbeing strategy What Mental Health First Aiders need to work safely and effectively To find out more about how we can support your MHFA's drop us a line at info@themindsolution.com You can also book your free consultation to explore further how we can help you with your wellbeing strategy and training; https://calendly.com/the-mind-solution/free-consultation Links https://themindsolution.com/ https://www.linkedin.com/in/saramaude/ Contact us at info@themindsolution.com

The UK is heading into recession say BoE, and Inflation set to hit 13% this Autumn  Mortgage affordability rules relaxed by the Bank of England The Bank of England (BoE) has raised rates by 0.5 percentage points to 1.75%. The news marks the biggest UK interest rate rise in 27 years. This is the BoE's latest attempt to calm soaring inflation levels, which are expected to reach 13% by the end of the year as the UK faces the biggest squeeze on living standards in 60 years. Property transactions are already down 55% on 2021 - https://youtu.be/Q4ycEfF7ER4 Interest rate rises should be good news for savers, right? High street banks should pass on interest rate rises to savers? But do they? As at 30 June, despite five rate changes since the middle of December, lots of high street banks' rates have hardly moved and many have stayed where they were before the rate hikes started. The average market rate for instant access accounts is just 0.31%. Millions of savers are facing more time stuck earning almost nothing on money held in instant and easy-access bank accounts. So, what can you do to make more of your savings? This article isn't personal advice. If you're not sure what's right for your circumstances, seek advice. Look further than your high street bank Well-known banks often pay the lowest rates. Some of the large high street banks currently only offer 0.2% on their instant access accounts. That's just £20 interest on a £10,000 savings pot after a whole year. In reality, the big banks don't need to work as hard for your money and don't really care as much as smaller banks and building societies who will offer more attractive rates to attract your money.  Protect your savings. If you have more than £85,000 in cash with different banking brands under the same licence, it could be sensible to move your savings elsewhere, to maximise your protection under the FSCS. Use fixed terms Fixing your savings for a set term will increase your returns. Alternatively, invest in real assets like property. See: 6 Tips to get on the property ladder - https://youtu.be/F4spqKpYZo4 Learn how to get started as a first-time property buyer. Open House South Herts is advertising property deals in the north of the UK from just £30,000 asking price with yields of between 10 and 15%. – see https://www.facebook.com/estateagentswatfordelstreeandborehamwood A slowdown in the property market means more opportunities for buyers and investor! Mortgage affordability rules relaxed by Bank of England The UK mortgage borrowing rules have been changed after the Bank of England scrapped an affordability test for lenders. The so-called "stress test" required mortgage lenders to calculate whether borrowers applying for a mortgage would be able to afford the loan in the event of interest rates rising by up to 3%. The removal the test could be good news for some potential borrowers, for instance, the self-employed or freelance workers, by helping them to qualify for loans. Other rules, such as strict loan-to-income limits, will not make it more difficult for most people to obtain a mortgage. The withdrawal of the affordability test, first announced in June, came into effect on Monday. There will be no immediate impact for borrowers as lenders will not need to change the way they assess loans, but some could change their own rules in the future. The mortgage affordability test was introduced in 2014 as part of a widescale tightening up of the mortgage market to ensure there were no repeats of the mis-selling scandal that partially contributed to the 2008 financial crisis. Lenders had to not only work out if borrowers could afford a mortgage at the rate they were being offered, but also work out how they would be affected if interest rates soared by 3%. Borrowers who could not prove they could cope with such an eventuality might have been turned down for a loan on that basis, even if they could easily afford a mortgage at the existing rate. For that reason the test was seen by some as a barrier for some borrowers. For example, some potential first-time buyers who have been comfortably affording rents far higher than potential mortgage payments have failed affordability assessments. There are some key protections in place to help ensure that borrowers don't take on loans they may not be able to afford. The main one is a loan-to-income "flow limit" which limits the number of mortgages that lenders can grant to borrowers at ratios at or greater than 4.5 the borrowers' salary. In short, it is very rare that a lender will consider a higher loan-to-income ratio because of the restriction. The FCA's Mortgage Conduct of Business responsible lending rules also require a wide assessment of affordability. Find out more about property investing. You can learn the secrets of professional property investors who have built huge portfolios with other people's money. FREE TRAINING – BEGINNERS PROPERTY SECRETS This Beginner Property Investing Secrets free training webinar is designed by the industry's top investing trainers to bring you valuable content; providing you with the tools to successfully invest in buy-to-let properties, raise finance and build a mighty portfolio from the ground up. Live training Wednesday at 7pm UK time. CLICK TO JOIN THE LIVE ONLINE EVENT  https://bit.ly/3DlSlCL See omnystudio.com/listener for privacy information.

