Podcasts about gocompare

(0:00) Intro(1:26) About the podcast sponsor: The American College of Governance Counsel(2:13) Start of interview(2:45) Joe's origin story(4:07) His early career starting in London, with law firm Linklaters. (6:43) His move to Friendster in Silicon Valley.(8:00) His time at Videoegg.(9:24) His time at the International Trade Administration in the Obama Administration.(11:30) His return to private practice with Gannett and Facebook's emerging products.(13:10) His operating role at SOSV, a global venture capital firm (2019-present)(15:10) How he got started with his board service. First board experience: a UK public company called GoCompare.(16:50) Difference between a "good" and a "great" director. (18:34) Distinguishing the concept of overboarding between public and private VC-backed companies. Reference to VCBA (5/14/25)(21:06) Some differences between U.S. and U.K. governance practices.(24:57) On the increasing politicization of corporate governance, including ESG and DEI (plus boardroom diversity). "Let's bend it, not end it."(27:47) The origin story of the bio books that he compiles.(31:07) On the impact of AI in the boardroom. Boards need to 1) move faster on AI, and 2) focus on the transformation, not only the tech.(35:50) On navigating in VUCA times (Volatility, Uncertainty, Complexity, and Ambiguity). "Act proactively, not reactively"(38:18) Challenges for boards in next 5-10 years: 1) time management and 2) increasing focus on director skill sets.(35:50) On navigating the regulatory landscape in VUCA times (Volatility, Uncertainty, Complexity, and Ambiguity).(41:27) On board evaluations.(46:00) Will governance regulations harmonize internationally? Example: climate change disclosures.(49:15) The UK's approach for boards to engage with employees: workers' council, board representation, or DNEDs.(46:00) Will governance regulations harmonize internationally? Example: climate change disclosures.(51:50) Books that have greatly influenced his life:How to Win Friends and Influence People by Dale Carnegie (1936)Range, by David Epstein (2019)(52:38) His mentors: Barry Williams (E153)(54:13) Quotes that he thinks of often or lives his life by. "Be kind, for everyone you meet is fighting a hard battle" and "I never lose, I either win or learn."(56:27) An unusual habit or an absurd thing that he loves. (57:10) The living person he most admires.Joe Hurd is a purpose-driven public company board director and strategic advisor who focuses on digital transformation, international expansion and stakeholder engagement. You can follow Evan on social media at:X: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__To support this podcast you can join as a subscriber of the Boardroom Governance Newsletter at https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

Everyone is taking about Wynne Evans and Katya Jones' Mrs Doubtfire-inspired cha cha on last weekend's Strictly Come Dancing. The Welsh opera singer, known for his role as Gio Compario in the GoCompare adverts, donned the wig, glasses and stockings to play the character during Movie Week for the BBC dance competition. Although Wynne is reluctant to call it a competition, due to his fondness for his fellow celebrities and dance professionals. Instead, he likes it to call it an "entertainment programme", as you will hear in their chat with the Mirror's Janine Yaqoob. Direct from their rehearsals, the dancing duo discuss getting into character for last week's performance, their plan for this Saturday's Tango to ABBA's 'Money, Money, Money', and why Wynne - who won Celebrity MasterChef in 2023 - hasn't found the time to cook for Katya yet, despite her former dance partners offering up their culinary treats.

Welcome to another engaging episode of the Everything EV podcast, hosted by Matt Allan and Richard Alvin. This week, we're switching things up with our first-ever listener Q&A session, tackling your burning questions about the evolving world of electric vehicles. Here's a sneak peek into the episode: Exclusive EV Insurance Insights: Discover surprising data from GoCompare revealing that, on average, EVs are now cheaper to insure than petrol cars. We dive into the details of which models are the most and least expensive to cover, with some unexpected results, including the Mitsubishi i-MiEV and the Porsche Taycan Turbo S. EV Model Spotlight: Matt shares his driving experience with the Renault Scenic E-Tech and discusses how this underrated SUV competes with heavyweights like the Ford Explorer and Volkswagen ID.4 in terms of range, space, and affordability. Charging Infrastructure Challenges and Solutions: With the UK's 2030 ban on new petrol and diesel cars looming, we address concerns about the current charging network. We discuss the state of public charging, planning tips for long journeys, and how the charging landscape is improving rapidly. Cost of Owning an EV vs. Petrol Cars: We explore the true cost of running an EV in today's energy market, comparing it to traditional petrol vehicles. Learn about specific models that offer the best value and how off-street charging can make a significant difference in your overall expenses. Global Incentives and UK Comparisons: Curious about financial incentives for EV ownership? We compare what's available in the UK to the more generous schemes in other European countries, and discuss innovative alternatives for UK buyers looking to save. Join us for this informative episode as we answer your questions and provide expert insights on all things EV. Don't forget to like, subscribe, and tune in every week for more electrifying discussions on the latest in electric vehicles and sustainable transport! Visit ⁠⁠⁠EV Powered⁠⁠⁠ online and follow us on ⁠⁠⁠Twitter⁠⁠⁠, ⁠⁠⁠Instagram⁠⁠⁠, ⁠⁠⁠YouTube⁠⁠⁠, & ⁠⁠⁠TikTok⁠⁠

Thierry is Bradford's second best marketer (after your not-so-humble host!), a data expert and a product inventor. In this episode we discuss: The joy of a non linear path Learning from our community Why Bradford is bouncing How fusing ideas, cultures and thoughts creates greatness Launching his first product What's the worst that could happen You are not your customer Launching a peanut butter Monetising bull semen (yes, you read that right) Using data to tell stories Why people are the most important part of data (not just a dashboard) How AI can impact data collection and usage Thierry Ngutegure Thierry is the Head of Data Insight at SALT.agency. Overseeing SALT's data and insight product offering, which combines our renowned SEO and content proposition with a data-driven strategy - helping clients become more visible and execute their growth strategy. The data team's wealth of experience, comprehensive understanding of data analytics, data-led PR and SEO best practices is invaluable in driving clients data-centric growth, including campaigns for the likes of Showpiece, Whiskey Investment Partners, GAME, Missguided, PrettyLittleThing, M&S, Monzo and GoCompare. Find Thierry on LinkedIn and Instagram Thierry's Products Beers can be found here, here and here. Mothernutter peanut butter Black Knights Tequila Book Recommendations Scary Smart by Mo Gawdat Andi Jarvis If you have any questions or want to talk about anything that was discussed in the show, the best place to get me is on LinkedIn or Instagram. If you want the podcast emailed to you sign up for it on the Eximo Marketing website. Make sure you subscribe to get the podcast pushed to you and if you enjoyed the show, please give it a 5* rating. Andi Jarvis, Eximo Marketing.

