Podcasts about lifetime isa

It's another Q&A, and this week' we're talking Lifetime ISA withdrawals, whether you need life insurance and the NHS pensions scheme, among other things! Shownotes: https://meaningfulmoney.tv/QA8  01:08  Question 1 I just wanted to start by thanking you so much for your podcast. I'm probably one of your younger listeners, having started listening to you when I was 26. I feel very fortunate to have discovered your podcast at such a young age, as it means I will hopefully have years, if not decades, to put your excellent advice into practice. I have a quick question that I was hoping you could help me with. I currently have a LISA that I was planning to use as a deposit for a house. However, I am now planning to move to Australia permanently with my Aussie fiancée. I have separate savings that I can use for a deposit now, but since ISAs are not recognised in Australia while UK SIPPs are, would it be wise to take the 25% hit by withdrawing the money from my LISA and transferring it into a SIPP to benefit from higher rate tax relief and continued tax advantages? I understand you cannot offer specific advice, but I would be interested to hear if there are any general pitfalls or advantages in this plan that I should be aware of. Many thanks! Simon   04:40  Question 2 Will try to keep this brief but is challenging. Do we need life insurance? If I die whilst employed my wife gets a lump sum which will cover our only debt the mortgage through my DB pension scheme. If I retire aged 60-65 my lump sum will cover any mortgage remaining if still have one. My wife has no such pension / cover if she were to die (currently between jobs). I have emergency fund / Overpay into pension for tax relief & child benefit purposes / and recently opened stocks and shares ISA for myself and  2 children. Age 39 trying to build for future but started late :) Many thanks Lee   09:55  Question 3 Many thanks for all the ongoing information and discussion, I've been listening for years, but still learning and trying to put into practice all positive behaviours (just like with diet and exercise, knowing and doing are rather different!). A question and a thought. Question; (apologies, after I typed it, it turned out to be very long and NHS specific so feel free to ignore, but I think the point about revising tax returns after submission when new info comes is more generally applicable). I'm in the NHS pension scheme and am awaiting my RPSS after McCloud judgement. They were due by October. It's November and I haven't had mine (many others say the same). I believe they are prioritising those with who have definite AA charges and I doubt my NHS figures trigger that as I was part time for much of the relevant period. However, I also contributed to a private pension every year, the amounts varied, but were usually calculated quite closely using the AAPSS that I had at the time to maximise residual allowances - so basically I think I may now have Annual Allowance issues that I didn't at the time, but am not being prioritised by the NHS pension scheme for a new statement because they don't know about my extra contributions. Added to this I have already submitted my 23-24 tax return before I realised there might be a problem. Others have added a comment to theirs essentially saying ‘watch this space for more information' and apparently have 12 months to amend them once their RPSS arrives. So, the question is, can I still change my tax return (submitted on behalf by my accountant if that's relevant) if new information becomes available after Jan 31st (or even in the new tax year)? Do you have any advice for those waiting documents from the NHS pension scheme or insider knowledge re. Timescales for remaining documents? Anja   13:28  Question 4 Thank you so much for an amazing podcast! My question… After 7 years of a long distance relationship, I'm  talking to my partner about moving in together. Apart from checking your significant other listens to the podcast (mine does - phew) what are the most important areas to cover when thinking about joint finances, particularly if you haven't talked much about money before? Thank you! Elizabeth   19:07  Question 5 Hi Pete and Roger! Thank you so much for the show. I've been listening for the past 6 years and have gone from saving for a house to learning about pensions and now actively pursuing building my pension and ISA pots so that I can be ‘work optional' as soon as possible (hoping to be there in 5 years and would not have known where to even start if it wasn't for your podcast). My question is how does the actual mechanics of drawing down from a pension work? Is there an equivalent of PAYE for pension draw downs? How is income tax calculated and collected? Would a tax return need to be done? Thanks so much!! Gavin   24:07  Question 6 I am approaching the Lifetime Allowance (used 91.43%) but my Armed Forces Pension tax-free amount I received was less than the 25% for the amount of LTA used ( 58.96%). I have a Transitional Tax Free Allowance Certificate to ensure I am still able to receive the maximum tax-free amount (£268,275).  I have currently received £168,932.69 as a tax-free amount.  In order to realise the maximum tax-free amount I will need to exceed the LTA by £259,143.76. Finally, I am still able to max out my contributions each year at £60,000 to help reduce my tax bill. If I continue to max out my contributions each year and exceed the LTA to realise the tax-free amount, what are the implications of this or should I consider paying the money into other investment accounts? Regards, Martin  

Thousands of people have made complaints to the Energy Ombudsman related to so-called back billing, which is when customers are sent new bills for energy use longer than 12 months prior. The practice was banned by the regulator Ofgem in 2018 but is still causing consumers problems. In the cases investigated by Money Box customers had to complain multiple times before their suppliers recognised they'd broken these rules and cancelled the bills. Ofgem says it's committed to reviewing billing practices while the trade industry body Energy UK says suppliers are continuously working to improve practices.Is the Lifetime ISA fit for purpose in 2025? That's the question being asked as Parliament's Treasury Committee calls for evidence about whether it is still an appropriate financial product nine years after it was created. We'll discuss how it works successfully for some, but also the problems some people face.The price people in England and Wales pay for water and sewage services will rise sharply from 1st April. Figures announced this week revealed that households in England and Wales will pay on average £123 a year more for their water. What can you do if you're worried about affording your bills?And thousands of people in Northern Ireland are still without power after Storm Éowyn last week - what help is available?Presenter: Paul Lewis Reporters: Dan Whitworth and Eimear Devlin Researcher: Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 1st February 2025)

In this week's episode, Charlene Young and Danni Hewson look at what's happened since the Bank of England's Monetary Policy Committee cut the base rate to 4.5% last Thursday. Expectations for a cut were high so has the reaction from markets and mortgage lenders been unsurprising too? [01:30]  Danni gives the low down on the latest results from McDonald's and BP. Does activist investor Eliott taking a stake in BP mean there is a reset on the horizon for the struggling energy giant? [11:57]  Elon Musk is back in the news again. Donald Trump's right-hand man and head of DOGE has led a bid for OpenAI, the company he co-founded with current CEO Sam Altmann before their big fall out over the future of the ‘mission'. [17:46]  Charlene gives us a preview of an exciting new AJ Bell Money & Markets project.  Tom Sieber from Shares Magazine joins us to talk about defensive stocks. He explains what a defensive stock is, examines the traditional defensive sectors and reveals which metrics identify ‘defensiveness'. [23:17]  Dan Coatsworth interviews Guy Gittens, CEO of estate agent Foxtons to get his thoughts on where the property market could go next, the issues facing people who rent, and whether flaws in the Lifetime ISA are causing issues for prospective buyers in London. [28:46] 

Welcome to the latest episode of the AJ Bell Monet & Markets podcast. Tariffs have been on everyone's minds this week and they've caused some big movements on the markets and dominated the discussion for many companies. Danni Hewson runs through the key points and how they relate to investments. [04:06] Tom Sieber and Ian Conway from Shares magazine explain why tariff issues have cast a cloud over Diageo and the key takeaways from its latest results. [13:04] A government consultation on Lifetime ISAs closed this week so Dan Coatsworth explores the pros and cons of the account and the changes AJ Bell hopes to see in the near future. [26:06] Rachel Vahey talks about new figures on changes to the UK population and how this links to pensions. [29:05] Danni and Dan take a look at the latest numbers from Alphabet, Disney, Estee Lauder, GSK and Mattel. [37:17] Dan also chats about how certain activist investors are getting what they want, with major changes announced at Smiths Group and YouGov. [49:35]

Many young people saw the Lifetime ISA as their ticket onto the housing ladder. But with soaring property prices and a rigid price cap, thousands are now facing unexpected penalties - some are losing thousands in government withdrawal fees. Writer: Barney MacintyreProducer: Patricia ClarkeExecutive Producer: Jasper Corbett Hosted on Acast. See acast.com/privacy for more information.

On this week's AJ Bell Money & Markets podcast, we dive into a story about seven investment trusts under attack from an activist investor. The big retail companies have started to report on Christmas trading and not everyone is smiling about the outlook. You can also hear about the changing cost of keeping the lights on at home and why the Lifetime ISA is under review. There's been a sell-off in UK government bonds and the pound, causing jitters on the market at the start of the new year. Dan Coatsworth explains what's going on. [00:02:06] Hedge fund Saba Capital has got its sights on the UK investment trust sector and wants to get behind the driving seat of seven names including Baillie Gifford US Growth Trust and Herald Investment Trust. Dan takes a closer look and chats about why it's so important for investors to vote on the proposals and what could happen next. [00:05:14] Sue Inglis, an independent non-executive director from Baillie Gifford US Growth Trust, is on the podcast to share her experiences of being on the receiving end of an activist investor attack, and her thoughts on Saba's proposals. [00:11:25] Gas and electricity bills went up again on 1 January, when the latest energy price cap took effect. Charlene Young considers the impact to UK households and what they can do about it. [00:19:08] Following a miserable final quarter for UK retail, we've now got a host of shopkeepers updating on trading and giving guidance for the year ahead. Tom Sieber looks at what Tesco, Marks & Spencer, Greggs and Next are saying, and what to expect from retailers in 2025. [00:23:09] Charlene considers the reasons why the Government has announced a review of the Lifetime ISA and what might happen next. [00:35:29] Finally, Danni Hewson chats to Dominic Weller, fund manager of the Octopus UK Future Generations Fund, about whether investing for change can also come with chunky returns now that interest rates are slowly on their way down. [00:40:17]

In her maiden Budget, Rachel Reeves announced she would not be extending stamp duty thresholds for first time buyers nor did she increase the Lifetime Isa cap.FT Adviser senior reporter Alina Khan speaks to Brian Byrnes, head of personal finance at Moneybox, Ray Boulger, senior mortgage technical manager at John Charcoal, and Danny Norris, mortgage and protection specialist at Premier Property Solutions, to find out how first time buyers will be impacted and what can be done to get more people on the property ladder. Hosted on Acast. See acast.com/privacy for more information.

On this week's episode, Charlene Young and Laith Khalaf talk you through the impact on business of rising National Insurance and minimum wage bills. Plus labour market data for the period to September showed us the gloomy reality for businesses before the Budget as stalling investment and hiring plans fueled rising redundancies and unemployment. The Bank of England voted 8-1 to cut interest rates last week but forecasts published alongside the announcement give us an insight into just how inflationary the bank thinks Rachel Reeves' Budget will prove, and the likelihood of her achieving her pledge of ‘growth, growth, growth'. Dan Coatsworth interviews Jack Caffrey from the JP Morgan American Investment Trust for his take on the US election and why the market reacted like it did to that Donald Trump victory. To continue our US theme, Laith looks at how some of those early “Trump Trades” have fared in the last week as the Trump starts to appoint his trusted team with some familiar names. Bitcoin gets a double mention – not only has it been breaking records but a UK pension scheme has announced it will be allocated 3% of its assets to diversify its investment base, in a break with tradition in the pension space. It's also looking like a record year for flows into Exchange Traded Funds. What are ETFs are what has made them so popular? On the other side of the coin, we look at outflows from Fundsmith Equity and why first-time buyers might find the frozen Lifetime ISA property limit locks them out of their dream family home.