Title: Episode 43: Fashion inside out – FSCs engagement in the Fashion industry, featuring Loa Worm and Ewa Hermanowicz Author(s): Worm, Loa Dalgaard

The levy for the Financial Services Compensation Scheme may have gone down in 2022-23 but the chief executive of the FSCS still thinks reform is needed.Caroline Rainbird sat down with FTAdviser news editor Amy Austin to discuss the levy and why she thinks the compensation limit on pension claims is going to need to be increased.They also discussed the British Steel Pension Scheme scandal and why the tail of compensation means advisers are unlikely to see their levy bills drop in the near future. The FTAdviser Podcast is the podcast for financial advisers, brought to you by FTAdviser. Each week, FTAdviser is joined by guests from the industry to discuss the week in news and pressing industry issues. See acast.com/privacy for privacy and opt-out information.

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Democracy's judiciary will move at lightning speed to secure verdicts that favor the enemies of the Islamic Ummah, including the release of Raymond Davis and clemency for Kulbhushan Jadhav. However, Democracy's judiciary drags its heels when it comes to the commands and prohibitions of Allah ﷻ and His Messenger ﷺ. The Federal Shariat Court (FSC) first delivered judgment prohibiting Riba in November, 1991, but delayed its implementation to 30 April, 1992, which did not occur. Then in December, 1999, the Supreme Court upheld the decision of the FSC and directed authorities to ensure its implementation by 30 June, 2000. However, in June 2002, the decision was suspended by the Supreme Court and the case was referred back to the FSC for interpretation of Riba. Now, two decades later, on 28 April 2022, the FSC has prohibited Riba but allowed five years for its implementation! O Muslims of Pakistan! Whilst Democracy delays the implementation of Islam, Pakistan is sinking in debt because of interest. In 1991, in the year of the FSCs first verdict, national debt was 825 billion rupees. By 2011, Pakistans debt soared to 10 trillion rupees and then it quadrupled, approaching 40 trillion rupees, in 2021. Pakistans rulers now spend over three trillion rupees, over half of Pakistans taxation revenues, on interest payments on loans. Pakistans rulers ensure interest payments are always made, without ever defaulting, by bleeding us dry for taxes, whilst taking on even more loans on interest, so our future generations face even worse than what we face now. Moreover, whilst Democracy delays the prohibition of interest, Pakistan invites war from Allah ﷻ and His Messenger ﷺ. Allah revealed in the Noble Quran, يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ (278) فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ “O you who believe, fear Allah and give up what remains of your demand for riba if you are indeed believers. If you do it not, take notice of war from Allah and His Messenger. (TMQ Surah Al-Baqarah 2:278-279). O Muslims of Pakistan! Reject democracy that drowns us in ever growing interest-based debt and invites the visitation of the punishment of Allah ﷻ upon us. Establish the Khilafah (Caliphate) on the Method of Prophethood, which will abolish all interest based transactions from the moment of its arrival. Allah ﷻ said, أَفَتُؤْمِنُونَ بِبَعْضِ الْكِتَابِ وَتَكْفُرُونَ بِبَعْضٍ ۚ فَمَا جَزَاءُ مَن يَفْعَلُ ذَٰلِكَ مِنكُمْ إِلَّا خِزْيٌ فِي الْحَيَاةِ الدُّنْيَا ۖ وَيَوْمَ الْقِيَامَةِ يُرَدُّونَ إِلَىٰ أَشَدِّ الْعَذَابِ ۗ وَمَا اللَّهُ بِغَافِلٍ عَمَّا تَعْمَلُونَ “Do you believe in some of the Scripture and reject the rest? Is there any reward for those who do so among you other than disgrace in this worldly life and being subjected to the harshest punishment on the Day of Judgment? For Allah is never unaware of what you do.” [TMQ Surah al-Baqarah 2:85].