Coming from a council estate in Wales to creating a multi-billion pound industry and two of the most famous brands in the UK, Hayley Parsons OBE is a one-of-a-kind entrepreneur.In this rare interview, Hayley talks about how she created Confused.com while working at Admiral, and how being overlooked for the CEO role was "the best thing that ever happened" to her, as it spurred her on to create GoCompare.Hayley went on to build and sell GoCompare for £100m, creating one of the most memorable characters in all of advertising in the process - Gio Compario - remarking "I wanted to create the most annoying ad possible!"Since selling, Hayley became the first woman to serve on Cardiff Rugby's board when she was appointed a non-executive director.She wrote a passionate and much-publicised letter to the Welsh Rugby Union, in which she highlighted "a long-standing and deep-rooted culture of toxicity and bullying", and called for change and for the CEO to step down. She said, "I believe the board, in its current state, does not possess the expertise and experience to run the WRU, which is essentially a £100m company."In this wide-ranging conversation, we talk about a drunken visit to 10 Downing Street, obsession, curiosity and more.About The Starting Line PodcastFrom a turbulent childhood marred by domestic violence, addiction and crime to being named the #1 most influential PR person, my journey has been anything but conventional.At 17, I dropped out of school. At 18, I became a father for the first time, and left the chaos of my family council house, determined to rewrite my story and break the cycle so many understandably struggle to.By 30, I was a successful agency owner with a #1 best-selling book. We were working with some of the UK's leading brands, entrepreneurs and celebrities, building, shaping and protecting reputations, using my influence to raise more than a million pounds for sick children.Hosted by me, Rich Leigh, The Starting Line Podcast is your weekly dose of inspiration, featuring powerful interviews with entrepreneurs, entertainers, athletes, philanthropists and more. Together, we explore the themes of curiosity, resilience, ambition, and the relentless pursuit of success, proving that your starting line doesn't define your potential.Join me every Monday as we discuss life's challenges with positivity, perseverance and a touch of silliness.Subscribe now on Apple, Spotify, or wherever you get your podcasts. Learn more at startinglinepod.com and follow us @startinglineshow on social platforms. Email hello@startinglinepod.com - with guest suggestions or just to say hello.Follow The Starting Line on:InstagramTwitterTikTokFacebook Hosted on Acast. See acast.com/privacy for more information.

Welcome to this brand-new investing podcast from the London South East. My name is Peter Higgins, you can find me on Twitter @conkers3 and I will be your host for this series of Investing Matters podcasts. What can you expect from the Investing Matters podcasts? A great question. You will find long form interviews with noteworthy veterans and experts from the investment and fund management industry. During these interviews, each interviewee will share and impart their knowledge, learning and insights on what aspects of Investing truly matters to them and what in their view should matter to investors. We hope this knowledge exchange benefits all and enables all those accessing and listening to these podcasts to achieve even greater investing success. With that in mind, welcome to episode forty-seven with Alex DeGroote, a highly rated sell-side Media, Internet and Tech (TMT) investment analyst with 27 years of Investment experience. A History graduate from Durham University, Alex went onto to attain his master's degree in European Management Studies from the London School of Economics. Alex commenced working in the Investment industry in 1996. He has worked for a number of European banks and stockbrokers. In Equities, Fund management and corporate broking/finance, learning the tricky arts and science of valuation. During his career Alex worked for the following companies: Starting as a graduate with the Midlands based Albert E Sharp, a Securities and Wealth Management firm; Charterhouse Bank, where he worked alongside an equally then young Phil Oakley. He also worked at ING; Credit Agricole; Panmure Gordon; Peel Hunt; Cenkos Securities; Arden Partners. He has published extensive research and valuations on various sector topics, on behalf of City employers. Alex is also a published author himself, and has been a contributor to the Financial Times, The Guardian, MediaTel, Campaign, Digiday, Flashes and Flames. Given his experienced roles that involved working with the likes of Rightmove, Reach, GoCompare, WPP, STV and numerous other companies. Alex's view on TMT matters is sought by Bloomberg, CNBC, BBC, and others. He is a keynote speaker in the investment industry conferences, in the UK and overseas. In this fascinating Investing Matters interview, Alex shares his world view of investing globally across equities, investment companies, Funds, ETFs. He explains how to go about valuing a company, sustainability of operating margin, why management is key, nuances of Corporate Broking and Finances, debt. Companies discussed include Rightmove, WPP, Cab Payments, Microsoft, Google/Alphabet, Nvidia. Seeking multiple recurring revenues, scalability, the importance of analysing balance sheet, why UK markets are lowly valued, Mifid2, why liquidity is a big issue, Alex also shares his own personal investing strategy, passion for tech, global markets, why he avoids home bias, why he is overweight US assets, the importance financial education and digital skills, the power of compounding investments and much more. We hope you enjoy this podcast, and we look forward to hearing your feedback. Please subscribe to this podcast on your platform of choice and follow the @InvMattPodcast on Twitter.

20Angel is a series profiling European angel investors with the best Founder NPS. Episode 1 features Henry de Zoete, Founder of YC backed Look After My Bills, which became the largest auto-switching service in the UK, saving families money on their gas and electricity. It was acquired by GoCo Group PLC (owners of GoCompare) in July 2019. Look After My Bills also secured the best ever deal on Dragons Den. Henry has invested in over 100 startups, including ZBiotics, Zen Educate, Devyce, Organise, Terra & CourtCorrect. He is based in the UK and has a ton opinions for founders and angel investors given he is one of the most active angels in Europe. The format for 20Angel is consistent across show, with questions including: What are some of the non-obvious things they look for when investing in a company? How they work with their Founders? How Founders should approach them? What they think makes a great angel investor? Learnings from their Anti-Portfolio? The show is also sponsored by Edda.co, a design-led software that allows you to see, in real time, the true dimension of your investments, and the value and impact they create. Edda Dealflow and Edda Portfolio streamlines the operations of funds, from managing due diligence and deal flow through to supporting portfolio companies. It brings the entire investment process together in one place, supercharging communications with portfolio companies, making investments much easier. To find out more, visit edda.co and request a demo using "Edda20VC".