In this weeks episode we welcome Brian Byrnes, Head of Personal Finance at Moneybox to the show. Moneybox have over 1 million customers in the UK offering a range of financial products from ISAs to pensions and have the largest community of first time buyers using their award winning Lifetime ISA. In this episode:✅ The link between financial confidence and doubling your net worth✅ Why small, consistent actions are key to building wealth and security✅ How to make saving and investing easier✅ How a Lifetime ISA offers up to £1,000 in free money every year✅ Why finding lost pensions could change your financial future---------------------------------------------------PODCAST PARTNERSHIPA huge thank you to our partner PensionBee who are one of the leading online pension providers in the UK. They help you take control of your pension, so you can plan for retirement and they have over 229,000 customers doing exactly that. Their podcast ‘The Pension Confident Podcast' is one of my favourites right now. They cover topics from pensions, ISAs, and mortgages giving you all the tools you need to level up your financial knowledge.Tune in in on all your favourite channels!Visit PensionBee - https://www.pensionbee.com/uk?utm_source=finfluencer&utm_medium=podcast&utm_campaign=sammie_pod_sponsorship------------Get a FREE tailored money action plan

On this personal finance edition of Merryn Talks Money, our hosts discuss Lifetime ISAs and their usefulness in buying a home.See omnystudio.com/listener for privacy information.

Send us a textOn the hunt for the perfect house? Well, don't expect to find it. However, what you can find is something that will tick some of your boxes and allow you to live comfortably. In this lesson, we talk about how the Lifetime ISA scheme can help grow your deposit and how avoiding over-leveraging your debt can help you maintain a financially cool mindset.Referral CodesBe sure to check out this Google Doc which has a whole host of referral codes.Public Speaking TrainingEmail Joshua info@leadershipjoshua.comHow To Come Up With A $19M Skincare Idea In A WeekThe unobvious benefits of having no experience in business when setting up a new startup Listen on: Apple Podcasts Spotify

Today on It's Your Life (and this is mine) we meet Ola, the founder of the amazing finance network - All Things Money. Ola teaches us about things we wish we discussed more at school, the breakdown of a Lifetime ISA, how to minimise spending habits if you have ADHD and/or impulsively spend, the best apps to save and SO MUCH MORE!!!  We hope you enjoy this episode and learn something new! Tune in on your favourite streaming platforms and let us know what you think in the comments of @itsyourlifepod on Instagram. Find more of Ola:  Personal Instagram - https://www.instagram.com/ola_majekodunmi/  All Things Money IG - https://www.instagram.com/allthingsmoney_/  All Things Money TikTok - https://www.tiktok.com/@allthingsmoney_  All Things Money Podcast - https://allthingsmoney.com/podcast/   Mentions/More Info: Monzo app - https://join.monzo.com/c/5r28y4x Plum app - https://withplum.com/  Chip app - https://www.getchip.uk/  All Things Money Handbook eBook - https://allthingsmoney.com/product/the-handbook/  Money Hub app (good for ADHD/impulsivity) - https://www.moneyhub.com/app  Helplines/MH Information: If you're struggling with your mental health right now and need someone to talk to: ⁠https://samaritanshope.org/our-services/24-7-helpline/⁠ Free Week of Therapy - ⁠https://www.betterhelp.com/rpc/611041a01a4b487b-1-01⁠  Eating Disorders - ⁠https://www.beateatingdisorders.org.uk⁠ Bipolar Disorder - ⁠https://www.mind.org.uk/information-support/types-of-mental-health-problems/bipolar-disorder/about-bipolar-disorder/⁠ Contact ⁠itsyourlifethepodcast@gmail.com⁠ to share your story, thoughts or discuss a specific topic (you can be anon + you DON'T have to have an online presence). Sponsor Enquiries: scarletslippersblog@gmail.com + itsyourlifethepodcast@gmail.com  JINGLE: Music from Uppbeat (free for Creators!): https://uppbeat.io/t/color-parade/persephone  License code: ZECQ8DCHA5B7EHAP  Don't forget to rate IYL on Spotify, follow for future episodes and find us on your other fave streaming platforms!

In this episode of the Mind Money Soul podcast, I'm going to be sharing the top 5 ways to make free money. Who doesn't love free money?! In this episode, I dive into some smart ways to get the most out of your money, starting with the Lifetime ISA. Find out how you can get free cash from the government just by opening a Lifetime ISA, and learn about its perks and limitations. I also reveal a key industry secret: the benefits of a Stocks & Shares Lifetime ISA, and why it's a great tax-efficient way to save and grow your money.  Tune in as we explore various other money-making strategies. Learn how to boost your finances using referral schemes, and discover cashback and reward sites and apps that let you earn money while you shop. Yes, you heard that right—you can actually get paid to shop online! I also talk about the importance of paying into your workplace pension and how switching your current account, banks, or utility providers can score you up to £200. So, if you're looking to make some extra cash, don't miss this episode! In this epsiode: Why you should open a Lifetime ISA How to utilise cash back and reward websites - get paid to shop! Why you're missing out if you're not paying into your workplace pension Earn up to £200 by switching your current account, bank or utility provider How to make the most out of referral schemes Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Join  The Feel Good Investor

Martin Lewis explains all you need to know about student finance, what you could be entitled to, and how much you will pay back. Martin is joined by a prospective university student and parents concerned about funding their children through university. We also look at consumer rights - can online shops refuse returns? AND in Mastermind this week a listener takes on a question all about Lifetime ISA's.

Thomas (@thebankengine) joined me on this episode to talk about how he makes extra income each month - specifically a whopping £1,912 across April and May 2024. Not just in the last two months though, Tom the bank (or tank

Thomas (@thebankengine) joined me on this episode to talk about how he makes extra income each month - specifically a whopping £1,912 across April and May 2024. Not just in the last two months though, Tom the bank (or tank

Martin explains energy meter reading week – key info for everyone who pays energy bills by direct debit, and some on prepay.The big subject, how to boost your savings. There are five key accounts you need to know about from top cash ISAs, top easy access, the savings account that gives you a 50% boost, and a special deal for Nationwide customer.Plus caller Carly asks about getting a Lifetime ISA to help her son save to get on the property ladder.The Tell Us is all about when you prefer cheap, from sausage rolls to bogs rolls we've got your answers. And Nihal makes a cameo appearance, from home on the phone, as he couldn't miss his last ever money mastermind – will he get it right? It's all about travel insurance.

Rob looks at the upcoming general election in the UK and its potential impact on the property market, focussing on the issue of rising house prices outpacing wage increases, making it difficult for many to afford homes. He delves into the promises made by political parties regarding housing, such as building more homes and overhauling the planning system. However, the lack of concrete plans and the turnover of housing ministers in recent years raise concerns about the effectiveness of these promises... KEY TAKEAWAYS Housing market facing challenges with high demand and limited supply leading to increased prices. Lifetime ISA limit of £450,000 since 2017 may need to be increased to align with average house prices. Both major parties, Labour and Tories, have pledged to build 300,000 new homes a year but have not outlined specific plans to fix the housing market. Expectations of a rate cut in August for cheaper mortgage rates may not materialise as interest rates are predicted to rise due to inflation. BEST MOMENTS "It's important to look at what is likely to be said in the manifestos, but also how that could then potentially impact housing in general." "One thing that various people have brought in over the years is the Lifetime ISA. And that has helped people to contribute to purchasing a home." "Overhauling the planning system, again, that's been in the pipeline, I think, for a very, very long time, no matter who's been in charge." "Too many rail ministers and you wonder why things aren't really progressing at all." "Don't fall for the promises. Don't fall for all that mumbo jumbo. In a nutshell, the supply of housing needs to be dramatically increased." VALUABLE RESOURCES https://www.msn.com/en-gb/money/other/new-5-000-deposit-mortgage-allows-homeowners-to-borrow-up-to-99/ar-BB1kAyPG?cvid=a8d56fce268a490ed6c3e1a701b2dae2&ocid=winp2fptaskbar&ei=5&sc=shoreline  GET YOUR PROPERTY DEVELOPMENT FINANCE HERE: https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration SOCIAL MEDIA/CONTACT US https://linktr.ee/thepropertynomadspodcast BOOKS  Property FAQs = https://amzn.to/3MWfcL4   Buy To Let: How To Get Started = https://amzn.to/3genjle   101 Top Property Tips = https://amzn.to/2NxuAQL  uk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcast

On this week's AJ Bell Money & Markets podcast, Danni Hewson and Charlene Young dig through the latest UK inflation figures and bring you up to date on market reaction to central bank rate decisions. They also chat about Unilever's decision to spin off its ice cream empire, Nvidia's continued moves to dominate the AI sector and the Chancellor's comments that the pension triple lock will need to be looked at again after the next election. Dan Coatsworth gives us a sneaky peak into what's in the baskets of ISA millionaires as well as where investors have been investing their ISA money over the past few months. Scottish Mortgage Investment Trust is always a firm favourite in ISAs but it's had a tricky run of late. Danni chats to deputy manager Laurence Burns about why he feels it has turned a corner.  Laura Suter gets out her spreadsheet to show how a Lifetime ISA can help first-time buyers shave years off the slog to get a house deposit together. With some parents about to get a child benefit windfall thanks to the raising of high-income thresholds, Charlene explains how a Junior ISA can help you turn that into a chunky nest egg for your kids.

April will ring in the beginning of a new tax year so you may have noticed that there's a lot of talk about ISAs. But what are they and might they be useful for you? Here to help us understand a little bit more is Legal & General's ISA Product Manager, Fahad Ahmed. Fahad and our host Kia Commodore chat through the different types of ISAs for saving and investing your money, how the Lifetime ISA can help you get on the property ladder, what to consider when choosing a provider and the changes in this new tax year. You can play the podcast and find other useful content on Legal & General's website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can find out a little bit more about ISAs on Legal & General's website: https://www.legalandgeneral.com/investments/stocks-and-shares-isa/guides/investing-for-beginners/ Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General's take on things. They give financial guidance for a UK audience that's relevant at the time of recording. It's general best practice, not the kind of personalised advice you'd get from a financial adviser.See omnystudio.com/listener for privacy information.

For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it. In the latest episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Mobeen Akram, New Homes Director at the Mortgage Advice Bureau and Mitch Atkins, director at Michael Usher Mortgage Services as they delve into the history of Help to Buy, why it worked, why it ended, alternative buying schemes and the challenges facing young house buyers. The conversation also highlights some of the government-backed and private schemes currently available to help first-time buyers, including Lifetime ISA's, the First Homes Scheme and shared ownership. It also touches on individual mortgage products such as Joint Borrower Sole Proprietor, the increasingly prominent role being played by the Bank of Mum and Dad, intergenerational lending and the Barclays Springboard mortgage. So, what might replace Help to Buy in the future? This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision. Mortgage Insider is a Fresh Air Production for Barclays created by Julie-Anna Needham and Annie Day with Helen Carter and Sophie Devonport from Barclays. See omnystudio.com/listener for privacy information.