UK house prises continue to rise due to a shortage of family homes, the Halifax reports Despite the worst recession since the second world war, the price of the average home in the UK has rocketed by £43,577 since the start of the first lockdown two years ago, the Halifax has said. The UK's biggest mortgage lender said the 18.2% rise increased the cost of an average home to £282,753. Buyers seeking more space saw a 21% rise in the price of detached homes compared with a 11% rise in flat prices over the same period. Higher mortgage rates will start to reduce buyer affordability and the amount people can borrow, which may dampen prices. Increased living costs will inevitably affect how much first-time buyers can save, borrow and spend on a property. As we enter the traditional springtime buyer activity season, estate agents are already reporting continued demand and a shortage of larger family houses, which means sellers can obtained higher prices. Full article Funeral plan provider goes bust – what do you now if you have a prepaid plan? Following the recent utility providers bankruptcies, another inflation-led disaster is brewing in the funeral industry. Safe Hands, a UK ‘prepaid funeral plan' provider, has collapsed into administration, leaving thousands of customers worried about what to do now, plus many others concerned that other companies will follow suit amid soaring costs and inflation.  Insurance vs Prepaid Funeral Plans The other way of providing for future funeral costs is the traditional method of taking out insurance which pays out on your death.  I have far more confidence in insurance companies, like Legal and General and Sun Life, that have been around in some cases for over a hundred years than a funeral plan provider. Insurance companies are heavily regulated and employ actuaries to calculated liabilities years into the future. They also have reserves which can see them through the bad times like world wars, recessions and depressions. Funerals can easily cost in excess of £5,000 excluding the burial plot.    Safe Hands, Dignity Funerals Limited will provide existing customers with funeral care arrangements until 20 April 2022, and customers should contact the customer services team on 0800 640 9928. There is no confirmed plan in place after 20 April.  Worryingly, six funeral plan providers have not even applied for authorisation See the FCA website to find a published list detailing which firms have yet to apply for authorisation, as well as those who are transferring their books to other providers. There are six companies who have not yet applied for authorisation are: If your provider does not get authorised by the FCA you have no protection from the FSCS should your funeral plan provider go into administration before 29 July, or if it has its FCA application refused. In the meantime, customers will have greater protection when taking out a prepaid funeral plan on or after 29 July this year. Other Financial News NI tax rises kick in, most employers and employees will pay an extra 1.25p in the pound, but lower paid will pay less due to recent threshold changes in Rishi Sunak's budget.  Economic winter The economy is in winter, but winters are tough but they never last forever. Like the farmer who prepares for the next season's work, now is the time get ready and come out even stronger when the recession ends. To help you get through this and come out stronger at the other end I have prepared a brand-new training, which you can access right now from the comfort of your home. To help you get through this and come out stronger at the other end I am offering subscribers aFree Wealth Discovery Accelerator Call.  I will personally speak to you to help you accelerate your wealth building journey. Click HERE to schedule a call with me.  See omnystudio.com/listener for privacy information.

Answering some more listener questions this week! We're talking about focusing on growing income rather than cutting expenses. Yes the cost of living is biting everyone, but let's focus on ways to increase our earnings rather than cutting our expenditure.I talk through some practical ways that families can do this, as well as explaining the FSCS protection on investments and why the ETF VXX has closed.Make sure you join me for Friday Lunch Money on YouTube at 12pm this (and every) Friday! The Hedge YouTube ChannelFind more content from me at thehedge.io Get full access to The UK Money Guide at theukmoneyguide.substack.com/subscribe

Title: Episode 38 FSCs Technology wheel starting to spin, with Michael Marus, Marc Jessel and Scot McQueen, FSC International Author(s): Worm, Loa Dalgaard

The Financial Services Compensation Scheme levy may be one of the issues which most vexes advisers who run their own firms.Indeed the overall FSCS levy has increased in nominal terms from less than £300m in 2011-12 to an expected levy of £717m in 2021-22.The Financial Conduct Authority has accepted this situation is not ideal and it has admitted the burden of the levy has fallen on firms which have done nothing to bring about these liabilities.So now the regulator has set out plans to address this by tackling the root cause of high FSCS costs through a more stringent appointed representative regime, reforms to prudential rules and the prospect of a risk-based levy.This week FTAdviser digital editor Damian Fantato is joined by Tim Fassam, director of government relations and policy at Pimfa, and Claudia Clay, risk and regulatory director at The Private Office, to discuss the proposals.They discuss the FCA's proposal that high-net worth individuals could be ineligible for compensation, whether the scope of FSCS protection should change and whether a risk-based levy is ever likely to see the light of day.The FTAdviser Podcast is the weekly podcast for financial advisers, brought to you by FTAdviser. Each week, FTAdviser is joined by guests from the industry to discuss the week in news and pressing industry issues. See acast.com/privacy for privacy and opt-out information.

Special Guest: David Blackburn: Chief People Officer, Financial Services Compensation Scheme (FSCS) Since COVID-19, and the economic and social fallout which has followed, companies have been forced to re-engineer their organisations overnight. This instantaneous shift has led to increased expectations for flexible hybrid working, a greater demand for career development and a new focus on employee experience – so how do you ensure that you're building a really great place to work? In this interactive and practical session David Blackburn – Chief People Officer of the Financial Services Compensation Scheme (FSCS) – will share the FSCS's multi-award-winning journey to build back better. Against the backdrop of last year how they drove significant improvements in business performance, customer satisfaction and employee experience to be recognised as the Engage Awards Great Place to Work 2020. David Blackburn is one of the most awarded HR professionals working in the UK today.  In January, David was made a Chartered Companion of the Chartered Institute of Personnel and Development (CIPD).  T With over 20 years' experience in leading all aspects of Human Resources, David is currently the Chief People Officer of the Financial Services Compensation Scheme (FSCS).  Prior to his current role he worked across both the private and not-for-profit sectors.  David is a graduate of the University of Aberdeen and the London Business School; a Fellow of the Royal Society of the Arts, Manufactures and Commerce; the Institute of Leadership and Management and a Member of the Guild of HR Professionals. Join us as we discuss how to ensure that you're building a really great place to work Listen Live (Archive Available) Host: Jo Moffatt

In this edition of The Advice Show podcast, Citywire New Model Adviser reporter James Fitzgerald speaks with Pimfa's director of government relations and policy, Tim Fassam, about the FCA's latest row back on its Financial Services Compensation Scheme (FSCS) levy reduction target and why the regulator needs to come up with a more ambitious solution.