Zillah Byng-Thorne is chief executive of Future plc. Founded in 1985, the leading publisher produces some of the UK's most popular magazines, including Country Life, FourFourTwo, Marie Claire and The Week. Joining Future in 2014, Zillah has presided over a spectacular turnaround in the company's fortunes - publishing 160 titles, and expanding the brand's portfolio to include video games and digital magazines; and in 2020, they ventured into e-commerce, purchasing insurance company GoCompare.com for £590m. Under Zillah's watch, their share price has soared, and the company is now valued at £4bn. In this in-depth interview, she shares her career journey - starting out as an accountant in working-class Glasgow before a dramatic pivot saw her set her sights on leading a large company, starting with a masters in behavioural change to build her leadership skills; shares the secrets behind Future's strategy, resulting in 80% growth and £600m+ revenue despite the pandemic; and passionately argues that Future “has a moral responsibility, as much as a business responsibility, to maintain the quality and accuracy of its content.”

Meet Thierry Ngutegure, he is the Head of Insight at performance marketing agency Journey Further. Thierry oversees the insight offering in the business which combines #data with creative and performance. He has over 6 years experience working for a number of agency groups, and has experience working on campaigns for GAME, Missguided, PrettyLittleThing.com and GoCompare .Thierry shared his experience as a #dataLeader with us.

Faisal Galaria is the CEO at Blippar, a company creating the tools to enable everyone to create compelling AR experiences. During the course of his career, Faisal has gained over 25 years of experience leading and growing teams in some of the world's most disruptive consumer technology companies including Spotify, Kayak, Skype and now Blippar.Just prior to Blippar, he was the Chief Strategy and Investments Officer at Gocompare, which he helped digitally transform and IPO on the London Stock Exchange in 2016. Previously, Faisal was one of the youngest ever Senior Partners of Alvarez & Marsal, the world's largest turnaround and restructuring company where he founded and led the European Digital Media practice. Faisal was previously a Senior Vice President at Spotify, where he launched Spotify in seven countries, including its biggest market the USA. He was also an early member of the Skype team, initially as Head of Global Business Development and became the European Director after Skype's acquisition by eBay in 2005.Faisal took over at Blippar about 2 and half years ago, after the company went from being an early AR pioneer and tech darling in the UK, to a company fighting its way through insolvency. Under Faisal's leadership, the company is releasing new products and has regained its stature as a key enabler of a broad range of AR experiences.In this conversation, we talk through the challenges of managing the downs and ups of tech startups and the recent product releases by the company. We discuss some of the challenges in working through a turnaround and how they're similar to a fresh new startup. We also talk about the intrinsic and extrinsic factors that are common to the successful companies of which he's been a part.You can find all of the show notes at thearshow.com

#blippar #augmentedreality #webar #nocode #metaverse Blippar's vision is to make augmented reality content creation accessible for everyone, they have a no-code platform Blippbuilder, WebAR SDK to build content on your browser/PC/Mac & Blippar Studio where their expert team helps bring to life large scale augmented reality experiences. Faisal Galaria is a CEO with over 25 years of experience in leading and growing teams in some of the world's most disruptive consumer technology companies including Spotify, Kayak, and Skype. He is currently leading the turnaround of Blippar, the pioneer of augmented reality technology and one of the UK's first tech unicorns. Prior to that, he was the Deputy CEO of Gocompare, where he led growth & digital transformation and the IPO on the London Stock Exchange in November 2016. Previously Faisal was a Senior Partner of Alvarez & Marsal, the world's largest turnaround and restructuring company, serving private equity and corporate clients including Habib Bank, KKR, CVC, BC Partners, Travelocity, HMV, and OLX. Faisal joined Alvarez & Marsal from Spotify where he was a Senior Vice President and launched the service in 7 countries including the USA. He was also the International Managing Director of Kayak.com prior to its IPO and was an early member of the Skype team and was promoted to European Director post the acquisition by eBay. Faisal has also been an Entrepreneur-in-Residence at Octopus Ventures and started his career as a TMT consultant at Arthur Andersen. He graduated from UMIST (University of Manchester Institute of Science and Technology) with a Bachelor's degree in Management Sciences. He also holds an MBA from IESE in Spain. https://uk.linkedin.com/in/fgalaria https://twitter.com/fais_4 https://www.blippar.com Kindly Subscribe/Share Our Audio Podcast Channels Apple: https://podcasts.apple.com/us/podcast/xr-om/id1479853773Spotify: https://open.spotify.com/show/2ZnjHyLLNE2jX6rOoRj5QoGoogle: https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy9jMjg3YWVjL3BvZGNhc3QvcnNz Anchor: https://anchor.fm/s/c287aec/podcast/rss

Wynne Evans (born 27 January 1972) is a Welsh singer and actor, known for his role as Go Compare man in the Gocompare.com insurance adverts on television in the United Kingdom.Evans also sang the role of Ubaldo Piangi in the 25th anniversary production of Andrew Lloyd Webber's The Phantom of the Opera at the Royal Albert Hall, sang "Glory Glory Tottenham Hotspur" at the last game at White Hart Lane.[3] He reprised the song at the opening of the new Ketihad Stadium at the inaugural Premier League match against Curzon AshtonBorn in Carmarthen, Wales, Evans studied at the Guildhall School of Music and Drama and the National Opera StudioIn 2010, Evans signed a six-album deal with Warner Music; his first album is called A Song in My Heart and was released on 21 March 2011. The album went straight to number one in the UK Classical Charts in the following weekSince 2009 Evans has starred in an advertising campaign for UK insurance comparison website Gocompare.com, playing the flamboyant, operatic tenor Gio Compario.n 2011, Evans began presenting. He presented a programme about the Eisteddfod for the BBC and his own TV show on S4C. In 2012 Evans became a regular presenter on BBC Radio Wales and from October 2013 Evans presented a weekly Friday afternoon show called Wynne Evans' Big Welsh Weekend. Since February 2016, he has presented an entertainment show on the station from 11 am to 1 pm every weekday.Who is Wynne Evans married to Tanwen EvansIG - @wynneevans https://www.instagram.com/wynneevans/Twitter - @wynneevans - https://twitter.com/wynneevansBethiaTwitter @Bethiamusic - https://twitter.com/bethiamusic/IG - https://www.instagram.com/bethiamusic/Officialbethia - Facebook - https://www.facebook.com/officialbethia/Spotifyhttps://open.spotify.com/artist/6AUQWic2E5IdlRPbEg0mYD?si=Q4YfM3HWQ3SxO5Rfe-IasQFilm BagE4 - Palm Springs@tomdrewyouapicture - https://www.instagram.com/tomdrewyouapicture/@Revanjoicey - https://www.instagram.com/revanjoicey/Fat ChickenIG @Hellofatchicken - https://www.instagram.com/hellofatchicken/Twitter - https://twitter.com/hELLOfATcHICKENDanyl Johnson IG danyljohnsonofficial - https://www.instagram.com/danyljohnsonofficial/Twitter @DanylAJohnson - https://twitter.com/DanylAJohnsonYouTube - https://www.youtube.com/channel/UC-0pcE-0mRtOaECYcfUzjTQ/If you would like to have you music on the podcast Dm on IG https://www.instagram.com/danyljohnsonofficial/ See acast.com/privacy for privacy and opt-out information.