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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    Sit back and enjoy part two of our roundup featuring some of the best personal finance tips from expert guests of The Pension Confident Podcast. Whether you're saving to raise a family, or looking to buy a house, have a listen to hear helpful ideas from the likes of: Founder of Vestpod; Emilie Bellet, Host of The Conversation of Money Podcast; Peter Komolafe, Financial Times Consumer Editor; Clear Barrett, Founder of This Girl Talks Money; Ellie Austin-Williams, Barrister and Spokesperson for legal assistance charity, Advocate; Paul Infield, Co-Founder and CCO of Snoop; Scott Mowbray, and  PensionBee's Head of Content; Brooke Day.   Episode Breakdown:  00:36 Preparing your finances for kids 01:22 Turning your pension contributions on and off  01:53 Budgeting when you're self-employed 02:34 ISAs and tax 03:04 Buying a house with someone else 04:19 Financial personality and financial independence 05:05 Monthly budgets 05:30 Risks when withdrawing a Lifetime ISA.   Read the episode transcript 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, Threads, Instagram, TikTok, Facebook and LinkedIn.

In episode two of the no-nonsense guide to buying a home series, Phil guides you through how to save for a house. From the ins and outs of a Lifetime ISA to understanding fixed-rate savings, this episode will give you the confidence to grow small savings into a mortgage-worthy deposit. Tune in for How much should you save? Why to create a savings plan Utilising government schemes Get your free eBook, click here You can access more of Phil's advice for FREE on the Move iQ website Why not subscribe to receive Phil's monthly newsletters, and get his top tips and market updates direct to your inbox. You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk

Subscribe to our newsletter to receive our weekly bulletins and stay ahead of what is shaping the super prime property market.UK mortgage rates are poised to decrease as banks react to waning inflation, yet caution arises with anticipated interest rate hikes. Brokers advise against expecting rapid reductions, considering the Bank of England's outlook. While some banks cut rates up to 0.61 percentage points on fixed mortgages, sustained cuts are uncertain, with rates predicted to rise next month due to wage growth. Swaps markets project a year-end UK interest rate peak of 6%, down from July's 6.5%. In this fluctuating landscape, long-term strategies and prudent decisions gain importance.Property ownership hurdles persist for youth without parental aid. Despite stamp duty holiday benefits, soaring prices undermine deposit savings. A Zoopla survey reveals 40% of under-40s shelving homeownership dreams, even among those earning £60,000+. Rising expenses impede deposit growth. Strategic saving, exploring options like Lifetime ISA, shared ownership, and joint mortgages, can assist aspirants. Expert counsel and thorough planning are vital for success. Innovative strategies, like one spouse purchasing to bypass second home stamp duty, have limitations. Law deems both spouses joint buyers, liable for 3% if either owns two properties. Replacing a main residence within 36 months brings a 3% rebate. London's new-build market sees luxury units lure global buyers, yet mid-market oversupply yields homogeneity. Challenges aside, diligent research and understanding market intricacies foster opportunities. Mortgage borrowers gain by overpaying, curbing the term and interest. With expiring fixed-rate mortgages, homeowners explore overpayments due to rate hikes. They boost debt reduction, enhance ratios, and secure better rates. Prudent caution keeps emergency funds intact, prioritizing costly debts before overpaying. Compare mortgage rates to high-yield returns. Lenders cap annual overpayments at 10% for fixed deals. 

With some uncertainty in the banking world, Martin talks you through how safe your savings are and how to make the most of the savings you have. Martin also answers your questions including ‘What is better: a Help to buy ISA or a Lifetime ISA?' and ‘What should I do with my inheritance?' and you ‘tell us' about the strangest thing you've ever paid for… Plus some podcast exclusive tips on how to get a discounted family pass for National Trust sites and how you can get your hands on a free baked potato and beans!

Last week, the Bank of England announced an interest rate hike of 0.25%, which will have a significant impact on the UK property market. The change will impact mortgages, remortgages, and first-time buyers, and it comes just in time for the last day of the Help to Buy scheme. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Money Tips Podcast guest, Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services Ltd gives her expert views on the mortgage market. Fixed-rate mortgages will remain unaffected by the interest rate hike, which is good news for those who have locked in their mortgage rates for a fixed period. However, for those who are looking to remortgage, this could mean an increase in monthly payments. Watch YouTube Video Podcast Version: https://youtu.be/iRrL3GRY3-8 The Bank of England's interest rate hike is a response to rising inflation, which has been fuelled by increasing energy costs and supply chain disruptions caused by the pandemic. The aim is to curb inflation and stabilize the economy, but the move could also affect property prices. The Nationwide just announced the largest fall in house prices since 2009 and said that prices were down 3.1% on March 2022. Higher interest rates mean that mortgages will become more expensive, which could lead to a decrease in demand for properties. This could result in a slowdown in the property market, as potential buyers may become more cautious about making big financial decisions. The end of the Help to Buy scheme is also significant for first-time buyers. The scheme has helped many people get onto the property ladder by offering government-backed equity loans. From the 1st of April 2023, the scheme will come to an end, which means that first-time buyers may find it harder to get on the property ladder. One alternative option for first-time buyers is the Lifetime ISA, which is a tax-free savings account that can be used to buy a first home or used after age 60 for retirement. The account allows savers to put away up to £4,000 per year, and the government will top up the account with a 25% bonus - £1,000. In summary, the Bank of England's interest rate hike will impact the UK property market in several ways. Fixed-rate mortgages will remain unaffected, but remortgages, tracker and variable rate mortgages, as well as first-time buyers will be hit.  The end of the Help to Buy scheme could also make it harder for first-time buyers to get onto the property ladder. As always, it's essential to seek professional advice before making any financial decisions in the current climate. Need more help with your money, finances or debt? We are living in challenging economic times. I want to show you how can you: Not only survive, but thrive in a recession or depression? Get control of your finances and spending? Save and invest for your future? Learn about money and finance? To help you, I am running a free training webinar.   3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #property #mortgages #fixedratemortgage #remortgage #firsttimebuyer #helptobuy #mortgagerates #homebuyers #LifetimeISA #variableratemortgage #trackerratemortgageThis show was brought to you by Progressive Media

A Lifetime ISA Is Ideal For First Time Property Buyers To Earn £1,000 Tax Free Bonus Use or lose your £1,000 tax free bonus before 5 April... First-time property buyers can use a Lifetime ISA (Individual Savings Account) to buy their first home or save for retirement. You should be 18 or over but under 40 to open a Lifetime ISA. Watch video version - https://youtu.be/T4N8Drjy9ng You can invest up to £4,000 each year, until you're 50, but you must make your first payment into your ISA before you're 40. The UK government will add a 25% bonus to your savings, up to a maximum of £1,000 per year. See full details on government website. Need more help with your money, finances or debt? We are living in challenging economic times. I want to show you how can you: ·        Not only survive, but thrive in a recession or depression? ·        Get control of your finances and spending? ·        Save and invest for your future? ·        Learn about money and finance? To help you, I am running a free training webinar.  3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH   #property #mortgages #financialfreedom #firsttimebuyer #homebuyers #LifetimeISA #firsttimebuyer #firsttimehomebuyer #isa

A Lifetime ISA Is Ideal For First Time Property Buyers To Earn £1,000 Tax Free Bonus Use or lose your £1,000 tax free bonus before 5 April... First-time property buyers can use a Lifetime ISA (Individual Savings Account) to buy their first home or save for retirement. You should be 18 or over but under 40 to open a Lifetime ISA. Watch video version - https://youtu.be/T4N8Drjy9ng You can invest up to £4,000 each year, until you're 50, but you must make your first payment into your ISA before you're 40. The UK government will add a 25% bonus to your savings, up to a maximum of £1,000 per year. See full details on government website. Need more help with your money, finances or debt? We are living in challenging economic times. I want to show you how can you: ·        Not only survive, but thrive in a recession or depression? ·        Get control of your finances and spending? ·        Save and invest for your future? ·        Learn about money and finance? To help you, I am running a free training webinar.  3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH   #property #mortgages #financialfreedom #firsttimebuyer #homebuyers #LifetimeISA #firsttimebuyer #firsttimehomebuyer #isa

Last week, the Bank of England announced an interest rate hike of 0.25%, which will have a significant impact on the UK property market. The change will impact mortgages, remortgages, and first-time buyers, and it comes just in time for the last day of the Help to Buy scheme. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so ⁠register now⁠ below to avoid disappointment. ⁠https://bit.ly/3QPp8IH⁠ Money Tips Podcast guest, Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services Ltd gives her expert views on the mortgage market. Fixed-rate mortgages will remain unaffected by the interest rate hike, which is good news for those who have locked in their mortgage rates for a fixed period. However, for those who are looking to remortgage, this could mean an increase in monthly payments. Watch YouTube Video Podcast Version: ⁠https://youtu.be/iRrL3GRY3-8⁠ The Bank of England's interest rate hike is a response to rising inflation, which has been fuelled by increasing energy costs and supply chain disruptions caused by the pandemic. The aim is to curb inflation and stabilize the economy, but the move could also affect property prices. The Nationwide just announced the largest fall in house prices since 2009 and said that prices were down 3.1% on March 2022. Higher interest rates mean that mortgages will become more expensive, which could lead to a decrease in demand for properties. This could result in a slowdown in the property market, as potential buyers may become more cautious about making big financial decisions. The end of the Help to Buy scheme is also significant for first-time buyers. The scheme has helped many people get onto the property ladder by offering government-backed equity loans. From the 1st of April 2023, the scheme will come to an end, which means that first-time buyers may find it harder to get on the property ladder. One alternative option for first-time buyers is the Lifetime ISA, which is a tax-free savings account that can be used to buy a first home or used after age 60 for retirement. The account allows savers to put away up to £4,000 per year, and the government will top up the account with a 25% bonus - £1,000. In summary, the Bank of England's interest rate hike will impact the UK property market in several ways. Fixed-rate mortgages will remain unaffected, but remortgages, tracker and variable rate mortgages, as well as first-time buyers will be hit. The end of the Help to Buy scheme could also make it harder for first-time buyers to get onto the property ladder. As always, it's essential to seek professional advice before making any financial decisions in the current climate. Need more help with your money, finances or debt? We are living in challenging economic times. I want to show you how can you: ·        Not only survive, but thrive in a recession or depression? ·        Get control of your finances and spending? ·        Save and invest for your future? ·        Learn about money and finance? To help you, I am running a ⁠free training webinar⁠.  3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so ⁠register now⁠ below to avoid disappointment. ⁠https://bit.ly/3QPp8IH⁠   #interestrates #property #mortgages #fixedratemortgage #remortgage #firsttimebuyer #helptobuy #mortgagerates #homebuyers #LifetimeISA #variableratemortgage #trackerratemortgage