In this edition of The Advice Show, reporter James Fitzgerald speaks with Neil Moles, the CEO of national IFA Progeny, about why advisers need to come together and create a code of ethics and how that can stop the ‘claims culture' currently being seen in financial services.

Last month the Financial Conduct Authority published its business plan for 2021-22, setting out how it plans to adapt itself to the "profound forces transforming the entire landscape of financial services". But what does this mean for financial advisers?The FCA has said it will be conducting a review into the scope and coverage of the Financial Services Compensation Scheme. Will this bring about the reform that advisers want? And what impact will the tougher approach on authorisations have?This week FTAdviser's digital editor Damian Fantato is joined by Tim Fassam, director of government relations and policy at Pimfa, and Neil Moles, chief executive of Progeny Group, to discuss these issues.They discuss what the FCA's cancelled suitability review means, whether the FCA's suggestion that it might shift the focus away from the FSCS onto capital adequacy will work and whether a tougher "authorisation gateway" can address issues such as phoenixing.The FTAdviser Podcast is the weekly podcast for financial advisers, brought to you by FTAdviser. Each week, FTAdviser is joined by guests from the industry to discuss the week in news and pressing industry issues. See acast.com/privacy for privacy and opt-out information.

In this special edition of the interactive investor podcast, news editor Sam Barker meets Caroline Rainbird, chief executive of the Financial Services Compensation Scheme (FSCS) to discuss the rise of financial scams. Visit ii.co.uk/stock-market-news for more insight and ii.co.uk/about-ii/your-protection to find out how interactive investor helps keep your money safe. This material is intended for educational purposes only and is not investment research or a personal recommendation to buy or sell any financial instrument or product, or to adopt any investment strategy. The value of your investments can rise as well as fall, and you could get back less than you invested. The investments referred to may not be suitable for all investors, and if in doubt, an investor should seek advice from a qualified investment adviser. Past Performance is not a guide to future performance. Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

Advisers are used to getting frustrated about the Financial Services Compensation Scheme (FSCS), but few will be familiar with helping clients claim on it. The process is actually mercifully simple, but as Felix Milton discovered, there is more to the FSCS than just claims. When it comes to helping clients who have been wronged, there are a whole host of other things to consider: how to invest the compensation, if there is any, how to establish and maintain trust, and, crucially, how to spot who needs more help and who needs less. In this episode, Felix joins Ollie Smith for a special four-part mini-series looking at financial planners' best work, kicking off with a discussion about how he is helping a number of clients either claim on the FSCS, or face down claims management companies. The discussion lasts for around 20 minutes. If you are interested in sharing your best work on the show, get in touch with Ollie at osmith@citywire.co.uk.

Title: Episode 14: Co-creating solutions for the World's forests. FSCs Global Strategy 2021 – 2026, episode 2 of 3 featuring FSC Climate Director Pina Gervassi and WRI Senior Follow Walter Vergara Author(s): Worm, Loa

Title: Episode 13: Utilizing data and technology to accelerate growth and impact. FSCs global strategy 2021 – 2026, episode 1 of 3 featuring FSC CIO Michael Marus and World Food Program CIO Enrica Porcari Author(s): Worm, Loa

The coronavirus crisis has created a "perfect storm" in which scammers can target victims distanced from their support network, according to the guests on the latest edition of the FTAdviser Podcast.This week reporter Rachel Mortimer talks to Myron Jobson, personal finance campaigner at Interactive Investor, and Simon Harrington, senior policy adviser at Pimfa, about the targets scammers have spotted during the pandemic, why social distancing can hamper attempts to stop scams and what advisers can do to protect their clients and their businesses.Then, Rachel talks to reporters Amy Austin and Imogen Tew about the spending review and the FSCS levy.The FTAdviser Podcast is the weekly podcast for financial advisers brought to you by FTAdviser.com. See acast.com/privacy for privacy and opt-out information.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's pocast, Damien explains what happens to pensions on divorce and what you need to know. Damien details how he analyses new investment propositions so that you can too. Finally Damien explains why you could be about to lose the FSCS protection on your investments thanks to Brexit. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Damien's Money MOT - Take yours today 80-20 Investor - Click here to find out more about Damien's 80 20 Investor service Pension Calculator