A few weeks ago, Hearst UK announced that women's lifestyle magazine Prima would increase its print edition from 12 to 13 issues a year, following a 68% surge in subscriptions this year. This week, we talk to Prima's Editor Jo Checkley about what factors led to the decision to increase the frequency of the magazine, how their content has encouraged a community feel among their readers, and what lessons they'll be taking from producing magazines in lockdown. Jo also outlines what she's done to keep her magazines thriving during her career despite tough market conditions for women's titles. In the news roundup the team discusses Future Plc's resurgent fortunes and purchase of GoCompare, the UK government's attempts to create a competition regime to tackle the ‘fundamental imbalance of power’ between platforms and publishers, and Spotify launching a Stories copy. Esther is a meerkat.

This week’s guest is Stuart Widdowson, fund manager of Odyssean Investment, who talks to Dan about how four stocks from his portfolio have attracted takeover bids in the past year. He also runs through the attractions of Clinigen, Volution and RWS/SDL. The podcast looks at the key points from the UK Chancellor’s Spending Review and what it means for the economy, jobs and the impact on savers and investors. Tom answers a listener’s question on weighing up which savings wrapper to use: Lifetime ISA or SIPP. And there is also the usual look at stock market movements over the past week, including a chat about Future’s bid for GoCompare, US markets hitting a new high and the reaction to the latest vaccine news.  Presented by Shares’ Editor Dan Coatsworth and AJ Bell’s Senior Analyst Tom Selby