Last week, the Bank of England announced an interest rate hike of 0.25%, which will have a significant impact on the UK property market. The change will impact mortgages, remortgages, and first-time buyers, and it comes just in time for the last day of the Help to Buy scheme. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Money Tips Podcast guest, Miriam Nawagamuwa CeMAP, Mortgage and Protection Advisor with Larkin Financial Services Ltd gives her expert views on the mortgage market. Fixed-rate mortgages will remain unaffected by the interest rate hike, which is good news for those who have locked in their mortgage rates for a fixed period. However, for those who are looking to remortgage, this could mean an increase in monthly payments. Watch YouTube Video Podcast Version: https://youtu.be/iRrL3GRY3-8 The Bank of England's interest rate hike is a response to rising inflation, which has been fuelled by increasing energy costs and supply chain disruptions caused by the pandemic. The aim is to curb inflation and stabilize the economy, but the move could also affect property prices. The Nationwide just announced the largest fall in house prices since 2009 and said that prices were down 3.1% on March 2022. Higher interest rates mean that mortgages will become more expensive, which could lead to a decrease in demand for properties. This could result in a slowdown in the property market, as potential buyers may become more cautious about making big financial decisions. The end of the Help to Buy scheme is also significant for first-time buyers. The scheme has helped many people get onto the property ladder by offering government-backed equity loans. From the 1st of April 2023, the scheme will come to an end, which means that first-time buyers may find it harder to get on the property ladder. One alternative option for first-time buyers is the Lifetime ISA, which is a tax-free savings account that can be used to buy a first home or used after age 60 for retirement. The account allows savers to put away up to £4,000 per year, and the government will top up the account with a 25% bonus - £1,000. In summary, the Bank of England's interest rate hike will impact the UK property market in several ways. Fixed-rate mortgages will remain unaffected, but remortgages, tracker and variable rate mortgages, as well as first-time buyers will be hit. The end of the Help to Buy scheme could also make it harder for first-time buyers to get onto the property ladder. As always, it's essential to seek professional advice before making any financial decisions in the current climate. Need more help with your money, finances or debt? We are living in challenging economic times. I want to show you how can you: ·        Not only survive, but thrive in a recession or depression? ·        Get control of your finances and spending? ·        Save and invest for your future? ·        Learn about money and finance? To help you, I am running a free training webinar.  3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH   #interestrates #property #mortgages #fixedratemortgage #remortgage #firsttimebuyer #helptobuy #mortgagerates #homebuyers #LifetimeISA #variableratemortgage #trackerratemortgage

Welcome to the first episode of season 3 of The Stocks and Savings Podcast! As always, you're joined by Andreea & Jamie, the 2 Chartered Accountants & couple behind the Instagram financial blog @stocksandsavings. As we approach the end of the tax year, we're looking at ways to make the most out of our money. One such way is to save and invest tax free using an Individual Savings Account (ISA). In this episode, we'll talk about what an ISA is, the main types of ISAs (Cash ISA, Stocks & Shares ISA, Lifetime ISA, Innovative Finance ISA and Junior ISA) and we'll also discuss some popular ISA providers in the UK. We hope that this episode helps you choose the right ISA for you and the right provider. If you enjoyed this episode, please leave us a 5⭐️ rating & a review. As a smaller podcast, it would really help us reach more people. Thank you!

In the latest episode of the pod I'm talking about: Which policies are staying and which are going in the Mini-Budget u-turn What reducing the energy price cap freeze means for your bills How to get a hot drink for just 1p How a new bonus scheme makes the Amex Gold card the best for cashback A listener question on Lifetime ISA penalties My deals of the week For links and further reading head to becleverwithyourcash.com/cashchats289 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash   youtube.com/andyclevercash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence     

Tony talks about the erosion that occurs in your savings with the current inflation rates and how you can benefit from tax relief in the coming year.   KEY TAKEAWAYS Tax efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life. One way to avoid tax is to contribute to an individual savings account (ISA) and take advantage of up to £20,000 tax free with a stocks and shares ISA. A cash ISA allows you to earn interest on your savings without having to pay any tax on interest earned. Junior ISA are for those under 18 without a trust fund account. Up to £9000 can be put in a Junior ISA and can be used for a wide range of purposes such as education or training costs.         BEST MOMENTS ‘The type of investment and tax efficiency that you should be looking at will depend firstly on whether your priority is to save a lump sum for the future or to draw an income today.'  ‘Not only will your investment grow tax efficiently, you'll also benefit from the potential for capital gains. ‘Another option is a Lifetime ISA or LISA. If you are looking to save for retirement or to buy your first home you may also want to consider opening a LISA. With a LISA you can save up to £4000 in the current tax year. The government will add out to 25% to any savings held in a LISA up to a maximum of £1000 a year.'  ‘If you earn over £100,000 making personal pension contributions can be highly advantageous.'   VALUABLE RESOURCES Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth   Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth     ABOUT THE HOST Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.   “Live For Today, Invest For Tomorrow”   CONTACT Tony's official website: https://ttwealth.co.uk/ Facebook: https://www.facebook.com/TonyThomas.IFA/ LinkedIn: https://www.linkedin.com/in/tonythomas2/See omnystudio.com/listener for privacy information.

Rob & Rob are back with more listener questions and wow, we've got some cracking ones for you this week.  Getting us started is Ben.  Ben is currently looking to purchase his second buy-to-let, but after completing a survey on the property, he's been told that there's around £11,000 worth of repairs needed on some damp and the roof.  What Ben would like to know is, does this give him the chance to renegotiate the purchase price?  The original offer was a good one and slightly over market value, but with the potential cost of work hanging over his head, he's thinking that what started off as a good deal, will become a bad one.  Should he try and knock the costs off the purchase price?  Next up we've got a question from Alex.  After listening to the podcast, Alex and his wife first took the plunge to invest back in January 2020 and they're currently completing on their fourth. Today they're hoping Rob & Rob can help them with the sticky situation they've found themselves in.  We all know that inflation is on the rise, and with what Alex has been hearing on the podcast, he's wondering if now's the time to pull out of his ISA.  He's currently got 10K in a Lifetime ISA that has an interest rate of 0.85%, which, thanks to inflation, means he's actually losing money.  Alex wants to know whether he should pull out his money, lose the 25% the government have topped it up with, leaving him with 7.5K or if he should just stick with it because the government contributions make it worthwhile?  Tune in to find out advice the guys have got this week.  Do you have a buy-to-let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).   Or if you prefer, click here to leave a recording via your computer instead.  The next question on Ask Rob & Rob could be yours.   Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So, get yourself over and introduce yourself.  And if you'd like to find out more information about Portfolio you can do that here. See omnystudio.com/listener for privacy information.

Ashley dreams of owning his own home, but is well aware that the cash he is saving for a deposit is at the mercy of rising inflation. Would he be better off investing his money in his pension, in stocks and shares, or should he stay focused on getting on the property ladder?Expert guests Paul Johnson, director of the Institute for Fiscal Studies, and Jason Butler, financial guru and FT columnist, have lots to say about the challenges facing younger investors, and offer tips for devising a long-term financial strategy.If you would like to be a future guest on Money Clinic podcast, please email the team via money@ft.com or follow Claer on social media @Claerb. To read Claer's FT column about how 20-somethings are being forced to choose between targeting property or pensions, click on this link: https://www.ft.com/content/2815d35d-2297-4712-a4c5-0178de343eb1 To hear Claer chatting to Paul Johnson in-depth about the pensions challenges facing young people on the IFS podcast, click here: https://ifs.org.uk/podcast/should-people-be-saving-more-for-retirement To listen to our previous episode ‘How to get a pay rise', click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d You may also be interested to hear our previous episode about using the Lifetime Isa or Help to Buy Isa to save up for a property: https://www.ft.com/content/bf08da37-7901-4446-811b-ceef108824b4 Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. See acast.com/privacy for privacy and opt-out information.

When looking to purchase your very first home, a Lifetime ISA may be able to help you on your money saving journey towards a house deposit. To help me discuss Lifetime ISAs: what they are and how they work in today's episode, I am joined with Ben Osgood, Head of Beehive Money! To download the Beehive Money app click here, or you can give them a follow on Instagram, Facebook or Tik Tok! **Please note: Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed. For more All Things Money, make sure you give us a follow on Instagram, Twitter and Facebook! Fancy supporting the podcast? You can do so here. Beehive Money is an introducer to Mortgage Advice Bureau for mortgage advice and protection.  Mortgage Advice Bureau is a trading name of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Mortgage Advice Bureau Limited. Registered Office: Capital House, Pride Place, Derby DE24 8QR Registered in England number: 3368205 (FCA FRN 455545). Mortgage Advice Bureau (Derby) Limited. Registered Office: Capital House, Pride Place, Derby DE24 8QR Registered in England number: 6003803 (FCA FRN 466154).

This week, Laith Khalaf brings us the latest markets news, including markets bouncing on potential Ukraine peace talks and Barclays taking a £450m hit to profits. Laith and Laura Suter also crunch the numbers on how much Rishi Sunak's tax changes are actually going to cost you over the next few years. We also discuss Neil Woodford's former protégé Mark Barnett making a return to fund management, after a year out. And Laura looks at a new savings account that actually pays an interest rate above 1% – but there's a catch. Also on this episode, Dan Coatsworth has an interview about how the energy price cap and Russia/Ukraine crisis has impacted the energy industry. And finally, Laura and Tom Selby have a Lifetime ISA special, answering all of your questions about the end of the tax year. 

It's the time of year when we are urged to put our money into an Isa or pension, but faced with the choice which should you pick? After all, most of us don't have the £52,000 needed to max out both (£20,000 into an Isa and £32,000 into a pension plus the £8,000 tax relief added). So, we must make a decision: take the upfront tax relief of a pension and that lovely boost to the money you pay in, but not be able to get the cash until at least age 55, or opt for the tax-free gains of an Isa and its flexibility, but no contribution booster. On this podcast, Georgie Frost and Simon Lambert look at the perks of each, where the drawbacks are and how you can make an informed decision. Plus, is the Lifetime Isa a better option for your hard-earned cash? Also, on the show, they discuss the child benefit mess and how many mums are missing our on vital state pension credits, whether Chase's bank account is now Britain's best, and how to work out if buying an expensive electric car might save you money.