As the pandemic continues to impact personal finances across the world, research shows that women and minority groups are being disproportionately affected. That's why it's increasingly important that financial products, such as bank accounts, savings products and financial advice, are accessible and inclusive for everyone. The FCA estimates that in the UK, 1.3 million adults don't have access to a bank account. Can technology, and the rise of online banks like Starling or Monzo, help make personal finance more inclusive and empower customers to take control of their money? My guest today is Nina Mohanty - a financial technology expert - who has had an incredible career in the financial tech industry, working with some of the biggest startups that have transformed the way we manage our money. Nina is an advocate for financial inclusion, working on products that champion inclusion and help users build financial resilience, allowing them to be more prepared for life's unexpected events as well as it's opportunities. Today, Nina shares with us her personal, and professional financial journey. We talk about how the fintech industry evolved and what happens at the crossroad of financial services and technology and how fintech can empower people to make better financial decisions. Nina is very honest about her own financial journey (she's all about transparency!), tells us how she got into debt, and gives us her top apps and tools that have aided her to spend, save and to get started investing. You can follow and connect with Nina at: Twitter: www.twitter.com/ninamohanty Instagram:@nina.mohanty Nina shared some great resources in this episode. All the links are below:Chip: www.getchip.ukPension Bee: www.pensionbee.comMonzo: www.monzo.comStarling: www.starlingbank.com Wealthify: www.wealthify.comNutmeg: www.nutmeg.comWealthSimple: www.wealthsimple.comMoneyBox: www.moneyboxapp.comMoneyFarm: www.moneyfarm.comPatricia Bright's budgeting tips: https://www.youtube.com/watch?v=CC5dXZYTO1A ElleVest in the US: https://www.ellevest.com/Instagram-hyped fintech Lanistar not authorised, warns FCA: https://www.ft.com/content/31597fd6-4794-4634-8991-bd373b7d8a18 Investment protection by the FSCS: https://www.fscs.org.uk/what-we-cover/investments/ *Remember: the value of investments can go down as well as up so you may get back less than you invest. Always do your own research - and note that what we discussed in the podcast is not a personal recommendation for any particular investment.*You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.* See acast.com/privacy for privacy and opt-out information.

This is the final episode in a three-part series on pensions de-risking. In this episode Maria Rodia, Amanda Chamming's and Elaine He are joined by Uzma Nazir from the Pension Insurance Corporation to discuss Bulk Annuities. In particular, the group looks at:   Market updates; Residual risks; PPF v FSCS cover; and Fixed protection.  To find out more about our Pensions team or this podcast, head to cms.law.        

The Financial Conduct Authority hit the headlines last week when it published its latest Call for Input, asking the advice industry to respond to a range of issues affecting the sector.From the funding structure of the FSCS to whether direct to consumer platforms should take more responsibility for the products their clients end up with, the FCA made it clear it thought the investment market was not working as well as it should for end consumers.So what does this mean for advisers, and what could be the end result of the regulator’s investments probe?In this episode, reporter Imogen Tew is joined by Mike Barrett, consultant at the Lang Cat, and Alistair Fullerton, director at Lathe and Co, to discuss the possibilities.After the break, Imogen is joined by Financial Adviser editor Simoney Kyriakou and fellow reporter Rachel Mortimer to discuss the biggest news stories of the week.The FTAdviser Podcast is the weekly podcast for financial advisers brought to you by FTAdviser.com. See acast.com/privacy for privacy and opt-out information.

On this week's episode of the financial planner life podcast, I'm joined by Robert Lewis who shares his financial services career journey, from starting with HBOS in the scanning department to eventually running his own directly authorised IFA practice Celtic Financial Planning. We talk about the pressure of running a directly authorised IFA firm and why if you are thinking setting up your own practice to earn more money quickly, this might not be the best option!Its clear Robert cares deeply about his clients and being independent, this spills over into the company's corporate social responsibilities. Robert shares an honest account of what it likes setting up and growing a directly authorised IFA. We cover: 

The FSCS levy — and the burden it places on advisers — is a controversial topic, with the latest levy hike landing landing a total bill of £635m on advisers and providers for 2020-21. This week Imogen Tew, investment reporter at FTAdviser, looks into the problems and potential solutions with Ian Cornwall, director of regulation at adviser trade body Pimfa, and Tim Harvey, director at HR Independent. The FTAdviser Podcast is the weekly podcast for financial advisers brought to you by FTAdviser.com. See acast.com/privacy for privacy and opt-out information.