In this episode I chat to Jenny, businesswoman, investor and former Dragon. We discuss tips for investment in the time of COVID-19, exit planning and whether your business should still be accepting cash. You can also visit smallbusiness.co.uk for more on raising capital and choosing the right payment system. Remember to like us on Facebook @SmallBusinessExperts and follow us on Twitter @smallbusinessuk, all lower case. Would you prefer to read Jenny Campbell's podcast interview instead? Hello and welcome to Small Business Snippets, the podcast from SmallBusiness.co.uk. I’m your host, Anna Jordan. Today we have Jenny Campbell, businesswoman, speaker, investor and former Dragon. Rather than going down the traditional education route, Jenny left school at 16 to become a cash counter and cashpoint filler. She worked her way up in the banking world and by the age of 23 she earned her banking qualifications and a Chartered Institute of Bankers prize. Her first taste of running a business was when she bought RBS-owned cash machine firm, Hanco, which she rebranded as YourCash Europe. At the time, Hanco had expanded too quickly and was making a loss. The company underwent a major operational restructure overseen by Jenny. In 2016 she sold the business for £50m. During her time on Dragon’s Den, Jenny invested in companies including Didsbury Gin, Look After My Bills, Driven Media and Carun UK. These days, she is the vice chair of the Prince’s Trust Enterprise Fellowship Programme and supports the Young Enterprise and the New Entrepreneurs Foundation. She’s also a dog breeder and an accredited breed judge. Anna: Hi Jenny. Jenny: Hi. Anna: How are you doing? Jenny: I’m really good, thank you. Really good. Anna: Great. OK, let’s get cracking. One of your mantras is to live by corporate standards but breathe like an entrepreneur. Tell us a bit more about what you mean by that. Jenny: Yeah, that really came out of the time when I was taking over the cash machine business then owned by RBS. I found the business to have got enormous growing pains [from] when it was incorporated in 2000 and sold to RBS in 2004. It had grown enormously fast and it did have an impressive customer and asset base, but it had grown up on very simple – if any – policies, procedures, people, codes of conduct, etc. So, the business I came to in 2006 was in quite a lot of chaos, to be honest. But I found that all the skills I’d learned over my banking career, which you don’t really appreciate at the time, but I could apply them to this business, particularly around change management, turnaround scenarios, risk management, process mapping – all those corporate things. I could apply them to this business and that’s what got me through the first two years in getting it ship shape. It was losing a lot of money at the time and by the time we got two or three years down the path it was breaking even and that lead into the management buyout. On reflection, when it came to selling the business, before that even became a management team buyout, I said to RBS, ‘Look, you’ve helped put the corporate procedures into this business but it now needs to have its entrepreneurial wings in order for it to be nimble and compete against its competitors in the UK.’ It’s important for a business of that size to have corporate standards, but it also needed to be nimble in terms of decision-making and innovation and product development, which we weren’t at that stage by still being part of a bank, due to how bureaucratic that can be in a big corporate.       How do you introduce ‘entrepreneurial wings’, so to speak? Jenny: Start with the people. One of my big transformations was the people – the quality of the people, the culture of the people. I turned over a lot of people in the early days, those who didn’t have the right skills or attitude to drive the business forward. I created a real people culture in the business: work hard, play hard, lots of rewards for delivering performance, lots of fun as well. And the ability for the staff to feel they had their own initiative to drive the business forward [was important]. You could always put your hand up to suggest this or get on with doing things and mistakes were made – you wouldn’t get berated for that – it was, ‘Get up, you’ve grazed your knees, let’s move on’. It was a real ‘can do, will do, want to’ attitude in the business and we lived it and breathed it from the top, right the way down.      On your time in Dragon’s Den, perhaps it was clearer that you’d come from this corporate background and moved up in the banking world, as opposed to starting up a business from scratch like some of the other Dragons and the other businesses coming in. What do you feel your experience brought to the table over the other Dragons who had started their businesses from nothing? Jenny: I came to pure entrepreneurship myself later in life when I went to Hanco (which then became YourCash), so I was in my mid-40s by then. But as I reflected on how I turned from corporate career to entrepreneur, some of my reflections were, firstly, around my childhood where my grandparents were all entrepreneurs – builders, printers, etc. in my local town, so I came from quite an entrepreneurial background. Yes, I went into a profession, but that was seen in those generations as safer and more secure and you’ve got the pensions and all of that good stuff. But I also dealt with entrepreneurs almost every day in my banking career, just on the other side of the desk. One of my roles was as a business relationship manager and I had 200 clients out in the community. Everything from famers to builders to lorry driver to retailers. I was working alongside those entrepreneurs for all of my banking career, so I just felt like I’d stepped from one side of the desk to the other, to be honest – and it’s in my DNA. What did you find was the biggest difference of going from one world into the other?     Jenny: Freedom, scary, exciting. You realise that there’s a lot that rests on your shoulders. The first month after we’d bought the business out, instead of me receiving a salary cheque on the 18th, I had to think about paying a quarter of a million pounds’ worth of wages every month and you feel responsible for people’s homes and families and that sort of thing. But equally, all of the freedom that comes with that and the responsibility to keep that business going and grow it.     Coming back to Dragon’s Den. Look After My Bills, in your own words, ‘negotiated hard’. What advice would you have for business owners who are looking for funding but are that sort of position? What negotiation tips do you have and what would win you over? Jenny: I think what wins me and many investors over is that, besides investing in that business and that product, you are ultimately investing in that person or persons. With the people standing in front of you, I’ve got to get a rapport with them straight away – that I admire them, I believe them, I’m confident that they can deliver on their proposal. The boys, Will and Henry from Look After My Bills, did negotiate hard, but that showed me that they had the experience to do that. I admire that. One of my other entrepreneurs accepted my offer before I’d even finished making it, but he was much younger and much more inexperienced. Will and Henry did a great job of negotiating and Tej (Lalvani) and I got a very small slice of Look After My Bills, but it proved to be a great investment as they sold to GoCompare ten months later and we got a very nice return on a very small investment. Anna: I think it’s interesting that because of them not budging much on their offer, Peter said that it shows a certain level of naivety, so it must be quite different between investors.     Jenny: Yes, but there’s quite a bit of gameplay in the negotiations – you’ve all got to play your own part. There’s admiration behind that hard negotiation stance as well. As an entrepreneur you’ve got to have some emotional intelligence as to where that tipping point is with the investor. You can push them so far, but you’ve got to realise where you’ll lose that investor, where they just going to sign out and say, ‘I’m out’.     Let’s come back to raising finance. Of course, we’re going through a difficult time at the moment – this is the first of the remote recordings we’re doing because of COVID-19. What advice do you have about raising finance in particularly tough times such as these?   Jenny: Is it any different in these times to pre-COVID? If anything, there are more options because of Microbusiness Bounce Back Loans etc around, so my advice is probably the same: cover a lot of bases in looking for those options. First of all, think about the structure of what it is that you’re looking for – are your able to take any debt into the business? That’ll save you giving away equity. Equally, sometimes it’s a strategic thing to find an equity investor because you get smart investors in the business who will help to propel your business further than if you were trying to do it through the existing equity structure. It’s always a balance of what your business can take and what it needs and that strategic aspect. I’m working with one of my businesses now on doing our first fundraise. I’m just educating them on taking those steps really carefully, to find the right structure of equity and debt and, crucially, the right people to come into the business. I always say to them, ‘This is like a snooker game: it’s not just about getting the first red ball down, but it’s about getting the black ball down, which is your exit.’ Every step is fundraise is important – you must think about how that impacts the next step and your eventual exit. But I think all those usual funding routes are there and, if anything, there is pent up demand from private equity and VCs to get money invested right now. Has COVID-19 affected the way that you invest in or the companies that you’d be interested in investing in now? Jenny: I don’t think it’s affected the way that I invest. Apart from not meeting in person, we’ve all got very used to tiled Zoom screens or Teams or Google. We’ve all got used to those virtual meetings, so the way in which I invest has not changed. Maybe where I invest has changed. Some areas you might have thought of investing in pre-COVID, but in post-COVID they’re either not the right areas or there are certainly better areas which have capitalised on COVID. I always say that wherever there are challenges, there are opportunities, and it’s just watching which ones will rise out of this. My Didsbury Gin business pivoted into hand sanitiser and they’ve done a fantastic job. Did I think I’d ever be invested in hand sanitiser? No! But it was the right thing to do and they’ve done very well. Anna: It’s been very much extremes – either a company has done very well or struggled quite significantly. Jenny: But that’ll be the true test of the entrepreneur in dealing with that. My eldest son has three restaurants in London, and it has not been an easy time. However, he’s probably going to come out of this leaner, fitter, stronger and with a different strategic path, which will actually be a better one. You as an entrepreneur have personally got to have the resilience, the foresight and the vision to deal with that. And that’s what the key strength of an entrepreneur is. Anna: And going digital has helped a lot of businesses. Ones that didn’t have a website before are very quickly learning and moving online. Jenny: Yes – you’ve got to go where the consumer is going to go which is a huge shift to online as you say.    I’d like to ask a couple of questions about your views in business. I’ve read that your plan wasn’t to become a business owner, rather, you ‘take things when they arise’ and when your children were young, you’d ‘just think about the year ahead’, contrary to popular business advice of planning one, three, five years in advance. What’s your view on planning vs spontaneity in business? Jenny: I mean, I always say that when I was 16, 18, 25, I didn’t really see much further ahead than the next year. As you get older, you tend to plan your runway out a bit more. But it’s always a balance for a business owner of never losing sight of today and the detail you need to do of today while balancing that with a vision of the future. And that’s a tricky thing sometimes – you can be lost in the weeds on a day-to-day basis and never have that time to think about the future. But you can find different places to do that future thinking. I remember when I was very busy in YourCash with the turnaround work. Where my vision and strategy used to come from was when I was on the running machine at the gym in the evening or in the bath. I used to come back fuelled with what we need to do differently, so you just need to find those spaces to let your head clear and think about the future of the business. You must do that and not just be lost in the day-to-day. Now I think I plan much further ahead, hence it’s actually driven my exit of YourCash because I’d been at the business for ten years. And I had half an eye on where cash was going as well in the future which proved to be quite prophetic. And equally I wanted another ten years in business doing other things, so focusing on the end game is quite important.      My next question was going to be about your exit from YourCash. Talk us through your exit plan – when did it begin, how did it unfold, did it change? Jenny: When you reflect on these things, again, I think it happened on the day I did the management buyout in 2010. The reason for that was as soon as the business became independent from RBS, I straight away started getting courted by other independents to amalgamate with them, so I realised from day one of year one that there was an opportunity for a trade sale. But I knew it wasn’t going to be right then when I put all of my energy and passion into buying this business out and mortgaged my home and I was on a journey and I was going to sell at an optimum time. But knowing those courtiers were out there, I played that dance with them for five years and it eventually reeled one of them in there for an exit. So there, you can see I was planning, even in 2010, to exit, probably five to six years down the path, which is what I did. I think in any market, I’ve seen in the supermarkets, in industry, etc. I’d say all businesses compete on the ground. But at top level, CEOs all meet each other at conventions and industry gatherings, and all have quite a professional and grown up relationship. I always had those relationships with the bosses of the other businesses and there were always muted conversations, seeing if there were any areas of cooperation and synergies between us. There’s a lot of dancing around handbags before you come to the formal marriage. Anna: I suppose it’s like networking of any kind, isn’t it? You’ve got to build it up quite slowly. Jenny: And it’s important to do that. That’s a really good point – I had extensive networks across my industry, not just in the UK but across the globe. I would take plane trips across the globe to go to certain conventions to make sure I had face time with people, so I was out there and present and had a really good black book.     Finally, given your background with YourCash, what do you make of cash vs contactless, especially in this COVID-19 landscape? Is it still worth it for businesses to accept cash? Jenny: Before I sold the business, there was also a challenge externally around the future of cash. And I think cash is still here for another generation in this country. It’s very entrenched in this country as it is in other countries such as Ireland and Germany. Yet if you look at other countries like the Nordics, they’ve been almost cashless for a very long time so where do we sit in all of this? I still think there’s a place for cash in the UK for a while because I don’t think we have all of the systems to donate to charities, to pay for certain things for the elderly and the disadvantaged, so all of the systems aren’t there yet to digitally support moving to totally non-cash. I do think there is a place for it and, to that end, that it’s important for retailers and businesses to accept cash, because not everyone is able or ready to move to digital. The consumers have to be educated and cajoled but not forced, if you know what I mean. Yeah, of course it’s important in terms of budgeting or for people who may not be best able to manage their money. Do you think we’ll ever go completely cashless and if so, at what point? Jenny: [laughs] Crystal ball again… I think we will, it depends how you define cashless, if you mean totally cashless. Surely in the next 25 years we’d go cashless, I would’ve thought, providing all of the systems are there to cope with that. But if you look at the young people of today, they just don’t carry cash – at all. And I myself would have always had cash with me and never have I used Apple Pay so much as in the past three months, and I’m much more comfortable with it now. That has forced buying habits but equally, I doubt very much that older people have changed their buying habits and the disadvantaged need to work with cash as well. Anna: Well, I’ll wrap up there unless there’s anything you’d like to add. Jenny: No, thank you for letting me come on your podcast. I’m delighted to come on any time and have a chat and happy to do it any other time you wish. Anna: Thank you for coming on the podcast. You can find out more about Jenny at jennybcampbell.com. You can also visit smallbusiness.co.uk for more articles on raising capital and choosing payment systems. Remember to like us on Facebook @SmallBusinessExperts and follow us on Twitter @smallbusinessuk, all lower case. Until next time, thank you for listening.   