In this week's episode of the Mr MoneyJar Show we are joined by mortgage expert Dan, to discuss the various government schemes available to homebuyers in the UK. We discuss the Lifetime ISA, Help to Buy Equity Loan Scheme, Shared Ownership, Mortgage Guarantee Scheme, First Home Scheme and Right to Buy - and - we talk about some of the things you could be doing to get your finances in shape if you're not quite ready to buy yet. You can find out more about Dan at his Instagram page: instagram.com/dandoesmortgages_

Ever wondered why you can't afford a house, even though you pay plenty of rent? In this episode we speak to Ben Osgood, head of Beehive Money, all about why buying a first home is the biggest financial goal for millions of people, the common first time buyer mistakes Ben comes across, and how Beehive can help you to speed up your saving towards home ownership. You can find out more about Beehive Money at https://www.beehivemoney.co.uk/ or on social media @mybeehivemoney.Thank you to Ben & Beehive Money for sponsoring this episode!YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON  YOUR MORTGAGE There may be a fee for mortgage advice. The actual amount you pay will depend upon your  circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.Lifetime ISA Open between 18 and 39 years old with £10 on the app. Maximum £1,000 bonus on maximum  £4,000 savings per tax year. your £4,000 Lifetime ISA allowance forms part of your overall  £20,000 annual ISA allowance. Any withdrawals within the first 12 months of your first payment into a Lifetime ISA will incur a  25% government charge, which would mean you would get back less than you paid in. After 12  months of making your first payment, you can withdraw money to buy your first home, but if you  withdraw for any other reason than that before you reach 60 years of age, the government  withdrawal charge will apply (unless you're diagnosed with a terminal illness). Transfers in only accepted into the Homebuyer LISA for balances of £10,000 or more. First-time  buyers only, no age limit.  Cashback Ts & Cs Cashback offer commences on 11 November 2021 and lasts until withdrawn by Beehive Money.  We won't be able to notify you personally about the withdrawal, but you can always check our  website www.beehivemoney.co.uk/ or our app.  To qualify for the cashback offer,  o you need to have instructed Beehive Money to transfer in your cash or investment  Lifetime ISA (which cannot be another Beehive Money or Nottingham Building  Society Lifetime ISA) with a minimum balance of £10,000 to the Beehive  Homebuyer Lifetime ISA before the cashback offer is withdrawn  o You need to be named on the Beehive Money Homebuyer Lifetime ISA and the  account which you are transferring to us o You must also be named on the nominated bank account which you link to your  Beehive Money Homebuyer Lifetime ISA o You must continue to hold, and be named on, your Beehive Money Homebuyer  Lifetime ISA on the date we pay the cashback offer  - Your cashback will be paid to your nominated bank account only, no other payment  options are permitted.  - Within 90 days of your cash or investment Lifetime ISA being successfully transferred  into us, we will pay the cashback to your nominated bank account. - You will only be eligible for one cashback offer with Beehive Money - If our cashback offer is withdrawn before your transfer in is complete, you will remain  eligible subject to the above criteria. 

The greatest hurdle first-time buyers face after years of house prices rocketing far faster than wages is saving for a deposit. A 10 per cent deposit on the average £273,000 home, according to Halifax's index, would be £27,300 – roughly an entire year's average salary. That's a tough gig to save while paying rent, bills, commuting costs, living expenses and trying to at least enjoy your 20s or 30s a little bit. So what can prospective homeowners do to get that money? How long would it take to save and can the often-maligned Lifetime Isa be a real no-brainer of a booster here. On this week's podcast, Georgie Frost, Helen Crane and Simon Lambert talk about trying to buy your first home, saving for a deposit, and whether new Bank of England rules designed to make mortgages easier to get could end up backfiring and sending prices even higher. Those potential rule changes come about because problematically, if a first-time buyer could save that £27,300, they would then need to borrow £245,700 on a mortgage to buy the average home.  Even if they were able to find a bank or building society that would offer to lend them five times their salary, an individual first-time buyer would need to earn about £50,000 per year to qualify. A shift to enabling first-time buyers to borrow more would bridge that gap, at the expense of huge mortgages, but could it just drive house price inflation. Also on this week's podcast, could a savings platform boost your rate, what a damning report into Ofgem's role in energy supplier collapse said and in the year that is a gift that keeps on giving, Christmas present inflation.

On this week's episode, Danni Hewson talks about the impact Omicron is still having on markets – in particular, what it means for a potential interest rate rise next week – but has some positive news for us from retailers. We also look at the ongoing Evergrande saga, and how China is managing the issue. Laura Suter talks about how rising house prices are particularly hitting Lifetime ISA savers, and may leave them with a hefty bill, while Tom Selby assesses how LISAs stack up against a pension as a retirement savings option, in Pension Corner. As Christmas gets closer, we also look at the monetary gifts people are planning to give this year, and who is keeping gift cards alive. And Laura speaks to Prakash Chandramohan from TISA about how more younger people can get into investing.

REPEAT: Claer explores how young people can use the popular tax-free Isa accounts to invest or buy their first property. This week, she meets Ryan, a 22-year-old graduate who confesses he has three Isa accounts, but doesn't know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing. If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:If you're new to investing, listen to this past Money Clinic episode on starting out https://www.ft.com/content/caedf0b3-4052-430c-99b4-107ea093d3fcIf you're ready to rock with an investment Isa, check out this free-to-read FT column by Claer: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aecHarleigh Reid also hosts her own YouTube site: https://www.youtube.com/user/TheHarlszCheck out Iona Bain's Young Money blog here https://www.youngmoneyblog.co.uk/ or read her FT column about her Lifetime Isa here https://www.ft.com/content/52ad32d8-ac7b-11e9-b3e2-4fdf846f48f5 See acast.com/privacy for privacy and opt-out information.

In this week's episode find out: Whether cash or stocks & shares is best when it comes to using a Lifetime ISA for retirement My top savings to get you back in the cinema What you get from the new M&S Bank Club Rewards Plus I answer listener questions about the new Nationwide bank switching bonus. For links and further reading head to becleverwithyourcash.com/cashchats215 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash     GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence     

Many people know that they should be saving for retirement but it is often difficult to delay more immediate needs. Further, too many of us believe that investing is for the rich. This could not be further from the truth and I wish someone broke this down for me earlier. Investing is for EVERYONE.In this episode, I share some tips on how to start investing with as little as $50 - $100 a month. I talk about:1. It all starts with a good budget. A good budget empowers you to tell your money where to go. Read this post to learn how to create a budget that works.2. Investing enough to get your employer match on your retirement savings/investments3. What to do if you don't have an employer retirement plan4. Prioritizing taking advantage of tax-deferred accounts first5. Taking advantage of government perks like the Savers credit in the USA and the Lifetime ISA in the UKWhen it comes to investing, procrastination is costly! Start today, with what you have and as your income grows, increase your contributions. Your 60-year-old self will be so proud of you. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Emma is a secondary school teacher striving for financial independence in the UK. We discuss the benefits of investing into a stocks and shares Lifetime ISA /LISA, as well as using the Vanguard platform. Recommended ResourceFree Your Finances https://www.youtube.com/channel/UCgQVDz1prqHxwtCmHPT7C2wPatreonhttps://www.patreon.com/theartofmoneysavingThe Art of Money Saving Resourceshttps://www.theartofmoneysaving.com/

Stephen Galpin JP is joined by tax barrister Andy Wood from ETC Tax & Kam Dovedi founder of Premier Property on this episode of Property Question Time. Questions asked: Andy Wood 1) Would it be against the law to have a property owned in a Limited Company and then rent it to yourself for a minimal figure? How would taxation work assuming it was allowed? 2) I am considering buying my first property and wonder if I will lose my Lifetime ISA 25% allowance if I buy the property in a Limited Company rather than my personal name? I am told that there are benefits to buying in a company name, do the panel agree?  Kam Dovedi 1) Could I ask the panel if they could suggest a formula for assessing the overall yield from buy to let properties in terms of geography? It would seem that the yields are higher the further North you go however, I guess one has to ask if the demand and affordability are lesser than in the South? Would appreciate some guidance. 2) In readiness for my entry into the Buy to Let investment market I have found many online tutorial opportunities offering an easy path to property profits. Some of these mentoring offers are quite expensive so my question is, how do I check out the providers and their courses ensuring that they are genuine and realistic in terms of content. 

Join me and the Nottingham Building Society to discuss Lifetime ISAs. In this episode we run through everything you need to know about LISAs and what role they can play in your financial set up.

Your weekly digest of the biggest money stories from the last seven days, this week looking at John Lewis' struggles Amazon's till-free supermarket 40-year fixed mortgages Climate-friendly pensions Lifetime ISA changes Right to repair rules & more My guest this week is Emma Maslin from the Money Whisperer. Together we'll help you get up to speed with what's been going on. Read more about all these stories at becleverwithyourcash.com/cashchats176 You can let Andy know what you think of the show at becleverwithyourcash.com/survey21 Follow Emma on Twitter https://twitter.com/MoneyWhisperer_ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash     GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence     

I answer a brilliant question from listener Lauren about investing via Lifetime ISA compared to a Pension. I also chat through some of the key issues from yesterday's budget announcement.If you have questions about anything to do with finance, please... nOJjffG1yGNyMnOhbiU5If you want to drop me a DM or an email or find more content from The Hedge, everything is at thehedge.io Get full access to The UK Money Guide at theukmoneyguide.substack.com/subscribe

In this 15 minute episode I break down everything you need to know about ISAs. ISAs are the best way to grow your money as all of the gains are tax-free! The things covered in this episode include: - The basics - what are ISAs, how they work, the £20k annual allowance and how this works - 4 types of ISA - Cash, Innovative, Stocks & Shares, Lifetime - I look at S&S ISAs and Lifetime ISAs in more detail, including the different approaches to S&S ISAs and which Lifetime ISA is best for your situation - How many ISAs you can contribute to each year - 2 ways to switch your ISA - ISAs vs Pensions And a lot more. Listen to the entire episode to up your ISA knowledge!

In this 15 minute episode I break down everything you need to know about ISAs. ISAs are the best way to grow your money as all of the gains are tax-free! The things covered in this episode include: - The basics - what are ISAs, how they work, the £20k annual allowance and how this works - 4 types of ISA - Cash, Innovative, Stocks & Shares, Lifetime - I look at S&S ISAs and Lifetime ISAs in more detail, including the different approaches to S&S ISAs and which Lifetime ISA is best for your situation - How many ISAs you can contribute to each year - 2 ways to switch your ISA - ISAs vs Pensions And a lot more. Listen to the entire episode to up your ISA knowledge!

With “Isa season” fast approaching in the UK, Claer explores how young people can use the popular tax-free accounts to invest or buy their first property. This week, she meets Ryan, a 22 year old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing. If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:-If you’re new to investing, listen to this past Money Clinic episode on starting out -If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer-Harleigh Reid also hosts her own YouTube channel-Iona Bain shortly releases her second book on investing and features in the FT talking about her Lifetime Isa See acast.com/privacy for privacy and opt-out information.

Ato from @savvywallet and I discuss getting on the property ladder as a first time buyer We talked about the two key elements - the mortgage and the deposit. For both the mortgage and the deposit the best thing you can do is to increase your income. This means you can get a larger mortgage and also save quicker for the deposit. Throughout the podcast we also share other tips such as budgeting and buying your first house with someone else. We also go through the Help To Buy ISA and Lifetime ISA and talk about which government scheme is better. As well as ending on talking about gifted deposits, which can be another useful tool to help you get on the property ladder.