On this episode of Making the Money Work podcast, comedian Shappi Khorsandi joins Andi Peters and Simon Lambert to discuss how she built a career in comedy, her unusual life as the daughter of an exiled Iranian poet - and how she once hired Alan Carr to work in a charity call centre. This is the final episode of five in the Making the Money Work series, in partnership with FSCS, that has appeared in the This is Money podcast feed every fortnight since the start of the year. We hope you have enjoyed them. Your usual This is Money podcast will continue to be published every Friday How do you make comedy pay the bills? That’s not a problem for the handful of star names with giant arena tours, but what about the majority of comedians who’ve dedicated a life’s work to standing up and making people laugh without raking in millions? Shappi tells of her route to becoming a comedian and how she realised a job in an office wasn’t for her early on, swapping that for being a cleaner and nude life model for art students - because she could do those jobs while daydreaming.  Later on, she says having stripped off to sit for artists meant she was less worried about getting up on stage and doing stand-up in front of a crowd. The comedian, who has appeared on popular TV shows including Have I Got News for You, QI, Live at the Apollo and Mock the Week, is a single mother-of-two who supports her and her two children alone and has struggled to make ends meet. Shappi says she spent many years being ‘skint’ but that when her career took off, she was so taken aback at suddenly having money that she had to learn she had earned it and was worth it, and not to be overly generous in giving it away. She says she loves her work so much that she cannot imagine ever doing anything else, but now plans her comedy and writing so that the money she earns enables her to spend the time she wants to with her children. And as for the money she earned for doing I’m A Celebrity Get Me Out of Here?  That, says Shappi, bought her entire year of bedtimes with her children.

News editor Ida Axling and commissioning editor Laurence Eastham look at the stories that caused a stir in the week commenting 19 August 2019. The week's top story covered the Financial Services Compensation Scheme's decision to compensate around 14,000 policyholders at bankrupt Danish company Alpha Insurance, following the collapse of a proposed deal with BCR Legal Group earlier in the month. The top stories were: 1) FSCS set to compensate Alpha Insurance latent defect insurance policyholders 2) Ardonagh confirms the end of all Swinton retail branches 3) Ardonagh losses rise to £44.5m in H1 2019 4) Zurich cuts scheme contract with Fleet UK 5) Brightside hires new MD of broking as Russell Bence exits

Phil Young joins Ollie Smith to discuss advice fees in the precarious age of FSCS levies, FCA action and DB danger.

A Small Self-Administered Scheme (SSAS) is a pension Trust set up by a limited company or a partnership.  A SSAS is primarily set up by private and family run limited companies for the benefit of the owner directors and senior employees. The members are also Trustees and so have control and flexibility over the Scheme assets and investment choices in a tax efficient environment. The key features of a SSAS are: It is an occupational pension scheme The members are usually directors or employees of the sponsoring employer There is a limit of 11 members It is a highly tax efficient environment You have control of the investment decisions A SSAS is an occupational pension scheme established in the Finance Act 1973 and is usually, but not always, set up by the directors of a business. The directors may want greater control over the investment decisions for their pensions, especially the use of their pension plans, to invest back into their business or indeed other businesses, should they wish. A SSAS is registered with HMRC and so benefits from wide ranging and generous tax reliefs available to pension schemes. These may include, but not limited to: No Income Tax on allowable investments No Capital Gains Tax due on disposal of investments Company and personal contributions are deductible against tax Tax-free lump sum on death before retirement Tax-free lump sum from age 55 on retirement A SSAS is not an FCA regulated product and so the ‘wrapper’ or vehicle is not covered by the Financial Services Compensation Scheme (FSCS). However, the FSCS does cover any regulated investments held by the SSAS. Each member of the SSAS is a Trustee which is a requirement to comply with the Pensions Act 1995. A SSAS is a truly eye-opening concept that will leave you wondering why you didn’t know about it long ago, irrespective of what age you are!  And that can be a fear for many – they don’t know what they don’t know.  Being a Trustee of your own SSAS is similar in many respects to running your own business. In fact, it calls on exactly the same business acumen and tenacity and should not be something that should be feared. For sure, there are rules to learn and be followed, the same as in any walk of life.  However, once you have mastered the basics relatively quickly you will start to see the immediate benefits and experienced the feeling of freedom and control which will, I assure you, become intoxicating! The responsibility should not be taken lightly in setting up any business and a SSAS is no different in that respect. Embrace the knowledge and drive your own path towards an incredibly fulfilling future with the empowerment of a SSAS pension.