Rester à vie dans une grosse boite ou s'expatrier ? Viser la sécurité ou la liberté ? Rester salarié ou se mettre à son compte ? Pascal a occupé des postes de Direction pour Eurostar, Expedia, Hertz, Lastminute.com, HSBC, Gocompare, et maintenant Canon... n'en jetez plus. D'une nature plutôt introvertie, Pascal a su tirer partie des opportunités de carrière. Il nous dit pourquoi et comment. Voici les informations permettant de le suivre : - LinkedIn : https://www.linkedin.com/in/digital-transformation-sme/ Retrouvez mes offres sur leurs sites dédiées : - Conseil en e-commerce / SEO / Cocons sémantiques - https://www.hi-commerce.fr - Visibilité sur LinkedIn TM : https://www.linkedrise.com - Boost de positions SEO via du contenu frais : https://www.phenix-seo.com - SEO local avec le spin de contenu artisanal : https://www.spin-tiger.com

Installé depuis 20 ans en Angleterre, Pascal a occupé des postes importants pour Eurostar, Expedia, Hertz, Lastminute.com, HSBC, Gocompare, et maintenant Canon... n'en jetez plus. Dans cet épisode, Pascal nous explique comment il a pu aligner ses valeurs avec son activité professionnelle afin de trouver sa voie. Voici les informations permettant de le suivre : - LinkedIn : https://www.linkedin.com/in/digital-transformation-sme/ Retrouvez mes offres sur leurs sites dédiées : - Conseil en e-commerce / SEO / Cocons sémantiques - https://www.hi-commerce.fr - Visibilité sur LinkedIn TM : https://www.linkedrise.com - Boost de positions SEO via du contenu frais : https://www.phenix-seo.com - SEO local avec le spin de contenu artisanal : https://www.spin-tiger.com

Cluff speaks to Gio Campario (Wynne Evans) all things opera, go compare and business. They talk about how he got to the role, his opera career and all the amazing things Wynne has done. Wynne is an absolute legend Cluff and him make future business plans.

Installé depuis 20 ans en Angleterre, Pascal a occupé des postes importants pour Eurostar, Expedia, Hertz, Lastminute.com, HSBC, Gocompare, et maintenant Canon... n'en jetez plus. Pascal a utilisé toute son expérience pour mettre au point une méthode de veille concurrentielle basée sur les data. Je le cite : "Ce n'est pas parce qu'on vieillit que l'on s'arrête, c'est quand on s'arrête que l'on vieillit". Dans cet épisode, Pascal nous explique comment il exploite des données publiques pour prendre un avantage concurrentiel en avant-vente. Voici les informations permettant de le suivre : LinkedIn : https://www.linkedin.com/in/digital-transformation-sme/ Retrouvez mes offres sur leurs sites dédiées : - Conseil en e-commerce / SEO / Cocons sémantiques - https://www.hi-commerce.fr - Visibilité sur LinkedIn TM : https://www.linkedrise.com - Boost de positions SEO via du contenu frais : https://www.phenix-seo.com - SEO local avec le spin de contenu artisanal : https://www.spin-tiger.com

Tech Partnerships and the Future of Banking With annual revenue totaling over £1 billion, CYBG owns a slew of banks, including Clydesdale Bank, Yorkshire Bank, Virgin Money UK and the app-based bank B. Responsible for CYBG digital transformation, Samantha is well-versed on how best to innovate your customer offerings by building the right lifestyle ecosystem. Samantha Bedford, CYBG Kulchetan Sanga, GoCompare Moderator: Eleni Digalaki, Business Insider

One of the most expensive parts of being a grown up, if you have the privilege of being able to drive, is car insurance. But surprisingly, there's a few things you can do to ensure you are getting the best value for your money and get your premium lower each year. In this episode, I discuss how you can achieve this. 