Ato from @savvywallet and I discuss getting on the property ladder as a first time buyer We talked about the two key elements - the mortgage and the deposit. For both the mortgage and the deposit the best thing you can do is to increase your income. This means you can get a larger mortgage and also save quicker for the deposit. Throughout the podcast we also share other tips such as budgeting and buying your first house with someone else. We also go through the Help To Buy ISA and Lifetime ISA and talk about which government scheme is better. As well as ending on talking about gifted deposits, which can be another useful tool to help you get on the property ladder.

In today's episode I talk through Lifetime ISA's, the pros and cons and points to be aware of if you are saving for your first house.I answer a question on whether you should invest via Vanguard or via Hargreaves Lansdown. Whilst these 2 providers look...Get your free copy of Modern Investing Fundamentals at thehedge.ioIf you'd like a BONUS monthly podcast episode and to support the show, you can do that here. Get full access to The UK Money Guide at theukmoneyguide.substack.com/subscribe

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

Money Box investigates why parents who have to take unpaid leave to look after children who need to self isolate are unable to claim the £500 Test and Trace support payment. The Government wants to expand shared ownership as part of a five year housing plan. But is part renting, part buying a leasehold flat really a staircase to heaven? And why young people that the government has encouraged to pay into a Lifetime ISA account are unable to receive Universal Credit. Presenter: Paul Lewis Producer: Alex Lewis Editor: Emma Rippon

Could there be a worse year than 2020 to graduate from university? Lockdown disrupted final exams, not to mention final goodbyes - and graduates face one of the toughest recruitment markets in recent times. Claer Barrett chats to 21-year-old graduate Olly. He’s landed a traineeship with a big City of London firm, but his start date has been delayed until January 2021. Other friends have had job offers withdrawn, ending their hopes of renting a London flat together. Olly also worries how Covid-19 could affect his job security and career progression. Can his love of spreadsheets help him budget for the unexpected? With experts Iona Bain and Jonathan Black.The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, Money Clinic features real life stories from FT readers around the world (on a first name only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Further ReadingIf you’re about to start your first job, read this column by Claer (she wrote it when her stepdaughter landed her first job). There are tips on setting a budget, and using workplace perks including the company pension and Save As You Earn schemes to maximise your savings: https://www.ft.com/content/4604c988-a7ad-11e9-984c-fac8325aaa04If you enjoyed hearing Jonathan Black’s careers advice, check out his regular column in the Financial Times where he answers readers’ dilemmas: https://www.ft.com/dear-jonathanThis column, How do I get my first graduate job in a tough economic climate? contains some useful insights from Jonathan and FT readers: https://www.ft.com/content/42ff5dc4-8976-11ea-a109-483c62d17528Iona Bain is a freelance writer who shot to fame with her hugely successful Young Money Blog, covering everything from budgeting hacks to the best money apps and non-nonsense advice on pensions and investing: https://www.youngmoneyblog.co.uk/Iona’s next book Own It! How our generation can invest our way to a better future comes out next year, and is available for pre-order now: https://www.amazon.com/Own-generation-invest-better-future-ebook/dp/B08JVFLFFRIona regularly writes in FT Money; one of her most recent pieces covers how she uses the Lifetime Isa for under-40s to invest for the future: https://www.ft.com/content/5d6eb1a8-f403-44c0-8ad6-1648460f7900You can follow Claer Barrett on Twitter and Instagram @ClaerbYou can follow FT Money on Twitter @FTMoney See acast.com/privacy for privacy and opt-out information.

It's Tuesday. And that means another episode of Ask Rob & Rob.  Our first question this week comes from Michael. He's seen that in some city centres like Liverpool for example, there are developments that are advertised as ‘investor only' developments and he's a bit concerned.  These are developments that offer guaranteed yields for a certain period of time, so he's wondering what Rob & Rob think of these schemes.  Rob B tackles this question head on, and not only shares his views on these schemes, but also goes into detail about how they actually work. Our next question is from Jordan who's got a question about lifetime ISAs.  He's a first time buyer and he's set up a lifetime ISA to take advantage of the government's 25% bonus scheme.  At the moment, due to coronavirus, there's no penalty for withdrawing the money, whereas previously you would lose around 6% of the original deposit.  However he's wanting to know if buying a property with a lifetime ISA means he loses any profit that he would make on his property in the future?  We've had a number of questions come in recently around lifetime ISAs.  So, should you avoid putting your money into a lifetime ISA or go and an open one tomorrow?  Tune in to find out.    Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours.  Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

UK house prices bounce back in July from June fall, says Nationwide House prices rose by 1.7% during the month compared to a 1.5% fall in June, according to the lender Nationwide Building Society. Other articles available at Money Tips Podcast - www.moneytipsdaily.com 1. UK property prices jumped by 3% since June after stamp duty cut 2. How to find your ‘goldmine’ property area right where you are 3. Unemployment could reach 10% and recession last until 2024 4. NS&I paying 1%pa no minimum or early withdrawal penalties 5. Help to Save best deal of all with 50% bonus if you qualify on low income 6. Lifetime ISA 25% bonus, invest up to £4,000 for first-time-buyers aged 18-39 7. Payday lenders or ‘instant short-term loan providers charge up to 91% APR Are you ready to adapt to the new economic model? As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

Other articles available at Money Tips Podcast - www.moneytipsdaily.com 1. Camden Town looking quiet, like the calm before the storm 2. Unemployment could reach 10% and recession last until 2024 3. NS&I pay 1% no minimum or early withdrawal penalties 4. Help to Save best deal of all with 50% bonus if you qualify on low income 5. Lifetime ISA 25% bonus, invest up to £4,000 for first-time-buyers aged 18-39 6. Payday lenders or ‘instant short-term loan providers charge up to 91% APR 7. High street banks are charging as much as 40% just for an overdraught facility 8. Credit card companies still charging extortionate 16-20% despite low base rate 9. New Home Insulation Grants – Work must be quality checked say consumer groups 10. The UK housing market is rebounding fast after a tax cut by the Chancellor Rishi Sunak 11. UK Property prices rise after stamp duty cut, despite rising unemployment Are you ready to adapt to the new economic model? As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution? By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

How To Make Your Money Make Money - Ben's Business Podcast #97 Here's some of Naz's key lessons he shared: - there is no way to get rich quick - save for the future - don't put all your money in the bank - study the habits of the wealthy - save/allocate your monthly income with a formula 60,20,10,10 etc - If I had 5,10,15-20k, I'd invest in index funds via Vanguard or Black Rock. - Look at a Lifetime ISA and speak to a professional, I'm just here to make you aware of what's available to you (21mins in the video) - If you put money into investment platforms, make sure you choose one with 85k savings protection, and they keep your money separate from their money - invest in dividend-paying shares - if I want to invest in companies, I choose companies I know, use and love. Or, I trust in them being open to evolving. - think like a producer, not a consumer - don't put all your eggs in one basket - I feel its better to invest in stocks than in property in the UK. - if you spend money, use a credit card and always get cashback - get rewarded by banks for opening accounts with them - if you have a lot of money and are interested in investing in companies, look at EIS/SEIS. - always have a budget in life as a benchmark, don't be a prisoner to your budget and don't feel bad about it - Top 3 easily digestible financial education books to read. If I'm going to invest in other companies for the future, I look at how the world is shifting. I state there is no way to predict the market and I'm not the smartest guy. I choose to invest in companies for the future if the company and their offering is a) politically acceptable b) socially acceptable c) scalable c) environmentally acceptable/good for the planet

This week’s podcast asks what a wealth tax would mean for the UK and how it could be implemented. The team give some good news for people with Lifetime ISAs and reveal why Santander’s 123 account has lost its charm. Tom Walker from Schroders joins the show to explain why data centres are the new beachfront property and Peter Askew from T Bailey chats about whether the coronavirus is going to alter some of the big investment themes. Presented by Shares’ Editor Dan Coatsworth and AJ Bell’s Personal Finance Analyst Laura Suter

With the end of the fiscal year 5th April, approaching fast and Coronavirus lockdowns restricting movement, now is the time to start planning on how to make the most of your savings and tax allowances – it could save you thousands! By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: Plan ahead – preferably with an advisor - and don’t leave things until the last minute See your accountant before not after the end of the tax year to reduce tax liability Look at the Lifetime ISA and get up to £1000 tax free from the government Top up your ISA or start one for tax free savings up to £20,000 per year Use your pension allowance and find your “lost” pensions 10 things you can do to thrive during Covid 19 isolation Track down your “lost” pension scheme - https://www.gov.uk/find-pension-contact-details UK Government Business Support Helpline (England) Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm Can you afford to retire? Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy? Quit the rat race and retire early You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income. Learn how to make money on Amazon Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform. If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

End of Tax Year Money Tips Could Save You Thousands With the end of the fiscal year 5th April, approaching fast and Coronavirus lockdowns restricting movement, now is the time to start planning on how to make the most of your savings and tax allowances – it could save you thousands! By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: 1. Plan ahead – preferably with an advisor - and don’t leave things until the last minute 2. See your accountant before not afterthe end of the tax year to reduce tax liability 3. Look at the Lifetime ISA and get up to £1000 tax free from the government 4. Top up your ISA or start one for tax free savings up to £20,000 per year 5. Use your pension allowance and find your “lost” pensions 6. 10 things you can do to thrive during Covid 19 isolation Track down your “lost” pension scheme - https://www.gov.uk/find-pension-contact-details UK Government Business Support Helpline (England) Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm Can you afford to retire? Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy? Quit the rat race and retire early You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income. Learn how to make money on Amazon Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform. If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

During this episode we discuss all things property. Mr dellacruz and Lizbiz had the pleasure of interviewing Topsy Taiwo. Topsy is a residential property expert and a talk show host (Topchat) with a wealth of industry experience in estate agency, property investment and property technology. We discuss different resources that help you get onto the property ladder. Ranging from Lifetime ISA accounts to shared ownership. Socials: Instagram: @TopsyTaiwo @Topchatshow @Propertypurchaser

OPEN A LIFETIME ISA WITH MY LINK :) https://go.onelink.me/5M0L?pid=share&c=MVZ36T & Utilise your ISA Allowance before 5th April!! My voice is mad croaky but i'm coming to you with this week's episode to encourage you to use your Lifetime ISA and General ISA allowance for the financial year. A lot of times when we see the Ads for ISAs we hear 20K this, 20K that but for me, my focus was making sure I saved my max allowance on my Lifetime ISA. That way I could make sure to get the maximum bonus available. As they always say, if you don't use it, you'll lose it o https://instagram.com/ay00lu 

Earn 25% Tax Free Bonus with a Lifetime ISA By Charles Kelly, Property Solutions Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: · 25% Bonus added to monthly contribution up to maximum £4000 per year · Can be used for first time residential property purchase or for retirement · Lifetime ISA (LISA) available between ages 18 to 40 · Always seek independent financial advice Can you afford to retire? Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy? You can learn how to acquire income producing assets using other people’s money and other no money down strategies in order to become financially free. Smart investors are using these creative finance, ‘no money down’ tools to build massive property portfolios in a few short years, as their hands are not tied by mortgage lenders and the need to save large deposits and pay higher taxes. Before you buy another, or your first, property, take time out to learn proven successful strategies from expert multi-millionaire property investors on a free taster ‘property discovery day’. If you’d like more information on how to acquire wealth building assets using none of your money, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com How to Use Creative Property Financing to Beat the Banks How to Use Creative Property Financing to Beat the Banks In the last few years, mortgage lending rules have been tightened up by UK regulators. Lenders now dig into your finances far more deeply than just looking at your annual income. Self-certificated mortgages are all but... see -http://www.moneytipsdaily.com/how-to-use-creative-property-financing-to-beat-the-banks/ There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

This week the team answer your first-time buyer questions and how to get more from Lifetime ISAs. They talk about whether you should be worried about liquidity in investment funds and why you may see fewer adverts for mini bonds. There is also an update on the UK and US stock markets and a look at the key movers and shakers.   Presented by Shares’ Editor Daniel Coatsworth and AJ Bell’s Personal Finance Analyst Laura Suter. This week’s guest is Ryan Hughes from AJ Bell’s investment team.