In today's episode of the podcast I am joined by Michelle Pearce-Burke who is the co-founder of the online investment management company Wealthify. Michelle began her career as a traditional stockbroker, but was unhappy with some of the barriers to helping people get into investing. She decided that she wanted to be part of the solution to this, and so co-founded Wealthify which makes investing simple, affordable, and accessible.  In this episode we will bust some common myths; I don't have enough money to invest Investing is just for the wealthy It's simply too risky I can't invest because I need access to that money You have to be an expert to invest in the stock market Investing is the same as gambling Resources: The Money Panel Wealthify offer Book in a complimentary call to discuss how financial coaching can help you move from financial overwhelm to confidence and control.  Join Catherine's Facebook Page and FREE Facebook Group My Website  My Online Courses - From Spender to Saver, Investing for beginners from £1 My YouTube Channel  Connect with me on Twitter, Instagram and Facebook  Find Wealthify on their Website  Download Wealthify on iTunes and the Google Play Store Apps Bud Yolt Stats on women investing referred to in the episode  FSCS compensation scheme

Insurance Age's news editor Ida Axling and editor Siân Barton address the latest FCA warning to GI firms and learn more about Jelf’s newly appointed CEO. Insurance Age's top five stories for the week starting Monday 8 April 2019: 1) Incoming Jelf CEO will have to “work hard to gain trust” 2) Aston lark buys Jobson James Insurance Brokers 3) FCA warns firms to take action on GI distribution failings 4) Ardonagh losses shrink at first full year results 5) Brokers and FSCS step in for Qudos customers following unrated insurer’s collapse

Money Box reporter Dan Whitworth analyses the main findings from the administrators' report into London Capital & Finance. The high-risk mini-bond provider collapsed in January but not before it had taken £236m from 11,650 people. Many of them were first-time investors who thought their money was going into fixed rate ISAs. The cash they put in came from pensions, inheritances and life savings. From April the Financial Services Compensation Scheme (FSCS) limit for regulated investments rises to £85,000 from the current £50,000. Guest Mark Neale, Chief Executive of the FSCS. As this year’s Council Tax bills arrive, are you eligible to reduce yours with a discount, exemption or help from a Council Tax Reduction scheme? Guest: Caroline Siarkiewicz,, Director and debt advice expert at the Single Financial Guidance Body. NHS consultant James Bailey explains how the annual allowance taper affects his finances and working life. The taper was introduced in 2016 and affects people with income over £150,000 including pension savings. For every £2 of income over £150,000, the annual allowance reduces by £1, to a minimum of £10,000 a year. If an individual’s income is less that £110,000 a year, excluding all pension savings, then the annual allowance taper doesn't apply. Guests: Josephine Cumbo Pensions Correspondent for the Financial Times and John Ralfe, an Independent Pensions Consultant. Reporter: Dan Whitworth Presenter: Paul Lewis Producer: Charmaine Cozier

FTAdviser Podcast is the weekly podcast brought to you by FTAdviser. This week, Mark Neale, chief executive of the FSCS, joins us to discuss the week in news, including what the strategy is for the organisation as he prepares to step down later this year. Mr Neale also explains why the FSCS has changed the way it calculates the compensation paid to British Steel pension scheme workers and how the financial advice industry could attract new talent. See acast.com/privacy for privacy and opt-out information.

Insurance Age's editor Siân Barton and news editor Ida Axling share their views on the most clicked on stories by brokers in the latest episode of our regular podcast.  Top five stories in the week commencing 13 August 2018: 1) Alpha collapse: FSCS transfers 177,000 GAP policies 2) Broker Network buys North West broker 3) Direct Line names new NIG MD 4) Bain Capital to buy Esure for £1.2bn 5) CII questions future of Chartered proposition

There's been some upset really because investors' money, usually ring-fenced from the capital of an investment manager, has been used to pay for the wind-up costs of a failed company. Does this mean that your money is at risk after all? What about the FSCS? In this short video, I explain all...

This is Money has had a string of questions from readers looking to give their cash to children or grandchildren but who also wish to protect it from being squandered or lost in a relationship break-up. Whether the money is for a house deposit or to avoid inheritance tax, or for any other reason, it’s a major modern concern - especially as the sums involved can be tens or hundreds of thousands of pounds. On this week’s This is Money podcast, Simon Lambert, Rachel Rickard Straus and Georgie Frost discuss why people are worried and what they can do – if anything. Can you really control money once it has been given away? Could partners – or even theoretical future partners – get their hands on it? And why give it away in the first place if you’re going to worry about how it’s used? Also, on the agenda is the 10-year anniversary of the run on Northern Rock – when customers feared for the bank’s future and queued up outside branches to withdraw all their cash. It was the birth of the financial crisis in the UK followed by the credit crunch. How did the decade that followed change our financial lives and who have been the winners and losers? With interest rates held again we look at whether they could still rise this year – as Simon has bravely predicted – and why you shouldn’t be suckered in by a stunning looking 7.75% fixed-rate bond claiming official FSCS protection that you found on Google. If it looks too good to be true it surely is – right? That’s the rule. But if someone told you that you could buy into something that’s up 70% in two years at a discount - and it still looks reasonably cheap - you’d walk away wouldn’t you? But that’s the deal with emerging markets investment trusts. Why? And finally, we see whether Simon, Georgie, or Rachel could pass a driving theory test today using the quiz we put to our readers. It sets off more discussions about towing a trailer than you’d ever expect on a money podcast. Enjoy.