We're discussing fluent devices today, joined by System1's Chief Innovation Officer, Orlando Wood, and our Head of Marketing, Tom Ewing. Orlando has some fascinating insights into some of the most recognisable ads that include fluent devices, such as Gio Compario of GoCompare, the Honey Monster and the Hoffmeister Bear.

Lots of short stories of how businesses such as Moonpig, GoCompare, Spareroom, Made.com, Zoopla and JustGiving started up.

Faisal Galaria has left some deep impressions on the digital sector, having held key roles as companies such as Skype, Kayak and Spotify before they became household brands.   For the last two years, he has been the Chief Strategy & Investment Office at GoCompare, overseeing their demerger and IPO as well as considerable investment and acquisition activity.   Faisal kindly took time out of his busy schedule to talk about what he's been up to at GoCompare, some of the reasoning behind their strategic activities, and what role Price Comparison will play in our future lives.

Sermon by Martin Saurma-Jeltsch preached on 13/05/2018

Sermon by Martin Saurma-Jeltsch preached on 13/05/2018

霍金先生，走好雷斯林    为你写一个故事根据BBC消息，英国著名物理学家史蒂芬·霍金家人的发言人称，霍金去世，享年76岁。霍金的子女露西，罗伯特和蒂姆在英国新闻社协会通讯社发表的声明中说：“我们深爱的父亲今天去世了。”声明称，霍金是一位伟大的科学家，一个非凡的人，他的工作和成就的影响将会持续多年。就在前几天，霍金还在社交媒体上和其他人互动，真的是很悲伤的消息。虽然霍金没拿过诺贝尔物理学奖，也并非杨振宁那样最顶尖的理论物理学家，但是他在物理学科普方面，做出了非常大的贡献。而且和其他物理学家不一样，霍金一点都不高冷，非常乐于在社交媒体上和物理爱好者们互动，我还记得去年的时候他开了微博，还发了一条广告：引得网友一片666.当时国内网友对这条广告的反应是“我靠，理论物理学家也这么亲民”，但国外的网友早就已经习惯了，因为霍金真的很会玩。不但会出演广告，电视剧，甚至会用他那粗糙，真正带有金属感的声音唱歌。一个大写的有趣的人。音乐Side 3, Pt. 7: Talkin' Hawkin'Pink Floyd - The Endless River比如Pink Floyd佛洛伊德2014年的专辑《无尽的河流》中，霍金和乐队一起合作了一曲《滔滔不绝的霍金》，当然你现在去这首本来很小众的歌曲下面，应该都是悼念霍金的评论了。歌中他念叨出了一段带有浓厚哲学意味的歌词：Speech has allowed the communication ofideas, enabling human beings to work together, to build the impossible.语言使得人们可以交流自己的想法，令人们能够一同工作，并以此创造奇迹Mankind's greatest achievements have come aboutby talking...人类最伟大的成就正是在”交流“中逐渐成形Our greatest hopes could become realityin the future. With the technology at our disposal, the possibilities areunbounded.即便是我们最狂妄的愿景也可能在未来实现,在我们现有的科技条件下，未来有着无限量的可能性All we need to do is make sure we keeptalking.而我们所需要去做的，就是确保我们能够一直以语言交流这也并不是霍金第一次唱歌。在他的物理事业之外，霍金曾经参与过超过15个音乐团队的表演和专辑制作。比如radiohead，比如百老汇歌剧里都能看到他的身影。而且这时，72岁的霍金早已丧失说话能力。只能借助贴在脸上的传感器感应脸颊肌肉运动打字，再用电脑声音合成器发出一种金属般的电子音——这反而给音乐带来了后现代的迷幻感。影视剧霍金还在超过14部影视剧中出演过他本人。比如，我们都熟悉的生活大爆炸，他就扮演过自己，指出sheldon谢尔登论文里的证明错误，而后者为了见他甘愿换上女仆装。他在《星际迷航：下一代》中扮演自己，和牛顿，爱因斯坦一起在宇宙飞船中打桥牌。而在著名动画片《辛普森一家》中，霍金常常坐着会飞的轮椅解救受困的主角，教男主角很多人生的经验。甚至这也不是霍金第一次做广告。2013年，霍金就在英国Gocompare比价网的广告中客串过一个发明黑洞的教授。当有学生问他，将会把这个黑洞用来做啥时，霍金想着应该用黑洞把满大街鼓吹Gocompare好的烦人推销员吸到黑洞里。想到这，霍金脸上洋溢起了金属感的微笑。我即使被关在果壳中，仍自以为是无限空间之王最后说两句。自21岁瘫痪以后，霍金被认为将在两年内死于呼吸肌丧失功能。但50多年后，他依然在用眼球和面部神经的抖动来跟世界插科打诨。他从大西洋上的万米高空俯冲，体验25秒的失重感觉；逛夜总会，和脱衣舞娘合影；与英国查尔斯王子会晤，旋转轮椅翩翩起舞，直到轧到王子的脚趾头。他还想轧撒切尔夫人的脚趾头，但一直没有机会。这些“不严肃”并没有影响他在学术方面伟大的分毫，反而让我们看到一个人在逆境中究竟可以如鱼得水到怎样的地步。也让我们对这位物理大师更为亲近，想到他和我们一样，是一个对世界充满好奇的普通人类，只不过他把自己的好奇心保持到了70岁，我相信还会继续保持下去。而我们大多数人，到了二三十岁，就会用种种理由让自己接受现实，进入到不断重复自己过去生活的过程中来。日复一日，更机械，更犬儒，更装腔作势地重复着他们自以为正确的经验。最后一步步活成了自己的影子，忘了小时候想要发现更大世界的理想。我们把这称为“二十岁就死了，八十岁才埋葬。”我一直忘不了霍金说的一段话：“我们人类自身不过是宇宙中一些基本粒子的组合，可以对宇宙的奥秘了解这么多，简直就是一个巨大的胜利，”霍金说，“所以不要忘了抬头看看星空，不要老是盯着自己的脚。要有好奇心。无论生活看起来有多不容易，你总能找到自己能做的事情而且可以干得很漂亮。最重要的事情是决不放弃。”“不要老是盯着自己的脚，要有好奇心，要时常看看星空。”以前我在推送中问大家，最激励你们的一句话是什么。最激励我的一句话就是上面这句。也希望与你们共勉。现在霍金先生回到了他的星空，但希望你们依然能记得这句话。播音：杨程昊责编：凉的友