This week I am talking about the Help To Buy ISA versus the Lifetime ISA. If you want to learn more about each before you make your decision then be sure to do your research. This episode is a bit more of a chit chat where you can also get to know a bit more about the woman behind the podcast, me!If you'd like to read my thread regarding the Help To Buy ISA:http://tiny.cc/s4iofzLifetime ISA Thread:http://tiny.cc/w5iofzIf you're interested in opening the Help To Buy ISA, the deadline is 30th November 2019 so act quick!If you would like to send in any questions, pop over an email to info@penniestopounds.co.ukSupport the show (https://www.patreon.com/penniestopounds)

On episode seven of Money Bites by Smart Money People, we're digging into the Lifetime ISA. Should You Open a Lifetime ISA? We'll be talking to Jenna McKenzie-Day of The Nottingham Building Society about their LISA, and the market at large. You can also look forward to more prank calls and another edition of 'Skittlemania!' (2:18) -  Should You Open a Lifetime Isa? With Jenna McKenzie-Day of The Nottingham (19:50) -Weekly prank call (22:25) - Skittlemania! You can reach us at hello@smartmoneypeople.com (mailto:hello@smartmoneypeople.com) , on twitter at @SmartMoneyPPL or visit the site at smartmoneypeople.com (http://smartmoneypeople.com/) .

Welcome to Episode 2 of the Adulting 101 podcast and today we're talking ISAs! The timeline has been talking about this topic a lot and rightly so. As the Help to Buy ISA closes  for new savers in November, people have been debating whether it is a worthwhile option for saving towards a deposit... On today's episode, I give a brief overview of the two ISA options available for saving for a home in the UK and why I believe you should get both.  Follow us on social @Room113Official to join in the discussion

It's our 200th Ask Rob & Rob episode! Can you believe it? So what better way to celebrate than continuing to do what we do best and answer your property questions! This week's first question comes in from Steve. He's seen some new build properties that look slightly overpriced compared to other new builds in similar areas. So he's wanting to know from an investor perspective whether Rob & Rob reckon he's better off investing in a new build or maybe purchasing something a little older? Rob B points out that he does indeed think new builds can be overpriced, but then again, rightly highlights that any property can be overpriced. In true Rob B style, he has some winning advice that Steve can take on board. So listen carefully if you have your eye on a new build buy-to-let purchase in the future.  The next question is from Brogan. He opened up a lifetime ISA when he started his graduate job to help him buy his first property. Since then he's found our wonderful podcast (good man!) and had his eyes opened to the buy-to-let world.  Now Brogan wants to use the money in his ISA to purchase his first buy-to-let property. However, the T&C's of a lifetime ISA state that you have to use this scheme to purchase a property to live in.  Is there any way to get around this? Tune into this week's episode to find out what Rob D suggests.    Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).    Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours.  Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.

Presenter Claer Barrett and guests explore how under 40s are using the Lifetime Isa to save for a property, or invest for the future. What strategies are younger investors taking? Plus the new rules on automatic compensation when broadband goes down, and the six ways pensions scammers are most likely to try and con you - would you fall for it? See acast.com/privacy for privacy and opt-out information.

The lifetime Isa launched in April 2017, with the aim of helping younger savers onto the property ladder or put money away for retirement. But response to its arrival has been lacklustre: take-up among savers was lower than expected and few providers have signed up to offer it. In this episode of The Which? Money Podcast we ask what the future holds for the lifetime Isa.Which? Money experts Jenny Ross and Gareth Shaw talk to host Lucia Ariano about the lifetime Isa, travel money and inheritance tax. See acast.com/privacy for privacy and opt-out information.

Welcome to the sixth instalment of Good With Money’s brand new Smug Money Podcast Series: a podcast designed to give you the inside track on the most exciting developments and opportunities in the Good money world, as well as top savings and investment tips. As we approach the end of the tax year, it’s all about ISA’s here at GWM towers, and so in this episode, we nab Jeannie Boyle, Chartered Financial Planner and Executive Director at Good Egg Company EQ Investors, who helps us wade through the ISA jungle. Cash, Stocks and Shares, Lifetime ISA, Help-to-Buy, Innovative Finance – the choices are endless! Jeannie breaks down what each is, who they’re for and even how much we might want to put in each. Stay tuned to the end for her top spending and savings tips. But remember, none of what you will hear constitutes financial advice and if you invest on the basis of this podcast, you do so at your own risk. Past performance is not a guide to future performance, and you could lose all your capital.

This week’s podcast is dedicated to using an ISA. We discuss why many people are holding off from investing at present. Learn about the pros and cons of using the Innovative Finance ISA and why high rates comes with a big warning sign. We also chat about Lifetime ISAs and how much risk you may want to take with children’s savings. Finally, don’t miss this week’s quiz on all things ISA-related. AJ Bell’s Personal Finance Analyst Laura Suter and Shares’ Editor Daniel Coatsworth are joined this week by AJ Bell’s Senior Analyst Tom Selby. We discuss Lifetime ISAs, so please remember that you may miss out on employer contributions if you opt out of a workplace pension to save into Lifetime ISA. It may also affect your future entitlement to mean-tested benefits.

Today I chat to Michael Johnson, a man who has been influential in changing the landscape of savings in the UK as he was the man who first proposed the Lifetime ISA. The product that eventually surfaced wasn't quite what he had in mind, however. I was looking forward to having the chance to someone who clearly is very influential, but the conversation blew my mind. I'm telling you, you are going to love this…

Happy New Tax year and welcome to podcast from Morningstar UK, the leading provider of independent investment research. This week we bring you a comprehensive guide to Planning for Retirement. The problem with investing for retirement is it seems a very long way off for so many of us. The State Pension age is now 67, with average life expectancy at 80 years. Seemingly more pressing financial obligations call out to be prioritised; children’s education, family holidays, DIY. But start investing for retirement early enough and the burden is far less; put off saving into a pension and the sacrifice you must make to meet the same financial goal is much greater. Let’s start with the podcast off with the basics, Emma Wall, Senior editor of Morningstar.co.uk explains what a pension is and why you should have one. Investing well is key to building up a sizeable pension pot. If done correctly investing can also help build you buy a property or pay for your children’s education. So, can you afford not to invest? Next up, Lets talk ISA’s. The Lifetime ISA launched last week at the beginning of the new 2017/18 tax year, offering a generous top up from the Government. But it is not the only way to get free cash from the State explains Emma Wall. Are you looking to access your pension pot for income but are still saving for retirement? Take note; the Money Purchase Annual Allowance is changing explains Nathan long, Senior pensions analyst and Hargreaves Lansdown up next. So you’ve decided Investing is for you and you want to get started. But how do you do it? How do you start to build and investment portfolio? Emma Wall is back to explain. What is Pension Drawdown? Multi-asset drawdown portfolios can provide a steady income stream in retirement. How should drawdown strategies be used - and can they compliment an annuity? Daniel Needham, President and Chief Investment Officer for Morningstar Investment Management is up next to explain. How do you de-risk a portfolio in retirement? Morningstar's Director of Personal Finance, Christine Benz offers a few options to investors looking to reduce risk but who are concerned about low-yielding expensive bonds. How does retirement spending affect withdrawal rates? Data shows that the withdrawal rate gets higher as spending decreases in retirement, explains financial planning expert Michael Kitces in our next interview. Subscribe to our podcast on itunes: https://itunes.apple.com/gb/podcast/morningstar-uk/id965873075?mt=2 http://www.morningstar.co.uk

In this week's show Monica Tepes, director of investment companies research at Cantor Fitzgerald, joins the personal finance team to explain how investment trusts focused on alternative assets can generate a high income. They also set out the asset allocation models and funds you should be using in a Lifetime Isa, and explain how a new tax allowance could help to cut inheritance tax bills. See acast.com/privacy for privacy and opt-out information.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. This week, Damien talks about the new Lifetime ISA. What is it and is it for you? Listen in to find out. Damien also explains how bid offer spreads work and whether you should avoid them as well as giving an invaluable tip on when you should renew your car insurance. Damien also talks about episode two of his brand new podcast series, One Giant Leap. The One Giant Leap Podcast - Click to check it out 80-20 Investor - Click here to find out more about Damien's 80 20 Investor service. Money Farm (Click To Try for Free) (Don't forget to use the exclusive code MTTM20K to get an extra 10k fee free) MTTM Investment Calculator - The best investment calculator on the web

One thousand years ago, life expectancy was about 30 years. In 30 years’ time, someone will be born who could live to 1,000. This causes a problem for the pensions industry and governments. It’s tough enough finding an income for a few months without working, never mind 935 years. This is the kind of problem experts have been grappling with lately and some of the results are emerging. On the table are joys such as working until you’re 105 years old, abolishing the State pension or coming up with ill-conceived alternatives such as the pointless Lifetime Isa. Most likely, if you’re under 30 now, you’ll probably retire at 70, or under 45 and you’ll work till you’re 68. The triple lock guarantee that ensures the State pension rises by inflation, earnings or 2.5% , whichever is higher, could be scrapped because the Government is ideologically against raising taxes to pay for it. Pensioners will be worse off without a solid alternative. Britain’s pensions used to be best in the world. Like a lot of things, we’ve slipped down that league table too. Women especially continue to lose out. But pensions are boring, right? Not when Simon Lambert, Lee Boyce and Georgie Frost get their hands on the subject. Also on this week’s show… - Bank branches? Honestly, when was the last time you went into bank branch? What’s the point of them in 2017? More than 1,000 have closed in the past 12 months and the new thing of paying in cheques by photo could finish the rest off. - You’re young, you earn money but never enough. Do you rent / buy a home or pay into a pension - or both? - Inflation – it’s higher expected. Will Brexit make it spiral out of control and why did we move from to CPI from RPI? - You CAN be a successful investor. If our new guide isn’t the easiest to read, most informative one you’ve read – we failed. We don’t think we did. Allow its author Simon to explain why investing is easier and more profitable than you might think. And finally… Ebay contracts aren’t binding. You can make anonymous joke bids that you never have to honour. It must be time for the online auction house to behave like an auction house. Enjoy #brexit #economy #money #pensions

In this week's show the team consider how to pick a good fund manager, and highlight some examples. They also look at the risks and rewards of the Lifetime Isa, which is set to launch next month. They are joined by Darius McDermott, managing director at Chelsea Financial Services. See acast.com/privacy for privacy and opt-out information.