How much are you paying for financial advice and investment products. In this episode of the podcast, I'm joined by Nick Bamford to chat about fees, charges and the cost of financial advice. The Sunday Times recently published an article which was critical of the charges levied by tied adviser St James Place, with particular criticism of their exit charges of up to 6% on some financial products.  We also hear a lot about the cost of fund management charges, particularly with reference to lower cost index tracker funds. And there's a lot of debate about what financial advisers charge, whether investors should pay a percentage of their money to invest, or a flat fee. Nick and I spend some time in this episode talking about the fees investors typically pay, some of the different remuneration structures offered by financial advisers, understanding value for money when it comes to fees, and the importance of fee transparency. Personal finance news update Our newsreader this week is Informed Choice paraplanner Kelvin Riches. -The Bank of England has kept interest rates on hold at 0.25% whilst increasing its forecast for growth in the UK economy.  -Annual house price inflation weakened in January, falling to its lowest level since November 2015. -Brits lack a plan for passing on wealth to future generations, according to a new survey.  -Widespread confusion over financial terms means millions of people may be taking out important policies or products without completely understanding what cover the product offers. -Savings protection available from the Financial Services Compensation Scheme, the FSCS, has risen by £10,000 this week. Listener question David Horton from Brisbane in Australia writes in with the following question that we answer in this episode: The rule on 'don't borrow to invest"; does that apply to borrowing to buy a "buy to let" property? Saving to buy outright would be impossible or very slow, and I think would run you up against rule 10, don't pay too much tax. Though I guess such savings pay so little interest the tax would be minimal. Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message. Aftershow links -Deep Work by Cal Newport -Martin's book review on Medium -10% Happier by Dan Harris -Being Mortal by Atwul Gawande -Unbiased Awards 2017 Help us spread the word! Thank you for listening to this episode of Informed Choice Radio. Please use the comments section below to share any feedback you have. If you enjoyed this episode, please share it by using the social media buttons on this page. If you enjoy the show, please subscribe in iTunes and write us a review! Reviews really help us stand out from the crowd and reach more listeners.  

The Financial Conduct Authority (FCA) has started a consultation about its new mission. As a firm of Chartered Financial Planners providing independent financial advice, we are authorised and regulated by the Financial Conduct Authority. In the past week, we received our annual invoice from the FCA, which pays not only for the regulator but for some other related regulatory bodies too. In this episode of the podcast, Martin provide a breakdown of this invoice, explaining where the money goes and what it covers. He explains the cost of the FCA, FSCS, FOS, Money Adviser Service and Pension wise, as well as other regulatory costs including professional indemnity insurance and capital adequacy. What do you think about the cost of financial services regulation? Do we pay too much, too little? Do you get good value for money? We would love to hear from you. Personal finance news update -The UK economy has grown by a better than expected 0.5% between July and September, in the wake of the EU referendum result. -More retirees are taking advantage of the pension freedoms and cashing in their pension pots, but the average withdrawal amounts has fallen. -The deadline for submitting a paper tax return is looming, with HMRC warning of fines for late returns. -The lowest earners have experienced the fastest pay rises, thanks to the introduction of higher minimum wages. -Homebuyers looking to live in one of England’s picturesque market towns will need to pay a premium of £34,000 compared to neighbouring areas.   Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message. Help us spread the word! Thank you for listening to this episode of Informed Choice Radio. Please use the comments section below to share any feedback you have. If you enjoyed this episode, please share it by using the social media buttons on this page. If you enjoy the show, please subscribe in iTunes and write us a review! Reviews really help us stand out from the crowd and reach more listeners.  

Damien Fahy of www.moneytothemasses.com talks to Andy Leeks about money. This week, Damien talks about the Financial Services Compensation Scheme (FSCS) and how much of your money is safe should your bank go under. Damien also explains what the scrabble index is and the surprising results that it yields. Damien also alerts listeners to the latest scam that involves bogus couriers arriving at your doorstep. 80 20 Investor - Click here to find out more about Damien's 80 20 Investor service.

A summary of recent Help Me To Save articles including why medical centres of excellence need excellent public transport links, are free solar panels a good deal, £120 switching incentive from HSBC and the reduction in the FSCS limit.

The euro crisis hits Cyprus - but at least UK savers have some protection. Experts ask if emerging market are a safe haven, and we ask the pension minister about state benefits and income drawdown See acast.com/privacy for privacy and opt-out information.

Banks forced to be more upfront about how savers and protected, why workplace default pension funds could leave you with less in retirement. And why expats coming back to the UK could find it hard to get a mortgage See acast.com/privacy for privacy and opt-out information.