Philip Nothard of COX Automotive interviews Phil Morgan, Head of findandfundmycar.com. Phil discusses the reason for entering what is already a crowded market and with his background at Gocompare, shares the challenges of making it a success and a household name.  Phil shares how the relationship with Motonovo will work, whether the dealers will need to support Motonovo and which dealers, it is aimed at.  He also shares the launch strategy and hints at the jingle they have created, to try to top Gocompare for the most annoying jingle of all time.

Research suggests price comparison websites have been good for consumers. But do the companies behind those websites also make good investments? For this episode of Boardroom Talk, IC specialist writer Megan Boxall speaks with the chief executive of one such company: GoCompare's Matthew Crummack. See acast.com/privacy for privacy and opt-out information.

Today on the show, we're talking about your Bill Free Day and how to make it happen earlier in the year. I'm joined by personal finance broadcaster Georgie Frost who shares a few tips. If you ever feel like you're spending too much money on household bills, and not enough on fun or the future, then this episode is for you.

This week on the show, what are the risks to consider when it's time to open a branch of the Bank of Mum & Dad? Introducing Mrs Mummypenny My co-host for this episode is Lynn James, otherwise known as Mrs Mummypenny. Lynn left the corporate world in June 2015 to run Mrs Mummypenny, a personal finance & lifestyle brand. She launched Mrs Mummypenny in 2013 whilst on maternity leave with her youngest son and kept it going as a hobby when she returned to full time work. Lynn has always loved sharing her money saving tips with friends, so thought why not learn how to build a website and social platform and go for it! You can follow Lynn on Twitter at @mrsmummypenny. Want to join the Informed Choice Radio squad and co-host a future episode? Find out more here. Personal finance news -The latest price inflation figures are a blow to millions of rail users, who will see a 3.6% increase in regulated rail fares from January. Train operators use the Retail Prices Index figure for July when setting regulated rail fare increases. -The merger of Aberdeen Asset Management PLC and Standard Life plc has completed this week to form Standard Life Aberdeen plc, one of the world’s largest investment companies. The merger has created a company with assets under administration of £670 billion. -A new online only cash Junior ISA has been launched by National Savings & Investments. The account will offer a 2% tax-free/AER (variable) interest rate and has a maximum subscription limit of £4,128 for 2017/18. -A new independent study from GoCompare has revealed that drivers could beat rising premiums and cut their insurance costs significantly, just by buying cover sooner and not leaving it until the last minute. According to new figures from the comparison site, 89% of drivers would see cheaper quotes if they shopped around a week before their policy start date, rather than leaving it until the day itself. -Average house prices close to Scottish Premiership football grounds have increased by 20% over the last ten years, according to research by Bank of Scotland. This represents an average increase of £24,811 during the past decade; from £121,237 in 2007 to £146,048 in 2017, equivalent to a weekly rise of £48.

Today’s episode is a big milestone, 200 episodes of this podcast. I look back at some of the highlights of those past 200 episodes, and describe the evolution of this podcast during that time. I also share a behind the scenes look at Informed Choice Radio; how do we actually produce three new episodes of this podcast each week? And I talk about some plans for the future, the first time I’ve spoken about this publicly, what the future has in store for Informed Choice Radio. Personal finance news update -The UK housing market is stagnating, according to surveyors. -Postal unions could take strike action following the news the Royal Mail is closing its final salary pension scheme next year. -A new savings bond from National Savings & Investment has gone on sale, offering a ‘market leading’ interest rate of 2.2%. -New research commissioned by Gocompare.com Money has found the average age parents expect their children to leave home is 25. -Official figures released this week show that the UK employment rate is at 74.6%, with 31.84 million people in work. Money article of the week How Your Body Responds to a Financial Windfall from Investopedia Random fact of the week In what was generally considered to be the first recorded financial bubble, the Tulip Mania of 1636-1637 involved speculators inflating the price of tulip bulbs. By the peak of tulipmania in February 1637, a single tulip bulb was worth about ten times a craftsman’s annual income. The bubble subsequently burst and the Dutch economy was plunged into a mild economic recession which lasted for several years. Inspirational quote Our inspirational quote this week comes from James W. Frick, former vice president for public relations, alumni affairs and development at the University of Notre Dame, who said: “Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are.” 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 –The Upstarts: How Uber, Airbnb and the Killer Companies of the New Silicon Valley are Changing the World, by Brad Stone

Today on the podcast, I'm sharing some thoughts on How To Make More Money By Doing Less. One of my personal goals for 2017 is to do less. This isn't about being lazy, but wanting to make more of my time. After all, we all have finite time and it’s so easy to fill with ‘being busy’. So I gave some thought to how we might make more of our wealth by doing less. Here are some ideas. To get you started, click here for the comprehensive checklist of all 5 points and some valuable notes (it’s FREE!). Get my detailed checklist here! Personal finance news update -The spending power of the average UK household rose by nearly £600 in the last financial year. Disposable income for the typical UK household rose to £26,332 after taxes, according to the ONS. -The price of petrol and diesel in the UK has risen to its highest since July 2015. This follows a three-pence-a-litre increase during December. -Younger generations are due to inherit more than their predecessors, but with greater inheritance inequality. New research by the Institute for Fiscal Studies found the wealth of older generations has risen by an average of 45% over the past ten years. -New research from Gocompare has found that, on average, people now manage over 30 accounts across all aspects of their lives. These range from online banking and shopping, to gym memberships and subscriptions for home entertainment. -Millions of credit card holders face a New Year financial hangover because they aren’t clued up about their credit card. The new research from MoneySuperMarket reveals two thirds of credit card holders don’t keep a close eye on how much they spend on credit and only check their statement at least once a month. 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.

Women and Money with Sarah Pennells, talking to Martyna Sroka, Founder of Money Saving Girl and Matt Sanders from Go Compare, all about different credit cards, rewards and cashback.