Presenter Claer Barrett and guests discuss what fund managers are advising us to do with our money in light of potential changes in the US economy and foreign policy. Also on the show: the Tesco Bank hack, and former pensions minister Baroness Ros Altmann on the problems with the Lifetime Isa. See acast.com/privacy for privacy and opt-out information.

Presenter Claer Barrett and guests discuss how to invest amid rising inflation in Britain, and the place of Asian stocks in a portfolio. We also hear from the Conservative MP who wants the new, Lifetime Isa to be put to rest. See acast.com/privacy for privacy and opt-out information.

On this week's show the team discuss whether unloved financials could be a source of good returns, ask why Deutsche Bank has delisted its Gilt ETF range (and what you could turn to instead) and check in with the row over Lifetime Isa exit fees. Deputy personal finance editor Kate Beioley and personal finance writer Emma Agyemang are joined by Adrian Lowcock, head of investing at Architas. See acast.com/privacy for privacy and opt-out information.

In this episode of Informed Choice Radio, Martin talks about 7 quotes to change your relationship with money. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. 7 quotes to change your relationship with money This week on the show, Martin talks about 7 quotes to change your relationship with money. Six of these quotes were contributions from people Martin follows on Twitter. He finishes with a favourite of his own. Martin shared each quote before talking about what it means for your personal finances and how it has the power to change your relationship with money. Here are the seven quotes Martin talks about this episode, along with the Twitter name of the personal who suggested it. Benjamin Franklin - "An investment in knowledge pays the best interest"(@UKCF_Tweets) Seneca – “It is not the man who has too little, but the man who craves more, that is poor.” (@brettdavidson) William Bernstein - “This time it’s different.”(@fryer_nathan) Warren Buffett – “It’s only when the tide goes out that you discover who’s been swimming naked.” (@AronGunningham) Warren Buffett - “Be fearful when others are greedy and greedy when others are fearful.” (@npton_adviser) Benjamin Franklin - “a penny saved is a penny earned.” (@Plannergrrrl) Dave Ramsey - “Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.” (@martinbamford) We would love to hear what you think. What is your favourite personal finance or investing? If we get enough of these, Martin will produce another episode rounding them up. Personal finance news update -Women are as pushy as men when it comes to pay, dispelling a myth that this factor is the reason they get paid less. -Illness is forcing one in eight people to quit work before they reach state pension age. -The government is pushing ahead with its plans to introduce the Lifetime ISA next April, despite some criticism over timing and product features. -New standards for Pension Wise staff giving guidance about the proposed secondary annuity market have been proposed by the Financial Conduct Authority. -The Bank of England was responsible for the UK avoiding a new recession, according to its governor Mark Carney. -Clueless young Brits have been dubbed the YOLO generation, with almost two-thirds of under-30s admitting they are ignorant of their money and financial options. 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.speakpipe.com/InformedChoicePodcast to leave an online voicemail.

This week we’re focusing on pensions and retirement. Lets start at the beginning shall we? What exactly is a Pension? What different types of pension are there and how do they work? Morningstar’s Senior Editor Emma Wall talks us through the basics. Redington's Lydia Fearn explains to us why it is critical to start saving for retirement as early as possible, to increase your payments when you get a pay rise and why the forthcoming Lifetime ISA is not a pensions alternative. So you’ve decided you want to start paying more attention to your pension and planning your retirement but how exactly do you save retirement? Senior Editor Emma Wall explains all. Are you starting a personal pension for the first time? We talk to top investor John Husselbee, Head of Multi-Asset for Liontrust to give his three fund picks across the sectors to consider for your SIPP. Thanks to pension freedoms you can now access 25% of your pension pot tax-free at 55 - and figures show many retirement savers are withdrawing their cash. But should you do the same? We discuss this and more with Richard Parkin, Head of Pensions for Fidelity. Looking for income producing assets? Be careful to look at the underlying portfolio of any income-paying fund as a low rate environment has forced many up the risk curve meaning Income Investing Has Become Significantly More Risky explains Morningstar’s Dan Kemp. Not all UK equity income funds are the same, it is important to match your requirements to the right manager. Senior Morningstar Analyst Peter Brunt highlights three very different funds for your post retirement portfolio.

In this episode of the Informed Choice Podcast, Martin answers listener personal finance questions. If you’re new to the Informed Choice Podcast, this might not be the best episode to start with. Most of our podcast episodes are a different format this; either our weekly episodes on a Friday which take a deep dive into a particular topic, or our mid-week expert interviews. Listener personal finance questions -Do I need a financial planner or a stockbroker? I need some help managing my money and making investment decisions for the future. Is there is a difference between financial planners and stockbrokers, or are they just different names for the same thing? -I run a small business with 6 employees and have been sent letters about the new pension rules. I have to set something up by July or we risk being fined. Which pension provider should I choose for my company pension scheme? -I like the sound of the new lifetime ISA. Can I open one for my 3 year old son? With the way house prices are going, I’m worried he won’t be able to afford to buy a property when he is older unless we can afford to give him a lot of financial assistance. The new Lifetime ISA seems to be a good way to save for him and give him a helping hand onto the property ladder. -How much money do I need to have to be able to afford to retire? I’m 43 years old and want to retire by the time I’m 60. What’s a sensible target to save? -I’m 58 and planning to retire in about five years time. My pension fund is currently invested in a fairly aggressive mix of funds. Is now the right time to start cutting back on the level of risk and moving it to more conservative assets? -My financial adviser is recommending that my wife and I transfer all of our pension plans to a single provider. Is this a good idea? We’ve got eight pensions between us, from previous employment and periods of self-employment in my case. Should we really be putting all of our eggs in one basket? Martin and Informed Choice Martin Bamford is a Chartered Financial Planner, Chartered Wealth Manager and SOLLA Accredited Later Life Adviser. As Managing Director of Informed Choice, the award-winning firm of Chartered Financial Planners in Surrey, he is responsible for nearly £200m of client assets. Martin is the author of several bestselling personal finance books and produced his first feature-length documentary in 2014, about the post-war Baby Boomer generation in retirement. “Bamford excels at making even the dullest topics interesting” – Pensions Management Visit www.icfp.co.uk to find out more about Informed Choice, or follow us on Twitter at www.twitter.com/informedchoice.      

Eversheds partner and head of pensions François Barker talks to the CBI's Rachel Smith about the chancellor's new savings vehicle – the lifetime ISA.

In this week’s personal finance podcast the team discuss the personal finance news from the Budget, including the launch of the new Lifetime Isa and cuts to capital gains tax. The panel also looks at value versus growth investing and asks why it might be time to change your investment style. They are joined by Jason Hollands, managing director at Tilney Bestinvest. See acast.com/privacy for privacy and opt-out information.

Tax cuts and the Lifetime Isa were the giveways in George Osborne's Budget, but will they help you? Simon Lambert and Lee Boyce, of This is Money, join Georgie Frost, of Share Radio, to take the Chancellor's plans apart in this week’s This is Money Show and try to work out whether it was a good, bad or indifferent Budget. The outlook for the economy, the Budget winners and losers and the thorny question of whether a Lifetime Isa beats a pension are all up for debate. (Along with a look at some of the Chancellor's ulterior motives). Whether you are a saver, spender, young professional, pensioner, or buy-to-let landlord, the team explain what the Budget means for you. (A warning for buy-to-letters, it’s not that pretty). Also on today's show, we look at how to get more if you trade in at a car dealership, how social media-driven entrepreneurs are carving out new careers and businesses from their passions, and why Britain has been dubbed a nation of coffee-swigging, legging wearing, microwave rice-eaters, who don't like to dance. Listen to the show and please leave us a comment or review and subscribe if you like it. Thanks This is Money team

In this episode of the Informed Choice Podcast, Martin talks about a Budget for the next generation. Budget for the next generation  This episode of the Informed Choice Podcast is a Budget special, recapping the main personal finance and investing measures announced earlier this week in the Budget. Martin breaks this down into the five main areas of the economy, pensions, taxation, savings and business. He also covers some of the miscellaneous Budget measures announced this week. This was a politically important Budget with the EU referendum looming in June. Chancellor George Osborne had to balance a desire to impose radical reform on the pension system with keeping Tory backbenchers happy.  His Budget was presented against a backdrop of challenging global economy, with the Office for Budget Responsibility cutting their UK economic growth forecasts, again. It has been described as a Budget for the next generation, with the introduction of a Lifetime ISA designed to encourage younger people to save for the future. What did you make of the Budget? Email Martin at martin@icfp.co.uk or get in touch with him on Twitter @martinbamford to share your thoughts. Personal finance news update -The shopping baskets of goods and service used to calculate price inflation have been updated. -The Financial Advice Market Review has been published by HM Treasury, making 28 recommendations to reform the market for financial advice. -Women could be given early access to the State pension, if proposals put forward by a committee of MPs are accepted. -Nursery costs for one and two year olds may increase substantially when free childcare for older children is increased from 15 to 30 hours a week. -The Royal Institution of Chartered Surveyors has forecast that the UK residential housing market will slow down over the next quarter. -The Bank of England has kept interest rates on hold at 0.5%, again. -Donald Trump becoming the new President of the United States is one of the top ten risks facing the global economy. Martin and Informed Choice Martin Bamford is a Chartered Financial Planner, Chartered Wealth Manager and SOLLA Accredited Later Life Adviser. As Managing Director of Informed Choice, the award-winning firm of Chartered Financial Planners in Surrey, he is responsible for nearly £200m of client assets. Martin is the author of several bestselling personal finance books and produced his first feature-length documentary in 2014, about the post-war Baby Boomer generation in retirement. “Bamford excels at making even the dullest topics interesting” – Pensions Management Visit www.icfp.co.uk to find out more about Informed Choice, or follow us on Twitter at www.twitter.com/informedchoice.

George Osborne's Budget delivered a surprise boost for millennials in the form of the Lifetime ISA. But how will it hit other age groups in the wallet? FT Money editor Claer Barrett gets first reactions from Raj Mody, head of pensions at PwC; Christine Ross, head of advice at wealth management firm Heartwoods, and Nimesh Shah, partner and tax specialist at Blick Rothenberg. See acast.com/privacy for privacy and opt-out information.